Credit union · NCUA insured
Cinfed Credit Union Savings Rates
Top CarrotCinfed Credit Union’s best savings rate is 2.00% APY on $10,000, with its Super Share. Rates checked October 16, 2026.
How Cinfed Credit Union’s savings 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
2.00%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $200
SaverPlus
Top rate
General Electric Credit Union
4.25%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $425
2nd-highest rate
CFBank
4.25%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $425
Cinfed Credit Union savings score
89
Savings score
Higher than 90% of U.S. banks and credit unions
- $1,000 balance$1,0002.00%
- $10,000 balance$10,0002.00%
- $100,000 balance$100,0002.50%
- QualifiedQualified2.00%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Ohio Homebuyer Plus
10.00%APY
Variable rate account. Requirements defined by Treasurer of the State of Ohio must be met. Account holder must be Ohio resident age 18+, primary residence in Ohio, funds used for down payment or closing costs of home purchase in Ohio. One per member. Minimum $505 opening deposit; maximum $100,000 deposit.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $10,000 | 10.00% | $1,000 |
| $10,000 – $100,000 | 5.00% | — |
| Over $100,000 | 0.05% | — |
Super Share
2.00%APY
Must maintain a balance of $2,000 in the Main Share account to qualify for a Super Share.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $50,000 | 2.00% | $200 |
| $50,000 – $99,999 | 2.25% | — |
| $100,000 – $499,999 | 2.50% | — |
| $500,000 – $999,999 | 2.75% | — |
| $1,000,000 and up | 3.00% | — |
Sources (2)
All captured Oct 6, 2026
SaverPlus
Up to 2.00%APY
Summit High Yield or Cash Back Checking required to have a SaverPlus. Limit one SaverPlus per social security number. No monthly maintenance fee.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceQualifying rate: met qualifications in Summit High Yield or Cash Back Checking during monthly qualification cycle (at least 12 debit card transactions, enrolled in and review eStatements, enrolled in and log into online banking).Any balance | 2.00% | $200 | Qualifying rate: met qualifications in Summit High Yield or Cash Back Checking during monthly qualification cycle (at least 12 debit card transactions, enrolled in and review eStatements, enrolled in and log into online banking). |
| Any balanceNon-qualified base rate: if qualifications are not met in Summit High Yield or Cash Back Checking.Any balance | 0.05% | $5 | Non-qualified base rate: if qualifications are not met in Summit High Yield or Cash Back Checking. |
Great Occasion (GO)
0.05%APY
$5 minimum balance required in Main Share Savings to open. No monthly service fee.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.05% | $5 |
Main Share
0.05%APY
Establishes membership with Cinfed Credit Union. $5 minimum deposit/balance requirement. No monthly service fees.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $5 and up | 0.05% | $5 |
Special-purpose accounts
IRA Passbook
0.50%APY
Available as traditional and Roth IRAs. $100 minimum deposit to open. No monthly or annual maintenance fees.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.50% | $50 |
Sources (2)
All captured Oct 6, 2026
Christmas Club
0.05%APY
$5 minimum balance requirement in Main Share to open. No monthly service fee. Funds automatically released on October 1 of each calendar year.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.05% | $5 |
Health Savings Main Share
0.05%APY
Must be enrolled in a High-Deductible Health Plan (HDHP). Free set-up and no monthly service fee. Combines savings and spending.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.05% | $5 |
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.