Theory Credit Union
Verified rate book
Current Theory Credit Union rates
4 published offers verified as of July 29, 2026.
Auto & vehicle rates
2 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Cars & Trucksauto | 4.990% APR | 4.990% | — | Standard |
| RV Loanrv | 7.250% APR | 7.250% | — | Standard |
Personal loan rates
1 offer| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Unsecured Personal Loanpersonal_unsecured | 9.740% APR | 9.740% | — | Standard |
Credit card rates
1 offer| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Credit Cardcredit_card | 9.800% APR | 9.800% | — | Standard |
Vehicle loans available from 4.99% APR. Personal loan rates from 9.74% APR. Credit card rates from 9.8% APR.
Source: RateAPI.dev, verified from Theory Credit Union's official website
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About Theory Credit Union
Institution facts reported to the National Credit Union Administration for Invalid Date.
- Members
- 3.5K
- Assets
- $39M
- Founded
- 1995
- Locations reported
- 3
- NCUA charter
- 24545
- Charter type
- Federal credit union
Services and member support
- Online membership application
- Online loan application
- Electronic statements
- Mobile check deposit
- Mobile payments
- Financial education
- Student scholarships
Source: NCUA quarterly call report. Services are institution-reported; confirm availability with the credit union.
Other credit unions with branches nearby
Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby.
Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance.
Who Can Join Theory Credit Union
Membership eligibility from Theory Credit Union's own published criteria. How we verify this.
Open to anyone. Anyone can become a member — no employer, location, or affiliation requirement.
Verified from Theory Credit Union's membership page. Final membership determination is always made by the credit union.
Work at Theory Credit Union?
This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Theory Credit Union ranks against Ohio peers.
Frequently Asked Questions
What rates does Theory Credit Union offer?
Theory Credit Union currently offers vehicle loan, personal loan, and credit card rates. The rates shown on this page were last verified July 29, 2026 directly from the credit union's official website.
How often are Theory Credit Union rates updated?
RateAPI verifies Theory Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified July 29, 2026.
Where does RateAPI get Theory Credit Union's rate data?
Rate data is collected directly from Theory Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized.
What are Theory Credit Union's auto & rv loan rates?
As of July 29, 2026, Theory Credit Union offers vehicle loans from 4.99% APR.
What is Theory Credit Union's personal loan rate?
As of July 29, 2026, Theory Credit Union offers personal loans from 9.74% APR.
Related Rate Data
Compare Theory Credit Union's rates against national credit-union benchmarks.
Source Information
Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.
View Original SourceMethodology
Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives.
View MethodologyTrack Theory Credit Union rates
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# Get rates for Theory Credit Union
curl "https://api.rateapi.dev/credit-unions/ohio/theory" \
-H "Authorization: Bearer YOUR_API_KEY"