Third Federal Savings and Loan Association of Cleveland - Nationwide Branches

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Branch	Address	View Lobby Hours
Brecksville Branch	8943 Brecksville Road, Brecksville, OH 44141	View Lobby Hours
Twinsburg Branch	9057 Darrow Road, Twinsburg, OH 44087	View Lobby Hours
Plantation Branch	8500 West Broward Boulevard, Plantation, FL 33324	View Lobby Hours
New Port Richey Branch	8270 Ridge Road, Port Richey, FL 34668	View Lobby Hours
Mentor Branch	7339 Mentor Avenue, Mentor, OH 44060	View Lobby Hours
Third Federal Savings And Loan Assoc	7007 Broadway Avenue, Cleveland, OH 44105	View Lobby Hours
Boca Raton Branch	70 S Dixie Hwy, Suite B, Boca Raton, FL 33432	View Lobby Hours
Middleburg Heights Branch	6849 Pearl Road, Middleburg Heights, OH 44130	View Lobby Hours
Greenacres Branch	6125 Lake Worth Road, Greenacres, FL 33463	View Lobby Hours
Ridge Road Branch	5950 Ridge Road, Parma, OH 44129	View Lobby Hours
Mayfield Heights Branch	5780 Mayfield Road, Mayfield Heights, OH 44124	View Lobby Hours
Ft.Myers Branch	5030 S Cleveland Avenue, Fort Myers, FL 33907	View Lobby Hours
Chapel Hill Branch	490 Howe Avenue, Cuyahoga Falls, OH 44221	View Lobby Hours
Garfield Heights Branch	12594 Rockside Road, Garfield Heights, OH 44125	View Lobby Hours
Medina Road Branch	4018 Medina Rd, Suite A, Medina, OH 44256	View Lobby Hours
Brunswick Branch	3890 Center Road, Brunswick, OH 44212	View Lobby Hours
Avon Branch	35592 Detroit Road, Avon, OH 44011	View Lobby Hours
Clearwater Branch	29247 Us. Hwy. 19 North, Clearwater, FL 33761	View Lobby Hours
Sarasota Branch	4048 Jenkins Place, Sarasota, FL 34238	View Lobby Hours
Fairlawn Branch	2875 West Market Street, Fairlawn, OH 44333	View Lobby Hours
North Olmsted Branch	26949 Lorain Road, North Olmsted, OH 44070	View Lobby Hours
St. Petersburg Branch	262 37th Avenue North, Saint Petersburg, FL 33704	View Lobby Hours
Bonita Springs Branch	25301 South Tamiami Trail, Bonita Springs, FL 34134	View Lobby Hours
Coral Spring Branch	2360 North University Drive, Coral Springs, FL 33065	View Lobby Hours
Euclid Branch	22332 Lake Shore Blvd., Euclid, OH 44123	View Lobby Hours
Rocky River Branch	21651 Center Ridge Road, Rocky River, OH 44116	View Lobby Hours
Ohio City Branch	1900 West 25th Street, Cleveland, OH 44113	View Lobby Hours
Strongsville Branch	18380 Royalton Road, Strongsville, OH 44136	View Lobby Hours
Snow Road Branch	1616 Snow Road, Parma, OH 44134	View Lobby Hours
Delray Branch	15086 Jog Road, Delray Beach, FL 33446	View Lobby Hours
Pembroke Pines Branch	14924 Pines Boulevard, Pembroke Pines, FL 33027	View Lobby Hours
Naples Branch	1410 Pine Ridge Road, Naples, FL 34108	View Lobby Hours
Hallandale Branch	1000 East Hallandale Beach Boulevard, Hallandale, FL 33009	View Lobby Hours
Cedar Branch	13908 Cedar Road, University Heights, OH 44118	View Lobby Hours
Tampa Branch	11707 N Dale Mabry Highway, Tampa, FL 33618	View Lobby Hours

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Featured - 30 Year Fixed Mortgage Rates 2025

Lender	APR	Rate (%)	Monthly Payment	Learn More
NMLS ID: 1907	0.000%	0.000% 0.00 points $0 fees	$0	Learn More
NMLS ID: 6606	6.092%	6.000% 1.00 points $3,162 fees	$1,919	Learn More
NMLS ID: 401822	6.116%	6.000% 0.63 points $3,995 fees	$1,919	Learn More
NMLS ID: 1025894	6.209%	6.125% 0.63 points $2,850 fees	$1,945	Learn More

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Featured - Home Equity Line Of Credit Rates 2025

Lender	APR (%)^?	Monthly Payment^?	Learn More
Upstart See Table	Intro APR 6.520 % After Intro: 6.520 %	$20,800	Learn More More Info
1. Upstart Mortgage offers HELOCs from $26K-$250K. An initial draw of 80% of the approved credit limit is required at account opening. 2. Terms shown here are subject to change without notice. APRs for initial advances range from 6.52% to 18.00% based on rates offered as of July 2025. The lowest rate is only available to consumers willing to become a member of a credit union and to those who meet a minimum FICO score of 780, CLTV under 70%, and DTI under 45%. Your actual rate will depend on many factors such as your credit history, combined loan-to-value ratio (CLTV), line amount, loan term, lien position, and property state. Origination fee to open an account is between 0% and 4.99% of the approved credit limit. The Annual Percentage Rate ("APR") is variable and based on the Prime Rate as published in the Wall Street Journal "Money Rates" table plus or minus a margin. Your APR will never be less than 3.99% or greater than 18.00%. Property insurance is required. 3. All mortgage lending conducted by Upstart Mortgage, LLC. NMLS #2443873. As low as 6.52% APR on your initial draw* Get your money up to 10x faster than the industry standard Fixed rate on each draw No paperwork needed to apply
Figure Home Equity See Table	Intro APR 6.850 % After Intro: 6.850 %	$15,000	Learn More More Info
Available APRs range from 6.35% - 14.90%*, which includes the payment of a higher origination fee in exchange for a reduced interest rate, which is not available to all applicants or in all states.(the advertised APR includes a combined 0.25% discount for opting into a credit union membership (0%) and enrolling in autopay (0.25%) as well as payment of higher origination fee in exchange for a reduced rate, which is not available to all applicants or in all states). The lowest APRs are only available to the most qualified applicants, depending on credit profile and the state where the property is located, and those who also select five year loan terms; APRs will be higher for other applicants and those who select longer loan terms. Rates change frequently so your exact APR will depend on the date you apply. APRs for home equity lines of credit do not include costs other than interest. You will be responsible for an origination fee of up to 4.99% of your initial draw, depending on the state in which your property is located and your credit profile. You may also be responsible for paying the costs of valuation if an AVM is not available for your property ($180), manual notarization if your county doesn’t permit eNotary ($380), and recording fees ($0 - $315) and recording taxes, which vary by state and county ($0-$1,400 per one hundred thousand dollars borrowed). Property insurance is required as a condition of the loan and flood insurance may be required if your property is located in a flood zone. Flexible terms, borrow $15K-$750K, redraw up to 100% Use to consolidate debt or finance your next home project 100% digital app & automated valuation Largest non-bank HELOC lender in the US
Third Federal Savings and Loan See Table	Intro APR 6.990 % After Intro: 6.990 %	$0	Learn More More Info
Conditions… Variable APR of Prime minus 1.01% in all states. Min loan amount $10,000. Max loan amount $200,000. 30-year term. Annual fee waived for the first year. See conditions for guarantee at thirdfederal.com. Third Federal rate are typically 20% lower than other leaders Guaranteed Lowest Rate No closing costs, prepayment penalties, or minimum draw requirements 10 year draw period
Achieve Loans See Table	Intro APR 7.240 % After Intro: 7.240 %	$0	Learn More More Info
Offers may vary; all loan requests are subject to eligibility requirements, application review, loan amount, loan term, income verification, and lender approval. Product terms are subject to change at any time. Offers are a line of credit. Loans are not available to residents of all states and available loan terms/fees may vary by state where offered. Line amounts between $15,000 and $300,000 and are assigned based on product type, debt-to-income ratio and combined loan-to-value ratio. 10, 15, 20, and 30-year terms available. Minimum 600 credit score applies for debt consolidation requests (20 and 30 year terms require a minimum credit score of 640), minimum 700 applies for cash out requests. Fixed rate APRs range from 6.240%- 14.00% and are assigned based on underwriting requirements. Offer APRs assume automatic payment enrollment which may provide a discount (autopay enrollment is not a condition of loan approval). All terms have a 5-year draw period with the remaining term being a no draw period. Payments are fully amortized during each period and determined on the outstanding principal balance each month. Closing fees range from $750 to $6,685, depending on line amount and state law requirements and typically include origination (up to 3.5% of line amount) and underwriting ($725) fees if allowed by law. Property must be owner-occupied. CLTV ratio may not exceed 75%, including the new loan request. Property insurance is required and flood insurance may be required if the subject property is located in a flood zone. You must pledge your home as collateral. 6.240% APR requires low DTI and CLTV; a maximum loan amount of up to $150,000; 10-year term; FICO 780+; and automatic payment enrollment. Contact Achieve Loans for further details. Equal Housing Opportunity. Competitive rates, Pre-qualify in minutes Mortgage Advisors standing by to help find the best solution Flexible terms with fast funding Minimum credit score: 600
Four Leaf Federal Credit Union See Table	Intro APR 5.990 % After Intro: 7.250 % Intro Period: 12 months	$25,000	Learn More More Info
Rates/terms are subject to change. All offers of credit are subject to credit approval. Applicants may be offered credit at higher rates and other terms. Property insurance (including flood insurance, if applicable) is required. HELOCs not offered in Texas. Membership at FourLeaf is required by opening a minimum $5 share account. Rates shown are based on primary residence, minimum initial draw of $25,000 at account opening, monthly payments via automatic transfers from a FourLeaf checking/savings account, and borrower(s) inputs for credit score and Combined Loan-to-Value. If borrower(s) qualifies for an intro rate, the intro APR is fixed for 12 months. After, standard APR is variable based on the U.S. Prime Rate, plus a margin, and is subject to increase. To obtain an intro rate, borrower(s) must meet credit/loan program requirements, including (but not limited to): 1) maximum CLTV of 75%, 2) minimum credit score of 720 3) initial draw of $25,000 and maintain this balance for 12 months, 4) monthly payments via automatic transfers from a FourLeaf checking/savings account, and 5) have not had an intro rate within the past 5 years. Loan amounts over $500,000 are not available for the intro rate. The standard APR is variable based on the U.S. Prime Rate as published in the Wall Street Journal, plus a margin (if applicable), and is subject to increase after consummation. The current standard APR ranges from 7.50% - 18.00% as of 4/16/2025. Not all applicants will qualify for the lowest rate. The minimum floor APR is 3.25% and maximum is 18%. Prime Rate as of 4/16/2025 = 7.50%. Closing costs for the first $500,000 will be paid by FourLeaf but must be repaid by the borrower(s) if the HELOC is closed within first 36 months of account opening. Fees generally range between $500 - $15,000. Borrower(s) will be responsible for mortgage-related taxes and title insurance costs on the line amounts over $500,000. Fees generally range between $500 -$60,000. Tap into your home's equity & access the funds you need with a HELOC Apply online or speak with a specialist No application, origination & appraisal fees on lines up to $500K[3] On average, access funds within 35 days[5]

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