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Bridging Companies


We are excited to announce that Cincinnati Federal and Kentucky Federal have agreed to combine to create an even stronger bank that now spans the Ohio River. This combination officially took place after the close of business on October 12, 2018. On Monday, October 15, Kentucky Federal branches reopened as Kentucky Federal, a division of Cincinnati Federal.


Going forward, the same friendly staff will remain in all of our branches and you will be able to access your accounts without any change.


Over the next several months, we will be preparing to transition Kentucky Federal accounts to an updated system that will allow us to provide a broader range of products, services, and branch and ATM network. Systems will remain the same in the Cincinnati Federal branches and Cincinnati Federal customers will be able to utilize the new branches in Covington and Florence once Kentucky Federal’s systems have been updated.


We know you will have questions about how these improvements will affect you as we move forward. We are preparing a “Welcome Guide” for all Kentucky Federal customers that will include features of all accounts, provide answers to frequently asked questions and detail important dates for you to know as we move forward. This will be mailed to your address on file, so please keep an eye out for mail from us and let us know immediately if your address has changed.


Cincinnati Federal and Kentucky Federal share a deep commitment to the customers that have banked with us for many years.  Combined, we will be a bank with more than $200 million in assets.  No, we are never going to be the biggest bank in town, but our goal is to be the best bank in town.


We look forward to continuing to serve you.  Please feel free to contact us, or check in with your branch staff, if you have any questions.


Key Dates:


  • October 12, 2018 – Official Merger Date
  • October 15, 2018 – Kentucky branches reopen as Kentucky Federal, a Division of Cincinnati Federal
  • January 30, 2019 – Williamstown Branch staff and accounts will relocate to the Florence Branch
  • April 20 – 22, 2019 – System conversions will occur. Kentucky Branches will be closed April 20th - 22nd in order to update our systems. All branch locations will reopen on April 23rd with a new data system able to serve both Kentucky Federal and Cincinnati Federal customers alike, at any of our 6 branch locations.


Follow us on Facebook, sign up for our mailing list, or go to either CincinnatiFederal.com or KentuckyFederal.com to stay in the loop as things progress. Remember, we will also be mailing information to your address on file, please keep an eye out for mail from us and let us know immediately if your address has changed.


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