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Proc-Type: 2001,MIC-CLEAR
Originator-Name: webmaster@www.sec.gov
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MIC-Info: RSA-MD5,RSA,
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 fSTRJrQU0EerAb+dYnpb1g==

<SEC-DOCUMENT>0001209191-07-006405.txt : 20070131
<SEC-HEADER>0001209191-07-006405.hdr.sgml : 20070131
<ACCEPTANCE-DATETIME>20070131161723
ACCESSION NUMBER:		0001209191-07-006405
CONFORMED SUBMISSION TYPE:	4/A
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20060330
FILED AS OF DATE:		20070131
DATE AS OF CHANGE:		20070131

ISSUER:		

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			CAMCO FINANCIAL CORP
		CENTRAL INDEX KEY:			0000016614
		STANDARD INDUSTRIAL CLASSIFICATION:	SAVINGS INSTITUTIONS, NOT FEDERALLY CHARTERED [6036]
		IRS NUMBER:				510110823
		STATE OF INCORPORATION:			DE
		FISCAL YEAR END:			1231

	BUSINESS ADDRESS:	
		STREET 1:		6901 GLENN HIGHWAY
		CITY:			CAMBRIDGE
		STATE:			OH
		ZIP:			43725
		BUSINESS PHONE:		7404325641

REPORTING-OWNER:	

	OWNER DATA:	
		COMPANY CONFORMED NAME:			RUGG D EDWARD
		CENTRAL INDEX KEY:			0001204491

	FILING VALUES:
		FORM TYPE:		4/A
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-25196
		FILM NUMBER:		07568350

	MAIL ADDRESS:	
		STREET 1:		6901 GLENN HIGHWAY
		CITY:			CAMBRIDGE
		STATE:			OH
		ZIP:			43725
</SEC-HEADER>
<DOCUMENT>
<TYPE>4/A
<SEQUENCE>1
<FILENAME>doc4a.xml
<DESCRIPTION>FORM 4/A SUBMISSION
<TEXT>
<XML>
<?xml version="1.0"?>
<ownershipDocument>

    <schemaVersion>X0202</schemaVersion>

    <documentType>4/A</documentType>

    <periodOfReport>2006-03-30</periodOfReport>

    <dateOfOriginalSubmission>2006-03-31</dateOfOriginalSubmission>

    <notSubjectToSection16>0</notSubjectToSection16>

    <issuer>
        <issuerCik>0000016614</issuerCik>
        <issuerName>CAMCO FINANCIAL CORP</issuerName>
        <issuerTradingSymbol>CAFI</issuerTradingSymbol>
    </issuer>

    <reportingOwner>
        <reportingOwnerId>
            <rptOwnerCik>0001204491</rptOwnerCik>
            <rptOwnerName>RUGG D EDWARD</rptOwnerName>
        </reportingOwnerId>
        <reportingOwnerAddress>
            <rptOwnerStreet1>5041 SKYLINE DRIVE</rptOwnerStreet1>
            <rptOwnerStreet2></rptOwnerStreet2>
            <rptOwnerCity>CAMBRIDGE</rptOwnerCity>
            <rptOwnerState>OH</rptOwnerState>
            <rptOwnerZipCode>43725</rptOwnerZipCode>
            <rptOwnerStateDescription></rptOwnerStateDescription>
        </reportingOwnerAddress>
        <reportingOwnerRelationship>
            <isDirector>0</isDirector>
            <isOfficer>1</isOfficer>
            <isTenPercentOwner>0</isTenPercentOwner>
            <isOther>0</isOther>
            <officerTitle>Sec.-Camco &amp; E.VP/COO-Adv.Bk</officerTitle>
        </reportingOwnerRelationship>
    </reportingOwner>

    <nonDerivativeTable>
        <nonDerivativeTransaction>
            <securityTitle>
                <value>Common Stock</value>
            </securityTitle>
            <transactionDate>
                <value>2006-03-30</value>
            </transactionDate>
            <deemedExecutionDate></deemedExecutionDate>
            <transactionCoding>
                <transactionFormType>4</transactionFormType>
                <transactionCode>P</transactionCode>
                <equitySwapInvolved>0</equitySwapInvolved>
            </transactionCoding>
            <transactionTimeliness>
                <value></value>
            </transactionTimeliness>
            <transactionAmounts>
                <transactionShares>
                    <value>644</value>
                </transactionShares>
                <transactionPricePerShare>
                    <value>13.96</value>
                </transactionPricePerShare>
                <transactionAcquiredDisposedCode>
                    <value>A</value>
                </transactionAcquiredDisposedCode>
            </transactionAmounts>
            <postTransactionAmounts>
                <sharesOwnedFollowingTransaction>
                    <value>101500</value>
                    <footnoteId id="F1"/>
                </sharesOwnedFollowingTransaction>
            </postTransactionAmounts>
            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>D</value>
                </directOrIndirectOwnership>
            </ownershipNature>
        </nonDerivativeTransaction>
    </nonDerivativeTable>

    <footnotes>
        <footnote id="F1">This amendment is being filed to correct the amount of securities directly held by Mr. Rugg following this purchase.  The amount was previously incorrectly reported as 101,650, which error was carried through on subsequently filed Forms 4.</footnote>
    </footnotes>

    <remarks></remarks>

    <ownerSignature>
        <signatureName>/s/ David E. Rugg, by Mark A. Severson POA</signatureName>
        <signatureDate>2007-01-31</signatureDate>
    </ownerSignature>
</ownershipDocument>
</XML>
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
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