Credit union · NCUA insured
Cinfed Credit Union Credit Card Rates
Top CarrotCinfed Credit Union credit card rates start at 10.65% APR. Rates checked October 16, 2026.
How Cinfed Credit Union’s credit card rates compare
Compared with banks and credit unions near Cincinnati, OH-KY-IN, where Cinfed Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Cinfed Credit Union
– –
- Up to
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No ongoing APR published
Lowest rate
Whitewater Community Credit Union
7.90%APR
- Up to
- 9.90% APR
2nd-lowest rate
Christian Family Credit Union
8.90%APR
- Up to
- —
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
Cinfed Essentials Mastercard
Credit card rate determined at account opening based on creditworthiness. After account opening, rate varies with the market based on the Prime Rate. Annual fees may apply based on credit history.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 6.99% | None | Introductory rate of 6.99% APR for 6 months from activation date on purchases. Valid only for credit scores 650 and above; subject to final credit approval. Contractual rate applies thereafter. |
| Ongoing | 10.65%–18.00% | None | Ongoing contractual purchase APR determined at account opening based on creditworthiness; variable rate adjusts with the market based on the Prime Rate. Annual fees may apply based on credit history. |
Cinfed Platinum Mastercard
Credit card rate determined at account opening based on creditworthiness. After account opening, rate varies with the market based on the Prime Rate. Annual fee may apply based on credit history.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 6.99% | None | Introductory rate of 6.99% APR for 6 months from activation date on purchases. Valid only for credit scores 650 and above; subject to final credit approval. Contractual rate applies thereafter. |
| Ongoing | 12.65%–18.00% | None | Same rate applies across transactions for purchases, balance transfers, and cash advances. Rate determined at account opening based on creditworthiness; varies with the market based on the Prime Rate. Annual fee may apply based on credit history. |
Cinfed Secured Mastercard
Applicant must be age 18 or older and cannot have had any previous losses with Cinfed or be in active bankruptcy. Subject to deposit of card limit (minimum $300) plus 10% into savings account. Credit card rate determined at account opening based on creditworthiness; afterwards rate will vary with the market based on the Prime Rate. Annual fee of $25 applies for credit scores of 650 or lower.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 12.65%–18.00% | $25 | Applicant must be age 18 or older, not in active bankruptcy, and have no previous losses with Cinfed. Requires security deposit of card limit (minimum $300) plus 10% into savings account. Rate determined at account opening based on creditworthiness; varies with the market based on the Prime Rate. Annual fee of $25 applies for credit scores of 650 or lower. |
Cinfed World Mastercard
Credit card rate determined at account opening based on creditworthiness. After account opening, rate varies with the market based on the Prime Rate. Annual fee may apply based on credit history.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 15.49%–18.00% | None | Same rate applies across transactions for purchases, balance transfers, and cash advances. Rate determined at account opening based on creditworthiness; varies with the market based on the Prime Rate. Annual fee may apply based on credit history. |
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.