You plant the seed, we provide liquidity, and together we grow

Learn who we are and what we do

Building Stronger Communities

Explore our commitment to communities through the impact we make with members, our housing and community investment programs and in our local community in our 2024 Impact Report.
The Affordable Housing Program is now open for applications.
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Registration is open for our Annual Financial Management Conference on August 12-13 in Nashville, Tennessee. Join us to hear from industry experts and the latest about financial management.
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The Hundred Homes Initiative is now accepting applications. Through the program, $5 million in funding will be used to move 100 households living in mobile homes constructed before June 15, 1976 into updated housing.
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The FHLB delivered on its dual mission of providing critical liquidity and expanding support for affordable housing. For the first quarter of 2025, net income was $145 million with a return on average equity of 8.76 percent.
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Every two years, the Federal Housing Finance Agency (FHFA) requires FHLB members to complete a Community Support Statement (CSS) to document their federal Community Reinvestment Act (CRA) performance and record of lending to first-time homebuyers.
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FHLB Cincinnati provides discounted Community Investment Cash Advances through two related programs to support housing and economic development.
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Households in six Kentucky counties whose homes were damaged by severe storms and tornadoes May 16-17 may qualify for grants from our Disaster Reconstruction Program to aid their recovery.
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Request an Advance online today quickly, easily and securely!
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A widow of a veteran, Linda Karen Ball’s landlord was looking to sell the property in which she had lived in for 13 years. Citizens National Bank used Welcome Home Program funds to help her stay in her home.
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Leadership

FHLB Cincinnati's Board of Directors, Advisory Council and Senior Management are responsible for the overall management and oversight of the Bank. Together, they ensure the Bank delivers high-quality, positive member experiences while providing our members with a competitive return on their capital investment. Learn More

Housing Programs

We provide members and housing organizations with grants and below-market interest rate loans when these funds are used for targeted low-income and community lending purposes. Since 1990, FHLB Cincinnati has disbursed nearly $697 million for the creation and preservation of affordable housing. Learn More

LOCAL IMPACT

Since 1990, FHLB Cincinnati has disbursed grants totaling nearly $697 million in support of affordable housing in Ohio, Kentucky, Tennessee and beyond. These funds enable homeownership, replace homes after a disaster, create healthy and safe living environments, and help neighborhoods prosper.

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CAREERS

Career Opportunities

Whether you are at the beginning of your career or making a career change, the FHLB offers a number of rewarding opportunities. Learn More

Benefits

In addition to an excellent work environment, the Bank offers a competitive rewards package including retirement and benefits programs. Learn More

Culture

With a corporate culture that fosters growth and development, you can build a solid career at our bank. Learn More

NEWS

The Federal Home Loan Banks 2024 Impact Report

June 23 2025

2025 Affordable Housing Program Deadline Approaching

June 16 2025

FHLB Welcomes New Members

June 11 2025

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FHLB Cincinnati

221 East Fourth Street
600 Atrium Two
Cincinnati, OH 45202
T (513) 852-7500