Commercial Loans

Commercial Loans
Financing that fits your business needs.

Getting Started
Looking for a loan to help with everyday business needs or a way to finance commercial real estate? We're ready to help! Cinfed offers a wide variety of business loan products. Contact Nick Sundrup, our Commercial Credit Officer, by calling 513-333-3894 or via email at nsundrup@cinfed.com.

10 Year Term 75% LTV** 25 Years 1 YR ARM 3.40%
3/1 ARM: 3.65%
5/1 ARM 3.90%
7/1 ARM 4.15%
10 YR Fixed 4.65%
Refinance Rate & Term
10 Year Term 70% 25 Years 1 YR ARM 3.40%
3/1 ARM 3.65%
5/1 ARM 3.90%
7/1 ARM 4.15%
10 YR Fixed 4.65%
Refinance Cash-Out***
10 Year Term 70% 20 Years 1 YR ARM: 3.65%
3/1 ARM: 3.90%
5/1 ARM 4.15%
7/1 ARM 4.40%
10 YR Fixed 4.90%
Construction & Development
12 Month Term 65% Interest Only Variable 4.25% Floor
Operating Lines of Credit
12 Month Term Varies by Collateral Revolving Variable 4.75% Floor

1APR= Annual Percentage Rate

Full Recourse - No Prepay Penalty
* Amortization: Up to 25 Years for loan amounts > $500,000; 30 YR > $2,000,000; 15 YR MAX < $100,000
** Reduce MAX LTV by 5% for investment properties
***Add MIN 0.25% for blanket financing on investment properties
- All ARM products assume 2% Caps, -1% Floor, +6% Ceiling
- All rates assume 1% Lender/Servicing Fees to Cinfed for New Member; 0.50% for Existing Members
- Monthly payments must be set up on automatic debit from a Cinfed share account.
- Rate & Terms as of 08/18/20, are subject to change without notice; please call for a quote.

LENDING LIMIT: $5,500,000 Individual Commitment; $8,250,000 Aggregate Relationship

LENDING AREA: Cinfed's Community Charter is defined as the Cincinnati Metropolitan Statistical Area (MSA); which comprises the following 17 counties:

Ohio - Brown, Butler, Clermont, Clinton, Hamilton and Warren

Kentucky - Boone, Bracken, Campbell, Gallatin, Grant, Mason, Kenton and Pendleton

Indiana - Dearborn, Ohio and Union

- Other adjoining counties subject to Member Eligibility


- Loan Summary
- Application, Driver's License and Credit Authorization
- Personal Financial Statement, including Schedule of Real Estate Owned
- Current Year Interim Business Financial Statement
- 3 Years Tax Returns (Personal & Business)
- Collateral Documentation, including current mortgage details & insurance coverage
- Additional Documentation requirements may include, but not be limited to the following: Purchase Contract, Leases, Rent Roll, Pro Forma, Asset Verification, Management Resume

DUE DILIGENCE: Cinfed will order all Third Party Reports: Title Search, Appraisal & Environmental


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
I met Emily Snyder because I had a flat tire in the parking lot of Cinfed Credit Union. I didn’t know what to do and she offered to help me. It was late in the evening and I didn’t think anyone... 
— Cindy Hyatt
Emily Snyder took care of setting up a consolidation loan for me on Saturday. She was very friendly, professional, and explained very articulately all the steps involved. Emily also opened a new... 
— Sally A Arbogast
I recently closed for a car loan and a credit card with Susan Z. Her service was excellent. We closed in a couple of days. She was so helpful with her knowledge. It was a pleasure to deal with her.
— Glenda Adkins
I cannot say enough good things about the service I have always received from Cinfed! Most recently, we refinanced a vehicle and dealt with Emily S.! She was quickly responsive and on top of her... 
— Serena Kain
I can say a million great things about Cinfed Credit Union and how they helped me over the years ,But there are many helpful service members, but one Great lady Is Mrs Susan Z. She is an Awesome... 
I have to say I think the new online banking update is pretty awesome. I love that the app is more up to date, clean and user friendly. Happy to be a customer with Cinfed.
— Kyle Neises
I have member with Cinfed for 24 years. The customer service is beyond great. Everything from daily banking to loan services. I recently purchased my daughter a car and originally it was going to be... 
— Tira Williams

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