Secured Cards

Helping Your Credit Score:
Cinfed Secured Mastercard®

When you need to build your credit score, a Cinfed Secured Mastercard can be your answer. Our Secured Cards offer guaranteed approval* and can get your credit score back on track. Here’s how it works:

  1. Work with a Cinfed staff person to determine your Secured Mastercard limit. Then you’ll deposit that amount (minimum $300) plus 10% into a designated savings account; this is your Security Deposit.
  2. When you receive your Secured Mastercard, you can activate it and begin using it for purchases.
  3. As you use your card, you must make monthly payments and remain under your established credit limit. Your Security Deposit cannot be used to pay your balance; it’s like the security deposit for an apartment and cannot be touched.
  4. A key factor in boosting your credit score is by demonstrating that you're effectively managing credit and making your payments on time.
  5. With an improved credit score, a non-secured credit card could become a reality, subject to eligibility requirements.
  6. Your Secured Mastercard account can be closed and your deposit returned any time, as long as the balance is paid in full.

Cinfed is committed to your success, and our Secured Mastercard helps you build your credit score and puts you on the right financial path.

Get started today!

Stop by our branch

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

Reviewing your credit score can pay off.
Visit the Money Matters Blog.

Want to learn more about credit cards?
Visit the Cinfed Financial Education Center!

Keep your credit and debit cards secure.
Review this list of “best practices.”

*Applicant must be age 21 or older and cannot have had any previous losses with Cinfed. Applicant cannot be in active bankruptcy. Subject to deposit of card limit (minimum $300) + 10% into savings account. Credit card rate determined at account opening based on credit worthiness. Afterwards, rate will vary with the market based on the prime rate. Annual fee of $25 will apply for credit scores of 650 or lower.


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
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
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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