Credit union · NCUA insured
Cinfed Credit Union CD Rates
Top CarrotCinfed Credit Union’s best CD rate is 4.50% APY on a 45-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Cinfed Credit Union’s CD rates compare
Compared with banks and credit unions near Cincinnati, OH-KY-IN, where Cinfed Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Cinfed Credit Union
4.50%APY
- Term
- 45 months
- Minimum
- $500
- Earns on $10,000
- $1,795
45 Month 450 Certificate
Top rate
Peoples Exchange Bank
4.50%APY
- Term
- 13 months
- Minimum
- —
- Earns on $10,000
- $488
2nd-highest rate
Community Savings Bank
4.50%APY
- Term
- 36 months
- Minimum
- $5,000
- Earns on $10,000
- $1,412
Cinfed Credit Union CD score
91
CD score
Higher than 91% of U.S. banks and credit unions
- 3–8 months3–8 mo3.95%
- 9–15 months9–15 mo4.00%
- 16–30 months16–30 mo4.20%
- 31–60 months31–60 mo4.20%
- QualifiedQualified4.20%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Cinfed Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
45 Month 450 Certificate
4.50%APY · 1 term
$500 minimum deposit required to open account; deposit must be at least 50% new money (money not currently on deposit with Cinfed). Standard restrictions and penalties for early withdrawal apply. After 45-month term expires, account will auto-renew for 48 months at the rate in effect at time of renewal. Certificates opened online must be funded within 15 days. Certificates opened in branch must be funded same day. Dividends will accrue as of the date funding is received; Rates are subject to change. Available for a limited time only.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 45 months$500 minimum deposit required to open account; deposit must be at least 50% new money (money not currently on deposit with Cinfed). Standard restrictions and penalties for early withdrawal apply. After 45-month term expires, account will auto-renew for 48 months at the rate in effect at time of renewal. Certificates opened online must be funded within 15 days. Certificates opened in branch must be funded same day. Dividends will accrue as of the date funding is received; Rates are subject to change. Available for a limited time only | 4.50% | $1,795 |
Sources (2)
All captured Oct 16, 2026
Smart30 Certificates
4.20%APY · 1 term
Minimum $50 opening deposit. One per member. Only one penalty-free withdrawal. Maximum deposit of $20,000. Member must wait 6 months to open a new Smart30 after closing one prior to maturity. Not available on IRA/HSA accounts.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 30 monthsMinimum $50 opening deposit. One per member. Only one penalty-free withdrawal. Maximum deposit of $20,000. Member must wait 6 months to open a new Smart30 after closing one prior to maturity. Not available on IRA/HSA accounts | 4.20% | $1,083 |
Sources (2)
- cinfed.com/checking/personal-c…king/basic-checking.html
- cinfed.com/savings/certificate…mart30-certificates.html
All captured Oct 16, 2026
Standard Certificates
Up to 4.20%APY · 7 terms
Minimum $500 deposit for standard certificates. Early withdrawals subject to penalty. Jumbo Rate Bonus: Enjoy a 0.15% (15 basis points) bonus on certificates with a balance of $50,000 or greater for 24 months and longer terms.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 3.90% | $96 |
| 6 months | 3.95% | $196 |
| 12 months | 4.00% | $400 |
| 24 months | 4.05% | $826 |
| 36 months | 4.10% | $1,281 |
| 48 months | 4.15% | $1,766 |
| 60 months | 4.20% | $2,284 |
Peak Certificate
4.10%APY · 1 term
$500 minimum deposit required to open account; deposit must be at least 50% new money (money not currently on deposit with Cinfed). Standard restrictions and penalties for early withdrawal apply. After 18-month term expires, account will auto-renew for 12 months at the rate in effect at time of renewal. Not available for IRA/HSA accounts. Available for a limited time only.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 18 months$500 minimum deposit required to open account; deposit must be at least 50% new money (money not currently on deposit with Cinfed). Standard restrictions and penalties for early withdrawal apply. After 18-month term expires, account will auto-renew for 12 months at the rate in effect at time of renewal. Not available for IRA/HSA accounts | 4.10% | $621 |
Sources (2)
All captured Sep 17, 2026
Special-purpose accounts
Legacy Certificate
4.20%APY · 1 term
Minor account opened in the young person's name (age 17 or younger). One per minor child. Minimum opening deposit $50. Cinfed will match a one-time $50 opening deposit. Can make additional deposits until maturity date. Monthly transfer required; 18-month term. Automatic renewal to an 18-month certificate. Only available on General Membership, Custodian, and UGMA/UTMA accounts. All other terms identical to standard certificates.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 18 monthsOne per minor child. Minimum opening deposit $50. Cinfed will match a one-time $50 opening deposit. Can make additional deposits until maturity date. Monthly transfer required; 18-month term. Only available on General Membership, Custodian, and UGMA/UTMA accounts | 4.20% | $637 |
Sources (2)
- cinfed.com/checking/personal-c…king/basic-checking.html
- cinfed.com/savings/certificates/legacy-certificate.html
All captured Oct 16, 2026
Who can join Cinfed Credit Union
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.
Membership information collected October 5, 2026.