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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Third Federal Savings and Loan Rates & Review April 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: March 29, 2026
Third Federal Savings and Loan's 6-Month Bonus CD rates are at 4.75%, 4-Month Advantage CD rates are at 3.80%, 4-Month Advantage CD Retirement rates are at 3.80%, 5-Month Retirement Special CD rates are at 3.75%, 4-Month Advantage CD rates are at 3.60%. Third Federal Savings and Loan's savings rates are at 0.01%. Third Federal Savings and Loan's 10 Year Fixed Rate rates are at 5.54%, 15 Year Fixed rates are at 5.69%, 15 Year Fixed No Cost rates are at 6.04%, 5/1 ARM (15 year) rates are at 5.64%, 5/1 ARM (15 year) rates are at 5.64%. MonitorBankRates evaluates the financial stability of Third Federal Savings and Loan with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.96%. Rates were last updated on 03/29/2026. Third Federal Savings and Loan money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Third Federal Savings and Loan? Share your experience about Third Federal Savings and Loan by leaving a review below, or read customer reviews before you decide to use Third Federal Savings and Loan. 
Third Federal Savings and Loan CD Rates
Third Federal Savings and Loan Savings Rates
Third Federal Savings and Loan Money Market Rates
Third Federal Savings and Loan Mortgage Rates
Third Federal Savings and Loan Home Equity & HELOC
Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for Third Federal Savings and Loan is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions. Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health. Rate Data Aggregation: We gather Third Federal Savings and Loan rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Third Federal Savings and Loan's official website for the most current offers and terms.
Bank Profile & Overview
Institution Name
Third Federal Savings and Loan
Bank Holding Company
THIRD FS&LA OF CLEVELAND MHC
Address
7007 Broadway Ave,
Cleveland, OH 44105 · Cuyahoga
Website
https://www.thirdfederal.com
FDIC Certificate #
30012
Established
08/04/1938
FDIC Insurance Date
08/09/1989
Domestic Offices
36
Total Branches
36
Regulator
OCC
FDIC Insured
✓ Yes — Up to $250,000
Financial Health & AssetsA+
Overall Health Grade
Score: 99/100
5.0
Exceptional
Out of 5.0 Stars
1.96%
Texas Ratio
Nat'l avg: 5.85%
Return on Assets (ROA)
0.3862%
Return on Equity (ROE)
3.8900%
Non-Performing Loans (NPL)
0.18%
Total Assets
$17,487,528,000
Total Deposits
$10,540,199,000
Equity Capital
$1,702,152,000
Net Income
$88,698,000
Headquarters
Cleveland
Total Offices
36
Source: FDIC | Last Updated 12/31/2025
Frequently Asked Questions About Third Federal Savings and LoanIs Third Federal Savings and Loan a safe place to deposit money?Yes, Third Federal Savings and Loan is considered a safe financial institution. With a Texas Ratio of 1.956873460835%, the institution's financial health is rated as excellent. Your accounts are federally insured by the FDIC (Federal Deposit Insurance Corporation) up to $250,000 per depositor, for each account ownership category. How many branches does Third Federal Savings and Loan operate?Third Federal Savings and Loan currently maintains approximately 36 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is there a first-time homebuyer program?Currently, Third Federal Savings and Loan does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Third Federal Savings and Loan provides members with tools to manage their accounts and build a solid financial history. Does Third Federal Savings and Loan offer online and mobile banking?Most modern institutions like Third Federal Savings and Loan provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.thirdfederal.com. Current Third Federal Savings and Loan Rates
Retrieved from our database of financial products. Rates subject to change.
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