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Lock in a high rate and guaranteed return.

Smart30 (30 months)

A certificate with a twist! Smart30 certificates are great for people who are just getting started saving. With the one time penalty-free withdrawal, you don't have to worry about your money being tied up if a life surprise happens. Plus, you can keep adding funds to it as you go! View current rates.

Requirements: Minimum $50 opening deposit. One per member. Only one penalty-free withdrawal. Max. deposit of $20,000. Member must wait 6 months to open a new Smart30 after closing one prior to maturity.

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Regular Certificates

Choose from a variety of terms (anywhere from three to sixty months) to suit your investment needs. Your rate will be locked in for the term of the Certificate. View current rates.
Jumbo Rate Bonus!
Enjoy a 0.15%
on Certificates with a balance of $50,000.00 or greater for 24 months and longer terms.

Requirements: $500 minimum balance. Penalty for early withdrawal.

Select Certificates for non-members

Not a member? Cinfed has introduced a certificate that non-members (entities that do not qualify for membership under charter guidelines) can take advantage of. Learn more.

Requirements: $500 minimum balance. Penalty for early withdrawal. Certificate rates, with the exception of the Smart30, are available for Regular, HSA and IRA investments.


Ready to open your certificate?

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Learn with Us
Tips and tools to help you reach your financial goals.



Put Your Savings Plan into Action!
Steps you can take to help your money grow.
Read more ►


Certificates of Deposit
Learn how to calculate your interest earnings and the pros and cons of Certificates, compared to other accounts. Get started ►


*Annual Percentage Yields are subject to change at anytime. For updated rate information, contact our Membership Department at: (513) 333-7863.


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


They always go above and beyond at the Oakley branch and truly care about each of their members. And, I absolutely love their kids' membership program. It makes it fun for them to learn about money... 
— Courtney Snow
Been a member since I moved to the Queen City in 1978. Cinfed has always provided customer service that other financial institutions only dream about. Thank you for almost forty years of outstanding... 
— Tim Grabenstein
I recently became a member here at CINFED and it was the best decision I have ever made. I walked in with tears and despair and left with dry eyes, a smile, and I even received a hug from the branch... 
— Melanie
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
I have been a member at the Roselawn Branch for a long time and I couldn't be more satisfied with the customer service. No matter how often I come in with a question or issue and no matter what... 
— Andreya T Williams
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
I have been a Cinfed member for years. I know I can depend on them to provide excellent service. The bill pay on line is great and every time I visit the Florence branch I am met with friendly... 
— Jan Ricks
Closed a loan in 24 hours! Absolutely unheard of! Thanks to the exceptional customer service of LeAnn Rose at the Turfway Branch! She went above and beyond by providing unexpected expedited service! ... 
— Christina Stull
I recently applied for a credit card online. I received a call from Emily Snyder explaining what needs to be done next. It was easy and Emily’s customer service was excellent. Emily is a great... 
— Johnnie Bush

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