Cinfed Works | Cincinnati Public Schools

The Cinfed Difference

Since 1934, we’ve been helping people and businesses across the Tristate. These deep roots are just the beginning of the Cinfed Difference.  

• Local focus. Every employee, from teller to CEO, lives here — so we’re always thinking local.
• Safe & secure. Cinfed insures up to $1.25 million of individual deposits — that’s $1 million more than traditional banks.
• Member owned. As a credit union, everyone who has an account here is a part-owner: earnings can go back into things like better rates and lower fees

Here's how you can start taking advantage of Cinfed's partnership with CPS today:

First, Become A Member!

• Apply now here using the "WORKPLACE" code.
• Earn 6% APY with Summit Checking (up to $600 per year), plus enjoy direct deposit, early pay, and more.*

Lower Your Interest, Simplify Your Payments.

• Earn 0% interest for 12 months on purchases and balance transfers within the first 90 days of card opening.¹
• Apply for your Cinfed Platinum Mastercard® to get access to this special offer, exclusive to CPS employees!

Shopping For A New Car Or Refinancing?

• Save with a 1% APR² discount off the qualified Cinfed rate (purchase or refinance).
• Defer your first Cinfed auto loan payment up to 90 days.³

Searching For A New Home Or Renovating?

• HELOC (Home Equity Line of Credit): 1% APR⁴ introductory rate discount for your first 12 months.
• Mortgages: Save up to $500 in closing costs with your Cinfed mortgage.⁵

Enrolled In A High-Deductible Health Plan Through CPS?

• Apply for an HSA (Health Savings Account) through Cinfed and use funds for qualified medical, dental, and vision expenses.
• Earn a competitive 2.00% APY* on your full balance — completely free with no minimum requirement!

Already Have An HSA With Another Financial Institution?

• It's easy to transfer an existing HSA balance! Simply open your new Cinfed account and complete this online transfer form.
• Check out our how-to guide for a step-by-step process of an HSA transfer.

1. Cinfed Platinum Mastercard: Introductory APR for Purchases and Balance Transfers. Purchases and balance transfers made within the first 90 days from account opening will receive a promotional introductory rate of 0.00% for 12 months. After the 12-month introductory period, you will be charged your qualifying rate. The APR will vary with the market based on the Prime Rate.

2. Auto Loans. APR = Annual Percentage Rate. Rate will be based on credit score and loan-to-value (LTV). Subject to credit approval. Other qualifications may apply. Rate not to go below floor rate. For new or refinanced auto loans. Not applicable to current loans with Cinfed. Loan application must be submitted at Cinfed.com or in branch by 12/31/2026. Promotional code “WORKPLACE” must be included with application.

3. The first payment after the 90-day no-payment period will first be applied to the interest accrued from the date the loan was funded through to the first payment date and then applied to the principal due. Offer does not apply to Flex Auto Loans.

4. Home Equity Lines of Credit. APR = Annual Percentage Rate. Rate will be based on credit score and loan-to-value (LTV). Subject to credit approval. Applications processed by 12/31/2026 will receive fixed rate for 12 months. Not applicable to current loans with Cinfed. Other qualifications may apply. Loan application must be submitted at Cinfed.com or in branch by 12/31/2026. Promotional code “WORKPLACE” must be included with application.

5. $500 Lender Credit. Up to $500 lender credit toward closing costs. Lender credit reflected on the Loan Estimate and Closing Disclosure. New or refinanced mortgage loans only. Subject to credit approval. The loan application must be submitted at Cinfed.com or at a branch by 12/31/2026. The rate will increase based on the credit score and loan-to-value (LTV). Other qualifications may apply. The promotional code “WORKPLACE” must be included with the application.