Facebook Tag

Personal Deposit Products

All Cincinnati Federal Checking accounts enjoy surcharge free ATM Access to all Cincinnati Federal, Fifth Third®, and MoneyPass® Networks nationwide. Plus, access your account, make deposits, and pay your bills online and through mobile banking.

Open an Account Today View Rates Locations & Hours

 Checking Products

Account Perks

Simply Plus

Direct Plus (1,2,3,7)

50 Plus (1,2,3,7)

eStatements

icon_checkmark icon_checkmark icon_checkmark

MasterCard® Debit Card

icon_checkmark icon_checkmark icon_checkmark

Free ATM Access to Cincinnati Federal, Fifth Third Bank® and MoneyPass®

icon_checkmark icon_checkmark icon_checkmark

Interest Bearing

icon_x icon_checkmark icon_checkmark

Tiered Interest Rate

icon_x icon_checkmark icon_checkmark

Monthly Service Charge

$0

$0

$0

Minimum Balance Requirements

No Minimum Balance

No Minimum Balance

No Minimum Balance

Minimum Amount to Open

$50

$50

$50

Open an Account Today View Rates Locations & Hours

 

Savings Products (1,2,3,7)

Account Perks

eSavings

Statement Savings

Interest Plus Savings

eStatements

icon_checkmark icon_checkmark icon_checkmark

ATM Card/Link to Debit Card

icon_checkmark icon_checkmark icon_checkmark

Free ATM Access to Cincinnati Federal, Fifth Third Bank® and MoneyPass®

icon_checkmark icon_checkmark icon_checkmark

Interest Bearing

icon_checkmark icon_checkmark icon_checkmark

Tiered Interest Rate

icon_checkmark icon_checkmark icon_checkmark

Monthly Service Charge

$3

$5

$10

Ways to Avoid Service Charge

$200 Minimum Balance

$200 Minimum Balance

$2500 Minimum Balance

Minimum Amount to Open

$50

$200

$2500

Open an Account Today View Rates Locations & Hours

Certificates of Deposit (CD)

Our CD's are a great minimal risk investment with a fixed interest rate for the life of the term. They range from 3 months to 10 years. The minimum deposit to open is $500 with no monthly service charge.

Certificates of Deposit (3,4,5,6,8,9,11)

Term

Rate

Annual Percentage Yield (APY) (3)

3 Months

0.25%

0.25%

6 Months

0.75%

0.75%

9 Months

0.80%

0.80%

12 Months

1.00%

1.00%

15 Months

1.10%

1.10%

18 Months

1.25%

1.26%

24 Months

1.50%

1.51%

27 Months 1.60% 1.61%
30 Months 1.65% 1.66%
36 Months 1.75% 1.76%
48 Months 2.00% 2.02%
60-120 Months 2.00% 2.02%

Open an Account Today  Locations & Hours

IRAs (Individual Retirement Accounts)

Any CDs' term/rates shown may be applied to an IRA, except 3 month or any Special CDs; Fixed-rate IRAs credit/compound monthly.

18 Month Variable-rate IRA 0.25% interest rate yielding 0.25% Annual Percentage Rate
(effective 10/01/17) (Variable rate-changes quarterly; credits/compounds quarterly)

   Deposit or withdraw at any time without penalty.
 Interest Plus IRA (1,2,3,7)

 Account Balance

Interest Rate 

Annual Percentage Yield (APY) (3) 

 $0 - $199.99 0.00%  0.00% 
$200 - $2,499.99 0.10% 0.10%
$2,500 - $24,999.99 0.15% 0.15%
$25,000 + 0.25% 0.25%

 

(1) Variable rate; subject to change at any time without notice
(2) Daily interest earned on collected balance for number of days balance falls within the various tiers at the corresponding rates
(3) Earned interest must be left in account to compound to earn APY. Any fees would reduce an account's APY.
(4) Certificate early withdraw penalties: equal to the one-half the original term's interest (earned or unearned)
(5) Certificates earn a fixed interest rate; no additions can be made until maturity
(6) Compounds/credits quarterly; For CDs: Monthly checks available on CDs except 3 month CD, which credits interest to account at maturity
(7) Compounds/credits monthly
(8) All Certificates minimum balance to open = $500.00
(9) Certificates automatically renew at the current rate paid on the particular term after a grace period of 9 days
(10) No withdrawals permitted until mid-October when checks are issued; simple interest earned
(11) Rates and terms subject to change without notice. Contact your local branch for current deposit rates.