Welcome, Guest
 

Your choice checking...

Because one size doesn't fit all

Use this guide to help you find the right fit.
Number 1

Will you always keep more than $1500 in your checking account?

  Arrow Yes Interest Plus Checking
  Arrow No Simply Free Checking
Number 2

Do you plan to have a direct deposit or automatic withdrawal on this account?

  Arrow Yes Direct Plus Checking
  Arrow No Simply Free Checking
Number 3

Will there be someone over 50 on this account?

  Arrow Yes 50 Plus Checking
  Arrow No Simply Free Checking

Simply Free Checking                                      Open Today  Locations & Hours                   

A free account for anyone!

  • $50 minimum to open
  • No minimum balance requirements
  • No monthly service fees
  • MasterCard® Debit Card Available
  • eStatements available
  • Unlimited check writing (First box of checks free!)

Free ATM Access to all Cincinnati Federal, Fifth Third®, and MoneyPass® Networks nationwide. Plus, access your account, make deposits, and pay your bills online and through mobile banking.

Direct Plus Checking                                       Open Today  Locations & Hours                   

A free checking that rewards you for having a direct deposit or automatic withdrawal.

  • $50 minimum to open
  • No minimum balance requirements
  • No monthly service fees
  • MasterCard® Debit Card Available
  • eStatements available
  • Unlimited check writing (First box of checks free!)
  • Interest paid each month a direct deposit or automatic withdrawal posts to the account. Click here to view rates.

Free ATM Access to all Cincinnati Federal, Fifth Third®, and MoneyPass® Networks nationwide. Plus, access your account, make deposits, and pay your bills online and through mobile banking.

Interest Plus Checking                                     Open Today  Locations & Hours                   

An account designed for those interested in higher interest.

  • $1500 minimum to open
  • Interest paid on balances of $1500 or more
  • Unlimited check writing
  • First box of checks is free
  • MasterCard® Debit Card Available
  • eStatements available
  • Tiered interest rate based off of the balance in the account. Click here to view rates.
  • Only $10 monthly charge if the account falls below $1500*

Free ATM Access to all Cincinnati Federal, Fifth Third®, and MoneyPass® Networks nationwide. Plus, access your account, make deposits, and pay your bills online and through mobile banking.

50 Plus Checking                                             Open Today  Locations & Hours                   

A free checking for our customers that are 50 and wiser.

  • $50 minimum to open
  • No minimum balance requirements
  • No monthly service fees
  • Interest Bearing account. Click here to view rates.
  • MasterCard® Debit Card Available
  • eStatements available
  • Free checks
  • Unlimited check writing

Free ATM Access to all Cincinnati Federal, Fifth Third®, and MoneyPass® Networks nationwide. Plus, access your account, make deposits, and pay your bills online and through mobile banking.

Fifth Third® ATM Locator at www.53.com

MoneyPass® ATM Locator at www.moneypass.com

*In order for you to have time to get established, you will not be charge any fees for the first two months.

 


 

Savings Accounts

Watch your nest egg grow when you put money aside with us. Everyone knows you should save and diversify to build a sound financial future and we're here to help make it easier on you. Whether you are looking for easy access or trying to take the guesswork out of retirement planning, it's all about taking control of your money, and Cincinnati Federal can show you how to reach your goals.

 

Let us ask you a few questions to get you started.

Number 1

Want to get rid of the clutter while having remote access to your account?

  Arrow a Check out our e-Savings account for electronic statements and instant access.
Number 2

Looking for something flexible and easily accessible but aren't ready to Go Green quite yet?

  Arrow a Check out the Statement Savings, very similar to the e-Savings, but has the traditional appeal of a paper statement.
Number 3

Are you a big saver or do you want to earn more interest?

  Arrow a Check out the Interest Plus Savings options.
Number 4

Need a little extra help saving for the holidays?

  Arrow a Take a look at our Christmas Savings.
Number 5

Ready to start planning for retirement, pay for education expenses, or build a legacy?

  Arrow a Put some time aside to chat with our investment representative.

Statement Accounts

e-Savings                                                                                                                          Click here to view rates.

  • $50 to Open
  • eStatements Required
  • Online and Mobile Banking accessible
  • ATM accessible
  • Tiered Interest Rate
  • Only $3 fee if balance falls below $200*

 

Statement Savings                                                                                                          Click here to view rates.

  • $200 to Open
  • eStatement Available
  • Online and Mobile Banking accessible
  • ATM accessible
  • Tiered Interest Rate
  • Only $5 fee if balance falls below $200*

 

Interest Plus Statement Savings                                                                                      Click here to view rates.

  • $2500 to Open
  • eStatement Available
  • Online and Mobile Banking accessible
  • ATM accessible
  • Tiered Interest Rate
  • Only $10 fee if balance falls below $2500*

*In order for you to have time to get established, you will not be charged any fees for the first month.

Passbook Accounts

Passbook Savings                                                                                                              Click here to view rates.

  • $200 to Open
  • Passbook Account
  • Tiered Interest Rate
  • Only $5 fee if balance falls below $200*

 

Interest Plus Passbook Savings                                                                                        Click here to view rates.

  • $2500 to Open
  • Passbook Account
  • Tiered Interest Rate
  • Only $10 fee if balance falls below $2500*

 

Christmas Savings                                                                                                           Click here to view rates.

  • $25 to Open
  • Passbook Account
  • If you didn't guess it from the name, this account is a helpful tool to save for Christmas. Only deposits are allowed throughout the year, then interest will accrue and is paid annually, in October. All funds in the account at that point are then disbursed, either by check or direct deposit to another Cincinnati Federal account, for you to begin your holiday shopping. After funds are disbursed, the account will remain open for you to start adding next year's holiday cheer!

*In order for you to have time to get established, you will not be charged any fees for the first month.

Certificates of Deposit

  • Terms range from 3 months to 10 years
  • $500 to Open
  • Issued either a paper certificate or passbook
  • Fixed interest rate for the term of the CD
  • 9 day grace period after maturity
  • Automatic renewal to the same term at the current rate after the grace period expires.
  • No interim deposits
  • Interest is credited to the account quarterly but can be paid by check or direct deposit monthly upon request.
  • Withdrawal penalty of one half of the term's interest, earned or unearned.

Individual Retirement Accounts (IRA)

We offer a number of various retirement products that can benefit you. Give us a call for more information.