Theory Federal Credit Union

About Us

We are a local Credit Union celebrating 71 years of service.

Open to All

Membership is open to anyone wishing to join through our open association partnership with the Community Impact Fund (CIF). As a member of CIF, you will have access to free financial literacy tools and resources, should you choose to take advantage of them.


Theory FCU will cover, in full, all CIF membership dues on your behalf. No further dues will ever be required of you for this benefit. Through CIF, you are eligible for full credit union membership.


Lake County Public Schools

Membership is open to all faculty and employees of Lake County Public Schools.


North Olmsted City Schools

Membership is open to all students, faculty, and employees of North Olmsted City Schools.