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iThink Financial Credit Union Rates & Review September 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
Expertise
  • Automated Online Rate Data Aggregation
  • Location-Based Rate Tables
  • Bank & Credit Union Health Safety Ratings
  • Bank & Credit Union Star Ratings
  • Finance Calculators
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 →
| iEditorial Disclosure
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: September 22, 2026

iThink Financial Credit Union's savings rates are at 0.10%. iThink Financial Credit Union's Personal Loan Rates are as low as 19.24%. iThink Financial Credit Union's Credit Card Rates are at 19.24%. 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 4.90%. Rates last updated and verified on 09/22/2026.

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.

MonitorBankRates Verified Healthy Badge 2026 Verified Healthy 2026 Use This Badge on Your Credit Union Website
Overall Health & Safety Grade ?
A+
Exceptional Health Score: 98/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
4.90%
Excellent Lower than avg
Health Trend ?
Very strong 12 quarters
Full history ›
iThink Financial Credit Union
Delray
1000 NW 17th Ave
Delray Beach, FL 33445-2555
https://ithinkfi.org
Member NCUA

iThink Financial Credit Union Savings Rates

Product Rate APY View More
Membership Savings Account 0.10% 0.10%
Min Balance $0
Details Balance: $0.00 - unlimited
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.90%

iThink Financial Credit Union Checking Rates

Product Rate APY View More
myChoice Checking Account 6.82% 7.00%
Min Deposit $25
Min Balance $0
Details Balance: $0.00 - $3,000
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.90%
myChoice Checking Account 0.05% 0.05%
Min Deposit $25
Min Balance $3,000
Details Balance: $3,000 +
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.90%

iThink Financial Credit Union Auto Loan Rates

Product Rate Points APR Term View More
New Auto Loans - - 4.24%
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.
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.90%
Used Auto Loans - - 4.24%
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.
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.90%

iThink Financial Credit Union RV, Boat and Powersport Loan Rates

Product Rate APR Term View More
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.
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.90%
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.
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.90%
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.
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.90%
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.
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.90%
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.
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.90%
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.
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.90%

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 19.24% APR, with no annual, cash advance, or balance transfer fees.
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.90%

iThink Financial Credit Union Personal Loan Rates

Product APR Term View More
myRewards Visa Signature Credit Card 19.24%
Details Variable rates as low as 19.24% APR, with no annual, cash advance, or balance transfer fees.
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.90%

iThink Financial Credit Union Other Rates

Product Rate Points APY/APR Term View More
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.
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.90%
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.
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.90%
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.
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Financial Health History

iThink Financial Credit Union’s Texas Ratio rose from 3.40% in Q2 2023 to 4.90% in Q1 2026, so its financial health has stayed very strong 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.

0% 1.0★ 1.9% 2.0★ 3.9% 3.0★ 5.8% 4.0★ 7.7% 5.0★ Healthy zone – entire history below the 15% limit 3.40% A+ Q2 2023 A+ Q3 2023 A+ Q4 2023 A+ Q1 2024 A+ Q2 2024 A+ Q3 2024 A+ Q4 2024 A+ Q1 2025 A+ Q2 2025 A+ Q3 2025 A+ Q4 2025 4.90% A+ Q1 2026
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
Powered by MonitorBankRates

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
QuarterTotal assetsTexas RatioStar RatingHealth Grade
March 31, 2026$2.4B4.90%5.0A+
December 31, 2025$2.3B5.64%5.0A+
September 30, 2025$2.3B4.83%5.0A+
June 30, 2025$2.2B5.55%5.0A+
March 31, 2025$2.2B5.25%5.0A+
December 31, 2024$2.2B5.71%5.0A+
September 30, 2024$2.3B4.38%5.0A+
June 30, 2024$2.3B4.01%5.0A+
March 31, 2024$2.3B3.73%5.0A+
December 31, 2023$2.2B4.63%5.0A+
September 30, 2023$2.2B3.86%5.0A+
June 30, 2023$2.2B3.40%5.0A+
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 389
Part-Time Employees 12
Branch Locations 21
ATM Locations 21
NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (98/100)
Texas Ratio
4.90%
Return on Assets (ROA)
0.1963%
Return on Equity (ROE)
1.8574%
Non-Performing Loans Ratio (NPL)
0.72%
Total Assets
2,358,749,296
Total Amount of Shares and Deposits
1,940,882,526
Total Shares and Deposits < 1 Year
1,796,568,659
Total Shares and Deposits 1 3 Years
127,010,086
Total Shares and Deposits > 3 Years
17,303,781
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
232,015,436
Total Uninsured Shares and Deposits > $250K (F+J)
242,026,073
Total Insured Shares and Deposits > $250K (item 17 less item K)
1,698,856,453
Total Interest Expense (Sum of items 6 8)
10,872,190
Share Certificates
14,252
Number of Accounts for Share Drafts
82,403
IRA KEOGH Accounts
3,975
Number of Accounts for Regular Shares
128,493
All other shares
2,073
Non Member Deposits
484
Money Market Shares
6,741
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)
155,525,978
Total Liabilities
2,145,203,809
Source: NCUA — Last Updated 03/31/2026
MonitorBankRates Verified Healthy Badge 2026
2026 MBR Health & Safety Badge

iThink Financial Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 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 — no need to download or upload anything.

<a href="https://monitorbankrates.com/credit-unions/ithink-financial-credit-union-rates-review-68663">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>
Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

There are no reviews for iThink Financial Credit Union yet. Feel free to create one below.
Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Average Rating
☆☆☆☆☆
Total Reviews
0
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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.

Current iThink Financial Credit Union Rates

  • Savings0.10%
Retrieved from our database of financial products. Rates subject to change.

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