Relax & Enjoy the Holidays!

Cover your expenses with a discount on a Holiday Loan — or use Skip A Pay to save yourself some extra cash for the season.


Spending Power To Cover Holiday Costs

This year, relax and enjoy the holidays with help from Cinfed!

You’ll have the spending power to cover gifts, travel costs, or special occasions that make great memories.

Apply now and get a 2.00% APR* discount on a Holiday Signature Loan (as low as 9.49% APR*) for 12 months! Compared to high-interest-rate credit cards, this low rate means you spend less on interest payments — so you have more to spend on what you want.


Already have a Cinfed loan? Use Skip A Pay

Keep some extra cash in your pocket by skipping one monthly payment on your Cinfed loan for just $40.**  It’s easy — you can either:

  • Log into Digital Banking, click “Resources” then “Skip A Pay” and follow the instructions.
  • Call the Cinfed Contact Center at 513-333-3800.

Using Skip A Pay will extend your final payment on the designated loan by one month; interest will continue to accrue.
Set your finances up now so you can enjoy the holidays later! Take advantage of these special offerings — now through January 31!

More Than 100 Reasons To Be A Member

The Holiday Loan and Skip A Pay add two more reasons for you! See the full list of 100 Reasons It Pays To Be A Cinfed Member!


*APR = Annual Percentage Rate. Subject to final credit approval. Actual rate based on applicant’s credit score. For 2.00% APR discount promotion; maximum loan term of 12 months, maximum loan amount of $2,500. Rate discount floor limit is 9.49%. Payment Example: $2,500 loan for 12-months at 9.49% APR will result in an approximate monthly payment of $220.06 ($88.02 per $1,000 borrowed). Offer Expires January 31, 2024.

**The fee can be deducted from your Cinfed Credit Union account. If the designated loan account has been delinquent for any reason, Cinfed reserves the right to deny the Skip A Payment application. Offer applies only to closed-end consumer installment loans and does not apply to mortgage loans, credit cards, lines of credit student loans or business loans. Skip A Payment can be used one time per loan in a 12-month period. All credit terms applicable immediately prior to the skip period will again apply when the skip period has expired.