Cinfed Savings and Investments

Lock in your best Rate
Certificate rates, with the exception of the Smart30, are available for Regular, HSA, and IRA investments with a minimum deposit of $500.00

Certificate Accounts

Available Terms APY Dividend Rate
3 months 0.40% 0.40%
6 months 0.50% 0.50%
12 months 0.60% 0.60%
24 months 0.70% 0.70%
36 months 0.80% 0.80%
48 months 0.90% 0.90%
60 months 1.00% 1.00%
Smart30** 0.85% 0.85%
Jumbo Rate Special Bonus of .15% on Certificates with a balance of $50,000.00 or greater for 24 months and longer terms.
*APY= Annual Percentage Yield.
**Smart30 term is 30 months. One Smart30 per member. One time penalty-free withdrawal is available. Maximum deposit is $20,000. There is a waiting period of 6 months to open a new Smart30 after closing one prior to maturity

Savings Accounts

APY* Dividend Rate
Super Share**

$1,000,000 and above

0.70% 0.70%

$500,000 - $999,999

0.50% 0.50%

$100,000 - $499,999

0.30% 0.30%

$50,000 - $99,999

0.20% 0.20%

Below $50,000

0.10% 0.10%
Christmas Club 0.05% 0.05%
Main Share 0.05% 0.05%
Go Account 0.05% 0.05%
Kasasa Saver 0.30% 0.30%


0.05% 0.05%
IRA Passbook 0.20% 0.20%
Health Savings Account (HSA) 0.20% 0.20%
*APY = Annual Percentage Yield **You must maintain a balance of $2,000 in the Main Share account to qualify for a Super Share.

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Rates accurate as of Tuesday, Oct 20, 2020


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
I met Emily Snyder because I had a flat tire in the parking lot of Cinfed Credit Union. I didn’t know what to do and she offered to help me. It was late in the evening and I didn’t think anyone... 
— Cindy Hyatt
Emily Snyder took care of setting up a consolidation loan for me on Saturday. She was very friendly, professional, and explained very articulately all the steps involved. Emily also opened a new... 
— Sally A Arbogast

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