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Home Mortgage Loans and Rates

 


Your Neighbor.

Your Lender.

 

 

Our members have been at the heart of all we do
— for over 80 years now.



Our family approach to business is built on a foundation of personal service, trusted care, and the belief that we succeed only when you do. 



Mortgage Options

Our loan products are tailored by people who have walked the same path. We have you covered with options that suit your needs and lifestyle. Explore our options that best fit your purchasing or refinancing needs:
 

 

‌‌Fixed Rate Mortgage

A financing option that allows you to effectively maintain a long-term budget through consistent payments.
Learn More  



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‌‌Adjustable Rate Mortgage

A financing option that allows you to take advantage of falling interest rates without having to refinance.
Learn More  



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‌‌Construction Loan

Our loan options that are designed to finance the construction or major remodel of your home. 
Learn More  



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Renovation Loan

Our loan options that are designed to finance your renovation project, for either your current or new home. 
Learn More  



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‌‌First Time Homebuyer

A tailored mortgage program that addresses typical first time buyer challenges without requiring PMI.
Learn More  



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‌‌Home Equity Line Of Credit

Use the equity in your current property to make purchases without applying for a new mortgage. 
Learn More  



APPLY NOW

 

 

 



Not sure where to begin? 
We're here to help you. 

 

SEND US A MESSAGE   GIVE US A CALL
 


 

Resources

 

 

 

Mortgage Education Center

You have options and we want you to know all about them. We're here to help you understand all parts of this process and answer any questions you may have along the way. 

 

 

 

 

Builders' Information Center

We take pride in making the construction process easy for members and builders. Access information on how to request a draw, and gather documents needed to process your request.

 



Rates

Get the best rate on your biggest investment. 

 

Term

Rate as low as

APR*

Points

Conventional1

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

First Time Homebuyer2

7/1 ARM

4.625%

4.751%

0

Adjustable Rate 

1 year ARM

3.875%

3.902%

0

3/1 ARM

4.125%

4.153%

0

5/1 ARM

4.500%

4.528%

0

 


 

NOT SURE WHERE TO BEGIN? 
Get the answers you're looking for. 

Send a message to one of our home lending specialists.
Or reach them at 513-333-6337.

   

*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.



CONTACT CINFED

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

MEMBER REVIEWS

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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