Credit union · NCUA insured
COPFCU
A $186M credit union headquartered in Cincinnati, OH, with 11,186 members and 6 branches in Ohio. Best rates: CDs 4.04% and savings 1.95% APY.
COPFCU Carrot Score
85
Carrot Score
Higher than 71% of U.S. banks and credit unions
#18 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 COPFCU
Started in 1935 in Cincinnati, Ohio, Cincinnati Ohio Police Federal Credit Union is a cooperative, not-for-profit financial institution that is 100% owned by its members.
Originally founded to serve Cincinnati police officers and their families, the credit union has expanded to serve public servants, educators, firefighters, and government employees throughout the Greater Cincinnati region.
- Headquarters
- 959 W 8th St, Cincinnati, OH 45203
- NCUA charter
- 389
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Military, government and schools
- Membership is open to police, firemen, public school employees, and federal, state, and local government employees.
Family and household
- Membership is open to family members of eligible public servants and government employees.
Branches
6 branches in Ohio
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Ohio
6 branches
- Cincinnati Ohio Police FCUMain office959 W 8th St, Cincinnati, OH 45203Directions
- Blue Ash9300 Kenwood Rd, Blue Ash, OH 45242Directions
- Cardinal Credit Union8801 Cheviot Rd, Cincinnati, OH 45251Directions
- Knight Credit Union10761 Pippin Rd, Cincinnati, OH 45231Directions
- Northwest Branch3550 Springdale Rd, Cincinnati, OH 45251Directions
- Fairfield Township6714 Gilmore Rd, Fairfield Township, OH 45011Directions
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
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 11.32% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 2.25% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.79% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $65 | $76 | — |
- CapitalNet worth ratio11.32%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late2.25%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.79%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$65Peers’ 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 COPFCU are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.