iTHINK Financial

Overview / Commentary
1000 NW 17th Ave
Delray Beach, FL 33445

iTHINK Financial is headquartered in Delray Beach and is the 14th largest credit union in the state of Florida. It is also the 218th largest credit union in the nation. It was established in 1969 and as of March of 2024, it had grown to 380 employees and 108,340 members at 21 locations. iTHINK Financial's money market rates are 5X the national average, and it has a B+ health rating.

Field of Membership Restrictions

iTHINK Financial is open to those who live, work, go to school or worship in the Florida counties of Brevard, Broward, Hillsborough, Indian River, Martin, Okeechobee, Osceola, Palm Beach, Pinellas, Polk, or Saint Lucie, or the Georgia counties of Bartow, Cherokee, Clayton, Cobb, DeKalb, Douglas, Forsyth, Fulton, Gwinnett, Henry, Paulding, or Pickens. Membership is also open to immediate family of existing members, and current or retired employees of any of the more than 500 Member Companies (a list of companies are posted in the credit union's online opening process).
See current membership details

The Best In Banking -IBM Southeast Credit Union

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My experience with IBM Southeast Employees Federal Credit Union began in 1997. During that year I made a poor decision in purchase a vehicle at a astronomical percentage rate, and had no recourse. A few months later IBM in association with the company I worked for had a promotional event. IBM was able to assist in paying of the high interest loan and help in easing the financial burden I was carrying. In addition, their customer service is fantastic and their willingness to listen to the needs of the customer in a personable way cannot be found in most banking institutions. Since then a feel a sense of gratitude in maintaining my membership with IBM.

One Of The Worst Financial Institutions

I have been a customer with several financial institutions over the years, but I have never dealt with a financial institution that have made as many mistakes as this one. Here is just a few things that happened. When I initially opened my account I provided all the documentation requested. A few months later, I received a request to provide some of the same information. I shook that off though, then I signed up to receive my bank statements on line even though I was still getting them through the mail, lastly, when I moved I provided them with the correct address and then one day I received a 5.00 charge because my mail returned.

Who in the world charges people because their mail returned? I often wondered why they didn't send me an email instead. When I called to get the charge removed the person I spoke with was not personable and could have cared less what I had to say. She didn't offer to remove the charge and acted as if it was normal to be charged. The representatives don't have the proper attitudes and even when you get one that is nice, they are helpless to assist you. That day I made the decision to close my account.

Closing After 23 Years!!!

First of all, I was proud to say I banked at IBM credit union. Who in their right mind, thought it was a good idea to change the name to iThink? I Think NOT! Their customer service is non-existent. I have put up with so much from them and stayed loyal but this last real estate transaction, they nearly caused me to lose the deal with their shenanigans. Years ago, I had a representative assigned to me, so it didn't matter that they moved out of the Tampa Bay area. I picked up the phone and my rep would handle my business. Now, regardless of how much money you have in your accounts, you do not get an assigned representative. I put up with them screwing up my bill pay accounts. It cost me a lot of money and time. I never trusted, nor used it again. I set up auto pays with merchants (which I hate to do), in order to avoid using their 3rd party bill pay system. It took me an inordinate amount of time to get approved for a HELOC that I just wanted to have sitting there. Ridiculous. I finally just closed it out because they were making accounting errors on it. I put up with this jazz for years. However, this last home I purchased, it took me FOUR days to get them to wire MY MONEY for escrow. I nearly lost the deal due to their incompetence. That was the straw that broke the camel's back for me. It's been a pain because they are over 300 miles away from me. I had to have my SS check moved elsewhere too. No fun. But it's worth it to me. If I can save others the headaches they caused me, I gladly will.

Title Nightmare!!!!!

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After finally paying off my car. I noticed that I did not receive my car title. I called customer service and was told that it was sent to my previous address. After going through all the trouble to change my address some some smart person still sent the title to the wrong address. I was told that I was being blamed because I didn't change the address on the car title itself which no one at the credit union advised. Now I am stuck with the expense of applying for another title. Angry and super frustrated with Ithink Financial now and forever!



Health Grade Components

NCUA #68663
Year Chartered1969
Primary Regulator
Profit Margin
Return on Assets - YTD0.52%
Return on Equity - YTD7.03%
Annual Interest Income$25.9MM
Assets and Liabilities
AssetsQ1 2024vs Q1 2023$2.26B$2.18B
LoansQ1 2024vs Q1 2023$1.78B$1.78B
DepositsQ1 2024vs Q1 2023$1.78B$1.82B
Equity CapitalQ1 2024vs Q1 2023$163.6MM$148.2MM
Loan Loss AllowanceQ1 2024vs Q1 2023$17.5MM$18.5MM
Unbacked Noncurrent LoansQ1 2024vs Q1 2023$8.7MM$5.4MM
Real Estate OwnedQ1 2024vs Q1 2023$58K$0
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Always verify rates and promotions with the bank or credit union. We are not iTHINK Financial; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

iTHINK Financial Savings Account Rates

0.10%$0-Membership Savings
0.10%$100-Roth/Education Share Accounts
0.10%$100-Traditional Share Account
0.10%$0-Business Savings Account

iTHINK Financial Money Market Rates

2.02%*$250k*-Money Market Max
OTHER TIERS: 0.50% $0 - $25k | 0.70% $25k - $50k | 0.85% $50k - $100k | 1.41% $100k+
1.51%*$10k*-HSA Money Market Account
OTHER TIERS: 1.00% $0 - $10k

iTHINK Financial Checking Account Rates

7.00%*$0$3kmyChoice Checking
OTHER TIERS: 0.05% $3k+
3.45%$0-Lawyer Trust IOTA/IOLTA

iTHINK Financial CD Rates

5.25%$1k-10 Month Certificate Special
5.25%$25k$250k10 Month Diamond Rewards Certificate Special
5.25%$25k$250k10 Month Platinum Rewards Certificate Special
4.65%$25k$250k15 Month Diamond Reward Certificate Special
4.65%$25k$250k15 Month Platinum Reward Certificate Special
4.65%$1k$250k15 Month CD Special
4.18%$25k-60 Month Diamond Rewards Certificate
4.18%$25k-84 Month Diamond Rewards Certificate
4.18%$25k-84 Month Platinum Rewards Certificate
4.08%$25k-60 Month Platinum Rewards Certificate
4.08%$1k-84 Month Certificate
4.08%$25k-48 Month Diamond Rewards Certificate
3.98%$1k-60 Month Certificate
3.56%$25k-36 Month Diamond Rewards Certificate
3.56%$25k-48 Month Platinum Rewards Certificate
3.46%$1k$250k48 Month Certificate
3.30%$25k-24 Month Diamond Rewards Certificate
3.30%$25k-36 Month Platinum Rewards Certificate
3.20%$1k-36 Month Certificate
2.53%$25k-12 Month Diamond Rewards Certificate
2.53%$25k-24 Month Platinum Rewards Certificate
2.43%$1k-24 Month Certificate
2.38%$25k-12 Month Platinum Rewards Certificate
2.28%$1k-12 Month Certificate
2.22%$25k-6 Month Diamond Rewards Certificate
2.22%$25k-6 Month Platinum Rewards Certificate
2.12%$1k-6 Month Certificate
2.12%$500- 6 Month HSA Certificate
2.12%$25k-3 Month Diamond Rewards Certificate
2.12%$25k-3 Month Platinum Rewards Certificate
2.02%$1k-3 Month Certificate

iTHINK Financial IRA Rates

5.25%$1k-10 Month IRA
4.65%$1k-15 Month IRA
3.98%$1k-60 Month IRA
3.46%$1k$250k48 Month IRA
3.20%$1k-36 Month IRA
2.43%$1k-24 Month IRA
2.28%$1k-12 Month IRA


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