We have you covered with options that suit your needs and lifestyle, no matter where you're going.


Whether you're saving for retirement or just a rainy day, our certificate accounts offer great returns.

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Individual Retirement Accounts (IRAs)

Flexible, tax deferred options to help you save for retirement.

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Health Savings Accounts (HSAs)

Set aside funds to pay for doctor visits, prescriptions, dental check-ups, and more with pre-tax (or tax deductible) dollars.

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Get started!

Stop by your local branch


Open your account online


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Financial Advisors
As a member, you have access to your own financial advisors through Saxon Financial Services to help you make the best decisions for your investment future.

Kevin Hagerty AIF®

Kevin holds the FINRA Series 6 and 63 securities licenses. He is also licensed for Life and Health Insurance and Annuities and is designated as a Financial Advisor.

Check out Kevin’s background on FINRA’s BrokerCheck.

Phone: 513-333-3886
Email: khagerty@gosaxon.com

Brian Bushman CRC®

Brian has been an Independent Wealth Advisor since 2000 and with Saxon Financial since 2007. He specializes in Investment and Retirement Planning.

Check out Brian’s background on FINRA’s BrokerCheck.

Phone: 513-333-3901
Email: bbushman@gosaxon.com

Learn with Us
Tips straight from our team to help you reach your financial goals.

Jar of Money

Jar of Money


With Coach Fin as your guide, explore more than 20 interactive financial education courses offered for free. Get started ►


Dive into our interactive module for advice on reaching your short and long term investment goals. Get started ►

Lock in your best Rate

Certificate rates, with the exception of the Smart30, are available for Regular, HSA, and IRA investments with a minimum deposit of $500.00

View all current rates, here.

Certificate Accounts

Months Dividend Rate APY*
3 months 1.49% 1.50%
6 months 1.79% 1.80%
12 months 1.98% 2.00%
24 months 2.13% 2.15%
36 months 2.28% 2.30%
48 months 2.48% 2.50%
60 months 2.67% 2.70%
Smart30* 2.38% 2.40%
Jumbo Rate Special Bonus of .10% on Certificates with a balance of $50,000.00 or greater.
*APY= Annual Percentage Yield. **Smart30 term is 30 months. One Smart30 per member. One time penalty-free withdrawal is available. Maximum deposit is $20,000. There is a waiting period of 6 months to open a new Smart30 after closing one prior to maturity

Savings Accounts

Dividend Rate APY*
Super Share**

$1,000,000 and above

2.00% 1.98%

$500,000 - $999,999

1.75% 1.74%

$100,000 - $499,999

1.50% 1.49%

$50,000 - $99,999

1.24% 1.25%

Below $50,000

1.00% 1.00%
Christmas Club 0.05% 0.05%
Main Share 0.05% 0.05%
Go Account 0.05% 0.05%
Kasasa Saver 1.00% 1.00%


0.05% 0.05%
IRA Passbook 0.50% 0.50%
Health Savings Account (HSA) 0.50% 0.50%
*APY= Annual Percentage Yield **You must maintain a balance of $2,000 in the Main Share account to qualify for a Super Share.

Get the answers you're looking for.

Give us a call at 513-333-3800.

Investments are not NCUA insured, not credit union guaranteed, and may lose value. Registered Representative Securities offered through Cambridge Investment Research, Inc. A Broker/Dealer, Member FINRA/SIPC. Investment Advisor Representative Cambridge Investment Research Advisors, Inc., a Registered Investment Advisor. Cambridge and Cinfed Credit Union are not affiliated.
**You must maintain a balance of $2,000 in the Main Share account to qualify for a Super Share.
*APY=Annual Percentage Yield
Federally insured by NCUA up to $250,000. Deposits in excess of $250,000 are covered by Cinfed through ESI Corporation for a total up to $500,000.


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
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
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
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
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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