Background: Automated classification of thyroid fine needle aspiration biopsy (FNAB) images faces challenges in limited data, inter-observer variability, and computational cost. Efficient, interpretable models are crucial for clinical support. Objective: To develop and externally validate a deep learning system for the multi-class classification of thyroid FNAB images into three key categories that directly guide post-biopsy treatment decisions in Vietnam: benign (B2), suspicious for malignancy (B5), and malignant (B6), while achieving high diagnostic accuracy with low computational overhead. Methods: Our framework features: (1) YOLOv10-based cell cluster detection for informative sub-region extraction and noise reduction; (2) a curriculum learning-inspired protocol sequencing localized crops to full images for multi-scale feature capture; (3) adaptive lightweight EfficientNetB0 (4 millions parameters) selection balancing performance and efficiency; and (4) a Transformer-inspired module for multi-scale, multi-region analysis. External validation used 1,015 independent FNAB images. Results: ThyroidEffi Basic achieved a macro F1 of 89.19\% and AUCs of 0.98 (B2), 0.95 (B5), and 0.96 (B6) on the internal test set. External validation yielded AUCs of 0.9495 (B2), 0.7436 (B5), and 0.8396 (B6). ThyroidEffi Premium improved macro F1 to 89.77\%. Grad-CAM highlighted key diagnostic regions, confirming interpretability. The system processed 1000 cases in 30 seconds, demonstrating feasibility on widely accessible hardware like a 12-core CPU. Conclusions: This work demonstrates that high-accuracy, interpretable thyroid FNAB image classification is achievable with minimal computational demands.