What are the current interest rates at iThink Financial Credit Union?

Current rates for iThink Financial Credit Union include: Savings: 0.10%

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iThink Financial Credit Union

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iThink Financial Credit Union Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, iThink Financial Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 10, 2026

iThink Financial Credit Union's top rates as of October 10, 2026 are 0.10% APY on savings, 7.00% APY on checking, personal loans from 19.49% APR, and credit cards from 19.49% APR, according to rates verified by MonitorBankRates. MonitorBankRates evaluates the financial stability of iThink Financial Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.06%. Rates last updated and verified on 10/10/2026.

iThink Financial Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at iThink Financial Credit Union? Share your experience about iThink Financial Credit Union by leaving a review below, or read customer reviews before you decide to use iThink Financial Credit Union.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

5.06%

Excellent Lower than avg

Health Trend

Steady 12 quarters

Full history ›

iThink Financial Credit Union
Delray

1000 NW 17th Ave
Delray Beach, FL 33445-2555

https://ithinkfi.org

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

iThink Financial Credit Union Savings Rates

Product	Rate	APY	View More
Membership Savings Account	0.10%	0.10%
Min Deposit $5 Min Balance $0 Details Balance: $0.00 - unlimited Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%

iThink Financial Credit Union Checking Rates

Product	Rate	APY
myChoice Checking Account	6.82%	7.00%
Min Deposit $25 Min Balance $0 Details Balance: $0.00 - $3,000 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 7.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%
myChoice Checking Account	0.05%	0.05%
Min Deposit $25 Min Balance $3,000 Details Balance: $3,000 + Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%

iThink Financial Credit Union Auto Loan Rates

Product	Rate	Points	APR
Auto Loans	-	-	4.49%
Details As Low As; Rates based on terms, credit score, and other conditions. Inquire within for details. Not all members will qualify for the lowest auto loan rate. Rates subject to change without notice. All iTHINK Financial Loans, including Visa Credit Cards, are subject to income and identification verification. Contact a Member Service Advisor for the most current rates, terms, fees and conditions that may apply. The consumer loan disclosures are located here: Consumer Lending Plan; credit card disclosures are here: Visa Credit Card Account Agreement and Visa Rates and Fees . The loan rates are accurate as of disclosed effective date and are subject to the Modification of Plan paragraph in the Truth-In-Lending Disclosure Statement and Agreement. Terms reflected on the Loan Rate sheet are maximum terms allowed. The Credit Union may require shorter repayment terms for certain loan amounts. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 4.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%
New Auto Loans	-	-	4.49%
Details As Low As; Rates based on terms, credit score, and other conditions. Inquire within for details. Not all members will qualify for the lowest auto loan rate. Rates subject to change without notice. All iTHINK Financial Loans, including Visa Credit Cards, are subject to income and identification verification. Contact a Member Service Advisor for the most current rates, terms, fees and conditions that may apply. The consumer loan disclosures are located here: Consumer Lending Plan . Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 4.24% → 4.49% ▲ 0.25 pts · high 4.49% / low 4.24% Oct 1, 20264.49%▲ from 4.24% Sep 14, 20264.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%
Used Auto Loans	-	-	4.49%
Details As Low As; Rates based on terms, credit score, and other conditions. Inquire within for details. Not all members will qualify for the lowest auto loan rate. Rates subject to change without notice. All iTHINK Financial Loans, including Visa Credit Cards, are subject to income and identification verification. Contact a Member Service Advisor for the most current rates, terms, fees and conditions that may apply. The consumer loan disclosures are located here: Consumer Lending Plan . Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 4.24% → 4.49% ▲ 0.25 pts · high 4.49% / low 4.24% Oct 1, 20264.49%▲ from 4.24% Sep 14, 20264.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%

iThink Financial Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR
Boat Loans	-	5.24%
Details As Low As; Rates based on terms, credit score, and other conditions. Inquire within for details. Not all members will qualify for the lowest auto loan rate. Rates subject to change without notice. All iTHINK Financial Loans, including Visa Credit Cards, are subject to income and identification verification. Contact a Member Service Advisor for the most current rates, terms, fees and conditions that may apply. The consumer loan disclosures are located here: Consumer Lending Plan; credit card disclosures are here: Visa Credit Card Account Agreement and Visa Rates and Fees . The loan rates are accurate as of disclosed effective date and are subject to the Modification of Plan paragraph in the Truth-In-Lending Disclosure Statement and Agreement. Terms reflected on the Loan Rate sheet are maximum terms allowed. The Credit Union may require shorter repayment terms for certain loan amounts. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 5.24% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%
Motorcycle Loans	-	5.34%
Details As Low As; Rates based on terms, credit score, and other conditions. Inquire within for details. Not all members will qualify for the lowest auto loan rate. Rates subject to change without notice. All iTHINK Financial Loans, including Visa Credit Cards, are subject to income and identification verification. Contact a Member Service Advisor for the most current rates, terms, fees and conditions that may apply. The consumer loan disclosures are located here: Consumer Lending Plan; credit card disclosures are here: Visa Credit Card Account Agreement and Visa Rates and Fees . The loan rates are accurate as of disclosed effective date and are subject to the Modification of Plan paragraph in the Truth-In-Lending Disclosure Statement and Agreement. Terms reflected on the Loan Rate sheet are maximum terms allowed. The Credit Union may require shorter repayment terms for certain loan amounts. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 5.34% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%
GOLF CART LOANS	-	5.49%
Details AS LOW AS; Rates based on terms, credit score, and other conditions. Inquire within for details. Not all members will qualify for the lowest auto loan rate. Rates subject to change without notice. All iTHINK Financial Loans, including Visa Credit Cards, are subject to income and identification verification. Contact a Member Service Advisor for the most current rates, terms, fees and conditions that may apply. The consumer loan disclosures are located here: Consumer Lending Plan; credit card disclosures are here: Visa Credit Card Account Agreement and Visa Rates and Fees . The loan rates are accurate as of disclosed effective date and are subject to the Modification of Plan paragraph in the Truth-In-Lending Disclosure Statement and Agreement. Terms reflected on the Loan Rate sheet are maximum terms allowed. The Credit Union may require shorter repayment terms for certain loan amounts. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 5.49% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%
Motorhomes Loan	-	5.49%
Details As Low As; Rates based on terms, credit score, and other conditions. Inquire within for details. Not all members will qualify for the lowest auto loan rate. Rates subject to change without notice. All iTHINK Financial Loans, including Visa Credit Cards, are subject to income and identification verification. Contact a Member Service Advisor for the most current rates, terms, fees and conditions that may apply. The consumer loan disclosures are located here: Consumer Lending Plan . Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 5.49% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%
New Golf Carts Loan	-	5.49%
Details As Low As; Rates based on terms, credit score, and other conditions. Inquire within for details. Not all members will qualify for the lowest auto loan rate. Rates subject to change without notice. All iTHINK Financial Loans, including Visa Credit Cards, are subject to income and identification verification. Contact a Member Service Advisor for the most current rates, terms, fees and conditions that may apply. The consumer loan disclosures are located here: Consumer Lending Plan . Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 5.49% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%
Used Golf Carts Loan	-	5.74%
Details As Low As; Rates based on terms, credit score, and other conditions. Inquire within for details. Not all members will qualify for the lowest auto loan rate. Rates subject to change without notice. All iTHINK Financial Loans, including Visa Credit Cards, are subject to income and identification verification. Contact a Member Service Advisor for the most current rates, terms, fees and conditions that may apply. The consumer loan disclosures are located here: Consumer Lending Plan . Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 5.74% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%

iThink Financial Credit Union Credit Card Rates

Product	Rate	APR	View More
myRewards Visa Signature Credit Card	-	19.49%
Details Variable rates as low as 19.49% APR, with no annual, cash advance, or balance transfer fees. Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 19.24% → 19.49% ▲ 0.25 pts · high 19.49% / low 19.24% Oct 10, 202619.49%▲ from 19.24% Sep 14, 202619.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%

iThink Financial Credit Union Personal Loan Rates

Product	APR	Term	View More
myRewards Visa Signature Credit Card	19.49%
Details Variable rates as low as 19.49% APR, with no annual, cash advance, or balance transfer fees. Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 19.24% → 19.49% ▲ 0.25 pts · high 19.49% / low 19.24% Oct 10, 202619.49%▲ from 19.24% Sep 14, 202619.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%

iThink Financial Credit Union Other Rates

Product	Rate	Points	APY/APR
Boats Loan	-	-	5.24%
Details As Low As; Rates based on terms, credit score, and other conditions. Inquire within for details. Not all members will qualify for the lowest auto loan rate. Rates subject to change without notice. All iTHINK Financial Loans, including Visa Credit Cards, are subject to income and identification verification. Contact a Member Service Advisor for the most current rates, terms, fees and conditions that may apply. The consumer loan disclosures are located here: Consumer Lending Plan . Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 5.24% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%
Camping Trailers Loan	-	-	5.49%
Details As Low As; Rates based on terms, credit score, and other conditions. Inquire within for details. Not all members will qualify for the lowest auto loan rate. Rates subject to change without notice. All iTHINK Financial Loans, including Visa Credit Cards, are subject to income and identification verification. Contact a Member Service Advisor for the most current rates, terms, fees and conditions that may apply. The consumer loan disclosures are located here: Consumer Lending Plan . Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 5.49% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%
Motorcycles Loan	-	-	5.34%
Details As Low As; Rates based on terms, credit score, and other conditions. Inquire within for details. Not all members will qualify for the lowest auto loan rate. Rates subject to change without notice. All iTHINK Financial Loans, including Visa Credit Cards, are subject to income and identification verification. Contact a Member Service Advisor for the most current rates, terms, fees and conditions that may apply. The consumer loan disclosures are located here: Consumer Lending Plan . Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 5.34% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.06%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

iThink Financial Credit Union’s Texas Ratio rose from 3.86% in Q3 2023 to 5.06% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$2.4B	5.06%	5.0	A+
March 31, 2026	$2.4B	4.90%	5.0	A+
December 31, 2025	$2.3B	5.64%	5.0	A+
September 30, 2025	$2.3B	4.83%	5.0	A+
June 30, 2025	$2.2B	5.55%	5.0	A+
March 31, 2025	$2.2B	5.25%	5.0	A+
December 31, 2024	$2.2B	5.71%	5.0	A+
September 30, 2024	$2.3B	4.38%	5.0	A+
June 30, 2024	$2.3B	4.01%	5.0	A+
March 31, 2024	$2.3B	3.73%	5.0	A+
December 31, 2023	$2.2B	4.63%	5.0	A+
September 30, 2023	$2.2B	3.86%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for iThink Financial Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather iThink Financial Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with iThink Financial Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name iThink Financial Credit Union

Website https://ithinkfi.org

Address 1000 NW 17th Ave, Delray Beach, FL 33445-2555

Phone 561-982-4700

Fax

President Michael Townsend

CEO Michael Miller

Full-Time Employees 396

Part-Time Employees 8

Branch Locations 23

ATM Locations 22

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (97/100)

Texas Ratio

5.06%

Return on Assets (ROA)

0.4039%

Return on Equity (ROE)

3.8401%

Non-Performing Loans Ratio (NPL)

0.75%

Total Assets

2,378,844,359

Total Amount of Shares and Deposits

1,953,139,352

Total Shares and Deposits < 1 Year

1,801,067,540

Total Shares and Deposits 1 3 Years

134,974,506

Total Shares and Deposits > 3 Years

17,097,306

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

252,714,056

Total Uninsured Shares and Deposits > $250K (F+J)

260,923,526

Total Insured Shares and Deposits > $250K (item 17 less item K)

1,692,215,826

Total Interest Expense (Sum of items 6 8)

22,178,038

Share Certificates

14,264

Number of Accounts for Share Drafts

83,301

IRA KEOGH Accounts

3,930

Number of Accounts for Regular Shares

129,490

All other shares

2,034

Non Member Deposits

466

Money Market Shares

6,782

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

154,043,223

Total Liabilities

2,161,600,176

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

iThink Financial Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

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</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

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Frequently Asked Questions About iThink Financial Credit Union

How many branches does iThink Financial Credit Union operate?

iThink Financial Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join iThink Financial Credit Union?

Yes, to access services at iThink Financial Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, iThink Financial Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, iThink Financial Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does iThink Financial Credit Union offer online and mobile banking?

Most modern institutions like iThink Financial Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://ithinkfi.org.