Theory

1595 MENTOR AVE, Painesville, OH 44077

NCUA Insured4.5 (24 reviews)1 charter

Verified Information

NCUA Insured

Member-Owned

1 charter

Established in 1995

Contact this credit union directly for detailed information about membership eligibility and current rates.

Membership Eligibility

Anyone who lives, works, or worships in or around Painesville, OH may be eligible to join. Community credit unions are open to the general public within their service area.

Check eligibility on their website →

Verified Information

NCUA Insured — deposits protected up to $250,000

Member-Owned — not-for-profit cooperative

1 charter

Established in 1995

Contact this credit union directly for detailed information about membership eligibility, current rates, and services.

Services Offered

Auto LoansPersonal LoansChecking AccountsMortgagesBusiness LoansCredit Cards

Location & Directions

Address

1595 MENTOR AVE

Painesville, OH 44077

Google Maps 🗺Waze

(440) 352-4732

Service Area

This credit union is located in Painesville and serves members in the OH area. Currently serving 3,512 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

6.25%

Used Auto Loan

7.25%

Personal Loan

9.99%

Credit Card APR

12.60%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in OH

Lowest rates currently reported by credit unions in OH (NCUA Q4 2025).

Plumbers 55— New Auto Loan

Brooklyn Height, OH

2.99%

Plumbers 55— Used Auto Loan

Brooklyn Height, OH

3.99%

Ohio Teamsters— Personal Loan

Independence, OH

3.30%

General Electric— Credit Card APR

Cincinnati, OH

6.86%

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(3 total)

Member Reviews

4.5

24 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps

Amy Phelps

a month ago

I have used this bank since 2021. It’s a wonderful bank. They do some much for community outreach and to support those in need. They do everything professionally and they keep the bank clean and organized. It’s always a welcoming experience. I would highly recommend using this bank for all your financial needs.

Erin Rozell

a year ago

Everyone is so kind there. Sarah, Rene and the loan team have all been fantastic answering my questions and giving me the best offers available to fit my needs. Would definitely recommend if you want the comfort of a CU versus a large chain style bank. Also love the "shred day" they offer to their members.

Sophie Walters

7 years ago

Fantastic credit union! I have been a member since 1991 and everyone there has always been helpful and so nice. All the employees are great - everyone works together to help customers and answer questions. Credit unions are the best and LCE is the best of the best! A big thank you to everyone there for helping me keep my financials in order! My mother joined a few years ago and she is very happy with their services as well.

Jason Papesh

2 years ago

After issues over the years with various mainstream banks charging absurd fees we love our credit union. They learn who their clients are. They remember your name and give great rates on Personal/Business/Auto loans.