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Savings AccountsSavings Certificates | Individual Retirements Arrangements (IRA’s)


Savings Accounts

Cincinnati Employees Credit Union offers a wide variety of savings accounts (otherwise known as share accounts) to fit your needs. Once you open a share account, you establish yourself as an owner of the Credit Union, so make sure you take advantage of this status and attend our Annual Meetings.  These meetings are held in the Harrison area each March. Once you have joined, all our products and services are available not only to you, but your family members as well!  Your account can conveniently accept payroll deductions or be funded through direct deposits. You will receive a quarterly statement or a convenient e-statement. Dividends are calculated daily and posted quarterly.  We have a “tiered” rate structure, so the more you save; the higher your dividend rate will be.  You may access your account in person or use our convenient online banking and mobile apps.  Since we work exclusively for YOU at a non-profit level, we have no monthly service fees on any of our savings, IRA or Certificate accounts.  We have no loan application fees.  Call us at 513-367-4495, or stop by the office for more information.  We'd love to have you as a member!

Regular Share Savings
This is your basic savings account. There is no minimal balance required other than the $5 initial membership deposit.  Convenient Direct Deposit and Payroll Deduction plans make saving easy!  Earnings are based on three tiers, depending on the account balance. The three tiers are:
Tier 1:  Balance up to $999
Tier 2:  Balance of $1,000 to $4,999
Tier 3:  Balance of $5,000 and above.

Christmas Clubs
The Christmas season can be much less stressful when you save a little with each paycheck!  This account may be opened with any deposit and is a great way to save for the holidays. You decide the amount you want to save. Watch it "build up" with regular deposits and dividends that are paid quarterly. This account will pay out each October – you may request a check or we can transfer the money to either your savings or your checking account. This is a WONDERFUL  savings tool, especially for families on a budget.  Call us and we can help you set up a plan today.

Vacation Clubs
Family vacations can create such wonderful memories and our Vacation Club Accounts can help make that vacation a reality.  These accounts are set up like the Christmas club account with easy deposits each paycheck.  However, the Vacation Club accounts are self-directed by each member, so the funds are there when you are ready to travel.  There are no fees, no service charges…simply set up the account and begin to plan your vacation. It is so much easier to save for a vacation than to put it on a credit card and have to cope with the finance charges and payments after you get back home!

Special Savings Accounts
What would you like to save for? A wedding? College tuition? A new car?  Regular deposits to a special savings account can help you reach your goal. Dividends are earned daily, paid and compounded quarterly.

Savings Calculator
Consistent investments over a number of years can be an effective strategy to accumulate wealth. Even small additions to your savings add up over time. This calculator demonstrates how to put this savings strategy to work for you. Click here to use this calculator.

Savings Goals
What will it take to help reach your savings goals? This financial calculator helps you find out. Click here to use this calculator.

Description APR APY
Savings Account:
$5.00 - $999.99 0.20% 0.20%
$1000.00 - $4999.99 0.25% 0.25%
$5000.00 and above 0.40% 0.40%



Savings Certificates

Banks call them CDs, the Credit Union calls them Share Certificates. Share Certificates can be purchased for a variety of rates and terms. By investing in a Credit Union certificate of deposit, you earn a higher dividend than the regular share account. You must deposit a minimum of $1000.00 to open a certificate.  You can direct your certificate dividends to be paid back into the certificate, into your regular share account, or we can mail a check. Certificates are subject to an early withdrawal penalty.  The rates are set each month by your Board of Directors.  As with all of our accounts, your funds are protected up to $250,000 by the NCUA. *** For more information on your Federal Share Insurance, go to

Description APR APY
Certificates of Deposit (Share Certificates)
6 months 4.19% 4.25%
12 months 2.50% 2.52%
24 months 2.70% 2.72%
36 months 2.90% 2.93%



Individual Retirements Arrangements (IRA’s)

Are you saving enough for retirement?  Need some help?  Open up either a Roth or Traditional IRA and you'll be on your way toward a more comfortable future.  Choose to save for your retirement in small steps with an IRA savings account or in larger increments with an IRA share certificate.

We offer competitive rates and as always, no annual fees or service charges. For your safety and peace of mind, all of our accounts are insured for $250,000 by the NCUA. With our great rates and flexible terms, it is never too late to start saving for your future.

ira accounts APR APY
IRA Accounts
IRA Savings 0.40% 0.40%
12 month CD 2.60% 2.62%
24 month CD 2.80% 2.82%
36 month CD 3.00% 3.03%