Conventional Mortgage Rates¹

Rates as of Aug 8, 2022 ET.

TERM RATE AS LOW AS APR*
30 year 5.500% 5.543%
20 year 5.250% 5.296%
15 year 4.875% 4.913%
10 year 4.500% 4.593%
7 year 4.250% 4.292%
5 year 4.000% 4.021%
*APR= Annual Percentage Rate
1. 80% maximum loan-to-value (LTV) with no cash-out. APR assumption based upon $100,000 loan amount. Rates subject to change. As Low As Rates based upon LTV. Loan amounts up to $647,200; avoid PMI with LTV of 80% or less. 80/10 financing available.
TERM
30 year
RATE AS LOW AS
5.500%
APR*
5.543%
TERM
20 year
RATE AS LOW AS
5.250%
APR*
5.296%
TERM
15 year
RATE AS LOW AS
4.875%
APR*
4.913%
TERM
10 year
RATE AS LOW AS
4.500%
APR*
4.593%
TERM
7 year
RATE AS LOW AS
4.250%
APR*
4.292%
TERM
5 year
RATE AS LOW AS
4.000%
APR*
4.021%
*APR= Annual Percentage Rate
1. 80% maximum loan-to-value (LTV) with no cash-out. APR assumption based upon $100,000 loan amount. Rates subject to change. As Low As Rates based upon LTV. Loan amounts up to $647,200; avoid PMI with LTV of 80% or less. 80/10 financing available.

Adjustable Mortgage Rates¹

Rates as of Aug 8, 2022 ET.

TERM RATE AS LOW AS APR*
7/1 ARM² (First Time Homebuyer) 5.500% 5.549%
7 year ARM 4.625% 4.691%
1 year ARM 3.750% 3.816%
3/1 ARM 3.875% 4.941%
5/1 ARM 4.125% 4.178%
*APR= Annual Percentage Rate
1. Adjustable Rate Mortgage (ARM). Up to 85% financing. Rates adjust after the first 1, 3, 5 or 7 years dependent on type of ARM. Adjustment period cap: 2%; Cap over term of loan: 6%. APR assumption based upon $100,000 loan amount. Actual rate depends on LTV (loan to value) and Credit Score. Rates subject to change. Avoid PMI with LTV of 80% or Less, 30 year amortization
2. No points. Only 10% down payment required. 90% financing. Adjustment Period Cap: 2%. Cap over term of loan: 6%. Up to 30-year term. Rates adjust after 7 years, then each year thereafter. Actual rate depends on loan to value (LTV). Must meet First Time Homebuyer qualifications.
TERM
7/1 ARM² (First Time Homebuyer)
RATE AS LOW AS
5.500%
APR*
5.549%
TERM
7 year ARM
RATE AS LOW AS
4.625%
APR*
4.691%
TERM
1 year ARM
RATE AS LOW AS
3.750%
APR*
3.816%
TERM
3/1 ARM
RATE AS LOW AS
3.875%
APR*
4.941%
TERM
5/1 ARM
RATE AS LOW AS
4.125%
APR*
4.178%
*APR= Annual Percentage Rate
1. Adjustable Rate Mortgage (ARM). Up to 85% financing. Rates adjust after the first 1, 3, 5 or 7 years dependent on type of ARM. Adjustment period cap: 2%; Cap over term of loan: 6%. APR assumption based upon $100,000 loan amount. Actual rate depends on LTV (loan to value) and Credit Score. Rates subject to change. Avoid PMI with LTV of 80% or Less, 30 year amortization
2. No points. Only 10% down payment required. 90% financing. Adjustment Period Cap: 2%. Cap over term of loan: 6%. Up to 30-year term. Rates adjust after 7 years, then each year thereafter. Actual rate depends on loan to value (LTV). Must meet First Time Homebuyer qualifications.

Home Equity Line of Credit¹

Rates as of Aug 8, 2022 ET.

Rate as low as 5.250% APR*
*APR = Annual Percentage Rate
1. Upon approved credit. As low as rate is based on financing 80% or less CLTV (combined loan to value) and an individual credit score of 760+. The APR is variable and may change quarterly; rate is based upon the Index plus a Margin. Rate cannot increase or decrease by more than 2.00% in each calendar year. Annual Fee: $35.00 each year following the day that your account is established, fee is waived for HELOC in 1st lien position or in which Cinfed holds a 1st lien position on the secured property. Early Termination Fee: If loan is paid and closed within 36 months of being established, You must reimburse the lessor of $115.00 or the actual fees and charges paid by Cinfed on your behalf to third parties in order to establish the line of credit.
Rate as low as 5.250% APR*
*APR = Annual Percentage Rate
1. Upon approved credit. As low as rate is based on financing 80% or less CLTV (combined loan to value) and an individual credit score of 760+. The APR is variable and may change quarterly; rate is based upon the Index plus a Margin. Rate cannot increase or decrease by more than 2.00% in each calendar year. Annual Fee: $35.00 each year following the day that your account is established, fee is waived for HELOC in 1st lien position or in which Cinfed holds a 1st lien position on the secured property. Early Termination Fee: If loan is paid and closed within 36 months of being established, You must reimburse the lessor of $115.00 or the actual fees and charges paid by Cinfed on your behalf to third parties in order to establish the line of credit.

Conventional Auto Loans

Rates as of Aug 8, 2022 ET.

LOAN TYPE Up to 63 months
With Autopay Discount
64-75¹ months
With Autopay Discount
76-84² months
With Autopay Discount
2021—Newer 4.240% APR* 4.740% APR* 5.490% APR*
2017—2020 4.740% APR* 5.240% APR* 5.990% APR*
2016 & Older 6.990% APR* N/A N/A
*APR= Annual Percentage Rate. Floor rate of 3.990%. Additional discounts available.
1. 64-75 mos available for loans >$20K / 2. 76-84 mos available for loans >$25K
LOAN TYPE
2021—Newer
Up to 63 months
With Autopay Discount

4.240% APR*
64-75¹ months
With Autopay Discount

4.740% APR*
76-84² months
With Autopay Discount

5.490% APR*
LOAN TYPE
2017—2020
Up to 63 months
With Autopay Discount

4.740% APR*
64-75¹ months
With Autopay Discount

5.240% APR*
76-84² months
With Autopay Discount

5.990% APR*
LOAN TYPE
2016 & Older
Up to 63 months
With Autopay Discount

6.990% APR*
64-75¹ months
With Autopay Discount

N/A
76-84² months
With Autopay Discount

N/A
*APR= Annual Percentage Rate. Floor rate of 3.990%. Additional discounts available.
1. 64-75 mos available for loans >$20K / 2. 76-84 mos available for loans >$25K

Flex Auto Loans

Rates as of Aug 8, 2022 ET.

LOAN TYPE Up to 63 months
With Autopay Discount
64-72¹ months
With Autopay Discount
2021—Newer 5.240% APR* 5.740% APR*
2017—2020 5.740% APR* 6.240% APR*
*APR= Annual Percentage Rate. Floor rate of 4.990%. Additional discounts available.
1. 64-72 mos available for loans >$20K
LOAN TYPE
2021—Newer
Up to 63 months
With Autopay Discount

5.240% APR*
64-72¹ months
With Autopay Discount

5.740% APR*
LOAN TYPE
2017—2020
Up to 63 months
With Autopay Discount

5.740% APR*
64-72¹ months
With Autopay Discount

6.240% APR*
*APR= Annual Percentage Rate. Floor rate of 4.990%. Additional discounts available.
1. 64-72 mos available for loans >$20K

Boats, Motorcycles, RVs, Tractors

Rates as of Aug 8, 2022 ET.

LOAN TYPE Up to 63 months
APR* as low as
64-75 months
APR* as low as
76-84 months
APR* as low as
85-96 months
APR* as low as
N/A 5.990% 6.990%¹ 7.990%² 9.990%³
*APR= Annual Percentage Rate. As low as rate based on 760+ Credit Score and Auto Pay
1. 64-75 mos available for loans >$20K / 2. 76-84 mos available for loans >$30K / 3. 85-96 mos available for loans >$50K
LOAN TYPE
N/A
Up to 63 months
APR* as low as

5.990%
64-75 months
APR* as low as

6.990%¹
76-84 months
APR* as low as

7.990%²
85-96 months
APR* as low as

9.990%³
*APR= Annual Percentage Rate. As low as rate based on 760+ Credit Score and Auto Pay
1. 64-75 mos available for loans >$20K / 2. 76-84 mos available for loans >$30K / 3. 85-96 mos available for loans >$50K

General Loans

Rates as of Aug 8, 2022 ET.

ACCOUNT TYPE MAXIMUM TERM RATE (APR)*
Signature 48 Months As low as 8.990%¹
Signature 60 Months As low as 9.990%¹
Share Secured Loan 60 Months Share rate plus 3.000%²
Certificate Secured Loan 60 Months Certificate rate plus 3.000%³
K-12 Tuition Loan⁴ 12 Months As low as 5.990%
Ready Cash Account⁵ Line of credit As low as 8.990%
30/60/90/180 Day Note Up to 180 days As low as 8.990%
*APR= Annual Percentage Rate
1. As low as rate based on 760+ Credit Score and Auto pay for max term
2. Rate as low as 3.05%. Maintain a balance in your Main Share savings account that is equal to the balance of your loan. As you pay down the loan, fewer shares are required to be secured.
3. Maximum term available equal to remaining term on certificate securing balance of CD.
4. Max Term of 12 months.
5. Rate will vary; $5.00 overdraft transfer fee applies.
ACCOUNT TYPE
Signature
MAXIMUM TERM
48 Months
RATE (APR)*
As low as 8.990%¹
ACCOUNT TYPE
Signature
MAXIMUM TERM
60 Months
RATE (APR)*
As low as 9.990%¹
ACCOUNT TYPE
Share Secured Loan
MAXIMUM TERM
60 Months
RATE (APR)*
Share rate plus 3.000%²
ACCOUNT TYPE
Certificate Secured Loan
MAXIMUM TERM
60 Months
RATE (APR)*
Certificate rate plus 3.000%³
ACCOUNT TYPE
K-12 Tuition Loan⁴
MAXIMUM TERM
12 Months
RATE (APR)*
As low as 5.990%
ACCOUNT TYPE
Ready Cash Account⁵
MAXIMUM TERM
Line of credit
RATE (APR)*
As low as 8.990%
ACCOUNT TYPE
30/60/90/180 Day Note
MAXIMUM TERM
Up to 180 days
RATE (APR)*
As low as 8.990%
*APR= Annual Percentage Rate
1. As low as rate based on 760+ Credit Score and Auto pay for max term
2. Rate as low as 3.05%. Maintain a balance in your Main Share savings account that is equal to the balance of your loan. As you pay down the loan, fewer shares are required to be secured.
3. Maximum term available equal to remaining term on certificate securing balance of CD.
4. Max Term of 12 months.
5. Rate will vary; $5.00 overdraft transfer fee applies.

Commercial

Rates as of Aug 8, 2022 ET.

LOAN TYPE TERM MAX LTV AMORTIZATION¹ BASE RATES (APR)²
Purchase 10 Year Term 75%-80% 25 Years 1 YR ARM 3.850-4.100%
3/1 ARM: 4.100-4.350%
5/1 ARM 4.350-4.600%
7/1 ARM 4.600-4.850%
10 YR Fixed 4.850-5.100%
Refinance Rate & Term 10 Year Term 70-75% 25 Years 1 YR ARM 3.850-4.100%
3/1 ARM: 4.100-4.350%
5/1 ARM 4.350-4.600%
7/1 ARM 4.600-4.850%
10 YR Fixed 4.850-5.100%
Refinance Cash-Out 10 Year Term 70-75% 20 Years 1 YR ARM 3.950-4.200%
3/1 ARM: 4.200-4.450%
5/1 ARM 4.450-4.700%
7/1 ARM 4.700-4.950%
10 YR Fixed 4.950-5.200%
Construction & Development 12-18 Month Term 65-70% Interest Only Variable 4.000% Floor
Operating Lines of Credit 12-60 Month Term Varies by Collateral Revolving Variable 4.500% Floor
1 Up to 25 Years for loan amounts > $250,000; 30 YR > $2,000,000; 20 YR MAX < $250,000
2 APR= Annual Percentage Rate; Base Rates based upon 1 YR US TCM Index + Corresponding Margin
  • All ARM products assume 2% Caps, -1% Floor [Margin when Index < 1%], +6% Ceiling
  • All rates assume up to 1% Lender Fees for New Members; 0.50% for Existing Members
  • Monthly payments must be set up on automatic debit from a Cinfed share account
  • Terms as of 3/31/22, are subject to change without notice - please call for quote
LOAN TYPE
Purchase
TERM
10 Year Term
MAX LTV
75%-80%
AMORTIZATION¹
25 Years
BASE RATES (APR)²
1 YR ARM 3.850-4.100%
3/1 ARM: 4.100-4.350%
5/1 ARM 4.350-4.600%
7/1 ARM 4.600-4.850%
10 YR Fixed 4.850-5.100%
LOAN TYPE
Refinance Rate & Term
TERM
10 Year Term
MAX LTV
70-75%
AMORTIZATION¹
25 Years
BASE RATES (APR)²
1 YR ARM 3.850-4.100%
3/1 ARM: 4.100-4.350%
5/1 ARM 4.350-4.600%
7/1 ARM 4.600-4.850%
10 YR Fixed 4.850-5.100%
LOAN TYPE
Refinance Cash-Out
TERM
10 Year Term
MAX LTV
70-75%
AMORTIZATION¹
20 Years
BASE RATES (APR)²
1 YR ARM 3.950-4.200%
3/1 ARM: 4.200-4.450%
5/1 ARM 4.450-4.700%
7/1 ARM 4.700-4.950%
10 YR Fixed 4.950-5.200%
LOAN TYPE
Construction & Development
TERM
12-18 Month Term
MAX LTV
65-70%
AMORTIZATION¹
Interest Only
BASE RATES (APR)²
Variable 4.000% Floor
LOAN TYPE
Operating Lines of Credit
TERM
12-60 Month Term
MAX LTV
Varies by Collateral
AMORTIZATION¹
Revolving
BASE RATES (APR)²
Variable 4.500% Floor
1 Up to 25 Years for loan amounts > $250,000; 30 YR > $2,000,000; 20 YR MAX < $250,000
2 APR= Annual Percentage Rate; Base Rates based upon 1 YR US TCM Index + Corresponding Margin
  • All ARM products assume 2% Caps, -1% Floor [Margin when Index < 1%], +6% Ceiling
  • All rates assume up to 1% Lender Fees for New Members; 0.50% for Existing Members
  • Monthly payments must be set up on automatic debit from a Cinfed share account
  • Terms as of 3/31/22, are subject to change without notice - please call for quote

Savings

Rates as of Aug 8, 2022 ET.

Super Share* APY* DIVIDEND RATE
$1,000,000 and above 1.600% 1.588%
$500,000 - $999,999 1.400% 1.391%
$100,000 - $499,999 1.200% 1.193%
$50,000 - $99,999 1.000% 0.995%
Below $50,000 0.800% 0.797%
Christmas Club 0.050% 0.050%
Main Share 0.050% 0.050%
Go Account 0.050% 0.050%
Kasasa Saver 0.800% 0.800%
Kasasa Saver Non-Qualified 0.050% 0.050%
IRA Passbook 0.500% 0.500%
*APY = Annual Percentage Yield
**You must maintain a balance of $2,000 in the Main Share account to qualify for a Super Share.
Super Share*
$1,000,000 and above
APY*
1.600%
DIVIDEND RATE
1.588%
Super Share*
$500,000 - $999,999
APY*
1.400%
DIVIDEND RATE
1.391%
Super Share*
$100,000 - $499,999
APY*
1.200%
DIVIDEND RATE
1.193%
Super Share*
$50,000 - $99,999
APY*
1.000%
DIVIDEND RATE
0.995%
Super Share*
Below $50,000
APY*
0.800%
DIVIDEND RATE
0.797%
Super Share*
Christmas Club
APY*
0.050%
DIVIDEND RATE
0.050%
Super Share*
Main Share
APY*
0.050%
DIVIDEND RATE
0.050%
Super Share*
Go Account
APY*
0.050%
DIVIDEND RATE
0.050%
Super Share*
Kasasa Saver
APY*
0.800%
DIVIDEND RATE
0.800%
Super Share*
Kasasa Saver Non-Qualified
APY*
0.050%
DIVIDEND RATE
0.050%
Super Share*
IRA Passbook
APY*
0.500%
DIVIDEND RATE
0.500%
*APY = Annual Percentage Yield
**You must maintain a balance of $2,000 in the Main Share account to qualify for a Super Share.

Health Savings Account (HSA)

Rates as of Aug 8, 2022 ET.

ACCOUNT TYPE APY* DIVIDEND RATE
Health Savings Account (HSA) 0.500% 0.500%
*APY = Annual Percentage Yield
ACCOUNT TYPE
Health Savings Account (HSA)
APY*
0.500%
DIVIDEND RATE
0.500%
*APY = Annual Percentage Yield

Certificates

Rates as of Aug 8, 2022 ET.

AVAILABLE TERMS APY* RATE
3 Months 1.250% 1.245%
6 Months 1.500% 1.492%
12 Months 1.750% 1.739%
24 Months 2.000% 1.985%
36 Months 2.500% 2.477%
48 Months 2.750% 2.722%
60 Months 3.000% 2.967%
Smart30** 2.650% 2.624%
Jumbo Rate Special 25 Basis Points Bonus for 24-60 Month CDs >= $50k
*APY= Annual Percentage Yield. Minimum $500 deposit for standard certificates
**Smart30 term is 30 months. One Smart30 per member. One time penalty-free withdrawal is available. Minimum $50 deposit. Maximum deposit is $20,000. There is a waiting period of 6 months to open a new Smart30 after closing one prior to maturity.
AVAILABLE TERMS
3 Months
APY*
1.250%
RATE
1.245%
AVAILABLE TERMS
6 Months
APY*
1.500%
RATE
1.492%
AVAILABLE TERMS
12 Months
APY*
1.750%
RATE
1.739%
AVAILABLE TERMS
24 Months
APY*
2.000%
RATE
1.985%
AVAILABLE TERMS
36 Months
APY*
2.500%
RATE
2.477%
AVAILABLE TERMS
48 Months
APY*
2.750%
RATE
2.722%
AVAILABLE TERMS
60 Months
APY*
3.000%
RATE
2.967%
AVAILABLE TERMS
Smart30**
APY*
2.650%
RATE
2.624%
AVAILABLE TERMS
Jumbo Rate Special
APY*
25 Basis Points Bonus for 24-60 Month CDs >= $50k
RATE
*APY= Annual Percentage Yield. Minimum $500 deposit for standard certificates
**Smart30 term is 30 months. One Smart30 per member. One time penalty-free withdrawal is available. Minimum $50 deposit. Maximum deposit is $20,000. There is a waiting period of 6 months to open a new Smart30 after closing one prior to maturity.

Checking

Rates as of Aug 8, 2022 ET.

ACCOUNT TYPE APY* DIVIDEND RATE Minimum Balance
Kasasa Cash®
Up to $20,000
1.500% 1.490% No minimum balance
Kasasa Cash®
Over $20,000
0.500% 0.500% No minimum balance
*APY = Annual Percentage Yield. Rates and rewards are variable and may change after account is opened. Fees may reduce earnings. For Kasasa Cash account, if qualifications are met during a Monthly Qualification Cycle, (1) Balances up to $20,000 receive APY of 1.50%; and balances over $20,000 earn 0.10% dividend rate on the portion of balance over $20,000, resulting in a range from 1.50% to 0.33% APY depending on the account’s balance and (2) you will receive reimbursements up to $20 for nationwide ATM fees incurred during the Monthly Qualification Cycle in which you qualified. Dividends and ATM fee reimbursements will be credited to your Kasasa Cash account on the last day of statement cycle. When Kasasa Cash qualifications are not met, all balances in the account earn .05% APY and ATM fees are not refunded. Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account’s rewards. ATM-processed transactions do not count toward qualifying debit card transactions. Transfers between accounts do not count as qualifying transactions. “Monthly Qualification Cycle” means a period beginning one (1) day prior to the first day of the current statement cycle through one (1) day prior to the close of the current statement cycle. The advertised Kasasa Cash APY is based on compounding dividends. The Kasasa Saver APY may be less than Kasasa Cash APY. If qualifications are met in your Kasasa Cash or Kasasa Cash Back account during the Monthly Qualification Cycle, the balance in the Kasasa Saver earns 0.30% APY. If Kasasa Cash or Cash Back qualifications are not met, the balance in the Kasasa Saver earns 0.05% APY. Limit one Kasasa Saver per social security number.
ACCOUNT TYPE
Kasasa Cash®
Up to $20,000
APY*
1.500%
DIVIDEND RATE
1.490%
Minimum Balance
No minimum balance
ACCOUNT TYPE
Kasasa Cash®
Over $20,000
APY*
0.500%
DIVIDEND RATE
0.500%
Minimum Balance
No minimum balance
*APY = Annual Percentage Yield. Rates and rewards are variable and may change after account is opened. Fees may reduce earnings. For Kasasa Cash account, if qualifications are met during a Monthly Qualification Cycle, (1) Balances up to $20,000 receive APY of 1.50%; and balances over $20,000 earn 0.10% dividend rate on the portion of balance over $20,000, resulting in a range from 1.50% to 0.33% APY depending on the account’s balance and (2) you will receive reimbursements up to $20 for nationwide ATM fees incurred during the Monthly Qualification Cycle in which you qualified. Dividends and ATM fee reimbursements will be credited to your Kasasa Cash account on the last day of statement cycle. When Kasasa Cash qualifications are not met, all balances in the account earn .05% APY and ATM fees are not refunded. Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account’s rewards. ATM-processed transactions do not count toward qualifying debit card transactions. Transfers between accounts do not count as qualifying transactions. “Monthly Qualification Cycle” means a period beginning one (1) day prior to the first day of the current statement cycle through one (1) day prior to the close of the current statement cycle. The advertised Kasasa Cash APY is based on compounding dividends. The Kasasa Saver APY may be less than Kasasa Cash APY. If qualifications are met in your Kasasa Cash or Kasasa Cash Back account during the Monthly Qualification Cycle, the balance in the Kasasa Saver earns 0.30% APY. If Kasasa Cash or Cash Back qualifications are not met, the balance in the Kasasa Saver earns 0.05% APY. Limit one Kasasa Saver per social security number.

Credit Cards¹

Rates as of Aug 8, 2022 ET.

Card Type Rate (APR)²
Cinfed Platinum Mastercard 11.150% - 18.000%
Cinfed World Mastercard 13.990% - 18.000%
Cinfed Business Card Mastercard 11.150% - 18.000%
1. Credit card rate determined at account opening based on credit worthiness. After that, your rate will vary with market based on the Prime Rate. Annual fees may apply based on credit history.
2. APR = Annual Percentage Rate; Rates may vary; Annual Percentage Rate is based on credit history.
Card Type
Cinfed Platinum Mastercard
Rate (APR)²
11.150% - 18.000%
Card Type
Cinfed World Mastercard
Rate (APR)²
13.990% - 18.000%
Card Type
Cinfed Business Card Mastercard
Rate (APR)²
11.150% - 18.000%
1. Credit card rate determined at account opening based on credit worthiness. After that, your rate will vary with market based on the Prime Rate. Annual fees may apply based on credit history.
2. APR = Annual Percentage Rate; Rates may vary; Annual Percentage Rate is based on credit history.