Certificates
Rates as of Nov 6, 2024 ET.
AVAILABLE TERMS | APY* | RATE |
---|---|---|
3 Months | 3.25% | 3.21% |
6 Months | 4.30% | 4.23% |
12 Months | 4.20% | 4.13% |
24 Months | 4.00% | 3.94% |
36 Months | 3.90% | 3.84% |
48 Months | 3.80% | 3.74% |
60 Months | 3.70% | 3.65% |
Smart30** | 4.00% | 3.94% |
Legacy*** | 4.20% | 4.13% |
Jumbo Rate Special | 15 Basis Points Bonus for 24-60 Month CDs >= $50k |
*APY= Annual Percentage Yield. Minimum $500 deposit for standard certificates
**Smart30 requirements: minimum $50 opening deposit. One per member. Only one penalty-free withdrawal. Maximum deposit of $20,000. Member must wait 6 months to open a new Smart30 after closing one prior to maturity. Not available on IRA/HSA accounts.
***One per minor child. Minimum opening deposit $50. Cinfed will match a one-time $50 opening deposit. Can make additional deposits until maturity date. Monthly transfer required; 18 month term.
**Smart30 requirements: minimum $50 opening deposit. One per member. Only one penalty-free withdrawal. Maximum deposit of $20,000. Member must wait 6 months to open a new Smart30 after closing one prior to maturity. Not available on IRA/HSA accounts.
***One per minor child. Minimum opening deposit $50. Cinfed will match a one-time $50 opening deposit. Can make additional deposits until maturity date. Monthly transfer required; 18 month term.
AVAILABLE TERMS
3 Months
|
---|
APY* 3.25% |
RATE 3.21% |
AVAILABLE TERMS
6 Months
|
---|
APY* 4.30% |
RATE 4.23% |
AVAILABLE TERMS
12 Months
|
---|
APY* 4.20% |
RATE 4.13% |
AVAILABLE TERMS
24 Months
|
---|
APY* 4.00% |
RATE 3.94% |
AVAILABLE TERMS
36 Months
|
---|
APY* 3.90% |
RATE 3.84% |
AVAILABLE TERMS
48 Months
|
---|
APY* 3.80% |
RATE 3.74% |
AVAILABLE TERMS
60 Months
|
---|
APY* 3.70% |
RATE 3.65% |
AVAILABLE TERMS
Smart30**
|
---|
APY* 4.00% |
RATE 3.94% |
AVAILABLE TERMS
Legacy***
|
---|
APY* 4.20% |
RATE 4.13% |
AVAILABLE TERMS
Jumbo Rate Special
|
---|
APY* 15 Basis Points Bonus for 24-60 Month CDs >= $50k |
RATE |
*APY= Annual Percentage Yield. Minimum $500 deposit for standard certificates
**Smart30 requirements: minimum $50 opening deposit. One per member. Only one penalty-free withdrawal. Maximum deposit of $20,000. Member must wait 6 months to open a new Smart30 after closing one prior to maturity. Not available on IRA/HSA accounts.
***One per minor child. Minimum opening deposit $50. Cinfed will match a one-time $50 opening deposit. Can make additional deposits until maturity date. Monthly transfer required; 18 month term.
**Smart30 requirements: minimum $50 opening deposit. One per member. Only one penalty-free withdrawal. Maximum deposit of $20,000. Member must wait 6 months to open a new Smart30 after closing one prior to maturity. Not available on IRA/HSA accounts.
***One per minor child. Minimum opening deposit $50. Cinfed will match a one-time $50 opening deposit. Can make additional deposits until maturity date. Monthly transfer required; 18 month term.
Conventional Mortgage Rates¹
Rates as of Nov 6, 2024 ET.
TERM | RATE AS LOW AS | APR* |
---|---|---|
30 year | 6.750% | 6.815% |
20 year | 6.625% | 6.688% |
15 year | 5.875% | 6.083% |
10 year | 5.750% | 5.991% |
7 year | N/A | N/A |
5 year | N/A | N/A |
Home Possible² | 6.625% | 6.690% |
Investment/Rental³ | 7.125% | 7.190% |
*APR= Annual Percentage Rate
1. As low as rates (APR) assumption is based upon $185,000 loan amount, 80% Loan-to-value (LTV) or less, and representative credit score of 760+. APR may vary depending on the final loan amount and finance charges. Rates are subject to change without notice. Minimum loan term is 5 years, Maximum loan term is 30 years. Maximum loan amount of $726,200.00. Maximum LTV of 80% with no cash-out.
2. For qualified loans, rate is based on 80% LTV with no PMI. If LTV is greater than 80%, PMI will be added and APR will increase.
3. Available for rental properties comprising 1-4 units.
1. As low as rates (APR) assumption is based upon $185,000 loan amount, 80% Loan-to-value (LTV) or less, and representative credit score of 760+. APR may vary depending on the final loan amount and finance charges. Rates are subject to change without notice. Minimum loan term is 5 years, Maximum loan term is 30 years. Maximum loan amount of $726,200.00. Maximum LTV of 80% with no cash-out.
2. For qualified loans, rate is based on 80% LTV with no PMI. If LTV is greater than 80%, PMI will be added and APR will increase.
3. Available for rental properties comprising 1-4 units.
TERM
30 year
|
---|
RATE AS LOW AS 6.750% |
APR* 6.815% |
TERM
20 year
|
---|
RATE AS LOW AS 6.625% |
APR* 6.688% |
TERM
15 year
|
---|
RATE AS LOW AS 5.875% |
APR* 6.083% |
TERM
10 year
|
---|
RATE AS LOW AS 5.750% |
APR* 5.991% |
TERM
7 year
|
---|
RATE AS LOW AS N/A |
APR* N/A |
TERM
5 year
|
---|
RATE AS LOW AS N/A |
APR* N/A |
TERM
Home Possible²
|
---|
RATE AS LOW AS 6.625% |
APR* 6.690% |
TERM
Investment/Rental³
|
---|
RATE AS LOW AS 7.125% |
APR* 7.190% |
*APR= Annual Percentage Rate
1. As low as rates (APR) assumption is based upon $185,000 loan amount, 80% Loan-to-value (LTV) or less, and representative credit score of 760+. APR may vary depending on the final loan amount and finance charges. Rates are subject to change without notice. Minimum loan term is 5 years, Maximum loan term is 30 years. Maximum loan amount of $726,200.00. Maximum LTV of 80% with no cash-out.
2. For qualified loans, rate is based on 80% LTV with no PMI. If LTV is greater than 80%, PMI will be added and APR will increase.
3. Available for rental properties comprising 1-4 units.
1. As low as rates (APR) assumption is based upon $185,000 loan amount, 80% Loan-to-value (LTV) or less, and representative credit score of 760+. APR may vary depending on the final loan amount and finance charges. Rates are subject to change without notice. Minimum loan term is 5 years, Maximum loan term is 30 years. Maximum loan amount of $726,200.00. Maximum LTV of 80% with no cash-out.
2. For qualified loans, rate is based on 80% LTV with no PMI. If LTV is greater than 80%, PMI will be added and APR will increase.
3. Available for rental properties comprising 1-4 units.
Adjustable Mortgage Rates¹
Rates as of Nov 6, 2024 ET.
TERM | RATE AS LOW AS | APR* |
---|---|---|
5 Year ARM² (First Time Homebuyer) | 6.875% | 8.135% |
7 year ARM | 7.750% | 9.104% |
1 year ARM | N/A | N/A |
3 year ARM | 6.250% | 7.412% |
5 year ARM | 6.500% | 7.787% |
Investment/Rental³ | 7.000% | 8.437% |
*APR= Annual Percentage Rate
1. Adjustable Rate Mortgages (ARMs) Up to 90% Loan-to-value (LTV). As low as rates (APR) assumption is based upon $185,000 loan amount, 80% LTV or less, and representative credit score of 760+. APR may vary depending on the final loan amount and finance charges. Rates adjust on a semiannual (every 6 months) basis after initial/introductory rate period (1, 3, 5, or 7 years). The index for ARMs is the 30-day Average SOFR. APR will never go below the Margin. All ARMs have a 5% lifetime cap above the initial rate. The 3/6-month and 5/6-month can adjust 2% after the initial/introductory rate period; Then a minimum/maximum adjustment of 1% per adjustment period. 7/6-month can adjust 5% after the initial/introductory rate period; Then a minimum/maximum adjustment of 1% per adjustment period. Private Mortgage Insurance (PMI) may be required.
2. Must meet First Time Homebuyer (FTHB) qualifications. FTHB loan programs require an escrow account be set up for Property Taxes and Homeowner's Insurance. Please contact our mortgage origination team for more details.
3. Available for rental properties comprising 1-4 units. Loan agreement include 15-year balloon payment.
1. Adjustable Rate Mortgages (ARMs) Up to 90% Loan-to-value (LTV). As low as rates (APR) assumption is based upon $185,000 loan amount, 80% LTV or less, and representative credit score of 760+. APR may vary depending on the final loan amount and finance charges. Rates adjust on a semiannual (every 6 months) basis after initial/introductory rate period (1, 3, 5, or 7 years). The index for ARMs is the 30-day Average SOFR. APR will never go below the Margin. All ARMs have a 5% lifetime cap above the initial rate. The 3/6-month and 5/6-month can adjust 2% after the initial/introductory rate period; Then a minimum/maximum adjustment of 1% per adjustment period. 7/6-month can adjust 5% after the initial/introductory rate period; Then a minimum/maximum adjustment of 1% per adjustment period. Private Mortgage Insurance (PMI) may be required.
2. Must meet First Time Homebuyer (FTHB) qualifications. FTHB loan programs require an escrow account be set up for Property Taxes and Homeowner's Insurance. Please contact our mortgage origination team for more details.
3. Available for rental properties comprising 1-4 units. Loan agreement include 15-year balloon payment.
TERM
5 Year ARM² (First Time Homebuyer)
|
---|
RATE AS LOW AS 6.875% |
APR* 8.135% |
TERM
7 year ARM
|
---|
RATE AS LOW AS 7.750% |
APR* 9.104% |
TERM
1 year ARM
|
---|
RATE AS LOW AS N/A |
APR* N/A |
TERM
3 year ARM
|
---|
RATE AS LOW AS 6.250% |
APR* 7.412% |
TERM
5 year ARM
|
---|
RATE AS LOW AS 6.500% |
APR* 7.787% |
TERM
Investment/Rental³
|
---|
RATE AS LOW AS 7.000% |
APR* 8.437% |
*APR= Annual Percentage Rate
1. Adjustable Rate Mortgages (ARMs) Up to 90% Loan-to-value (LTV). As low as rates (APR) assumption is based upon $185,000 loan amount, 80% LTV or less, and representative credit score of 760+. APR may vary depending on the final loan amount and finance charges. Rates adjust on a semiannual (every 6 months) basis after initial/introductory rate period (1, 3, 5, or 7 years). The index for ARMs is the 30-day Average SOFR. APR will never go below the Margin. All ARMs have a 5% lifetime cap above the initial rate. The 3/6-month and 5/6-month can adjust 2% after the initial/introductory rate period; Then a minimum/maximum adjustment of 1% per adjustment period. 7/6-month can adjust 5% after the initial/introductory rate period; Then a minimum/maximum adjustment of 1% per adjustment period. Private Mortgage Insurance (PMI) may be required.
2. Must meet First Time Homebuyer (FTHB) qualifications. FTHB loan programs require an escrow account be set up for Property Taxes and Homeowner's Insurance. Please contact our mortgage origination team for more details.
3. Available for rental properties comprising 1-4 units. Loan agreement include 15-year balloon payment.
1. Adjustable Rate Mortgages (ARMs) Up to 90% Loan-to-value (LTV). As low as rates (APR) assumption is based upon $185,000 loan amount, 80% LTV or less, and representative credit score of 760+. APR may vary depending on the final loan amount and finance charges. Rates adjust on a semiannual (every 6 months) basis after initial/introductory rate period (1, 3, 5, or 7 years). The index for ARMs is the 30-day Average SOFR. APR will never go below the Margin. All ARMs have a 5% lifetime cap above the initial rate. The 3/6-month and 5/6-month can adjust 2% after the initial/introductory rate period; Then a minimum/maximum adjustment of 1% per adjustment period. 7/6-month can adjust 5% after the initial/introductory rate period; Then a minimum/maximum adjustment of 1% per adjustment period. Private Mortgage Insurance (PMI) may be required.
2. Must meet First Time Homebuyer (FTHB) qualifications. FTHB loan programs require an escrow account be set up for Property Taxes and Homeowner's Insurance. Please contact our mortgage origination team for more details.
3. Available for rental properties comprising 1-4 units. Loan agreement include 15-year balloon payment.
Home Equity Line of Credit¹
Rates as of Nov 6, 2024 ET.
Rate as low as 7.750% 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.
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 7.750% 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.
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 Nov 6, 2024 ET.
LOAN TYPE | Up to 63 months With Autopay Discount |
64-75¹ months With Autopay Discount |
76-84² months With Autopay Discount |
---|---|---|---|
2022—Newer | 6.740% APR* | 7.240% APR* | 8.240% APR* |
2019—2021 | 7.490% APR* | 7.990% APR* | 9.240% APR* |
2018 & Older | 8.740% APR* | N/A | N/A |
*APR = Annual Percentage Rate. As low as rate based on 760+ Credit Score and Auto Pay. Floor rate of 6.490%. Additional Discounts Available
1. 64-72 mos available for loans >$20K / 2. 76-84 mos available for loans >$25K
For 1.00% APR^ refinance auto loan discount: ^APR = Annual Percentage Rate is based on credit history, vehicle year and term of loan. For refinancing, proof of current rate required. Not applicable to current loans with Cinfed. Rate discount may not exceed 2% below the applicant's qualifying Cinfed rate, subject to floor limit of 6.49% APR. Floor rate for Flex Auto Loan is 7.74% APR. Subject to credit approval. Offer subject to change. Expires on October 15, 2024.
1. 64-72 mos available for loans >$20K / 2. 76-84 mos available for loans >$25K
For 1.00% APR^ refinance auto loan discount: ^APR = Annual Percentage Rate is based on credit history, vehicle year and term of loan. For refinancing, proof of current rate required. Not applicable to current loans with Cinfed. Rate discount may not exceed 2% below the applicant's qualifying Cinfed rate, subject to floor limit of 6.49% APR. Floor rate for Flex Auto Loan is 7.74% APR. Subject to credit approval. Offer subject to change. Expires on October 15, 2024.
LOAN TYPE
2022—Newer
|
---|
Up to 63 months With Autopay Discount 6.740% APR* |
64-75¹ months With Autopay Discount 7.240% APR* |
76-84² months With Autopay Discount 8.240% APR* |
LOAN TYPE
2019—2021
|
---|
Up to 63 months With Autopay Discount 7.490% APR* |
64-75¹ months With Autopay Discount 7.990% APR* |
76-84² months With Autopay Discount 9.240% APR* |
LOAN TYPE
2018 & Older
|
---|
Up to 63 months With Autopay Discount 8.740% APR* |
64-75¹ months With Autopay Discount N/A |
76-84² months With Autopay Discount N/A |
*APR = Annual Percentage Rate. As low as rate based on 760+ Credit Score and Auto Pay. Floor rate of 6.490%. Additional Discounts Available
1. 64-72 mos available for loans >$20K / 2. 76-84 mos available for loans >$25K
For 1.00% APR^ refinance auto loan discount: ^APR = Annual Percentage Rate is based on credit history, vehicle year and term of loan. For refinancing, proof of current rate required. Not applicable to current loans with Cinfed. Rate discount may not exceed 2% below the applicant's qualifying Cinfed rate, subject to floor limit of 6.49% APR. Floor rate for Flex Auto Loan is 7.74% APR. Subject to credit approval. Offer subject to change. Expires on October 15, 2024.
1. 64-72 mos available for loans >$20K / 2. 76-84 mos available for loans >$25K
For 1.00% APR^ refinance auto loan discount: ^APR = Annual Percentage Rate is based on credit history, vehicle year and term of loan. For refinancing, proof of current rate required. Not applicable to current loans with Cinfed. Rate discount may not exceed 2% below the applicant's qualifying Cinfed rate, subject to floor limit of 6.49% APR. Floor rate for Flex Auto Loan is 7.74% APR. Subject to credit approval. Offer subject to change. Expires on October 15, 2024.
Flex Auto Loans
Rates as of Nov 6, 2024 ET.
LOAN TYPE | Up to 63 months With Autopay Discount |
64-72¹ months With Autopay Discount |
---|---|---|
2022—Newer | 7.740% APR* | 8.240% APR* |
2019—2021 | 8.490% APR* | 8.990% APR* |
*APR = Annual Percentage Rate. As low as rate based on 760+ Credit Score and Auto Pay. Floor rate of 7.990%. Additional Discounts Available
1. 64-72 mos available for loans >$20K
For 1.00% APR^ refinance auto loan discount: ^APR = Annual Percentage Rate is based on credit history, vehicle year and term of loan. For refinancing, proof of current rate required. Not applicable to current loans with Cinfed. Rate discount may not exceed 2% below the applicant's qualifying Cinfed rate, subject to floor limit of 6.74% APR. Floor rate for Flex Auto Loan is 7.74% APR. Subject to credit approval. Offer subject to change. Expires on October 15, 2024.
1. 64-72 mos available for loans >$20K
For 1.00% APR^ refinance auto loan discount: ^APR = Annual Percentage Rate is based on credit history, vehicle year and term of loan. For refinancing, proof of current rate required. Not applicable to current loans with Cinfed. Rate discount may not exceed 2% below the applicant's qualifying Cinfed rate, subject to floor limit of 6.74% APR. Floor rate for Flex Auto Loan is 7.74% APR. Subject to credit approval. Offer subject to change. Expires on October 15, 2024.
LOAN TYPE
2022—Newer
|
---|
Up to 63 months With Autopay Discount 7.740% APR* |
64-72¹ months With Autopay Discount 8.240% APR* |
LOAN TYPE
2019—2021
|
---|
Up to 63 months With Autopay Discount 8.490% APR* |
64-72¹ months With Autopay Discount 8.990% APR* |
*APR = Annual Percentage Rate. As low as rate based on 760+ Credit Score and Auto Pay. Floor rate of 7.990%. Additional Discounts Available
1. 64-72 mos available for loans >$20K
For 1.00% APR^ refinance auto loan discount: ^APR = Annual Percentage Rate is based on credit history, vehicle year and term of loan. For refinancing, proof of current rate required. Not applicable to current loans with Cinfed. Rate discount may not exceed 2% below the applicant's qualifying Cinfed rate, subject to floor limit of 6.74% APR. Floor rate for Flex Auto Loan is 7.74% APR. Subject to credit approval. Offer subject to change. Expires on October 15, 2024.
1. 64-72 mos available for loans >$20K
For 1.00% APR^ refinance auto loan discount: ^APR = Annual Percentage Rate is based on credit history, vehicle year and term of loan. For refinancing, proof of current rate required. Not applicable to current loans with Cinfed. Rate discount may not exceed 2% below the applicant's qualifying Cinfed rate, subject to floor limit of 6.74% APR. Floor rate for Flex Auto Loan is 7.74% APR. Subject to credit approval. Offer subject to change. Expires on October 15, 2024.
Boats, Motorcycles, RVs, Tractors
Rates as of Nov 6, 2024 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 |
85-96¹ months APR* as low as |
97+ months APR* as low as |
---|---|---|---|---|---|
N/A | 7.740% | 8.740% | 9.740% | 11.740% | 13.740% |
*APR= Annual Percentage Rate. As low as rate based on 760+ Credit Score and Auto Pay
1. 96 mos available for loans >$35K / 2. 108 mos available for loans >$50K / 3. 120 mos available for loans >$65K
1. 96 mos available for loans >$35K / 2. 108 mos available for loans >$50K / 3. 120 mos available for loans >$65K
LOAN TYPE
N/A
|
---|
Up to 63 months APR* as low as 7.740% |
64-75 months APR* as low as 8.740% |
76-84 months APR* as low as 9.740% |
85-96¹ months APR* as low as 11.740% |
97+ months APR* as low as 13.740% |
*APR= Annual Percentage Rate. As low as rate based on 760+ Credit Score and Auto Pay
1. 96 mos available for loans >$35K / 2. 108 mos available for loans >$50K / 3. 120 mos available for loans >$65K
1. 96 mos available for loans >$35K / 2. 108 mos available for loans >$50K / 3. 120 mos available for loans >$65K
General Loans
Rates as of Nov 6, 2024 ET.
ACCOUNT TYPE | MAXIMUM TERM | RATE (APR)* |
---|---|---|
Signature | 48 Months | As low as 11.490%¹ |
Signature | 60 Months | As low as 12.490%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 9.490% |
Ready Cash Account⁵ | Line of credit | As low as 11.490% |
30/60/90/180 Day Note | Up to 180 days | As low as 11.490% |
*APR= Annual Percentage Rate
1. As low as rate based on 760+ Credit Score and Auto pay for max term
2. 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 loan.
4. Max Term of 12 months.
5. Rate will vary; $5.00 overdraft transfer fee applies.
1. As low as rate based on 760+ Credit Score and Auto pay for max term
2. 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 loan.
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 11.490%¹ |
ACCOUNT TYPE
Signature
|
---|
MAXIMUM TERM 60 Months |
RATE (APR)* As low as 12.490%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 9.490% |
ACCOUNT TYPE
Ready Cash Account⁵
|
---|
MAXIMUM TERM Line of credit |
RATE (APR)* As low as 11.490% |
ACCOUNT TYPE
30/60/90/180 Day Note
|
---|
MAXIMUM TERM Up to 180 days |
RATE (APR)* As low as 11.490% |
*APR= Annual Percentage Rate
1. As low as rate based on 760+ Credit Score and Auto pay for max term
2. 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 loan.
4. Max Term of 12 months.
5. Rate will vary; $5.00 overdraft transfer fee applies.
1. As low as rate based on 760+ Credit Score and Auto pay for max term
2. 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 loan.
4. Max Term of 12 months.
5. Rate will vary; $5.00 overdraft transfer fee applies.
Commercial
Rates as of Nov 6, 2024 ET.
Contact Us For Current Commercial Loan Rates | PHONE NUMBER | |
---|---|---|
nsundrup@cinfed.com | 513-333-3894 |
Contact Us For Current Commercial Loan Rates |
---|
EMAIL nsundrup@cinfed.com |
PHONE NUMBER 513-333-3894 |
Savings
Rates as of Nov 6, 2024 ET.
Super Share** | APY* | DIVIDEND RATE |
---|---|---|
$1,000,000 and above | 3.25% | 3.20% |
$500,000 - $999,999 | 3.00% | 2.96% |
$100,000 - $499,999 | 2.75% | 2.71% |
$50,000 - $99,999 | 2.50% | 2.47% |
Below $50,000 | 2.25% | 2.22% |
Christmas Club | 0.05% | 0.05% |
Main Share | 0.05% | 0.05% |
Go Account | 0.05% | 0.05% |
Kasasa Saver | 2.25% | 2.22% |
Kasasa Saver Non-Qualified | 0.05% | 0.05% |
IRA Passbook | 0.50% | 0.49% |
*APY = Annual Percentage Yield
**You must maintain a balance of $2,000 in the Main Share account to qualify for a Super Share.
**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* 3.25% |
DIVIDEND RATE 3.20% |
Super Share**
$500,000 - $999,999
|
---|
APY* 3.00% |
DIVIDEND RATE 2.96% |
Super Share**
$100,000 - $499,999
|
---|
APY* 2.75% |
DIVIDEND RATE 2.71% |
Super Share**
$50,000 - $99,999
|
---|
APY* 2.50% |
DIVIDEND RATE 2.47% |
Super Share**
Below $50,000
|
---|
APY* 2.25% |
DIVIDEND RATE 2.22% |
Super Share**
Christmas Club
|
---|
APY* 0.05% |
DIVIDEND RATE 0.05% |
Super Share**
Main Share
|
---|
APY* 0.05% |
DIVIDEND RATE 0.05% |
Super Share**
Go Account
|
---|
APY* 0.05% |
DIVIDEND RATE 0.05% |
Super Share**
Kasasa Saver
|
---|
APY* 2.25% |
DIVIDEND RATE 2.22% |
Super Share**
Kasasa Saver Non-Qualified
|
---|
APY* 0.05% |
DIVIDEND RATE 0.05% |
Super Share**
IRA Passbook
|
---|
APY* 0.50% |
DIVIDEND RATE 0.49% |
*APY = Annual Percentage Yield
**You must maintain a balance of $2,000 in the Main Share account to qualify for a Super Share.
**You must maintain a balance of $2,000 in the Main Share account to qualify for a Super Share.
Ohio Homebuyer Plus Rates
Rates as of Nov 6, 2024 ET.
BALANCE | APY* | RATE |
---|---|---|
$0 - $10,000 | 10.00% | 9.56% |
$10,000.01 - $100,000 | 5.00% | 4.88% |
$100,000.01 and above | 0.05% | 0.05% |
*APY = Annual Percentage Yield. This is a variable rate account. Requirements for Ohio Homebuyer Plus account must be met as noted and defined by Treasurer of the State of Ohio. One per member. Minimum $105 opening deposit; maximum $100,000 deposit.
BALANCE
$0 - $10,000
|
---|
APY* 10.00% |
RATE 9.56% |
BALANCE
$10,000.01 - $100,000
|
---|
APY* 5.00% |
RATE 4.88% |
BALANCE
$100,000.01 and above
|
---|
APY* 0.05% |
RATE 0.05% |
*APY = Annual Percentage Yield. This is a variable rate account. Requirements for Ohio Homebuyer Plus account must be met as noted and defined by Treasurer of the State of Ohio. One per member. Minimum $105 opening deposit; maximum $100,000 deposit.
Health Savings Account (HSA)
Rates as of Nov 6, 2024 ET.
ACCOUNT TYPE | APY* | DIVIDEND RATE |
---|---|---|
Health Savings Main Share | 0.05% | 0.05% |
Health Savings Account Checking (HSA) | 2.00% | 1.98% |
*APY = Annual Percentage Yield
ACCOUNT TYPE
Health Savings Main Share
|
---|
APY* 0.05% |
DIVIDEND RATE 0.05% |
ACCOUNT TYPE
Health Savings Account Checking (HSA)
|
---|
APY* 2.00% |
DIVIDEND RATE 1.98% |
*APY = Annual Percentage Yield
Checking
Rates as of Nov 6, 2024 ET.
ACCOUNT TYPE | APY* | DIVIDEND RATE | Minimum Balance |
---|---|---|---|
Kasasa Cash® Up to $20,000 |
3.00% | 2.96% | No minimum balance |
Kasasa Cash® Over $20,000 |
0.50% | 0.49% | 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 3.00%; and balances over $20,000 receive APY of 0.50% on the portion of balance over $20,000, resulting in a range from 3.00% to 0.92% 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 2.25% APY. If Kasasa Cash or Cash Back qualifications are not met, the balance in the Kasasa Saver earns 0.05% APY. Limit one Kasasa checking & saver per social security number.
ACCOUNT TYPE
Kasasa Cash®
Up to $20,000 |
---|
APY* 3.00% |
DIVIDEND RATE 2.96% |
Minimum Balance No minimum balance |
ACCOUNT TYPE
Kasasa Cash®
Over $20,000 |
---|
APY* 0.50% |
DIVIDEND RATE 0.49% |
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 3.00%; and balances over $20,000 receive APY of 0.50% on the portion of balance over $20,000, resulting in a range from 3.00% to 0.92% 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 2.25% APY. If Kasasa Cash or Cash Back qualifications are not met, the balance in the Kasasa Saver earns 0.05% APY. Limit one Kasasa checking & saver per social security number.
Credit Cards¹
Rates as of Nov 6, 2024 ET.
Card Type | Rate (APR)² |
---|---|
Cinfed Essentials Mastercard | 11.650% - 18.000% |
Cinfed Platinum Mastercard | 13.650% - 18.000% |
Cinfed World Mastercard | 16.490% - 18.000% |
Cinfed Mastercard Businesscard | 14.150% - 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.
2. APR = Annual Percentage Rate; Rates may vary; Annual Percentage Rate is based on credit history.
Card Type
Cinfed Essentials Mastercard
|
---|
Rate (APR)² 11.650% - 18.000% |
Card Type
Cinfed Platinum Mastercard
|
---|
Rate (APR)² 13.650% - 18.000% |
Card Type
Cinfed World Mastercard
|
---|
Rate (APR)² 16.490% - 18.000% |
Card Type
Cinfed Mastercard Businesscard
|
---|
Rate (APR)² 14.150% - 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.
2. APR = Annual Percentage Rate; Rates may vary; Annual Percentage Rate is based on credit history.