Business Details
50+ Years
experience
Your Trusted Partner for Financial Solutions in Cincinnati
Since 1935, we have remained committed to serving the financial needs of public servants and their families in Cincinnati and beyond. As a not-for-profit, member-owned credit union, we prioritize community impact over profit, offering competitive loan rates, higher savings returns, and personalized service tailored to police officers, firefighters, educators, and government employees. Our dedication to financial empowerment is reflected in our flexible financing options, including auto loans with rate rebates, home equity lines of credit, and student loan programs designed to support educational goals.With over 85 years of local expertise, we combine personalized attention with modern financial tools to help members achieve long-term stability. Our team of certified professionals adheres to strict ethical standards, ensuring transparent communication and reliable service that has earned us consistent customer loyalty for generations.
Services
Auto Loans
Personal Loans
HELOC
Home Loans
Student Loans
Credit Cards
Mortgage Refinancing
Insurance Products
Savings Accounts
Credit Builder Loans
Details
- Year established: 1935
Highlights and features
- We offer lower loan rates for public servants and their families
- Our not-for-profit structure directly benefits members through reduced fees
- We provide personalized financial guidance from experienced local professionals
- Our 85+ years of community banking experience ensure reliable service
- We guarantee competitive rates with transparent, no-hidden-fee policies
Associations and certifications
- NMLS (Nationwide Mortgage Licensing System)
What people say
Friendly and helpful
Excellent services
Competitive rates
Smooth process
Knowledgeable staff
Services
Auto Loans
Our auto loans provide competitive rates with terms up to 84 months for new and used vehicles. Members enjoy fast approval processes, e-signature capabilities, and up to 0.50% rate rebates through our Rewards Plus program. Special offers include 1% off current rates for fall vehicle purchases.
Home Equity Lines
Flexible home equity lines of credit offer borrowing up to $250,000 with low variable rates and no closing costs. Our 10-year draw period followed by 10-year repayment terms provide financial flexibility for home improvements, debt consolidation, or major expenses.
Student Loans
Undergraduate student loans feature low fixed/variable rates, no origination fees, and in-school deferment options. Borrow up to $75,000 with potential 0.25% rate reductions for automatic payments and co-borrower release after 48 on-time payments.
Personal Loans
Flexible personal loans up to 60 months offer competitive APRs starting at 10.99%. No collateral required with fast approval for debt consolidation, home projects, or unexpected expenses. Rate rebates available for Rewards Plus members.
Mortgage Loans
Comprehensive mortgage solutions include VA, FHA, and conventional loans with competitive rates starting at 6.250%. First-time buyer programs, 3.5% down options, and fast closings within 4-5 weeks support homeownership goals.
Questions
What loan options are available for first-time homebuyers?
We offer FHA loans with 3.5% down payments, conventional loans with discounted PMI, and VA loans requiring no down payment. Our first-time buyer programs include competitive rates and fast closing timelines.
Can I refinance my existing vehicle loan?
Yes, we offer auto loan refinancing with potential rate reductions. Members can save through our current rates and receive up to 0.50% rate rebates based on Rewards Plus status.
What are the benefits of being a credit union member?
Members receive lower loan rates, higher savings returns, reduced fees, and personalized service. Our not-for-profit structure ensures financial benefits directly return to members rather than external shareholders.
How do I apply for a student loan?
Applications can be completed online or with a loan officer. No co-borrower required, but one may improve approval chances. Funds disburse directly to schools with potential refunds for books or housing.
What insurance products do you offer?
We provide GAP insurance, mechanical breakdown protection, and credit life/disability insurance through TruStage by Liberty Mutual. Members receive discounted rates on quality coverage options.
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