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Cinfed

4801 Kennedy Avenue, Cincinnati, OH 45209
NCUA Insured4.0 (94 reviews)1 charter

Verified Information

NCUA Insured

Member-Owned

1 charter

Established in 1975

Contact this credit union directly for detailed information about membership eligibility and current rates.

Location & Directions

Address

4801 Kennedy Avenue

Cincinnati, OH 45209

Service Area

This credit union is located in Cincinnati and serves members in the OH area. Currently serving 38,444 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

5.99%

Used Auto Loan

6.74%

Personal Loan

14.00%

Credit Card APR

14.00%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in OH

Lowest rates currently reported by credit unions in OH (NCUA Q4 2025).

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(7 total)

Member Reviews

4.0

94 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps
Michael Winfield

Michael Winfield

5 months ago

Throughly enjoyed my visit the Branch Manager Shawn Degolyer treated me like family, making sure all products that could assist me were offered, and explained in easy to understand language. I walked out on cloud nine. and wouldn’t think of banking anywhere else.

Robin McClish

Robin McClish

9 months ago

THANK YOU for taking a chance on me! If I could give 100 stars, I would! I was referred to Cinfed by a coworker's wife who works in their HR office after I met her at a company event. I came in the following Saturday and met Shawn to discuss my options for an auto refinance, as I was paying $775/month at 24.95% APR on an upside down loan and couldn't save a dime despite my occupation. Shawn and Chloe worked their amazing magic and managed to get me out of my negative equity AND saved me over $230/month! Thank you Sarah for referring me, and thank you Shawn and Chloe for helping me out of a jam!

Laura Holt

Laura Holt

8 months ago

I love this Credit Union. They are always helpful and Jennifer is the best!!! I couldn't be happier with my 11 years with them. CINFED is hands down the most incredible banking institution I have ever had the pleasure of working with.

Reggie Hayes

Reggie Hayes

9 months ago

I always have a great experience at this location. Melissa helps me most times and is always very bright, personable and professional, even when it’s semi “bad” news 😂. Additionally the branch manager Shawn has assisted on some of most challenging transactions lately and has helped me by going totally above and beyond. I appreciate you all for making me feel like a valued member and not just another customer.

Marie Anne

Marie Anne

5 months ago

I have been with Cinfed for 52 years. Terry White helps me manage my finances, she is the definition of OUTSTANDING, so efficient, knowledgeable, cordial and patient.

Contact Tips

Best Time to Call

Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.

What to Ask

  • • Current loan rates & terms
  • • Membership eligibility requirements
  • • Minimum deposit to open an account
  • • Online & mobile banking features

NCUA Insured

Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).