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Loans

Borrowing at Cinfed
No matter your need, we've got you covered.

 

COMMERCIAL LOAN  

At Cinfed we offer our commercial members a level of service unmatched by other financial institutions. With our single point of contact approach, you’ll receive personalized service throughout the entire process.



 
VEHICLE LOAN  

Looking to purchase that dream car?  Not to worry, Cinfed is here to help.  We offer many excellent options to help make the right choice for your auto lending needs. Whether at home, the office or at the car dealership, you will receive prompt, personal service




 
 HOME EQUITY LINE OF CREDIT    

​Cinfed's Home Equity Line of Credit (HELOC) continues to get rave reviews from members who have taken advantage of the equity accumulated in their home to satisfy a variety of financing needs. And in most cases the interest may be tax deductible (consult your tax advisor).  A Cinfed HELOC allows you to access the equity in your home at a great low rate, while working with the financial family you already know and trust.
• Borrow up to 85% of the equity in your home
• Same low rate no matter how small or large your balance
• Easy access to funds through Online Banking
• Low interest only payments
• No Closing Costs

Cinfed bases quarterly adjustments of HELOC rates on the Wall Street Journal Prime Rate.

 

SIGNATURE LOAN    
For vacation and travel, medical and dental bills, school tuition, bill consolidation, unexpected expenses, or whatever your need may be, these loans can save the day. You'll find Cinfed rates reasonable.  



SHARE SECURED LOAN    
Cinfed's lower loan rates can make the difference when it's time for home improvements, furniture, appliances, home computers, and even garden equipment. For borrowing at the very lowest cost, Share Secured Loans permit you to use your Cinfed savings accounts or certificates as collateral.
 
 



READY CASH ACCOUNT
(PERSONAL LINE OF CREDIT)
   
Cinfed's Ready Cash Account is a personal line of credit that goes beyond credit cards. Easy access as overdraft to your checking account or personal checks to draw on your “Ready Cash.” Give yourself credit anytime and for any reason, it costs nothing until you use it.
 
 



K-12 TUITION LOAN

A quality education is what all parents’ desire for their children. Considering the expense of private schools can be overwhelming, but Cinfed can help. We offer a K-12 Tuition Loan at an exceptional rate as low as 4.99%.

 



STUDENT CHOICE LOAN

College can be expensive. Sometimes scholarships and grant money aren’t enough. That’s where a Cinfed Student Choice loan can help. With a Student Choice loan, we help fill the gap after financial aid, scholarships and grant money.

STUDENT LOAN REFINANCE PROGRAM
Already completed your degree but finding your student loan payments overwhelming? The Cinfed Student Choice Student Loan Refinance Program may be right for you. 

   

 



CONTACT CINFED

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

MEMBER REVIEWS

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

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