It’s never too early to start planning for your future. Even if you have a 401k or pension plan at work, changes in the tax law make IRAs more attractive than ever.
Cinfed offers Traditional and Roth IRA accounts. You can enjoy consistent growth and the safety of federally insured funds to $250,000 and additional coverage of $250,000 provided by Cinfed through ESI, Inc. Invest your IRA funds in a Cinfed certificate account or contribute to your IRA through payroll distribution. Cinfed offers IRAs with no annual maintenance fee. No minimum deposit is required when opening your account with an IRA transfer, rollover or regular payroll deposits.
 • Earnings on balance are tax-deferred
• Tax deduction for qualified taxpayers
• Required distribution at
  age 70 1/2
• Earned income required
• Earnings on balance are tax-deferred
• Tax-free distributions (must be a qualified distribution)
• No required distribution
• No age limit
• Earned income required
Call our IRA professional at 513-333-3883, to help you assess your best option. For more ideas to help you achieve financial security in retirement, visit Retirement Central. To meet with a financial planner, click here.


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


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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