Mortgage Loans

Young excited couple standing outside of their new home

Mortgages and HELOCs
You have options and we want you to know about all of them. We're here to help you determine the mortgage that suits your needs and lifestyle.







Interest rate on the note remains the same through the term of the loan
  • You plan to live in the house for more than 5 to 10 years

  • You want relatively consistent mortgage payments 

  • You want to budget effectively for long term

  • Monthly payments don't change

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



Usually set at a fixed rate for a certain period of time, followed by periodic adjustments to the rate. Cinfed offers1-year,
3-1-year and 5-1-year adjustable rate mortgages.



  • You plan to be in your home for the short term

  • You plan on utilizing the payment savings to aggresively pay down principal

  • You can take advantage of falling rates without having to refinance

  • You may end up with a lower monthly payment if rates drop

  • Often a lower intial interest rate and payment



For those looking to purchase a home for the first time (or haven't owned a home within the last 3 years)


  • Only 10% down payment required

  • Affordable payments with 7 year adjustable rate




For those looking to build a home

  • Fixed and ARM* loans available

  • Receive the money when you need to complete the construction




Call Cinfed's Mortgage Department at 513-333-3995 to discuss your mortgage requirements and to request a loan application. View our Mortgage Loan Orginators


Your home is your one of your most important investments; make sure your home and everything in it is covered with comprehensive homeowners' insurance. Get a quote >




Cinfed's Equity Access Account (home equity line of credit) 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. Cinfed bases quarterly adjustments of Equity Access Account rates on the Prime Rate.

  • 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 with free Equity Access checks!

  • Rate as low as 5.25%.

Apply Now: Equity Access Application or call 513-333-3995.

View Equity Access (HELOC) Disclosure



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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