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Proc-Type: 2001,MIC-CLEAR
Originator-Name: webmaster@www.sec.gov
Originator-Key-Asymmetric:
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 TWSM7vrzLADbmYQaionwg5sDW3P6oaM5D3tdezXMm7z1T+B+twIDAQAB
MIC-Info: RSA-MD5,RSA,
 Bl/bnkJ+z2yuMc0y7ROE1Qlyt1TfyLAIejM5sVTdHHWXO4kOJUCSVg+pFONWtJYt
 dWL8x5xWIOJL8JhF8WP9Yw==

<SEC-DOCUMENT>0001209191-10-051963.txt : 20101028
<SEC-HEADER>0001209191-10-051963.hdr.sgml : 20101028
<ACCEPTANCE-DATETIME>20101028160038
ACCESSION NUMBER:		0001209191-10-051963
CONFORMED SUBMISSION TYPE:	3
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20101007
FILED AS OF DATE:		20101028
DATE AS OF CHANGE:		20101028

REPORTING-OWNER:	

	OWNER DATA:	
		COMPANY CONFORMED NAME:			Douglass James D
		CENTRAL INDEX KEY:			0001504377

	FILING VALUES:
		FORM TYPE:		3
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-25196
		FILM NUMBER:		101148102

	MAIL ADDRESS:	
		STREET 1:		4904 KILLARNEY CT.
		CITY:			WESTERVILLE
		STATE:			OH
		ZIP:			43082

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:		814 WHEELING AVENUE
		CITY:			CAMBRIDGE
		STATE:			OH
		ZIP:			43725
		BUSINESS PHONE:		7404352020

	MAIL ADDRESS:	
		STREET 1:		814 WHEELING AVENUE
		CITY:			CAMBRIDGE
		STATE:			OH
		ZIP:			43725
</SEC-HEADER>
<DOCUMENT>
<TYPE>3
<SEQUENCE>1
<FILENAME>doc3.xml
<DESCRIPTION>FORM 3 SUBMISSION
<TEXT>
<XML>
<?xml version="1.0"?>
<ownershipDocument>

    <schemaVersion>X0203</schemaVersion>

    <documentType>3</documentType>

    <periodOfReport>2010-10-07</periodOfReport>

    <noSecuritiesOwned>1</noSecuritiesOwned>

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

    <reportingOwner>
        <reportingOwnerId>
            <rptOwnerCik>0001504377</rptOwnerCik>
            <rptOwnerName>Douglass James D</rptOwnerName>
        </reportingOwnerId>
        <reportingOwnerAddress>
            <rptOwnerStreet1>4904 KILLARNEY CT.</rptOwnerStreet1>
            <rptOwnerStreet2></rptOwnerStreet2>
            <rptOwnerCity>WESTERVILLE</rptOwnerCity>
            <rptOwnerState>OH</rptOwnerState>
            <rptOwnerZipCode>43082</rptOwnerZipCode>
            <rptOwnerStateDescription></rptOwnerStateDescription>
        </reportingOwnerAddress>
        <reportingOwnerRelationship>
            <isDirector>1</isDirector>
            <isOfficer>0</isOfficer>
            <isTenPercentOwner>0</isTenPercentOwner>
            <isOther>0</isOther>
        </reportingOwnerRelationship>
    </reportingOwner>

    <footnotes></footnotes>

    <remarks></remarks>

    <ownerSignature>
        <signatureName>/S/ James D. Douglas</signatureName>
        <signatureDate>2010-10-28</signatureDate>
    </ownerSignature>
</ownershipDocument>
</XML>
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
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