Lending Rates
Eff. 05/01/26
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Mortgages & Refis
For Owner Occupied, Single Family Homes
$400 Non-Refundable application fee required; 31 day rate lock. Minimum loan $10,000; No annual fees.
| Tier | LTV | 10 Yrs. | 15 Yrs. | 30 Yrs. |
|---|---|---|---|---|
|
Tier
A+ |
LTV
90% |
10 Yrs.
4.75% |
15 Yrs.
5.00% |
30 Yrs.
5.50% |
|
Tier
A |
LTV
85% |
10 Yrs.
4.85% |
15 Yrs.
5.10% |
30 Yrs.
5.60% |
|
Tier
B |
LTV
80% |
10 Yrs.
4.95% |
15 Yrs.
5.20% |
30 Yrs.
5.70% |
|
Tier
C |
LTV
80% |
10 Yrs.
5.70% |
15 Yrs.
5.95% |
30 Yrs.
6.45% |
|
Tier
D, E |
LTV
75% |
10 Yrs.
7.00% |
15 Yrs.
7.25% |
30 Yrs.
7.75% |
|
Tier
$1,000 Closing Cost Credit allowance for New MortgagesLTV= Loan to Value |
Home Equity Loans & Line of Credit
For Owner Occupied, Single Family Homes
$400 Non-Refundable application fee required; 31 day rate lock
minimum loan or line of credit $5,000; no annual fees.
| Credit | Fixed Loan Rate | Variable | |||
|---|---|---|---|---|---|
| Tier | LTV | 7 Yrs. | 10 Yrs. | 12 Yrs. | Credit Line |
|
Credit
A+ |
LTV
80% |
7 Yrs.
6.00% |
10 Yrs.
6.50% |
12 Yrs.
7.00% |
Credit Line
7.75% |
|
Credit
A |
LTV
80% |
7 Yrs.
6.10% |
10 Yrs.
6.60% |
12 Yrs.
7.10% |
Credit Line
7.75% |
|
Credit
B |
LTV
80% |
7 Yrs.
6.20% |
10 Yrs.
6.70% |
12 Yrs.
7.20% |
Credit Line
7.75% |
|
Credit
C |
LTV
80% |
7 Yrs.
6.45% |
10 Yrs.
6.95% |
12 Yrs.
7.45% |
Credit Line
7.75% |
|
Credit
D, E |
LTV
75% |
7 Yrs.
6.75% |
10 Yrs.
7.25% |
12 Yrs.
7.75% |
Credit Line
7.75% |
LTV = Loan to Value
Vehicle Loans
NO PREPAYMENT PENALTIES!
AUTO Financing up to 110% LTV
Models Years:
2023-2025 66 mos; 2021-2022 60 mos; 2019-2020 54 mos; 2016-2018 48 mos, & Older 36 mos
Extended terms up to 84 mos. add .50% APR ($35,000 Min.) 2023-2025
Extended terms up to 72 mos. add .25% APR ($25,000 Min.) 2023-2025
RV Financing up to 100% A+ & A Tiers; 95% B &C Tiers
| Credit | NEW AUTO | USED AUTO | RV LOANS |
|---|---|---|---|
|
Credit
Tier/LTV |
NEW AUTO
up to 66 mos |
USED AUTO
up to 66 mos |
RV LOANS
TERMS |
|
Credit
A+/ 110% |
NEW AUTO
5.25% |
USED AUTO
6.25% |
RV LOANS
7.25% |
|
Credit
A / 105% |
NEW AUTO
5.35% |
USED AUTO
6.35% |
RV LOANS
7.40% |
|
Credit
B / 100% |
NEW AUTO
5.50% |
USED AUTO
6.50% |
RV LOANS
7.55% |
|
Credit
C / 100% |
NEW AUTO
5.65% |
USED AUTO
6.65% |
RV LOANS
8.05% |
|
Credit
D / 95% |
NEW AUTO
7.15% |
USED AUTO
8.15% |
RV LOANS
n/a |
|
Credit
E / 90% |
NEW AUTO
7.75% |
USED AUTO
8.75% |
RV LOANS
n/a |
|
Credit
Second Chance / 90% |
NEW AUTO
9.00% |
USED AUTO
10.00% |
RV LOANS
n/a |
|
Credit
Second Chance Consideration = Minimum Credit Credit Score of 550Rate Discounts Available: Automatic Payment Debit(s) -.25% or Diamond Club -1.00% |
* Diamond Club Members are full service members who have
a Share Savings account, Share Draft Checking account, Visa Debit card and a VISA Credit Card
** Automatic Debit Discount applies to Greater Cincinnati Credit Union deposit accounts
and only one discount (either automatic debit or Diamond Club) allowed per loan.
APR= Annual Percentage Rate
LTV= Loan to Value.
Personal Home Improvement Loans
Home Improvement Loans Up to 84 months.
Personal Loans up to 72 months.
| Tier | Regular Rate | Diamond Club* | Maximum Limits |
|---|---|---|---|
|
Tier
A+ |
Regular Rate
10.50% |
Diamond Club*
9.50% |
Maximum Limits
$20,000 |
|
Tier
A |
Regular Rate
10.65% |
Diamond Club*
9.65% |
Maximum Limits
$20,000 |
|
Tier
B |
Regular Rate
11.15% |
Diamond Club*
10.15% |
Maximum Limits
$15,000 |
|
Tier
C |
Regular Rate
12.15% |
Diamond Club*
11.15% |
Maximum Limits
$10,000 |
|
Tier
D |
Regular Rate
12.85% |
Diamond Club*
11.85% |
Maximum Limits
$7,500 |
|
Tier
E |
Regular Rate
13.85% |
Diamond Club*
12.85% |
Maximum Limits
$5,000 |
|
Tier
Discount : Automatic Debit(s) -0.25% APR Eligible |
* Diamond Club Members are full service members who have
a Share Savings account, Share Draft Checking account, VISA Debit Card and a VISA Credit Card
** Automatic Debit Discount applies to Greater Cincinnati Credit Union deposit accounts
and only one discount (either automatic debit or Diamond Club) allowed per loan.
APR=Annual Percentage Rate
Short Term Personal Loan
Minimum Loan Amount $500
Terms up to 18 Mos.
| Tier | Regular Rate | Diamond Club* | Maximum Limits |
|---|---|---|---|
|
Tier
A+ |
Regular Rate
8.50% |
Diamond Club*
7.50% |
Maximum Limits
$7,500 |
|
Tier
A |
Regular Rate
8.65% |
Diamond Club*
7.65% |
Maximum Limits
$6,500 |
|
Tier
B |
Regular Rate
8.80% |
Diamond Club*
7.80% |
Maximum Limits
$5,500 |
|
Tier
C |
Regular Rate
10.00% |
Diamond Club*
9.00% |
Maximum Limits
$4,500 |
|
Tier
D |
Regular Rate
11.25% |
Diamond Club*
10.25% |
Maximum Limits
$4,000 |
|
Tier
E |
Regular Rate
11.95% |
Diamond Club*
10.95% |
Maximum Limits
$3,500 |
|
Tier
Second Chance |
Regular Rate
12.75% |
Diamond Club*
11.75% |
Maximum Limits
$3,000 |
|
Tier
Rate Discount : Automatic Debit(s) -0.25% APR Eligible |
* Diamond Club Members are full service members who have
a Share Savings account, Share Draft Checking account, Visa Debit Card and a VISA Credit Card
** Automatic Debit Discount applies to Greater Cincinnati Credit Union deposit accounts
and only one discount (either automatic debit or Diamond Club) allowed per loan.
APR=Annual Percentage Rate
Visa Credit Card
 |
Regular Rate | Diamond Club* | Maximum Limits |
|---|---|---|---|
|
Tier
Tier |
Regular Rate
Rate |
Diamond Club*
Club* |
Maximum Limits
Limits |
|
Tier
A+ |
Regular Rate
11.90% |
Diamond Club*
9.90% |
Maximum Limits
$25,000 |
|
Tier
A |
Regular Rate
11.90% |
Diamond Club*
9.90% |
Maximum Limits
$20,000 |
|
Tier
B |
Regular Rate
13.90% |
Diamond Club*
11.90% |
Maximum Limits
$17,500 |
|
Tier
C |
Regular Rate
15.90% |
Diamond Club*
13.90% |
Maximum Limits
$12,000 |
|
SHARE SECURED VISA CARD AVAILABLE
|
|||
* Diamond Club Members are full service members who have
a Share Savings account, Share Draft Checking account, VISA Debit Card and a VISA Credit Card
** Automatic Debit Discount applies to Greater Cincinnati Credit Union deposit accounts
and only one discount (either automatic debit or Diamond Club) allowed per loan.
Personal Line of Credit
Personal Line of Credit Loan
| Tier | Regular Rate | Diamond Club* | Maximum Limits |
|---|---|---|---|
|
Tier
A+ |
Regular Rate
10.90% |
Diamond Club*
8.90% |
Maximum Limits
$15,000 |
|
Tier
A |
Regular Rate
11.90% |
Diamond Club*
9.90% |
Maximum Limits
$15,000 |
|
Tier
B |
Regular Rate
12.90% |
Diamond Club*
10.90% |
Maximum Limits
$12,000 |
|
Tier
C |
Regular Rate
14.90% |
Diamond Club*
12.90% |
Maximum Limits
$7,500 |
|
Tier
D |
Regular Rate
16.90% |
Diamond Club*
14.90% |
Maximum Limits
$5,000 |
|
Tier
E |
Regular Rate
17.90% |
Diamond Club*
15.90% |
Maximum Limits
$3,000 |
* Diamond Club Members are full service members who have
a Share Savings account, Share Draft Checking account, VISA Debit Card and a VISA Credit Card
** Automatic Debit Discount applies to Greater Cincinnati Credit Union deposit accounts
and only one discount (either automatic debit or Diamond Club) allowed per loan.
APR=Annual Percentage Rate
Collateralized Loans
Collateralized Loans
|
Shared Secured Loan up to 8 years
Shared Secured Loan up to 8 years |
4.00%
4.00% |
|
Shared Secured Loan up to 8 years
Certificate Secured Loan (up to term of CD & CD rate +) |
4.00%
4.00% |
Saving & Investment Rates
Effective 05/01/26
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Basic Member Programs
Minimum Balance $5. Dividends Paid Monthly.
| Description | Dividend Rate (a) | APY (b) |
|---|---|---|
|
Description
Regular Share |
Dividend Rate (a)
0.05% |
APY (b)
0.05% |
|
Description
Youth Account (c) |
Dividend Rate (a)
0.20% |
APY (b)
0.20% |
(a) Dividend rate is calculated on a daily basis
(b) Annual Percentage Yield based on dividends accumulating to account
(c) Youth Account defined as being under 16 years of age
Regular Share Certificates
Minimum Balance $300. Dividends Paid Monthly.
| Term | Dividend Rate (a) | APY (b) |
|---|---|---|
|
Term
6 Months |
Dividend Rate (a)
3.25% |
APY (b)
3.30% |
|
Term
1 Year (12 mos.) |
Dividend Rate (a)
3.25% |
APY (b)
3.30% |
|
Term
2 Years (24 mos.) |
Dividend Rate (a)
3.20% |
APY (b)
3.25% |
|
Term
30 Months |
Dividend Rate (a)
3.20% |
APY (b)
3.25% |
|
Term
3 Years (36 mos.) |
Dividend Rate (a)
3.15% |
APY (b)
3.20% |
|
Term
4 Years (48 mos.) |
Dividend Rate (a)
3.15% |
APY (b)
3.20% |
|
Term
5 Years (60 mos.) |
Dividend Rate (a)
3.15% |
APY (b)
3.20% |
|
Term
6 Years (72 mos.) |
Dividend Rate (a)
3.15% |
APY (b)
3.20% |
(a) Dividend rate is calculated on a daily basis
(b) Annual Percentage Yield based on dividends accumulating to account
All Term Certificates are subject to penalties for early withdrawal.
IRA Passbook Accounts
Minimum Balance $25. Dividends Paid Monthly.
IRA’s may also be invested in a Share Certificate of at least a 1 yr. term.
| Description | Dividend Rate (a) | APY (b) |
|---|---|---|
|
Description
Traditional |
Dividend Rate (a)
0.10% |
APY (b)
0.10% |
|
Description
Roth |
Dividend Rate (a)
0.15% |
APY (b)
0.15% |
|
Description
Educational |
Dividend Rate (a)
0.25% |
APY (b)
0.25% |
(a) Dividend rate is calculated on a daily basis
(b) Annual Percentage Yield based on dividends accumulating to account.
Holiday & Vacation Club Accounts
Holiday and Vacation Club Accounts (minimum term 1 year)
Minimum Balance $10
| Description | Dividend Rate (a) | APY (b) | Account Matures/Dividends Paid |
|---|---|---|---|
|
Description
Holiday Club |
Dividend Rate (a)
0.50% |
APY (b)
0.50% |
Account Matures/Dividends Paid
11/1/2026 |
|
Description
Vacation Club |
Dividend Rate (a)
0.50% |
APY (b)
0.50% |
Account Matures/Dividends Paid
5/1/2027 |
(a) Dividend rate is calculated on a daily basis
(b) Annual Percentage Yield based on dividends accumulating to account
Health Savings Accounts
HSA’s may also be invested in a Share Certificate of at least a 1 yr. term.
| Description | Dividend Rate (a) | APY (b) |
|---|---|---|
|
Description
Dividend Paid Monthly |
Dividend Rate (a)
0.15% |
APY (b)
0.15% |
(a) Dividend rate is calculated on a daily basis
(b) Annual Percentage Yield based on dividends accumulating to account
Money Market Account
Minimum Balance $300. Dividends Paid Monthly.
$2,500 Minimum Balance to Earn Dividends.
| Description | Dividend Rate (a) | APY (b) | Account Balance |
|---|---|---|---|
|
Description
Tier 1 |
Dividend Rate (a)
1.65% |
APY (b)
1.66% |
Account Balance
$2,500 – $24,999 |
|
Description
Tier 2 |
Dividend Rate (a)
1.75% |
APY (b)
1.76% |
Account Balance
$25,000 – $49,999 |
|
Description
Tier 3 |
Dividend Rate (a)
2.00% |
APY (b)
2.02% |
Account Balance
$50,000 – $74,999 |
|
Description
Tier 4 |
Dividend Rate (a)
2.15% |
APY (b)
2.17% |
Account Balance
$75,000 – higher |
(a) Dividend rate is calculated on a daily basis
(b) Annual Percentage Yield based on dividends accumulating to account
Diamond Club Certificates
Diamond Club members are full service members with a
Share Savings Account, Share Draft Checking Account, Visa Debit Card and VISA Credit Card.
Minimum Deposit $300. Dividends Paid Monthly.
| Term | Dividend Rate (a) | APY (b) |
|---|---|---|
|
Term
1 Year |
Dividend Rate (a)
3.75% |
APY (b)
3.82% |
|
Term
2 Years |
Dividend Rate (a)
3.70% |
APY (b)
3.76% |
|
Term
3 Years |
Dividend Rate (a)
3.65% |
APY (b)
3.71% |
|
Term
5 Years |
Dividend Rate (a)
3.65% |
APY (b)
3.71% |
|
Term
6 Years |
Dividend Rate (a)
3.65% |
APY (b)
3.71% |
(a) Dividend rate is calculated on a daily basis
(b) Annual Percentage Yield based on dividends accumulating to account
All Term Certificates are subject to penalties for early withdrawal.
Jumbo Share Certificates
Minimum Deposit $100,000. Dividends Paid Monthly.
| Term | Dividend Rate (a) | APY (b) |
|---|---|---|
|
Term
6 Months |
Dividend Rate (a)
3.60% |
APY (b)
3.66% |
(a) Dividend rate is calculated on a daily basis
(b) Annual Percentage Yield based on dividends accumulating to account
All Term Certificates are subject to penalties for early withdrawal.
One Up Share Certificates
Minimum Deposit $1,000. Dividends Paid Monthly.
Provides members with a one time option to raise the dividend rate for the remainder of the term of the certificate.
| Description | Dividend Rate (a) | APY (b) |
|---|---|---|
|
Description
30 Months |
Dividend Rate (a)
3.20% |
APY (b)
3.25% |
|
Description
4 Years |
Dividend Rate (a)
3.15% |
APY (b)
3.20% |
|
Description
6 Years |
Dividend Rate (a)
3.15% |
APY (b)
3.20% |
(a) Dividend rate is calculated on a daily basis
(b) Annual Percentage Yield based on dividends accumulating to account
All Term Certificates are subject to penalties for early withdrawal.