Business Details
50+ Years
experience
Your Trusted Partner for Financial Services in Cincinnati
Cincinnati Interagency Federal Credit Union (CIFCU) is a member-owned financial cooperative established in 1951, dedicated to providing accessible, competitive financial services. As a democratically controlled institution, we empower members to shape their financial futures through elected leadership and committee participation. Our not-for-profit model prioritizes member benefits, returning profits via low fees, favorable loan rates, and higher savings dividends. Backed by NCUA insurance covering up to $250,000 per account, we offer a full suite of services including vehicle loans, home equity financing, credit cards, and digital banking tools.With a focus on community engagement and financial education, we serve as a trusted partner for individuals and families in Cincinnati and beyond. Our commitment to service excellence is reflected in 70 years of operational stability, 24/7 online access, and personalized support for every member.
Services
Vehicle Loans
Home Equity Loans
Credit Cards
Student Loans
Direct Deposit
Online Banking
Share Certificates
Overdraft Protection
Bill Pay Service
Shared Branching
Details
- Year established: 1951
Highlights and features
- We are a member-owned credit union returning profits to members through lower fees and competitive rates.
- Our 24/7 online banking platform provides convenient access to account management and loan applications.
- We offer specialized loan programs including green vehicle financing with $100 cashback incentives.
- Our financial advisors provide personalized guidance for home equity, education, and personal finance needs.
- We maintain a 70-year track record of financial stability and community reinvestment.
Associations and certifications
- NCUA
- Equal Housing Lender
Services
Vehicle Loans
CIFCU offers competitive vehicle financing for new, used, and green vehicles with rates starting at 3.99% APR. Our Auto Link service streamlines car purchases with preapproval options and guaranteed pricing. Loans include optional GAP protection at reduced costs and flexible repayment terms without prepayment penalties.
Home Equity Loans
Our home equity loans provide borrowing power based on property value with rates tied to the Wall Street Journal Prime Rate plus 0.5%. Features include 15-year terms, tax-deductible interest potential, and waived closing costs with minimum $5,000 advance. Funds can be used for home improvements, education, or debt consolidation.
Credit Cards
CIFCU Visa credit cards offer variable rates starting at Prime Rate + 6.5% with no annual fees. Features include 28-day grace periods, ScoreCard Rewards program, and 24/7 fraud monitoring. Cardholders receive complimentary My EZ Car Care membership and mobile banking integration for real-time transaction management.
Student Loans
Partnering with Sallie Mae, we provide private student loans for undergraduate, graduate, and career training programs. Options include competitive rates, multiple repayment plans, and no origination fees. Loans require minimum $1,000 amounts with credit approval through Sallie Mae Bank.
Online Banking
ItsMe 247 mobile and web platform enables 24/7 account access for fund transfers, bill payments, and loan applications. Features include real-time transaction alerts, mobile check deposit, and integration with Visa card management tools. The service supports secure login and provides electronic statements for all account types.
Questions
How do I apply for a vehicle loan?
Apply online through ItsMe 247, by phone, or in person. Preapproval options available with no application fees. Use Auto Link service for car shopping assistance.
What online banking features are available?
24/7 access to account management, bill payments, fund transfers, and loan applications. Mobile app includes card controls and real-time transaction alerts.
Are there membership requirements?
Membership requires $5 minimum share account deposit. Open to individuals with eligibility through employment or community connections in Cincinnati area.
What loan types do you offer?
Vehicle loans, home equity lines, credit cards, personal loans, share-secured loans, and student financing options with competitive rates.
How are interest rates determined?
Rates based on Wall Street Journal Prime Rate for HELOCs (Prime + 0.5%) and variable credit cards (Prime + 6.5%). Vehicle rates start at 3.99% APR.
What payment methods are accepted?
Direct deposit, payroll deduction, mobile check deposit, online transfers, and in-person payments at main office locations.
Reviews (2)
Denise Giglio
Dec 12, 2021
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Patrick and Angie are excellent help at this Credit Union. And all the other staff are great too. Thanks for everything you guys do.
Jeni Marie
Jul 26, 2017
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I would love to give this establishment a higher rating because the ladies who work there are really awesome. They are helpful beyond belief, but I had an absolutely terrible experience with the CEO today that I cannot believe happened. CICFU is a small credit union and they offer good programs, but with their declining membership over the last few years (yes, I have attended members meetings the past two years) one would think there would be better customer service, especially from someone who runs the organization. My husband and I used to have an account with CIFCU, but we didnt like their
