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iThink Financial Credit Union

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iThink Financial Credit Union Rates & Review April 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: April 24, 2026

You can compare iThink Financial Credit Union rates to other rates in our database, including 12-month share certificate rates currently at 2.52%, 6-month share certificate rates at 1.00% and 3-month share certificate rates at 3.80%. Savings rates are at 0.30% and money market rates are at 0.30%. Mortgage rates on 30-year fixed loans are around 6.75%. All these rates can be compared to iThink Financial Credit Union rates. 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 5.23%. Rates were last updated on 04/24/2026.

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.

Overall Health & Safety Grade

A+

Exceptional Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

5.23%

Excellent Lower than avg

iThink Financial Credit Union
Delray

1000 NW 17th Ave
Delray Beach, FL 33445 2555

https://ithinkfi.org

iThink Financial Credit Union Credit Card Rates

Product	Rate	APR	View More
myRewards Visa® Signature Credit Card	-	19.24%
Details Variable rates as low as, with no annual, cash advance, or balance transfer fees. Last Updated 04/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.23%

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.

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 385

Part-Time Employees 11

Branch Locations 21

ATM Locations 23

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

5.23%

Return on Assets (ROA)

0.5416%

Return on Equity (ROE)

5.0961%

Non-Performing Loans Ratio (NPL)

0.70%

Total Assets

2,280,401,479

Total Amount of Shares and Deposits

1,863,748,918

Total Shares and Deposits < 1 Year

1,747,298,036

Total Shares and Deposits 1 3 Years

98,315,698

Total Shares and Deposits > 3 Years

18,135,184

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

195,582,389

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

203,999,167

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

1,659,749,751

Total Interest Expense (Sum of items 6 8)

32,910,948

Share Certificates

13,519

Number of Accounts for Share Drafts

80,955

IRA KEOGH Accounts

4,053

Number of Accounts for Regular Shares

126,404

All other shares

2,113

Non Member Deposits

509

Money Market Shares

6,673

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

163,133,705

Total Liabilities

2,078,540,303

Source: NCUA — Last Updated 09/30/2025

Customer Reviews

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Frequently Asked Questions About iThink Financial Credit Union

Is iThink Financial Credit Union a safe place to deposit money?

Yes, iThink Financial Credit Union is considered a safe financial institution. With a Texas Ratio of 5.2305681754654%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category.

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.