Business Details
50+ Years
experience
Your Trusted Partner for Financial Solutions in Cincinnati
Cincinnati Interagency Federal Credit Union (CIFCU) is a member-owned financial cooperative established in 1951, dedicated to providing accessible, competitive financial services rooted in community values. As a democratically controlled institution, we empower members through ownership benefits including low fees, favorable loan rates, and higher dividend returns. Our services span vehicle loans, home equity financing, credit cards, and savings solutions, all backed by NCUA insurance up to $250,000. We prioritize financial education, personalized service, and innovative tools like online banking and Auto Link car-buying assistance.With a heritage of sound management and member involvement, we serve as a trusted alternative to traditional banks, focusing on long-term member value rather than profit. Our commitment to transparency includes no hidden fees, optional debt protection, and complimentary My EZ Car Care memberships for vehicle financing. Through shared branching and a tri-state service area, we combine local expertise with nationwide convenience.
Services
Vehicle Loans
Home Equity Loans
Visa Credit Cards
Student Loans
Online Banking
Shared Branching
Overdraft Protection
Share Certificates
Details
- Year established: 1951
Highlights and features
- We offer member ownership with democratic control and profit-sharing benefits.
- Competitive loan rates and fee-free services including no prepayment penalties.
- NCUA insurance covering deposits up to $250,000 for security.
- 24/7 telephone access and digital banking tools for convenience.
- Community-driven mission prioritizing local financial education and involvement.
Associations and certifications
- National Credit Union Administration (NCUA)
Services
Vehicle Loans
CIFCU provides competitive vehicle loans for new, used, and green vehicles with rates starting at 3.99% APR. Our financing includes no application fees, prepayment penalties, or hidden costs. Members receive optional GAP protection and a complimentary My EZ Car Care membership for added value.
Home Equity Loans
Our home equity lines of credit offer flexible borrowing based on home value, with rates tied to the Prime Rate plus 0.5%. Features include tax-deductible interest potential, no closing costs with minimum advance, and a 15-year term with no prepayment penalties.
Visa Credit Card
CIFCU Visa credit cards start at $500 credit lines with no annual fees or cash advance charges. Benefits include ScoreCard Rewards, 24/7 fraud monitoring, and variable rates tied to the Prime Rate plus 6.5%. Share-secured options help build credit.
Student Loans
Partnering with Sallie Mae, we offer private student loans for undergraduates and graduates with competitive rates and no origination fees. Flexible repayment options and responsible borrowing guidance ensure manageable debt solutions for educational investments.
Online Banking
ItsMe 247 online and mobile banking provides 24/7 account access for transactions, bill pay, loan applications, and real-time Visa card controls. The platform supports secure fund transfers, e-statements, and mobile check deposits for modern financial management.
Questions
Who is eligible for CIFCU membership?
Membership is open to individuals affiliated with partner agencies, organizations, or businesses. Once a member, you retain eligibility for life by maintaining a $5 share account.
How do I apply for a vehicle loan?
Apply online through ItsMe 247, by phone, or in person. Preapproval options and Auto Link car-buying service simplify the process with no application fees or hidden charges.
Are my deposits insured?
Yes, all accounts are federally insured up to $250,000 by the National Credit Union Administration (NCUA), a U.S. government agency.
What digital banking tools are available?
ItsMe 247 offers mobile apps, bill pay, card controls, and loan management. CU*Talk provides 24/7 automated telephone banking for account inquiries and transfers.
Can I refinance existing loans?
Yes, CIFCU offers refinancing options for vehicle loans held at other institutions. Contact us to explore potential savings through lower rates or reduced fees.
