Cinfed Credit Union
Cinfed Credit Union is a federally chartered, member-owned financial cooperative serving the Greater Cincinnati Tri-State area with a full suite of retail and business banking, mortgage and consumer lending, and digital banking services.
- Company typePrivate
- Founded1935
- HeadquartersCincinnati, United States
- Headcount51–100
- GTM typeB2C
- OfferingServices
What Cinfed Credit Union does
Cinfed Credit Union (legal name: Cinfed Federal Credit Union) is a federally chartered, member-owned financial cooperative headquartered in the Oakley neighborhood of Cincinnati, Ohio, serving the Greater Cincinnati Tri-State area (Ohio, Kentucky, and Indiana). Founded in 1934–1935, the institution has operated continuously for over 90 years and maintains 11 branch locations across Cincinnati and Northern Kentucky, including three Interactive Teller Machine (ITM)–only sites. Jay Sigler serves as CEO. Cinfed is regulated by the National Credit Union Administration (NCUA) and offers members enhanced deposit insurance of up to $1,250,000 per account through the combination of $250,000 in federal NCUA coverage and $1,000,000 in private coverage from Excess Share Insurance Corporation (ESI).
Cinfed operates a full-service retail and business banking platform spanning checking (personal tiers including Summit High Yield, Cash Back, Greenlight, Zoom Rewards, and Basic, plus business tiers Basic, Premium, and Civic & Community), savings (Main Share, Super Share, SaverPlus, Great Occasions, Christmas Club, Rockstar Kids, Ohio Homebuyer Plus, HSAs), certificates (Smart30, Legacy, Standard), IRAs, and lending products (mortgages including HELOC, Bridge, and Construction loans; credit cards across Essentials, Platinum, World, Secured, and Business Mastercard tiers; auto loans via the Auto Match platform; and personal and commercial loans). The technology stack includes native iOS and Android mobile apps, online banking, digital account opening powered by MeridianLink, and online loan payments via Repay, with surcharge-free ATM access through Allpoint (55,000+ locations) and Alliance One.
The business model is a member-owned cooperative: Cinfed generates revenue primarily through net interest income on its loan portfolio, supported by transaction fees on banking services and recurring deposit relationships. Reported revenue was $56.5 million in 2023 (NCUA 5300 Call Report). As a credit union, earnings are not distributed to outside shareholders but reinvested into member rates, branch infrastructure, and community programs — including school partnerships, scholarships, and local event sponsorships — that function as both brand-building and member acquisition channels.
Cinfed Credit Union firmographics
Firmographics- Name
- Cinfed Credit Union
- Legal name
- Cinfed Federal Credit Union
- Website
- https://cinfed.com
- Company type
- Private
- Founded year
- 1935
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- Cinfed Credit Union is a federally chartered, member-owned financial cooperative serving the Greater Cincinnati Tri-State area with a full suite of retail and business banking, mortgage and consumer lending, and digital banking services.
- Ownership category
- akta.pro rank
Cinfed Credit Union industry classification
Industry- Product category
- Retail Banking
- NAICS
- Credit Unions (52213), Credit Card Issuing (522210)
- SIC
- Savings Institution, Federally Chartered (6035), Personal Credit Institutions (6141)
- akta.pro primary industry
- Community Credit Unions (Retail/Consumer Focus) (FSABAEAA)
- akta.pro secondary industry
- Bank & Credit Union Personal Loans (Unsecured Installment) (FSAKAAAL)
Keywords
Where Cinfed Credit Union is headquartered
LocationHeadquarters
- HQ city
- Cincinnati
- HQ country
- United States
- HQ region
- North America
Offices10 records
Markets served
Cinfed Credit Union business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales, Others
Revenue model
- Interest Income from Loans: Cinfed generates revenue primarily through interest earned on loans including mortgages, auto loans, personal loans, credit cards, and business loans. As a credit union, earnings are returned to members through better rates on loans and deposits.
- Deposit Interest Payments: Pays interest on member deposits including checking accounts, savings accounts, and certificates. Competitive rates aimed at member value.
- Fee-based Services: Various banking fees including overdraft protection services, wire transfers, and other account services.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Personal Checking Accounts |
| Subscription | Monthly | Savings Accounts |
| Subscription | Annual | Certificates |
Go-to-market motion1 record
Distribution channels5 records
Marketing channels5 records
Cinfed Credit Union product offering
Product offeringCore offering
Cinfed Credit Union is a member-owned, federally chartered credit union that provides personal and business banking products—including checking and savings accounts, certificates, IRAs, mortgages, home equity loans, auto loans, personal loans, business loans, and Mastercard credit cards—to members in the Greater Cincinnati/Tri-State area (Ohio, Kentucky, and Indiana). Products are delivered through 11 physical branch locations, mobile and online banking platforms, and partner-enabled networks (Allpoint and Alliance One ATMs, merchant services, insurance, and wealth/investment services). Enhanced deposit insurance (NCUA plus Excess Share Insurance up to $1,250,000 per account) and 90+ years of community-focused cooperative operations anchor the offering.
Product overview
Cinfed Credit Union operates as a single financial institution offering a comprehensive suite of banking products organized around three core pillars: checking and transaction accounts, savings and investment products, and lending services. The checking portfolio includes personal tiers (Summit High Yield, Cash Back, Greenlight, Zoom Rewards, Basic) and business tiers (Basic, Premium, Civic & Community). Savings offerings encompass personal savings accounts (Main Share, Super Share, SaverPlus, Great Occasions GO, Christmas Club, Rockstar Kids, Ohio Homebuyer Plus, HSAs), certificates (Smart30, Legacy, Standard), and IRAs. The lending division covers mortgages through a Mortgage Center (First Time Home Buyer, HELOC, Bridge Loan, Construction Loan), credit cards (Essentials through World Mastercard plus Secured and Business variants), auto loans with Auto Match service, personal loans, and business loans. Supporting services include Digital/Mobile Banking, Overdraft Protection, Merchant Services, Insurance, Investment Services, Trust & Will, Financial Education, and Schools & Scholarships. The credit union provides insurance coverage up to $1,250,000 through NCUA federal insurance plus Excess Share Insurance private coverage.
Differentiator
Problem solved
Functional benefit
Products and services
- Personal Checking Accounts Multiple-tier personal checking accounts including Summit High Yield Checking, Cash Back, Greenlight (youth financial tools), Zoom Rewards, and Basic Checking — designed for individual members seeking everyday banking with competitive rates, rewards, and family features like Early Pay.
- Business Checking Accounts Checking accounts designed for business members with Basic, Premium, and Civic & Community tiers — supporting small-to-medium businesses and non-profit/community organizations in the Tri-State area.
- Personal Savings Accounts A diversified savings portfolio for individual members including Main Share Savings (the foundational membership account), Super Share Savings (high-yield), SaverPlus, Great Occasions (GO) Savings, Christmas Club Savings, Rockstar Savings for Kids, Ohio Homebuyer Plus, and Health Savings Accounts (HSAs).
- Certificates (Term Deposits) Term deposit accounts including Smart30 Certificates (30-month term), Legacy Certificate, and Standard Certificates with various maturity options — providing members fixed-rate returns on locked savings.
- IRAs (Individual Retirement Accounts) Tax-advantaged retirement savings options for individual members including Traditional, Roth, and Educational IRA variants.
- Mortgage & Home Equity Loans Comprehensive home financing offerings through the Mortgage Center, including First Time Home Buyer Program, Home Possible® purchasing, Home Equity Line of Credit (HELOC), Bridge Loan, and Construction Loan — serving members purchasing, refinancing, building, or leveraging equity in their homes.
- Credit Cards Mastercard credit card products spanning Cinfed Essentials (entry-level), Platinum (mid-tier), World (premium travel/concierge), Secured (credit-building), and Business Card — for both personal and business members.
- Auto Loans Vehicle financing for new and used cars including an Auto Match service that lets members shop for and finance vehicles online in one platform.
- Personal Loans Flexible unsecured financing for personal needs such as debt consolidation, home improvements, and major purchases.
- Business Loans Commercial lending products for business members including term loans, lines of credit, and commercial real estate financing, with a dedicated commercial loans phone line.
- Mobile & Online Banking Cinfed's digital banking platform with iOS and Android mobile apps and online banking for account access, transfers, bill pay, and mobile deposit.
- Merchant Services Payment processing solutions enabling business members to accept card payments.
- Insurance Products Member-accessible insurance offerings including auto, home, life, and supplemental coverage delivered through partnership arrangements.
- Investment Services Wealth management and investment advisory services offered through Cinfed Investment Services for members seeking investment planning and portfolio solutions.
- Trust & Will Services Estate planning assistance including trusts and wills to help members plan for the future.
- Overdraft Protection Transfer service linking a member's checking account to a savings account or line of credit to cover overdrafts, preventing declined transactions and overdraft fees.
Companies that use Cinfed Credit Union
Customer profileSegments3 records
Ideal customer profiles2 records
Cinfed Credit Union technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature4 records
Cinfed Credit Union partnerships and signals
Strategic signalPartnerships
Four partnerships are on record, tiered core and minor.
- AllpointcoreAllpoint is the largest surcharge-free ATM network partner, providing Cinfed members access to 55,000+ surcharge-free ATMs nationwide at retailers including Target, CVS, Kroger, Costco, and Shell gas stations.
- Alliance OnecoreAlliance One is a nationwide cooperative of credit unions, community banks, and thrifts providing surcharge-free ATM access to cardholders across America.
- Excess Share Insurance Corporation (ESI)coreESI provides additional private deposit insurance coverage of $1,000,000 on top of the standard $250,000 NCUA federal insurance, giving Cinfed members coverage up to $1,250,000 per account at no additional cost.
- KasasaminorKasasa is noted as the copyright holder for portions of Cinfed's website content and branding materials.
Scale indicators3 records
Recent moves6 records
Expansion highlights5 records
Cinfed Credit Union competitors and assessment
Company assessmentDirect peers
- Wright-Patt Credit Union: Large Ohio-based federal credit union serving members across the state with checking, savings, mortgages, auto loans, and credit cards. Directly comparable as a community-focused, member-owned cooperative competing for the same Greater Cincinnati / Dayton consumer and small-business market.
- Bethpage Federal Credit Union: Long-tenured community credit union offering full-service retail banking, mortgages, and commercial lending. Comparable as a similarly sized, federally chartered, member-owned cooperative pursuing digital transformation alongside physical branch service.
- SchoolsFirst Federal Credit Union: Large community credit union built around a defined membership base, offering full retail banking, lending, and digital services. Comparable as a federally chartered, member-owned cooperative that leverages employer/community affiliation to drive long-tenure member relationships.
- Kemba Financial Credit Union: Cincinnati-based credit union offering personal and business banking, lending, and digital tools to members across the Tri-State. Operates with the same member-owned cooperative structure and geographic footprint as Cinfed, competing for overlapping consumer and SMB segments.
- Connexus Credit Union: Large digital-forward credit union with national membership and broad retail product set including high-yield deposits, lending, and digital banking. Comparable as a community/membership-based cooperative investing in mobile and online channels to compete with traditional banks.
Broad incumbents
- Huntington Bancshares: Columbus-based regional bank with significant Ohio and Kentucky retail and commercial franchises. Competes with Cinfed across consumer checking, mortgages, and small-business lending in the same Tri-State geography.
- U.S. Bank: Minneapolis-based national bank with one of the deepest Cincinnati retail branch networks. Directly competes for Tri-State consumers on deposits, mortgage origination, and small-business banking.
- PNC Financial Services: Large diversified US bank with substantial Cincinnati and Northern Kentucky presence across retail, wealth, and commercial banking. Competes with Cinfed for branch-based consumer and SMB relationships in the same metropolitan footprint.
- Fifth Third Bank: Major Cincinnati-headquartered regional bank with deep Tri-State retail and commercial presence. Overlaps substantially with Cinfed on consumer deposits, mortgages, and small-business banking, but operates from a far larger balance sheet and broader product suite.
- JPMorgan Chase (Chase): Largest US retail bank with national digital and branch presence, including material Cincinnati footprint. Competes for both deposit and lending relationships, and pressures community credit unions on mobile experience and product velocity.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Cinfed Credit Union social profiles
Digital presenceCinfed Credit Union financial estimates
Financial estimateRevenue estimate
Valuation estimate
Cinfed Credit Union leadership team
Management profileNumber of profiles
Profiles1 record
Cinfed Credit Union funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Cinfed Credit Union M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Cinfed Credit Union
What does Cinfed Credit Union do?
Cinfed Credit Union is a member-owned, federally chartered credit union that provides personal and business banking products—including checking and savings accounts, certificates, IRAs, mortgages, home equity loans, auto loans, personal loans, business loans, and Mastercard credit cards—to members in the Greater Cincinnati/Tri-State area (Ohio, Kentucky, and Indiana). Products are delivered through 11 physical branch locations, mobile and online banking platforms, and partner-enabled networks (Allpoint and Alliance One ATMs, merchant services, insurance, and wealth/investment services). Enhanced deposit insurance (NCUA plus Excess Share Insurance up to $1,250,000 per account) and 90+ years of community-focused cooperative operations anchor the offering.
Is Cinfed Credit Union a public or private company?
Cinfed Credit Union is a private company. It is classified as nonprofit foundation owned and is currently operating.
When was Cinfed Credit Union founded?
Cinfed Credit Union was founded in 1935. It employs 51 to 100 people.
Where is Cinfed Credit Union based?
Cinfed Credit Union is headquartered in Cincinnati, United States, in the North America region.
How does Cinfed Credit Union make money?
Three revenue lines are on record. Interest Income from Loans are the primary driver. The others are deposit Interest Payments and fee-based Services.
Who are Cinfed Credit Union's main competitors?
Direct peers on record are Wright-Patt Credit Union, Bethpage Federal Credit Union, SchoolsFirst Federal Credit Union, Kemba Financial Credit Union and Connexus Credit Union. Broad incumbents are Huntington Bancshares, U.S. Bank, PNC Financial Services, Fifth Third Bank and JPMorgan Chase (Chase).
Does Cinfed Credit Union have an API?
No public API is recorded for Cinfed Credit Union.
What industry is Cinfed Credit Union in?
Cinfed Credit Union's product category is Retail Banking. Its primary akta.pro industry code is FSABAEAA, Community Credit Unions (Retail/Consumer Focus), with a secondary code of FSAKAAAL, Bank & Credit Union Personal Loans (Unsecured Installment). Its NAICS code is 52213 and its SIC code is 6035.