Not enrolled in online banking? Enroll today!
Not enrolled in business online banking? Enroll Here
Join us in transforming lives through mission-aligned investments that create lasting impact in historically underserved areas.
Warsaw Federal is a mutual Minority Depository Institution (MDI) headquartered in Cincinnati with a mission to empower undeserved communities to thrive in today’s economy. We offer investment opportunities in the form of Certificates of Deposit (CDs), deposit accounts, an AT1 Mutual Capital Certificate, and more. Investing in and partnering with us to facilitate community development and economic mobility means that everyone wins.
Listen as our President and CEO Robie K. Suggs and a couple of our board members talk about what it means to be an MDI and the bank’s bright future.
“As Cincinnati’s first Minority Depository Institution, their commitment to ensure accessible, below-market financing aligns perfectly with our mission. This program isn’t just about home repairs—it’s about preserving the housing stock in our region and helping families build generational wealth.”
—Kristen Baker, executive director of LISC Greater Cincinnati
“We’re grateful to partner with Warsaw Federal as we build a space where young people connect through food, learning, and community. We focus on disrupting harm with real tools —culinary skills, mentorship, and spaces rooted in dignity and belonging. We work alongside our students to support graduation, economic mobility, and futures they define for themselves.”
—Ali Rizvi, Executive Director of Programs & Nonviolence Education at Garden of Joy Culinary Academy
NMLS: #709723
From local spotlights to national features, our story has been shared by outlets like American Banker, Cincinnati Business Courier, and the Cincinnati Herald. Discover more about our mission, leadership, and impact.
Whether you want to learn more about what we’re up to in our communities or simply want to ask us about our mission, we want to connect with you!
With a shared commitment to community growth, our Board of Directors brings diverse insight to guide our strategy and uphold the mission of mutual banking.
When it comes to mutual MDIs, like us, we’re in it for our community two-fold. That means we’re not only reinvesting deposit dollars into our neighborhoods, but we’re also putting the residents first by offering financial services and products that best fit their needs. Plus, our leadership and board teams are local to our area – we live, work and play in Cincinnati just like our customers do.
We all need community, whether that’s your tight knit group of neighbors or greeting familiar faces at your favorite grocery store. That’s what humanity is all about.
When we transitioned to a Minority Depository Institution (MDI) in late 2023, I knew that was the beginning of a bright future for the bank. I’d like to share a few perks that financial institutions and other organizations can benefit from when investing in an MDI like ours.
An MDI is a federally insured bank in which minority individuals make up the majority of voting members or board leadership. MDIs play a vital role in providing financial services to underserved communities.
When you invest in Warsaw Federal, you’re supporting a mission-driven institution that’s focused on helping historically underserved neighborhoods thrive – all while earning a competitive return. Your dollars help fund affordable housing and aid in small business growth and community development.
We welcome investments from individuals, corporations, foundations, and government entities. Whether you’re a socially responsible investor or a financial institution seeking CRA credit, we can tailor an investment solution for you.
We offer a range of investment vehicles which can be customized for your goals and timeline:– Certificates of Deposit (CDs)– AT1 Mutual Capital Certificate– Deposit Accounts
And more!
An AT1 Mutual Capital Certificate is a financial instrument that helps mutual banks increase their capital through patient investing. When you invest in an AT1, Warsaw Federal will use the proceeds to support its MDI mission consistent with its community focused mission. Additionally, over time, it might yield a dividend to the investors.
Yes. Warsaw Federal is a member of the FDIC, which means deposits are insured up to $250,000If your funds exceed the FDIC insured limit, we offer access to the IntraFi® Deposit Network which guarantees your total account value, no matter how high, remains covered under the limit while allowing real-time liquidity and access through your Warsaw Federal account.
Your funds are used to support:– Affordable housing development– Minority-owned small businesses– Financial literacy programs– Community revitalization projectsWe provide regular updates so you can see the tangible results of your investment.
Yes. Warsaw Federal works with banks and financial institutions to structure investments that qualify for Community Reinvestment Act (CRA) credit. We provide documentation and reporting to support your compliance needs.
You can schedule a call with our team or contact us directly through the form on this page. We’ll guide you through the process and help you choose the right investment option.
Find a Location