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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 iThink Financial Credit Union Rates & Review November 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: October 30, 2026
iThink Financial Credit Union's 3, 6, 9 or 12-month CD Account rates are at 4.25%. iThink Financial Credit Union's savings rates are at 0.10%. iThink Financial Credit Union's checking rates are as high as 7.00%. iThink Financial Credit Union's Personal Loan Rates are as low as 19.49%. iThink Financial Credit Union's Credit Card Rates are at 19.49%. iThink Financial Credit Union's CD rates are 41% higher than the MonitorBankRates national average, and it has an A+ health rating. 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 10/30/2026. 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. iThink Financial Credit Union
Delray 1000 NW 17th Ave
https://ithinkfi.org Delray Beach, FL 33445-2555  Customer Reviews
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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 CD Rates
iThink Financial Credit Union Savings Rates
iThink Financial Credit Union Checking Rates
iThink Financial Credit Union Auto Loan Rates
iThink Financial Credit Union RV, Boat and Powersport Loan Rates
iThink Financial Credit Union Credit Card Rates
iThink Financial Credit Union Personal Loan Rates
iThink Financial Credit Union Other Rates
Financial Health HistoryiThink 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
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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
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates 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
FinancialsMonitorBankRates 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
Customer Reviews
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Frequently Asked Questions About iThink Financial Credit UnionDoes iThink Financial Credit Union offer CDs?Yes. iThink Financial Credit Union current CD rates include its 3, 6, 9 or 12-month CD Account at 4.25% APY, verified by MonitorBankRates as of October 30, 2026. Are CDs from iThink Financial Credit Union NCUA insured?Yes. iThink Financial Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category. What is the highest CD rate at iThink Financial Credit Union?The highest iThink Financial Credit Union CD rate is its 3, 6, 9 or 12-month CD Account at 4.25% APY, verified by MonitorBankRates as of October 30, 2026. What CD terms does iThink Financial Credit Union offer?iThink Financial Credit Union CD rates are 4.25% APY for a 12 month CD, verified by MonitorBankRates as of October 30, 2026. The institution may offer other terms or specials that are not listed here, so check with iThink Financial Credit Union for its full lineup. What is the highest savings rate at iThink Financial Credit Union?The highest iThink Financial Credit Union savings rate is its Membership Savings Account at 0.10% APY, verified by MonitorBankRates as of October 30, 2026. What is the highest checking rate at iThink Financial Credit Union?The highest iThink Financial Credit Union checking rate is its myChoice Checking Account at 0.05% APY, verified by MonitorBankRates as of October 30, 2026. What is the lowest auto loan rate at iThink Financial Credit Union?The lowest iThink Financial Credit Union auto loan rate is its Auto Loans at 4.74% APR, verified by MonitorBankRates as of October 30, 2026. What is the lowest personal loan rate at iThink Financial Credit Union?The lowest iThink Financial Credit Union personal loan rate is its myRewards Visa Signature Credit Card at 19.49% APR, verified by MonitorBankRates as of October 30, 2026. What is the lowest credit card APR at iThink Financial Credit Union?The lowest iThink Financial Credit Union credit card APR is its myRewards Visa Signature Credit Card at 19.49% APR, verified by MonitorBankRates as of October 30, 2026. 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. Are all CD rates listed on MonitorBankRates federally insured?Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account. I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit. If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money. Why are some CD offers not available for me to open?Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules. How do iThink Financial Credit Union rates compare?iThink Financial Credit Union's CD rates are 41% higher than the MonitorBankRates national average, and it has an A+ health rating. iThink Financial Credit Union's top rates are its 3, 6, 9 or 12-month CD Account at 4.25% APY, its Membership Savings Account at 0.10% APY, its myChoice Checking Account at 7.00% APY, its myRewards Visa Signature Credit Card at 19.49% APR and its myRewards Visa Signature Credit Card at 19.49% APR, verified by MonitorBankRates on October 30, 2026. Current iThink Financial Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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