Certificate rate today: 4.20% APY·Updated Feb 20, 2026
Hello! We're here to assist you in achieving your goals, whether they involve personal banking, loans, or financial education. Member-owned in Greater Cincinnati since 1960.
Share certificate
You earn
+$420
4.20% APY promo, new money
At 0.50% APY
+$50
a typical savings account
Balance at maturity
$10,420.00
Estimates assume dividends compound annually and are held to maturity. $500 minimum. Federally insured by NCUA to at least $250,000. Rates subject to change.
Partners, networks, and the people we show up for
CO-OP Shared BranchingAlliance One ATMsCloverTruStageBanzai
CO-OP Shared BranchingAlliance One ATMsCloverTruStageBanzaiChecking
Sharefax will post any ACH deposit up to two business days early. Social Security, tax refunds, and more. No cost, no gimmicks, no enrollment required!
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Open a 12-month certificate of deposit and earn 4.20% APY. New money only, $500 minimum.
Open a certificateAuto loans
Cars, trucks, motorcycles, boats, RVs, and campers. Get pre-approved before you shop.
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Home loans
We want to help make your next move a little easier and a lot more affordable. Fixed, adjustable, HELOCs, and a first-time home buyer program.
See mortgage options
Credit cards
From coffee runs to everyday purchases, our card is designed to be the one you reach for first. Tap to pay with Apple Pay, Google Pay, or Garmin Pay.
Compare cards•••• •••• •••• 4208
Business
Every penny counts when it comes to your business. Classic and Preferred Business Checking, Clover merchant services, business credit cards, and HSAs.
Business banking
Clover · Today
$3,284.50
Deposited to Preferred Business Checking
Updated Feb 20, 2026
6 months
Min $500
3.25% APY
11 months, no penalty
Min $10,000
3.50% APY
12 months
Min $500
3.65% APY
12 months promoPromo
Min $500 new money
4.20% APY
24 months
Min $500
3.78% APY
48 months
Min $500
3.60% APY
Updated Jul 31, 2026
2023 & newer, up to 63 mo
5.49% APR
2023 & newer, up to 75 mo
6.24% APR
2023 & newer, up to 84 mo
6.74% APR
2020–2022, up to 63 mo
6.44% APR
Motorcycle / ATV, up to 48 mo
9.00% APR
Signature loan
8.75% APR
Updated Mar 12, 2026
Maximizer, $100,000+
2.00% APY
Maximizer, $25,000+
1.25% APY
Maximizer, $10,000+
1.10% APY
Champion Savers (17 & under)
0.30–0.70% APY
IRA / SEP, $25,000+
0.65% APY
Regular / Club
0.05% APY
APY = Annual Percentage Yield. APR = Annual Percentage Rate. Rates shown are “as low as” and subject to change. Sharefax Credit Union NMLS #414408.
Financial wellness. Free Banzai courses, budgeting tools, and one-on-one credit counseling for every member.
Explore BanzaiInsurance options. TruStage auto and home, AD&D, debt protection with Life Plus, and mechanical breakdown coverage.
See coverageMember discounts. Savings on everyday brands, plus Skip-A-Pay on qualifying loans when you need it.
View discountsFraud protection. Continuous monitoring, free e-alerts, and identity theft protection built into Rewards Checking.
How we protect you
Everything you need to manage your money, all in one place. Log in to mobile or online banking to check balances, transfer funds, pay bills, and keep your finances on track.
Or enroll in online banking on the web.
Paid up to 2 days early
on direct deposit
Card locked
From the couch
Why a Credit Union?
Sharefax is a cooperative formed for one purpose: improving the financial well-being of our members. There are no shareholders waiting on a cut.
See who can joinA big bankBig-bank comparisons are general and illustrative. Membership eligibility applies. See sharefax.org/about-us for who can join.
Every dollar deposited at Sharefax stays in Greater Cincinnati as loans to neighbors, sponsorships, and checks to the places that hold this city together. Nine branches, one routing number, since 1960.
Cincinnati Children's Hospital. $12,000 presented this year, with the 20th annual charity golf outing still raising more.
Honor Flight Tri-State. Flying local veterans to Washington, D.C. to see the memorials built in their honor.
Alzheimer's Association. Walk to End Alzheimer's team sponsor, every year.
IPM Food Pantry
IPM Food Pantry. Members and employees filled the branches with food and supplies for neighbors in need.
Squishy dumpling season
Squishy dumpling season. Open a Champion Club or checking account with code DUMPLING. 12 per branch, while supplies last.
“Amazing to deal with and this process was so easy and painless. I am so happy to be a member of Sharefax Credit Union!”
Kim T.
Member
“We've been at Sharefax for over 20 years and have nothing but good things to say about them. They know us when we come in and meet all our banking needs.”
Janette F.
Member for 20+ years
“I have been a member for as long as I can remember. We just recently started a small business and needed some help setting up our business account.”
Robert W.
Business member
“This location is very friendly, helpful, and respectful. They always let me know they're glad to have me as a member.”
Jeff D.
Member since May
Quotes from Sharefax members. Photos are placeholders pending member photo consent.
Branches & ATMs
Walk in, or use any of 5,000+ shared branches and 100,000 network ATMs across the country, including every PNC and Alliance One machine, surcharge-free.
1147 Old State Rt. 74, Batavia, OH 45103
7890 E Kemper Rd, Cincinnati, OH 45249
604 Ivy Gateway, Cincinnati, OH 45245
10590 Reading Rd, Evendale, OH 45241
1550 Genntown Dr, Lebanon, OH 45036
7350 Liberty One Dr, Liberty Twp, OH 45044
7443 Mason-Montgomery Rd, Mason, OH 45040
5855 Cinema Dr, Milford, OH 45150
6060 Bridgetown Rd, Cincinnati, OH 45248