Third Federal S&L, also known as (TFSL, Third Federal Savings and Loan, Third Federal of Cleveland, Third Federal Savings and Loan Association of Cleveland, or simply Third Federal) is a major savings and loan association in Cleveland, Ohio, founded in 1938 in the midst of the Great Depression as Cleveland was the 5th largest city at the time with many young home owners, prior to the United States entry into World War II. It does business in Ohio, Florida, California, Colorado, Connecticut, Georgia, Illinois, Indiana, Iowa, Kentucky, Maryland, Massachusetts, Michigan, Minnesota, Missouri, New Hampshire, New Jersey, New York, North Carolina, Oregon, Pennsylvania, Tennessee, Virginia, Washington, and Wisconsin.