15-Month Certificate*
Rates as of Oct 2, 2023 ET.
TIERS | APY* | RATE |
---|---|---|
Below $50,000 | 4.500% | 4.426% |
$50,000 - $99,999 | 4.750% | 4.668% |
$100,000 and above | 5.000% | 4.909% |
*APY: Annual Percentage Yield. $500 minimum deposit required to open account; must be at least 50% new money (money not currently on deposit with Cinfed). APY is determined based on the amount deposited at certificate opening; 4.50% APY for balances below $49,999.99, 4.75% APY for balances between $50,000.00 - $99,999.99, and 5.00% APY for balances of $100,000.00 or more. Standard restrictions and penalties for early withdrawal apply. After 15-month term expires, account will auto-renew for 12 months at the rate in effect at time of renewal. Rates are subject to change. Available for a limited time only.
TIERS
Below $50,000
|
---|
APY* 4.500% |
RATE 4.426% |
TIERS
$50,000 - $99,999
|
---|
APY* 4.750% |
RATE 4.668% |
TIERS
$100,000 and above
|
---|
APY* 5.000% |
RATE 4.909% |
*APY: Annual Percentage Yield. $500 minimum deposit required to open account; must be at least 50% new money (money not currently on deposit with Cinfed). APY is determined based on the amount deposited at certificate opening; 4.50% APY for balances below $49,999.99, 4.75% APY for balances between $50,000.00 - $99,999.99, and 5.00% APY for balances of $100,000.00 or more. Standard restrictions and penalties for early withdrawal apply. After 15-month term expires, account will auto-renew for 12 months at the rate in effect at time of renewal. Rates are subject to change. Available for a limited time only.
Certificates
Rates as of Oct 2, 2023 ET.
AVAILABLE TERMS | APY* | RATE |
---|---|---|
3 Months | 3.250% | 3.211% |
6 Months | 3.750% | 3.698% |
12 Months | 4.200% | 4.135% |
24 Months | 4.200% | 4.135% |
36 Months | 4.200% | 4.135% |
48 Months | 4.200% | 4.135% |
60 Months | 4.200% | 4.135% |
Smart30** | 4.250% | 4.184% |
Jumbo Rate Special | 15 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.
**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* 3.250% |
RATE 3.211% |
AVAILABLE TERMS
6 Months
|
---|
APY* 3.750% |
RATE 3.698% |
AVAILABLE TERMS
12 Months
|
---|
APY* 4.200% |
RATE 4.135% |
AVAILABLE TERMS
24 Months
|
---|
APY* 4.200% |
RATE 4.135% |
AVAILABLE TERMS
36 Months
|
---|
APY* 4.200% |
RATE 4.135% |
AVAILABLE TERMS
48 Months
|
---|
APY* 4.200% |
RATE 4.135% |
AVAILABLE TERMS
60 Months
|
---|
APY* 4.200% |
RATE 4.135% |
AVAILABLE TERMS
Smart30**
|
---|
APY* 4.250% |
RATE 4.184% |
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 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.
**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.
18-Month Bump Up Certificate* (Special Ended 12/31/22)
Rates as of Oct 2, 2023 ET.
AVAILABLE TERM | APY* | RATE |
---|---|---|
2022 Certificate Bump Up | 4.500% | 4.426% |
* APY = Annual Percentage Yield. Bump Up Certificate Special ended on 12/31/22 and is no longer available for new issue. 2022 Bump Up Certificate owners must initiate bump request. Request can be submitted in person, by email, mail or digital banking message. New dividend rate and APY will be in effect for the remainder of the term. After 18-month term expires, account will auto-renew for 12 months at the rate in effect at time of renewal.
AVAILABLE TERM
2022 Certificate Bump Up
|
---|
APY* 4.500% |
RATE 4.426% |
* APY = Annual Percentage Yield. Bump Up Certificate Special ended on 12/31/22 and is no longer available for new issue. 2022 Bump Up Certificate owners must initiate bump request. Request can be submitted in person, by email, mail or digital banking message. New dividend rate and APY will be in effect for the remainder of the term. After 18-month term expires, account will auto-renew for 12 months at the rate in effect at time of renewal.
Conventional Mortgage Rates¹
Rates as of Oct 2, 2023 ET.
TERM | RATE AS LOW AS | APR* |
---|---|---|
30 year | 7.125% | 7.190% |
20 year | 7.000% | 7.188% |
15 year | 6.750% | 6.851% |
10 year | 6.750% | 6.859% |
7 year | N/A | N/A |
5 year | N/A | N/A |
*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.
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.
TERM
30 year
|
---|
RATE AS LOW AS 7.125% |
APR* 7.190% |
TERM
20 year
|
---|
RATE AS LOW AS 7.000% |
APR* 7.188% |
TERM
15 year
|
---|
RATE AS LOW AS 6.750% |
APR* 6.851% |
TERM
10 year
|
---|
RATE AS LOW AS 6.750% |
APR* 6.859% |
TERM
7 year
|
---|
RATE AS LOW AS N/A |
APR* N/A |
TERM
5 year
|
---|
RATE AS LOW AS N/A |
APR* N/A |
*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.
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.
Adjustable Mortgage Rates¹
Rates as of Oct 2, 2023 ET.
TERM | RATE AS LOW AS | APR* |
---|---|---|
5 Year ARM² (First Time Homebuyer) | 7.375% | 8.634% |
7 year ARM | N/A | N/A |
1 year ARM | N/A | N/A |
3 year ARM | 7.125% | 8.287% |
5 year ARM | 7.250% | 8.508% |
*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.
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.
TERM
5 Year ARM² (First Time Homebuyer)
|
---|
RATE AS LOW AS 7.375% |
APR* 8.634% |
TERM
7 year ARM
|
---|
RATE AS LOW AS N/A |
APR* N/A |
TERM
1 year ARM
|
---|
RATE AS LOW AS N/A |
APR* N/A |
TERM
3 year ARM
|
---|
RATE AS LOW AS 7.125% |
APR* 8.287% |
TERM
5 year ARM
|
---|
RATE AS LOW AS 7.250% |
APR* 8.508% |
*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.
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.
Home Equity Line of Credit¹
Rates as of Oct 2, 2023 ET.
Rate as low as 8.000% 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 8.000% 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 Oct 2, 2023 ET.
LOAN TYPE | Up to 63 months With Autopay Discount |
64-72¹ months With Autopay Discount |
76-84² months With Autopay Discount |
---|---|---|---|
2021—Newer | 6.740% APR* | 7.240% APR* | 7.990% APR* |
2018—2020 | 7.240% APR* | 7.990% APR* | 8.740% APR* |
2017 & Older | 8.240% APR* | N/A | N/A |
*APR = Annual Percentage Rate. As low as rate based on 760+ Credit Score and Auto Pay. Floor rate of 6.240%. Additional Discounts Available
1. 64-75 mos available for loans >$20K / 2. 76-84 mos available for loans >$25K
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 6.740% APR* |
64-72¹ months With Autopay Discount 7.240% APR* |
76-84² months With Autopay Discount 7.990% APR* |
LOAN TYPE
2018—2020
|
---|
Up to 63 months With Autopay Discount 7.240% APR* |
64-72¹ months With Autopay Discount 7.990% APR* |
76-84² months With Autopay Discount 8.740% APR* |
LOAN TYPE
2017 & Older
|
---|
Up to 63 months With Autopay Discount 8.240% APR* |
64-72¹ 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 6.240%. Additional Discounts Available
1. 64-75 mos available for loans >$20K / 2. 76-84 mos available for loans >$25K
1. 64-75 mos available for loans >$20K / 2. 76-84 mos available for loans >$25K
Flex Auto Loans
Rates as of Oct 2, 2023 ET.
LOAN TYPE | Up to 63 months With Autopay Discount |
64-72¹ months With Autopay Discount |
---|---|---|
2021—Newer | 7.740% APR* | 8.240% APR* |
2018—2020 | 8.240% APR* | 8.990% APR* |
*APR = Annual Percentage Rate. As low as rate based on 760+ Credit Score and Auto Pay. Floor rate of 7.240%. Additional Discounts Available
1. 64-72 mos available for loans >$20K
1. 64-72 mos available for loans >$20K
LOAN TYPE
2021—Newer
|
---|
Up to 63 months With Autopay Discount 7.740% APR* |
64-72¹ months With Autopay Discount 8.240% APR* |
LOAN TYPE
2018—2020
|
---|
Up to 63 months With Autopay Discount 8.240% 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 7.240%. Additional Discounts Available
1. 64-72 mos available for loans >$20K
1. 64-72 mos available for loans >$20K
Boats, Motorcycles, RVs, Tractors
Rates as of Oct 2, 2023 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 |
97+ months APR* as low as |
---|---|---|---|---|---|
N/A | 7.240% | 8.240%¹ | 9.240% | 11.240% | 13.240% |
*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 7.240% |
64-75 months APR* as low as 8.240%¹ |
76-84 months APR* as low as 9.240% |
85-96 months APR* as low as 11.240% |
97+ months APR* as low as 13.240% |
*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 Oct 2, 2023 ET.
ACCOUNT TYPE | MAXIMUM TERM | RATE (APR)* |
---|---|---|
Signature | 48 Months | As low as 10.990%¹ |
Signature | 60 Months | As low as 11.990%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 9.490% |
Ready Cash Account⁵ | Line of credit | As low as 10.990% |
30/60/90/180 Day Note | Up to 180 days | As low as 10.990% |
*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.
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 10.990%¹ |
ACCOUNT TYPE
Signature
|
---|
MAXIMUM TERM 60 Months |
RATE (APR)* As low as 11.990%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 9.490% |
ACCOUNT TYPE
Ready Cash Account⁵
|
---|
MAXIMUM TERM Line of credit |
RATE (APR)* As low as 10.990% |
ACCOUNT TYPE
30/60/90/180 Day Note
|
---|
MAXIMUM TERM Up to 180 days |
RATE (APR)* As low as 10.990% |
*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.
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 Oct 2, 2023 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 Oct 2, 2023 ET.
Super Share* | APY* | DIVIDEND RATE |
---|---|---|
$1,000,000 and above | 3.500% | 3.445% |
$500,000 - $999,999 | 3.250% | 3.203% |
$100,000 - $499,999 | 3.000% | 2.960% |
$50,000 - $99,999 | 2.500% | 2.472% |
Below $50,000 | 2.250% | 2.227% |
Christmas Club | 0.050% | 0.050% |
Main Share | 0.050% | 0.050% |
Go Account | 0.050% | 0.050% |
Kasasa Saver | 2.250% | 2.227% |
Kasasa Saver Non-Qualified | 0.050% | 0.050% |
IRA Passbook | 0.500% | 0.499% |
*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* 3.500% |
DIVIDEND RATE 3.445% |
Super Share*
$500,000 - $999,999
|
---|
APY* 3.250% |
DIVIDEND RATE 3.203% |
Super Share*
$100,000 - $499,999
|
---|
APY* 3.000% |
DIVIDEND RATE 2.960% |
Super Share*
$50,000 - $99,999
|
---|
APY* 2.500% |
DIVIDEND RATE 2.472% |
Super Share*
Below $50,000
|
---|
APY* 2.250% |
DIVIDEND RATE 2.227% |
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* 2.250% |
DIVIDEND RATE 2.227% |
Super Share*
Kasasa Saver Non-Qualified
|
---|
APY* 0.050% |
DIVIDEND RATE 0.050% |
Super Share*
IRA Passbook
|
---|
APY* 0.500% |
DIVIDEND RATE 0.499% |
*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.
Health Savings Account (HSA)
Rates as of Oct 2, 2023 ET.
ACCOUNT TYPE | APY* | DIVIDEND RATE |
---|---|---|
Health Savings Account (HSA) | 0.50% | 0.50% |
*APY = Annual Percentage Yield
ACCOUNT TYPE
Health Savings Account (HSA)
|
---|
APY* 0.50% |
DIVIDEND RATE 0.50% |
*APY = Annual Percentage Yield
Checking
Rates as of Oct 2, 2023 ET.
ACCOUNT TYPE | APY* | DIVIDEND RATE | Minimum Balance |
---|---|---|---|
Kasasa Cash® Up to $20,000 |
3.000% | 2.960% | No minimum balance |
Kasasa Cash® Over $20,000 |
0.500% | 0.499% | 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 Saver per social security number.
ACCOUNT TYPE
Kasasa Cash®
Up to $20,000 |
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APY* 3.000% |
DIVIDEND RATE 2.960% |
Minimum Balance No minimum balance |
ACCOUNT TYPE
Kasasa Cash®
Over $20,000 |
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APY* 0.500% |
DIVIDEND RATE 0.499% |
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 Saver per social security number.
Credit Cards¹
Rates as of Oct 2, 2023 ET.
Card Type | Rate (APR)² |
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Cinfed Essentials Mastercard | 12.150% - 18.000% |
Cinfed Platinum Mastercard | 14.150% - 18.000% |
Cinfed World Mastercard | 16.990% - 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
|
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Rate (APR)² 12.150% - 18.000% |
Card Type
Cinfed Platinum Mastercard
|
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Rate (APR)² 14.150% - 18.000% |
Card Type
Cinfed World Mastercard
|
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Rate (APR)² 16.990% - 18.000% |
Card Type
Cinfed Mastercard Businesscard
|
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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.