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Cincinnati Interagency Credit Union

Overview
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Cincinnati Interagency Credit Union is a federal credit union based in Cincinnati, Ohio. It has been opened since 1951, for 69 years.

With around $29,630,000 in assets, Cincinnati Interagency Credit Union is considered to be an average size credit union.

About
Address 26 Martin Luther King Drive #G4
Cincinnati, Ohio 45220
Website http://www.cifcu.org
Phone (513) 569-7878
Fax (513) 569-7836
CEO Karen E. Anderson
President of the Board John Yacher
Services Offered
Map
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Score Card
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69 years
Years in business
Opened in 1951
Well Capitalized
Net worth classification
Source: NCUA
2,596 members
Membership type: Multiple common bond – primary federal, state, local government
Average number of members
371:1
Credit union member to staff ratio
371 per each FTE employee
Compared to 411:1 nationally
Average number of staff
$29,632,525
Total assets
Average size
3 branches
Compared with an average of 4 nationally and 3 in Ohio
Above average number of branches
0.05%
Savings interest rate
Compared to 0.3% nationally
11.75%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
Branches
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3 branches
Compared with an average of 4 nationally and 3 in Ohio
Above average number of branches
Cincinnati Interagency Credit Union Branch Locations

Cincinnati Interagency Credit Union: Branch-Hamilton
5555 Ridge Avenue
Cincinnati, Ohio 45213
No ATM
Cincinnati Interagency Credit Union: Branch-Taft
4676 Columbia Parkway
Cincinnati, Ohio 45226
No ATM
Cincinnati Interagency Credit Union: Main Office
26 Martin Luther King Drive W.
Cincinnati, Ohio 45220
No ATM
Members
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2,596 members
Membership type: Multiple common bond – primary federal, state, local government
Average number of members

With 2,596 members, the Cincinnati Interagency Credit Union is considered to be a medium size credit union. It is larger than 41% of credit unions.

Fees
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$38
Average fee per member
The average fee per member at the Cincinnati Interagency Credit Union is $38, which is comparable to most credit unions. This rate is lower than 58% of all credit unions.
Fees are average

Credit unions, like banks, charge members various fees, such as overdraft fees, ATM fees, credit card fees, inactivity or dormat account fees, and more.

The average fee per member gives you a general sense of how much you might pay in fees as a member of the Cincinnati Interagency Credit Union. Some credit unions tend to charge more fees, while others charge less.

Staff
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371:1
Credit union member to staff ratio
371 per each FTE employee
Compared to 411:1 nationally
Average number of staff
7 staff members
FTE (full-time equivalent)
0% of employees are part-time
7 full-time, 0 part-time

Cincinnati Interagency Credit Union has 7 full-time staff members and 0 part-time staff members.

The number of members relative to staff members is an indication of how well staffed the credit union is. Cincinnati Interagency Credit Union has around 371 members per staff, an average ratio compared to other credit unions. This is a somewhat well staffed credit union.

Assets
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$29,632,525
Total assets
Average size
Net worth
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Well Capitalized
Net worth classification
Source: NCUA
A well capitalized credit union has a net worth ratio of 7% or greater and also meets applicable risk-based net worth requirements, according to the National Credit Union Administration.
13.0%
Net worth ratio
A higher net worth ratio is better.
Compared to an average of 13.6% nationally

A credit union's net worth ratio is one of the most important metrics you should consider when deciding whether to join a credit union. Why? It's a measure of financial strength

The net worth ratio is equal to a credit union's net worth divided by its assets. According to the National Credit Union Administration, a minimum net worth ratio of 7% is required to be considered to be a well capitalized credit union.

Loans & leases
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$5,034
Average loan and lease size
Loan & lease sizes are very small. They are smaller than at 90% of credit unions.

Cincinnati Interagency Credit Union holds a total of $13,050,000 in loans and leases, which is about $5,034 per member on average.

Savings interest rate
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0.05%
Savings interest rate
Compared to 0.3% nationally

A credit union share account is an account at a credit union. It's called a share account because the credit union is member owned and as a result, members own shares in the credit union.

A share savings account pays you interest on your savings, similar to a savings account at a bank. The interest you receive can vary. Cincinnati Interagency Credit Union pays 0.05%.

Loan rates
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11.75%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
9.49%
Unsecured non-credit card loan interest rate
Compared to 11.2% nationally
3.05%
Other secured non-real estate loans and lines of credit interest rate
Compared to 5.3% nationally
Car loan rates
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4.24%
New car loan rate
Compared to 4.0% nationally
4.74%
Used car loan rate
Compared to 5.2% nationally
Mortgage rates
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6.00%
Mortgage rate (secured by junior lien)
Compared to 3.4% nationally
4.00%
Mortgage rate (secured by 1st lien)
Compared to 3.3% nationally