Credit union · NCUA insured
Cinfed Credit Union
Top CarrotA $856.9M credit union headquartered in Cincinnati, OH, with 38,665 members and 7 branches in 2 states. Best rates: CDs 4.50% and savings 2.00% APY.
Cinfed Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 91% of U.S. banks and credit unions
#3 of 58 in Cincinnati, OH-KY-IN metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Cinfed Credit Union
Cinfed Credit Union is headquartered in Cincinnati, Ohio, and serves the Tri-State area across designated counties in Kentucky, Ohio, and Indiana.
The credit union has been providing financial services to the Tri-State region for more than 90 years, serving the community since 1934.
- Headquarters
- 4801 Kennedy Avenue, Cincinnati, OH 45209
- NCUA charter
- 21930
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to individuals who live, work, worship, go to school, or regularly do business in specified Tri-State counties across Kentucky, Ohio, and Indiana.
Branches
7 branches in 2 states
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Ohio
5 branches
- Oakley Corporate HeadquartersMain office4801 Kennedy Avenue, Cincinnati, OH 45209Directions
- Colerain Branch3688 Springdale Rd, Cincinnati, OH 45251Directions
- East (Jungle Jim's)4450 Eastgate Blvd Spc No255, Cincinnati, OH 45245Directions
- Glenway Crossing Branch5147 Glencrossing Way, Cincinnati, OH 45238Directions
- Roselawn7661 Reading Rd, Cincinnati, OH 45237Directions
Kentucky
2 branches
- Florence Office7170 Turfway Rd, Florence, KY 41042Directions
- Ft. Wright Office15 George Huser Dr, Fort Wright, KY 41011Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 11.56% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.30% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.85% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $99 | $76 | — |
- CapitalNet worth ratio11.56%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.30%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.85%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$99Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Cinfed Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.