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Credit union · NCUA insured

Theory Federal Credit Union Savings Rates

Theory Federal Credit Union’s best savings rate is 0.50% APY on $10,000, with its Money Market Accounts. Rates checked October 16, 2026.

How Theory Federal Credit Union’s savings 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

    0.50%APY

    Minimum
    —
    Earns on $10,000 a year
    $50

    Money Market Accounts

  • Top rate

    Century Federal Credit Union

    5.00%APY

    Minimum
    $100
    Earns on $10,000 a year
    $500

    Century Federal Credit Union rates

  • 2nd-highest rate

    CFBank

    4.25%APY

    Minimum
    —
    Earns on $10,000 a year
    $425

    CFBank rates

Compare savings rates near you →

Theory Federal Credit Union savings score

78

Savings score

Higher than 47% of U.S. banks and credit unions

By balance
  • $10,000 balance$10,0000.50%
  • $100,000 balance$100,0001.01%
  • QualifiedQualified0.50%

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 savings score, in each area where it has branches

Every rate

Current savings 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.

Visit institution website ↗Branches and institution details
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