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SAVING & INVESTMENT RATES

Eff. 03/01/26

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BASIC MEMBER PROGRAMS

Minimum Balance $5 dividends paid monthly
Dividend Rate (a) APY (b)
Regular Share 0.05% 0.05%
Youth Account (c) 0.20% 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)
6 Months 3.25% 3.30%
1 Year (12 mos.) 3.25% 3.30%
2 Years (24 mos.) 3.20% 3.25%
30 Months 3.20% 3.25%
3 Years (36 mos.) 3.15% 3.20%
4 Years (48 mos.) 3.15% 3.20%
5 Years (60 mos.) 3.15% 3.20%
6 Years (72 mos.) 3.15% 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.
Dividend Rate (a) APY (b)
Traditional 0.10% 0.10%
Roth 0.15% 0.15%
Educational 0.25% 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
Dividend Rate (a) APY (b) Account Matures/Dividends Paid
Holiday Club 0.50% 0.50% 11/1/2025
Vacation Club 0.50% 0.50% 5/1/2026

(a) Dividend rate is calculated on a daily basis

(b) Annual Percentage Yield based on dividends accumulating to account

HEALTH SAVINGS ACCOUNT

HSA’s may also be invested in a Share Certificate of at least a 1 yr. term.
Dividend Rate (a) APY (b)
Dividend Paid Monthly 0.15% 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
Dividend Rate (a) APY (b) Account Balance
Tier 1 1.65% 1.66% $2,500 – $24,999
Tier 2 1.75% 1.76% $25,000 – $49,999
Tier 3 2.00% 2.02% $50,000 – $74,999
Tier 4 2.15% 2.17% $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)
1 Year 3.75% 3.82%
2 Years 3.70% 3.76%
3 Years 3.65% 3.71%
5 Years 3.65% 3.71%
6 Years 3.65% 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)
6 Months 3.60% 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.
Dividend Rate (a) APY (b)
30 Months 3.20% 3.25%
4 Years 3.15% 3.20%
6 Years 3.15% 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.

LENDING RATES

Eff. 03/01/26

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VISA CREDIT CARD
 VISA Regular Diamond Maximum
Tier Rate Club* Limits
A+ 11.90% 9.90% $25,000
A 11.90% 9.90% $20,000
B 13.90% 11.90% $17,500
C 15.90% 13.90% $12,000

SHARE SECURED VISA CARD AVAILABLE

VISA

* 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

VEHICLE LOANS

715 

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
Tier/LTV up to 66 mos up to 66 mos TERMS 
A+/ 110% 5.25% 6.25% 7.25%
A / 105% 5.35% 6.35% 7.40%
B / 100% 5.50% 6.50% 7.55%
C / 100% 5.65% 6.65% 8.05%
D / 95% 7.15% 8.15% n/a
E / 90% 7.75% 8.75% n/a
Second Chance / 90% 9.00% 10.00% n/a

Second Chance Consideration = Minimum Credit Credit Score of 550

Rate Discounts Available: Automatic Payment Debit(a) -.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

 

(a) 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. 

 

SHORT TERM PERSONAL LOAN

Minimum Loan Amount $500

Terms up to 18 Mos.
  Regular Diamond Maximum
Tier Rate Club* Limits
A+ 8.50% 7.50% $7,500
A 8.65% 7.65% $6,500
B 8.80% 7.80% $5,500
C 10.00% 9.00% $4,500
D 11.25% 10.25% $4,000
E 11.95% 10.95% $3,500
Second Chance 12.75% 11.75% $3,000

Rate Discount : Automatic Debit(a)  -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

APR=Annual Percentage Rate

PERSONAL & HOME IMPROVEMENT LOANS

Home Improvement Loans Up to 84 months

Personal Loans up to 72 months
Regular Diamond Maximum
Tier Rate Club* Limits
A+ 10.50% 9.50% $20,000
A 10.65% 9.65% $20,000
B 11.15% 10.15% $15,000
C 12.15% 11.15% $10,000
D 12.85% 11.85% $7,500
E 13.85% 12.85% $5,000

Discount : Automatic Debit(a)  -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

APR=Annual Percentage Rate

PERSONAL LINE OF CREDIT (P.L.C.)

Personal Line of Credit Loan
Regular Diamond Maximum
Tier Rate Club* Limits
A+ 10.90% 8.90% $15,000
A 11.90% 9.90% $15,000
B 12.90% 10.90% $12,000
C 14.90% 12.90% $7,500
D 16.90% 14.90% $5,000
E 17.90% 15.90% $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

APR=Annual Percentage Rate

1ST MORTGAGES

5555097

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.
A+ 90% 4.75% 5.00% 5.50%
A 85% 4.85% 5.10% 5.60%
B 80% 4.95% 5.20% 5.70%
C 80% 5.70% 5.95% 6.45%
D, E 75% 7.00% 7.25% 7.75%

$1,000 Closing Cost Credit allowance for New Mortgages

LTV= Loan to Value

 

HOME EQUITY

7

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 Rate Loan Variable
Tier LTV 7 Yrs. 10 Yrs. 12 Yrs. Credit Line
A+ 80% 6.00% 6.50% 7.00% 7.75%
A 80% 6.10% 6.60% 7.10% 7.75%
B 80% 6.20% 6.70% 7.20% 7.75%
C 80% 6.45% 6.95% 7.45% 7.75%
D, E 75% 6.75% 7.25% 7.75% 7.75%

LTV= Loan to Value

COLLATERALIZED LOANS

Collateralized Loans
Shared Secured Loan up to 8 years 4.00%
Certificate Secured Loan (up to term of CD & CD rate +) 4.00%

We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.

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