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Sharefax is a member-owned credit union serving the Cincinnati, Ohio area with checking, savings, loans, and credit card products.
Data compiled from public sources
Sharefax Credit Union is a not-for-profit, member-owned financial institution serving the greater Cincinnati, Ohio region. The credit union operates nine physical branch locations across communities including Batavia, Blue Ash, Eastgate, Evendale, Lebanon, Liberty Township, Mason, Milford, and Western Hills, with access to additional shared branching locations nationwide and a network of ATMs.
Sharefax offers a comprehensive suite of consumer financial products including checking and savings accounts, certificates of deposit with published rates, auto loans with refinancing options (currently offering 1.50% off for refinances before May 31st), home loans and HELOCs with $0 closing costs for a limited time, personal loans, student loans, and credit cards (Score Card and Prime Card with recent upgrades). The credit union also provides debt protection through Life Plus, safe deposit boxes, online banking, bill pay, and shared branching access across the nationwide CO-OP network.
Sharefax distinguishes itself through community focus, evidenced by youth financial education programs (Champion Club accounts for youth), a community job board, merchant services for local businesses, and active fraud prevention education. The credit union publishes current rates for savings, checking, IRAs, loans, and certificates on their website, and offers financial wellness programs and resources for members. They provide specific conveniences like skip-a-payment options on loans, fee-free ATM/Debit MasterCard access at PNC bank ATMs, and ID protection services.
As a credit union, Sharefax is limited to serving members in their defined field of membership and geographic service area in Ohio. While they offer competitive products typical of regional credit unions, they lack the branch density of larger national institutions. The website indicates they have zero branches and zero shared branches displayed (likely a technical issue), though nine specific branch addresses are listed. Membership eligibility and specific product terms require direct inquiry.
This is state-level context for Credit Unions consumers in Cincinnati, OH. It does not confirm that Sharefax or this specific location is licensed.
State regulator
Ohio Department of Commerce Division of Financial Institutions
Consumer protection
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
Sharefax processed 237 mortgage applications in 2023, with 84% recorded as approved across 4 states.
237
Applications
84%
Approval Rate
$117K
Avg Loan
4
States Served
Based on 237 applications. Income in thousands (reported by applicant).
Source: CFPB Home Mortgage Disclosure Act (HMDA) Data, 2023. Applications include originated, approved, and denied loans.
Sharefax offers 18 services including Checking accounts, Savings accounts and share accounts, Certificates of deposit (share certificates), Auto loans and auto loan refinancing, Home loans and HELOCs, and 13 more.
Sharefax has profile signals associated with Cincinnati-area residents seeking local credit union membership with competitive loan and deposit products, Auto loan refinance borrowers looking for current promotional discounts (1.50% off through May 31st), Home buyers or homeowners seeking $0 closing cost HELOC or home equity loan options, Young savers and families wanting youth-focused savings accounts with financial education programs.
Key strengths: Nine physical branch locations in Cincinnati metropolitan area with extended shared branching network access; Current promotional offers: 1.50% off auto loan refinances (through May 31st) and $0 closing costs on HELOCs and home equity loans; Free ATM access at PNC bank ATMs with Convenience ATM/Debit MasterCard. Areas to consider: Service area limited to Cincinnati, Ohio region; geographic restriction limits accessibility for non-local members; Website branch/ATM counter displays zero locations (technical error or data issue despite nine listed addresses).
In the Credit Unions category, comparable providers include CME Federal Credit Union, Education First Credit Union, Pathways Financial Credit Union - Grandview. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
CreditDoc Profile Note
Sharefax is profiled for Cincinnati-area residents seeking membership-based credit union banking with current promotional incentives on home and auto lending. The main caveat is strict geographic service limitation to Ohio; non-local consumers cannot join, and those relocating lose convenient branch access.
CME Federal Credit Union is a member-owned financial institution founded in 1935, serving Central Ohio residents with competitive savings rates, low loan rates, and personalized service.
Google rating from 249 reviews
Profile signals: Central Ohio residents and employees seeking rate claims to verify with a community-focused financial institution, Homebuyers in Ohio looking for listed savings programs and mortgage lending
Education First Credit Union is a member-owned financial cooperative celebrating 90 years of service, offering savings, checking, loans, and financial education primarily to the educational community.
Google rating from 116 reviews
Profile signals: Education sector employees and students seeking member-owned financial services with educational focus, Consumers prioritizing financial education and seeking guidance beyond basic banking services
Ohio-based credit union offering member-focused financial services including checking, savings, loans, and digital banking solutions.
Google rating from 342 reviews
Profile signals: Ohio residents seeking member-owned banking alternatives to traditional banks, Consumers prioritizing privacy, security, and not-for-profit financial institutions
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