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 our bottom line succeeds only when you do.

Find the option that suits your needs and lifestyle


Fixed Rate

Adjustable Rate


Construction Loan

Bridge Loan

Choose if you...

  • ​Plan to live in the house for more than 5-10 years

  • Want relatively consistent payments

  • Want to budget effectively for long term 

  • Plan to be in your home for the short term

  • Plan on utilizing the payment savings to aggresively pay down principal 

  • Plan to purchase a home for the first time 

  • Or you have not owned a home within the last 3 years 

  • Plan to build a home 

  • Plan to purchase a home before selling your current home 


Interest rate on the note remains the same through the term of the loan 

Usually set at a fixed rate for a certain period of time, followed by periodic adjustments to the rate

A tailored mortgage program that addresses typical first time buyer challenges without PMI

One time close that allows for 12 month, interest only payments

A common sense underwriting program that gives your monthly budget the flexibility it needs during your transition to a new home


  • Monthly payments don't change

  • Lock in a rate while they are low and take advantage of lower payments

  • Take advantage of falling rates without having to refinance

  • Potentially end up with lower monthly payment if rates drop

  • Often a lower initial interest rate and payment 

  • Only 10% down payment required

  • Affordable payments with the 7 year adjustable rate

  • Affordable payments with the 5 year adjustable rate

  • 12 month, interest only payments


We're here to help you get started.



Contact Us
Send a message to one of our home lending specialists
Or reach them at 513-333-3995.

Pre-Qualification Document Checklist
Review a list of the documents you'll need to provide to your Mortgage Loan Originator.



Already own a home?
Use your property to make major purchases without applying for a new mortgage

With our Equity Access Loanthe value in your home is used to secure a revolving line of credit. Similarly to a credit card, as you make payments on your balance, the amount of available credit increases. Use these funds from our Equity Access Loan (HELOC) for any purpose you choose, like making repairs, upgrading your homes, paying down debt, or even purchasing another property.

In most cases, the interest is 100% tax deductible (consult your tax advisor for details). Our Equity Access Loan also offers:

  • Same low rate no matter how small or large the balance

  • Free Equity Access check, providing easy access to the funds

  • Borrow up to 85% of the equity in your home

  • Rates as low as 4.75%

Take advantage of our limited-time special rate.


Get the answers you're looking for. 

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



Mortgage Rates

Get the best rate on your most important investment



Rate as low as




30 year




20 year




15 year




10 year




7 year




5 year




First Time Homebuyer2

7/1 ARM




Adjustable Rate 

1 year ARM




3/1 ARM




5/1 ARM





*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. 


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


Liz and the gang have surpassed all my notions about what banking should be, they bring unparalleled customer service to the table. So much that whenever I walk in, I am greeted like good neighbors... 
— D English
I have been a member since 1968. That is the year I started with IRS. I think we have used every service Cinfed has to offer. 2 home mortgages, personal loan ,RCA, car loan. They have always been... 
— Jan, member since 1968
I love Cinfed! They treat us like family!!
— James, member since 1990
Dedicated member since 1972. Cinfed has been there every time I have needed them. Being without Cinfed now, well it would be like losing a member of the family.
— Norma, member since 1972
The one-stop banking capability for home mortgages, automobile loans, savings accounts and credit cards...all with very competitive rates...makes being a member of Cinfed a very smart, invaluable... 
— Carl, member since 1978
When purchasing a car for my daughter, Cinfed came through for me once again. They worked out every detail of the purchase loan right from the dealership lot, including setting up an online account... 
— Crissy, member since 1995
I have been a member of Cinfed almost as long as I've worked at IRS which is since 1975. I'll not bank anywhere else. The service I get from people like Jewel and Jennifer "J" at Gateway... 
— Linda, member since 1978
I joined Cinfed over 18 years ago. I love the chance that they give you to get things right. My family loves this too! What I would love to see this bank do is to notify customers via email... 
— Delores, member since 1986
When my previous bank refused to cash a corporate paycheck with one of the largest financial institutions, I went to Cinfed off of a members recommendation and without a question they cashed my... 
— Phil, member since 2008
I have had Cinfed for 14 years. They are the best bank I have ever had. They are always there to help me out of any jam I get into, with a friendly smile!!! Thank you Cinfed!!!
— Eric, member since 2001
Cinfed is pretty much the best, most helpful bank I've ever used. I previously used another local bank, but was encouraged to try Cinfed by my girlfriend. I've come to expect very little of banks in... 
— Logan, member since 2010
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

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