Cinfed Savings and Investments

SmartChoose from a wide variety of terms to suit your investment needs.

Certificate Accounts, Traditional, Education & Roth IRAs


Regular Certificates

Months Dividend Rate APY*  
3 Months 1.49% 1.50%  
6 Months 1.79% 1.80%  
12 Months 2.08% 2.10%  
24 Months 2.33% 2.35%   
36 Months 2.57% 2.60%  
48 Months 2.82% 2.85%  
60 Months 3.06% 3.10%  
Certificate rates, with the exception of the Smart30, are available for Regular, HSA and IRA investments with a minimum deposit of $500. Penalty for early withdrawal.  

Smart30 2.48% 2.50%  
A Smart30 is a twist on a traditional certificate. Minimum opening deposit of $50. Additional deposits can be made to the Smart30 (even through Direct Deposit.) Smart30 term is 30 months. One Smart30 per member. One time penalty-free withdrawal is available. Maximum deposit is $20,000. There is a waiting period of 6 months to open a new Smart30 after closing one prior to maturity. It's the smart way to start saving money.  
Jumbo Rate Special  
Bonus of .10% on Certificates with a balance of $50,000.00 or greater.  
*Annual Percentage Yields are subject to change at anytime.  
For updated rate information, contact our Membership Department at: (513)333-3883 or 3800.  
Federally insured by NCUA up to $250,000. Deposits in excess of $250,000 are covered by Cinfed through ESI Corporation for a total up to $500,000.  

Savings Accounts from Cinfed

  Dividend Rate APY*
Super Share**
$100,000 and above 1.39% 1.40%
$50,000 - $99,999 1.14% 1.15%
Below $50,000 0.90% 0.90%
Christmas Club 0.05% 0.05%
Main Share 0.05% 0.05%
Go Account 0.05% 0.05%
Kasasa Saver    
Up to $20,000 1.00% 1.00%
Over $20,000 0.50% 0.50%
Non-Qualified 0.05% 0.05%
IRA Passbook 0.50% 0.50%
Health Savings Accounts (HSA) 0.50% 0.50%


* APY=Annual Percentage Yield.

** You must maintain a balance of $2,000 in the Main Share account to qualify for a Super Share.
Federally insured by NCUA up to $250,000. Deposits in excess of $250,000 are covered by Cinfed through ESI Corporation for a total up to $500,000.

Rates accurate as of Saturday, Feb 23, 2019


Cinfed Credit Union
4801 Kennedy Avenue
Cincinnati, OH 45209
(513) 333-3800
Routing #242076656


We've only been members for a little over a month and already feel the difference. I don't want to name names, but let's just say Cinfed is WAY better than our previous institution that rhymes with... 
— Jeff, Dawn, & Jordan, members since 2013
I been a member since 1985 and can not imagine banking anywhere else. This credit union as taken care of my every need. 24/7 services is excellent.
— Edward, member since 1985
Recently I tried to locate the Oakley office using google maps. The google directions did not get me close to Cinfed. I called the office and Liz remained on the phone until I reached the... 
— Debbie G
As a long time member, I have always received great service from all CinFed employees. I just wanted to say a special thank you to Dee Dee Day and Dawn Strickland. I had to make some changes to... 
— John-Member since 1990
Earlier this year my much younger sister passed away and with that many obligations were to be met by my husband and myself ..My sister was survived by a daughter and son. We have since then taken on... 
— Vonda
How lucky I am to have Liz Frey managing the office I use! I live in Florida but maintain Cinfed as my main banking office. Everytime I need special help a simple email or call to Liz and it is... 
— Debbie G
Emily Snyder took the best care of my two auto loans. She was professional, courteous and very knowledgeable of the available services for me. She went out of her way to make sure I felt like I was... 
— Sarah Amyotte
I have been member with Cinfed since 1986. The Roselawn Cinfed staff greeted the customer phone calls friendly and polite willing to help you with your needs. They have excellent customer service.... 
— Marian Dudley
I have been a member of CINFED since about 1981 when I was transferred from SLC, Utah with the US Army Recruiting Command and have always received excellent service and support . Hope Dee Dee is... 
— Robert Olguin

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