Cinfed Credit Union Cincinnati OH | Top Checking & Business Loans

Introduction

Welcome to Cinfed, your trusted financial partner located at 4801 Kennedy Avenue, Cincinnati, OH 45209. Since our establishment in 1975, we have proudly served a growing community of over 38,181 members. With total assets of $734,963,243, we are committed to providing robust financial solutions tailored to your needs. At Cinfed, we understand that managing finances can be challenging. That's why we offer a wide range of services including personal banking accounts, auto loans, mortgage options, and business banking. Whether you're saving for a dream vacation or looking to finance a new vehicle, our dedicated team is here to support you every step of the way. Our commitment to our members goes beyond just numbers. We take pride in fostering strong relationships within the community and empowering individuals with financial education and resources. Under the leadership of our CEO, Jay Sigler, and Board President, Gerald Meyer, we strive to make banking accessible and beneficial for everyone. While you can visit us at our branch for all your banking needs, please note that any official correspondence should be sent to the same address: 4801 Kennedy Avenue, Cincinnati, OH 45209. With a solid net worth of $87,816,618 and cash reserves of $6,177,278, we ensure your money is secure while providing competitive rates on loans and deposits. Our team is ready to assist you with a variety of loan options totaling 20,419 leases and loans available for both personal and business purposes. Ready to experience personalized service with a community touch? Contact us today at 513-333-4210 or visit our website at Cinfed for more information. Join us on this journey towards financial success!

Branch History & Mission

Cinfed has a rich history of serving the Cincinnati community, rooted in values of trust and support since it first opened its doors in 1975. Located at 4801 Kennedy Avenue, Cincinnati, OH 45209, our branch has grown from humble beginnings to become a trusted financial partner for over 38,000 members. With total assets now standing at an impressive $734,963,243, we have evolved into a robust institution dedicated to fulfilling the diverse financial needs of our community. At Cinfed, we believe that our mission goes beyond just providing financial services. Our commitment is to empower individuals and families through education and resources that promote financial well-being. We offer a wide range of products including personal banking accounts, auto loans, mortgages, credit cards with rewards, and business banking solutions. Each service is designed with our members' best interests in mind, ensuring they have the tools needed for success. While our branch address remains at 4801 Kennedy Avenue, official correspondence can also be sent to the same mailing address: 4801 Kennedy Avenue, Cincinnati, OH 45209. This continuity reflects our dedication to being easily accessible to our members. As part of our community focus, we pride ourselves on strong partnerships and outreach efforts aimed at uplifting those around us. Through various initiatives and programs, we strive to make a positive impact by supporting local events and organizations that foster growth and opportunity. In line with modern banking needs, Cinfed embraces technology by offering online and mobile banking services that allow members to manage their finances conveniently. We also ensure accessibility through ADA-compliant facilities and drive-thru services for quick transactions. Our operating hours are designed to accommodate busy schedules: Monday through Friday from 9:00 AM to 5:00 PM and Saturday from 9:00 AM to 1:00 PM. Additionally, our ATM availability ensures that you can access your funds whenever necessary. We invite you to join us at Cinfed and experience firsthand how we can help you achieve your financial goals while being part of a community-focused organization. Together, let's build a brighter future! For more information on membership eligibility or to learn more about what we offer, please visit Cinfed or call us at (513) 333-4210 today!

Branch Location & Accessibility

Accessibility and Parking

At Cinfed, we prioritize accessibility for all our members. Our branch features ADA-compliant entrances and ramps to make sure everyone can access our services without any hassle. Parking is ample and convenient, so you won't have to worry about finding a spot when you visit us.

Connect With Us!

Ready to experience exceptional banking? We invite you to stop by our branch or give us a call at 513-333-4210. Our dedicated team at Cinfed is excited to assist you with all your financial needs! Come see how we can help you achieve your goals today!

Operating Hours and Services

We are open Monday through Friday from 9:00 AM to 5:00 PM and on Saturday from 9:00 AM to 1:00 PM. This flexibility means you can choose a time that works best for you! When you arrive, you'll find a variety of services available to meet your financial needs. From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, our team is here to help guide you every step of the way. In addition to traditional banking services, we also offer drive-thru banking for quick deposits and withdrawals, as well as an ATM on-site for your convenience. Whether you're making a simple transaction or need assistance with more complex financial matters, we're committed to providing friendly and personalized service.

Member Eligibility

At Cinfed, we believe in building a community where everyone feels welcome and supported. Becoming a member is simple and rewarding! If you live, work, worship, or attend school in the greater Cincinnati area, you're likely eligible to join us. We value inclusivity and want to make sure our services are accessible to as many people as possible. Plus, as a member of Cinfed, you'll enjoy a range of benefits including competitive rates on loans and savings accounts, personalized service, and access to our convenient online banking features. To get started on your membership journey with us at Cinfed, visit our eligibility page for more details at http://www.cinfed.org/join-now . If you have any questions or need assistance, feel free to give us a call at (513) 333-4210. We're here to help!

Business Banking & Commercial Services

Business Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $278 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $2 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $180,720,520, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

Imagine having a payment solution that fits seamlessly into your daily operations. Our merchant services are designed to make transactions easy for you and your customers. Whether you're running a bustling retail shop or a cozy café, we provide the tools you need to accept payments efficiently. This means less hassle at checkout and happier customers, allowing you to focus on what you do best growing your business. Explore how Cinfed can partner with you on your journey to success at our branch located at 4801 Kennedy Avenue Cincinnati Oh 45209 or give us a call at (513) 333-4210. Let's make great things happen together!

Comprehensive List Of Services

Business Banking Solutions

For local businesses in Cincinnati, we provide comprehensive business banking services, including merchant services and business loans. We recognize the unique challenges business owners face and strive to offer products that can help you grow. Think about how much easier it would be for your customers to pay when you have efficient payment processing options at your fingertips.

Convenience at Your Fingertips

In today's fast-paced world, convenience is key. That's why we prioritize digital banking features at Cinfed. With online and mobile banking, accessing your accounts has never been simpler. You can check balances, transfer money, and even make person-to-person payments from anywhere! Our ATM services are available for quick cash withdrawals and balance checks, ensuring you're never left without access to your funds.

Drive-Thru & ATM Services

Sometimes, quick transactions are necessary. Our drive-thru service allows for easy deposits and withdrawals without leaving your car. If you're on-the-go, our ATMs are equipped for basic needs like cash withdrawals and balance inquiries. At Cinfed, we believe that financial wellness is within everyone's reach. With our diverse range of services from personal banking and loans to business solutions you're sure to find what you need right here at our branch located at 4801 Kennedy Avenue Cincinnati Oh 45209 in Cincinnati, OH. If you're ready to take the next step towards achieving your financial goals or want more information about how we can assist you further, don't hesitate to give us a call at (513) 333-4210 or visit us online at Oakley Corporate Headquarters. We're excited to help you thrive!

Loans Made Simple

Life often comes with big expenses, and at Cinfed, we offer various loan options to ease those burdens. Whether you're in the market for auto loans or looking into mortgage loans and refinancing options, our loan specialists are ready to guide you through the process. Picture yourself driving off in a new vehicle thanks to our competitive vehicle financing solutions or consolidating your debts into one manageable payment.

Personal Banking

We understand that managing your finances is essential. That's why our personal banking services include checking and savings accounts designed for all lifestyles. Imagine having a checking account that fits seamlessly into your daily routine, allowing you to access your funds easily through online and mobile banking. Need to make a purchase? Our credit cards come with rewards, giving you something back every time you shop.

Digital & Online Banking

Online Banking Features

Our 24/7 online banking services allow you to check balances, transfer funds, and pay bills with ease. Need to send money to a friend? Our person-to-person transfers make it simple and fast. Plus, if you're on the go, you can utilize our mobile application for instant access right from your smartphone. And with features like mobile payments, paying for your purchases has never been easier or more secure.

Security and Accessibility

Your security is our top priority. We offer electronic signature authorization for added protection when signing documents digitally. You can also opt for e-statements, which not only keep your information secure but also help reduce paper clutter. With these digital services, you have real-time control over your finances at your fingertips. Whether you're checking in on your savings or managing loans, everything is accessible whenever you need it. Join us at Cinfed today to experience how easy and secure banking can be!

Financial Strength

A Growing Community

Total Share Accounts: 100,484, showing a strong and growing member base that trusts us with their finances. Net Shares available for lending and investments amount to $4,101,410. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Cinfed is your trusted partner. Visit us at 4801 Kennedy Avenue Cincinnati Oh 45209 or call (513) 333-4210 to learn more about how we can help you achieve your financial goals.

Focused on Growth

Our commitment to our members is reflected in our substantial $78,741,297 in undivided earnings. This enables us to reinvest in innovative banking tools, stronger lending options, and enhanced security measures. With $2,790 in used auto loans and $574,961,040 in total loans and leases, our lending capacity supports members' financial goals across various sectors.

Member-Centric Savings

Members' savings are secured through $149,129,359 in share certificates and $170,437,842 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $33,392,000, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our operational efficiency is highlighted by our $0, which allows us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 140 full-time employees and 2 part-time employees ready to serve you with a knowledgeable team.

Solid Capital Foundation

With a net worth of $87,816,618, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,192 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $44,043,325 in used vehicle loans and $40,021,437 in new vehicle loans already helping members get on the road. We provide financing options for both new and used vehicles, ensuring you can find a plan that fits your budget.

Business Financing

For business owners, our outstanding commercial loans totaling $180,720,520 provide the capital needed to grow and expand. Whether you need funds for inventory, equipment, or other operational costs, we are dedicated to supporting local businesses.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $40,694,712, make buying or refinancing simple. Whether you are looking for your first home or considering an upgrade, our team is here to guide you through the process.

Refinancing Options

If you're considering refinancing existing loans, our team is ready to discuss eligibility options tailored to your specific situation. This could lead to lower monthly payments or even a better interest rate. Our commitment at Cinfed, located at 4801 Kennedy Avenue Cincinnati Oh 45209, Cincinnati, OH, is to empower our members with the financial tools they need. If you have any questions or want to learn more about our loan offerings, feel free to reach out at (513) 333-4210 during our operating hours: M-F 9:00-5:00 and SAT 9:00-1:00. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.

Unsecured Credit Card Loans

Managing day-to-day expenses can be challenging, which is why we also offer flexible terms on unsecured credit card loans. With a total of $19,838,679 in loans helping members manage their finances effectively, our credit cards come with competitive rates and rewards that add value to your spending.

Loan Aggregator

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Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov ). This commitment to accuracy ensures that users receive fair and transparent offers.

CINFED FEDERAL CREDIT UNION