Cinfed Mortgage Loan Interest Rates

A mortgage for your home is the beginning of a long-term relationship. Shouldn't you come to the people you know and trust...people like you find at your credit union? They're available to help you determine the mortgage that suits your requirements, and look after your interests for years to come


Term Rate as low as APR* Points
30 Year 4.625% 4.650% 0
20 Year 4.500% 4.534% 0
15 Year 4.375% 4.418% 0
10 Year 4.250% 4.311% 0
7 Year 4.000% 4.085% 0
5 Year 3.875% 3.991% 0
Term Rate as low as APR* Points
7/1 ARM 4.625% 4.751% 0
Term Rate as low as APR* Points
1 Year ARM 3.875% 3.902% 0
3/1 ARM 4.125% 4.153% 0
5/1 ARM 4.500% 4.528% 0

* Actual rate depends on loan to value; up to 85% financing; Adjustment Period Cap: 2%, Cap over Term of Loan: 6%; Avoid PMI with LTV of 80% or less; 30-Year Amortization.
Jumbo Loans over $453,100 add 0.50% to the corresponding As Low As Rate
Special financing program for members looking to purchase a new residence prior to the sale of their existing home.
1 Year Interest Only
Contact one of our Mortgage Specialists at (513) 333-3800 for more details.

For Loan Amounts $50,000 or less:
> Maximum 75% LTV (70% for cash-out refinances)
> Maximum 15 YR amortization
> Add 1.00% to corresponding 3/1 or 5/1 ARM As Low As Rate
Contact one of our Mortgage Specialists at (513) 333-3800 for more details.

*For loan amounts greater than $50,000, please contact our Commercial Lending Specialists at (513) 333-3894 for more information.

*APR= Annual Percentage Rate
1. 80% maximum loan-to-value (LTV) with no cash-out. APR assumption based upon $100,000 loan amount. Rates subject to change. As Low As Rates based upon LTV. Loan amounts up to $453,100; avoid PMI with LTV of 80% or less. 80/10 financing available.
2. No points. Only 10% down payment required. 90% financing. Adjustment Period Cap: 2%. Cap over term of loan: 6%. Up to 30-year term. Rates adjust after 7 years, then each year thereafter. Actual rate depends on loan to value (LTV). Must meet First Time Homebuyer qualifications.
3. Rates adjust after the first 1, 3, 5 or 7 years dependent on type of ARM, and each year thereafter. Actual rate depends on LTV (loan to value). Up to 85% financing. Adjustment period cap: 2%. Cap over term of loan: 6%. Avoid PMI with LTV of 80% or less. 30-year amortization. Jumbo Loans over $453,100 add 0.500% to the corresponding As Low As Rate. 

Rates accurate as of Monday, Jan 21, 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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