THE FEDERAL HOME LOAN BANK OF CINCINNATI is a regional wholesale bank providing financial services for residential housing and economic development to 640 member-stockholders in the FHLB System’s Fifth District of Kentucky, Ohio and Tennessee. Eligible stockholders include banks, thrifts, credit unions, insurance companies and community development financial institutions. We are one of 11 Federal Home Loan Banks nationwide, a system created by Congress in 1932 to support housing finance.

Our mission is to provide our member-stockholders with financial services and a competitive return on their capital investment to help them facilitate and expand housing finance and community investment, and achieve their objectives for liquidity and asset liability management.

About Us

Membership Membership

We provide members with liquidity, as well as services to help them connect with their communities.

Leadership photo of boardroom Leadership

Meet our management team, our Board of Directors and our Affordable Housing Advisory Council.

Capitol building Public Policy

We were created by Congress in 1932, and contribute to the national conversation on housing finance

ribbon cutting View local impact

How do our affordable housing programs affect your community? Search here.

Unity Financial Life Insurance Co. increases profitability with FHLB's services

Utilizing FHLB's unique services, Unity Financial Life Insurance Co. has increased profitability.

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