Bank · FDIC insured
Third Federal Savings & Loan CD Rates
Third Federal Savings & Loan’s best CD rate is 4.75% APY on a 6-month CD, with extra requirements. Terms run from 4 months to 5 years. Rates checked October 6, 2026.
How Third Federal Savings & Loan’s CD rates compare
Compared with banks and credit unions near Cleveland, OH, where Third Federal Savings & Loan has the most branches. $10,000, best rate first.
This bank’s best
Third Federal Savings & Loan
4.75%APY
- Term
- 6 months
- Requires
- Conditions apply
- Minimum
- $500
- Earns on $10,000
- $235
Certificates of Deposit
Top rate
7 17 Credit Union
4.75%APY
- Term
- 60 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $2,612
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
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Certificates of Deposit
Up to 4.75%APY · 12 terms
Deposits over $1,000,000 subject to review. Subject to penalty for early withdrawal (an early withdrawal may reduce earnings).
| Term | APY · $500 and up | APY · $50,000 and up | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 4 months4 Month Advantage CD | 3.55% | 3.75% | — | 3.55%3.75% from $50k | $117 |
| 5 months5 Month Raise Your Rate CD | 3.05% | 3.25% | 3.50% | 3.05%3.25% from $50k3.50% from $100k | $126 |
| 5 months5 Month Special CD | 3.70% | — | — | 3.70% | $153 |
| 6 months6 Month Bonus CD; Month 1 APY | 4.75% | — | — | 4.75% | $235 |
| 6 months6 Month Bonus CD; Months 2-6 APY | 2.75% | — | — | 2.75% | $137 |
| 7 months7 Month Special CD | 3.45% | — | — | 3.45% | $200 |
| 12 months1 Year Rising Rate CD; Months 1-3 APY | 3.50% | — | — | 3.50% | $350 |
| 12 months1 Year Rising Rate CD; Months 10-12 APY | 4.25% | — | — | 4.25% | $425 |
| 12 months1 Year Rising Rate CD; Months 4-6 APY | 3.75% | — | — | 3.75% | $375 |
| 12 months1 Year Rising Rate CD; Months 7-9 APY | 4.00% | — | — | 4.00% | $400 |
| 12 months12 Month Online CD | 4.35% | — | — | 4.35% | $435 |
| 19 months19 Month Special CD | 3.75% | — | — | 3.75% | $600 |
| 29 months29 Month Special CD | 4.00% | — | — | 4.00% | $994 |
| 36 months3 Year Rising Rate CD; Year 1 APY | 3.00% | — | — | 3.00% | $927 |
| 36 months3 Year Rising Rate CD; Year 2 APY | 3.50% | — | — | 3.50% | $1,087 |
| 36 months3 Year Rising Rate CD; Year 3 APY | 4.00% | — | — | 4.00% | $1,249 |
| 36 months36 Month Bonus CD; Year 1 APY | 4.50% | — | — | 4.50% | $1,412 |
| 39 months39 Month Special CD | 4.00% | — | — | 4.00% | $1,359 |
| 49 months49 Month Special CD | 4.00% | — | — | 4.00% | $1,737 |
| 59 months59 Month Special CD | 4.00% | — | — | 4.00% | $2,127 |
| 60 months60 Month Bonus CD; Year 1 APY | 4.50% | — | — | 4.50% | $2,462 |
| 60 months60 Month Bonus CD; Years 2-3 APY | 4.00% | — | — | 4.00% | $2,167 |
Sources (2)
All captured Oct 6, 2026
Special-purpose accounts
Retirement Accounts (IRA CDs)
Up to 4.00%APY · 8 terms
Third Federal offers Traditional IRA, Roth IRA, and Simplified Employee Pension (SEP) IRA certificates.
| Term | APY · $500 and up | APY · $50,000 and up | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 4 months4 Month Advantage CD | 3.55% | 3.75% | — | 3.55%3.75% from $50k | $117 |
| 5 months5 Month Raise Your Rate CD | 3.05% | 3.25% | 3.50% | 3.05%3.25% from $50k3.50% from $100k | $126 |
| 5 months5 Month Special CD | 3.70% | — | — | 3.70% | $153 |
| 7 months7 Month Special CD | 3.45% | — | — | 3.45% | $200 |
| 19 months19 Month Special CD | 3.75% | — | — | 3.75% | $600 |
| 29 months29 Month Special CD | 4.00% | — | — | 4.00% | $994 |
| 39 months39 Month Special CD | 4.00% | — | — | 4.00% | $1,359 |
| 49 months49 Month Special CD | 4.00% | — | — | 4.00% | $1,737 |
| 59 months59 Month Special CD | 4.00% | — | — | 4.00% | $2,127 |
Sources (1)
- thirdfederal.com/deposits/retirement-accounts · captured Oct 6, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.