Borrowing at Cinfed
No matter your need, we've got you covered.



At Cinfed we offer our commercial members a level of service unmatched by other financial institutions. With our single point of contact approach, you’ll receive personalized service throughout the entire process.


Looking to purchase that dream car?  Not to worry, Cinfed is here to help.  We offer many excellent options to help make the right choice for your auto lending needs. Whether at home, the office or at the car dealership, you will receive prompt, personal service


​Cinfed's Home Equity Line of Credit (HELOC) continues to get rave reviews from members who have taken advantage of the equity accumulated in their home to satisfy a variety of financing needs. And in most cases the interest may be tax deductible (consult your tax advisor).  A Cinfed HELOC allows you to access the equity in your home at a great low rate, while working with the financial family you already know and trust.
• Borrow up to 85% of the equity in your home
• Same low rate no matter how small or large your balance
• Easy access to funds through Online Banking
• Low interest only payments
• No Closing Costs

Cinfed bases quarterly adjustments of HELOC rates on the Wall Street Journal Prime Rate.


For vacation and travel, medical and dental bills, school tuition, bill consolidation, unexpected expenses, or whatever your need may be, these loans can save the day. You'll find Cinfed rates reasonable.  

Cinfed's lower loan rates can make the difference when it's time for home improvements, furniture, appliances, home computers, and even garden equipment. For borrowing at the very lowest cost, Share Secured Loans permit you to use your Cinfed savings accounts or certificates as collateral.

Cinfed's Ready Cash Account is a personal line of credit that goes beyond credit cards. Easy access as overdraft to your checking account or personal checks to draw on your “Ready Cash.” Give yourself credit anytime and for any reason, it costs nothing until you use it.


A quality education is what all parents’ desire for their children. Considering the expense of private schools can be overwhelming, but Cinfed can help. We offer a K-12 Tuition Loan at an exceptional rate as low as 4.99%.



College can be expensive. Sometimes scholarships and grant money aren’t enough. That’s where a Cinfed Student Choice loan can help. With a Student Choice loan, we help fill the gap after financial aid, scholarships and grant money.

Already completed your degree but finding your student loan payments overwhelming? The Cinfed Student Choice Student Loan Refinance Program may be right for you. 




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


My husband and I have been members of Cinfed for over 25 years. When he retired, we had limited involvement with Cinfed since it was very close to our workplace, but not our home. Recently we... 
— Cheryl, member since 1981
I have been a member of Cinfed Credit Union since 1986 when I started working for IRS. I recently spent a week in the hospital and four weeks in a skilled nursing facility going through rehab. The... 
— Suzanne, member since 1986
Cinfed is special for me. I moved to several states and Cinfed is the only account I kept with me wherever I go. Through the shared branching, I get all the service I need. Whenever I call, I am... 
— Tseagye, member since 2010
Cinfed rocks! I hope you guys understand that what you are offering are not just loans and accounts but things that mean much more than that, things that keep hope alive, that help people like me... 
— Pankaj, member since 2014
I joined Cinfed after my first season working for IRS in the early 1980's. Now over thirty years later, I am still impressed with them. Every customer service representation that I have been in... 
— Ros
I've been banking with Cinfed for almost one year now and it has been a wonderful experience. They get back to you very promptly and can help you for all of your banking needs, quite efficiently. I... 
— Brandon, member since 2014
I have been a member for over 25 years. I think good service should be recognized. Julie at the Roselawn branch always gives great service with a smile. She is also a very dedicated employee. ... 
— Rita, member since 1985
I have had most of my family to join. I will never change banks, the service is great.
— Joen, member since 1988
Love them as a bank and the customer service has always been outstanding...Great job Cinfed.
— Posey, member since 1984
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
Just closed on a Home Equity line of credit loan, and the process couldn't have been any easier. With this I was able to pay off 2 high interest credit cards and deposited the rest into a checking... 
— Thomas
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

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