Be alert for impersonators calling as Cinfed employees, attempting to get your card or account information. Hang up immediately and call Cinfed directly at 513-333-3800.
Get The Service You Deserve With A Special Bonus!*
You deserve a better banking experience — and we’re here to provide it for you. Cinfed has been serving the Tristate — and the Tristate only — for more than 90 years.
To make your decision even easier, you can get a $200 bonus* when you open a qualifying account.
At Cinfed, we live local, lend local, and do business with local in mind. We give people time and attention when they need it most: when they have to make decisions about managing their money. To experience it for yourself, take advantage of this limited time offer and open a new account.
To redeem your reward, use promo code FULL200 on your application. Offer ends 12/31/2025.
Already a member? Click here to learn about earning a bonus through our referral program.
Choose & Earn: It’s easy to earn your $200 bonus* and multiple ways to do it.
Choose from the accounts listed below.
CHECKING ACCOUNT¹
- No minimum balance required
- No monthly maintenance fees
- Get cash back or dividends on your balance
- Recurring direct deposit and $100 opening balance required
CERTIFICATES²
- Great rates to help reach your dream faster
- Lock in a high yield
- Terms up to 60 months
- Minimum 12-month term, $1,000 deposit required
AUTO LOAN³
- Great rates
- Quick approval
- Personal attention and a customized solution
- Monthly payments and terms that work for you!
MORTGAGE⁴
- Expert guidance to navigate the homebuying process
- Personal service that finds your best solution
- Access to financing options
- Easy and convenient to manage
HOME EQUITY
LINE OF CREDIT⁵
- Put the value in your home to work
- Make home updates or major purchases
- Borrow what you need, up to your limit
- Easy to manage with Digital Banking
What Our Members Have To Say
“We obviously all have choices in our banking needs, but service like this is what makes me maintain my relationship with Cinfed; now over 35 years!”
—Mark G.
“I recently visited your branch to apply for a credit card. The experience was phenomenal. I was assisted at every step of the process with perfection and kindness.”
—Tom H.
“After reviewing three different loan options, none that fit, Jessica came up with a solution that worked. She is very professional, friendly, and knowledgeable. I will always stay at Cinfed with professionals like her!”
—Erica W.
Three Easy Ways To Open An Account
*Bonus
Account must be opened or submitted between 3/01/2025 – 12/31/2025. New members only. Limit one bonus payout per individual. Promotional code FULL200 must be included with all applications. Bonus will be deposited in member share account 60 days upon account qualification or loan funding, pending account status. Account must qualify within 60 days of account opening. Bonus will be reported on form 1099-INT.
¹Checking Accounts with Direct Deposit
For new Kasasa Checking, Basic Checking, or Zoom Checking accounts with recurring direct deposit and minimum opening balance of $100 or more. Rate and rewards are variable and may change after an account is opened. Account approval, conditions, qualifications, limits, time frames, enrollments, log-ons and other requirements may apply. Qualifications and rewards may vary by account. Limit one rewards checking per social security number. Contact a Cinfed representative for additional information.
²Certificate
Account must be opened with a $1000 minimum deposit. 12-month term or longer. Standard restrictions and penalties for early withdrawal apply.
³Auto Loan
For new or refinanced auto loans. Subject to credit approval. Other qualifications may apply.
⁴Mortgage
For new or refinanced mortgage loans. Subject to credit approval. Rate will be based on credit score and loan-to-value (LTV). Other qualifications may apply.
⁵Home Equity Line of Credit
Subject to credit approval. Rate will be based on credit score and loan-to-value (LTV). Other qualifications may apply.