Cinfed Savings and Investments

SmartChoose from a wide variety of terms to suit your investment needs.

Certificate Accounts, Traditional, Education & Roth IRAs


Regular Certificates

Months Dividend Rate APY*  
3 Months 1.49% 1.50%  
6 Months 1.79% 1.80%  
12 Months 2.08% 2.10%  
24 Months 2.33% 2.35%   
36 Months 2.57% 2.60%  
48 Months 2.82% 2.85%  
60 Months 3.06% 3.10%  
Certificate rates, with the exception of the Smart30, are available for Regular, HSA and IRA investments with a minimum deposit of $500. Penalty for early withdrawal.  

Smart30 2.97% 3.00%  
A Smart30 is a twist on a traditional certificate. Minimum opening deposit of $50. Additional deposits can be made to the Smart30 (even through Direct Deposit.) 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. It's the smart way to start saving money.  
Jumbo Rate Special  
Bonus of .10% on Certificates with a balance of $50,000.00 or greater.  
*Annual Percentage Yields are subject to change at anytime.  
For updated rate information, contact our Membership Department at: (513)333-3883 or 3800.  
Federally insured by NCUA up to $250,000. Deposits in excess of $250,000 are covered by Cinfed through ESI Corporation for a total up to $500,000.  

Savings Accounts from Cinfed

  Dividend Rate APY*
Super Share**
$100,000 and above 1.39% 1.40%
$50,000 - $99,999 1.14% 1.15%
Below $50,000 0.90% 0.90%
Christmas Club 0.05% 0.05%
Main Share 0.05% 0.05%
Go Account 0.05% 0.05%
Kasasa Saver    
Up to $20,000 1.00% 1.00%
Over $20,000 0.50% 0.50%
Non-Qualified 0.05% 0.05%
IRA Passbook 0.50% 0.50%
Health Savings Accounts (HSA) 0.50% 0.50%


* APY=Annual Percentage Yield.

** You must maintain a balance of $2,000 in the Main Share account to qualify for a Super Share.
Federally insured by NCUA up to $250,000. Deposits in excess of $250,000 are covered by Cinfed through ESI Corporation for a total up to $500,000.

Rates accurate as of Wednesday, Mar 20, 2019


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
Just closed on a Home Equity line of credit loan, and the process couldn't have been any easier. With this I was able to pay off 2 high interest credit cards and deposited the rest into a checking... 
— Thomas
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
As a long time member, I have always received great service from all CinFed employees. I just wanted to say a special thank you to Dee Dee Day and Dawn Strickland. I had to make some changes to... 
— John-Member since 1990
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

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