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Credit union · NCUA insured

Theory Federal Credit Union CD Rates

Theory Federal Credit Union’s best CD rate is 3.55% APY on a 6-month share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.

How Theory Federal Credit Union’s CD rates compare

Compared with banks and credit unions near Cleveland, OH, where Theory Federal Credit Union has the most branches. $10,000, best rate first.

  • This credit union’s best

    Theory Federal Credit Union

    3.55%APY

    Term
    6 months
    Requires
    None
    Minimum
    $1,000
    Earns on $10,000
    $176

    Share Certificates

  • Top Carrot, Carrot Score 99

    Top rate

    7 17 Credit Union

    4.75%APY

    Term
    60 months
    Requires
    None
    Minimum
    $500
    Earns on $10,000
    $2,612

    7 17 Credit Union rates

  • 2nd-highest rate

    First Federal Savings of Lorain

    4.60%APY

    Term
    35 months
    Requires
    Another account
    Minimum
    $250
    Earns on $10,000
    $1,402

    First Federal Savings of Lorain rates

Compare CD rates near you →

Theory Federal Credit Union CD score

71

CD score

Higher than 29% of U.S. banks and credit unions

By term
  • 3–8 months3–8 mo3.55%
  • 9–15 months9–15 mo3.03%
  • 16–30 months16–30 mo1.76%
  • 31–60 months31–60 mo3.03%
  • QualifiedQualified3.55%

Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.

How the score works →

Where Theory Federal Credit Union ranks

By CD score, in each area where it has branches

Every rate

Current CD rates

Rates from the credit union’s website. Earnings assume the rate doesn’t change.

Who can join Theory Federal Credit Union

We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.

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