Thinkwise Credit Union
Popular Accounts at this Credit Union
| APY | ACCOUNT TYPE | ACCOUNT NAME |
|---|---|---|
| 2.30% | 5-year CD | 60 Month Term Savings |
| 1.15% | 1-year CD | 12 Month Term Savings 2.45% - Barclays 12 Month Online CD |
| 0.15% | Savings | Regular Savings |
Thinkwise Credit Union is headquartered in San Bernardino and is the 161st largest credit union in the state of California. It is also the 1,776th largest credit union in the nation. It was established in 1952 and as of June of 2018, it had grown to 17 employees and 5,501 members at 2 locations. Thinkwise Credit Union's money market rates are 48% higher than the national average, and it has a B+ health rating.
Field of Membership Restrictions
Membership is open to employees of a public or private school in San Bernardino, Orange or Riverside Counties, including colleges, universities, parochial schools, charter schools, and school districts.
See current membership details
Small, friendly, and inconvenient
I have been a member of this credit union since I was a child. When I was younger, it was nice that all of the employees knew my name and we're very friendly. It was this attitude that kept me as a member even when my needs changed. In recent years, there has been a serious decrease in friendliness and the personal treatment that was so common in the past. Additionally, the credit union has lagged significantly in the area of mobile banking and apps. It used to make sense to put up with the inconvenience of a single branch with poor hours, but I hardly ever use this credit union anymore.
Data as of Q2 2018
Learn why bank health mattersHealth Grade Components
| Overall | |
|---|---|
| NCUA # | 7770 |
| Year Chartered | 1952 |
| Employees | 17 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 0.88% |
| Return on Equity - YTD | 6.68% |
| Annual Interest Income | $1.5MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q2 2018vs Q2 2017 | $84.9MM$80.5MM |
| Loans | Q2 2018vs Q2 2017 | $44.7MM$41.1MM |
| Deposits | Q2 2018vs Q2 2017 | $72.8MM$68.9MM |
| Equity Capital | Q2 2018vs Q2 2017 | $11.2MM$10.8MM |
| Loan Loss Allowance | Q2 2018vs Q2 2017 | $652.00K$578.00K |
| Unbacked Noncurrent Loans | Q2 2018vs Q2 2017 | $1.3MM$1.3MM |
| Real Estate Owned | Q2 2018vs Q2 2017 | $229.00K$229.00K |
Always verify rates and promotions with the bank or credit union. We are not Thinkwise Credit Union; 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.
Thinkwise Credit Union Savings Account Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
|---|---|---|---|---|---|
| 0.25% | $5 | - | IRA Deposit | ||
| 0.25% | $5 | - | Roth IRA Deposit | ||
| 0.15%* | $5k* | - | Regular Savings | ||
| OTHER TIERS: 0.05% → $25 - $2.5k | 0.10% → $2.5k - $5k | |||||
| 0.15%* | $5k* | - | Youth Savings | ||
| OTHER TIERS: 0.05% → $25 - $2.5k | 0.10% → $2.5k - $5k | |||||
| 0.15% | - | - | Christmas Club | ||
Thinkwise Credit Union Money Market Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
|---|---|---|---|---|---|
| 0.65%* | $250k* | - | Honors Money Market | ||
| OTHER TIERS: 0.25% → $2.5k - $10k | 0.30% → $10k - $50k | 0.40% → $50k - $100k | 0.55% → $100k - $250k | |||||
Thinkwise Credit Union CD Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 2.30% | - | - | 60 Month Term Savings | |
| 1.95% | - | - | 48 Month Term Savings | |
| 1.70% | - | - | 36 Month Term Savings | |
| 1.40% | - | - | 24 Month Term Savings | |
| 1.15% | - | - | 12 Month Term Savings | |
| 1.15% | - | - | 12 Month Youth Term Savings | |
| 0.85% | - | - | 6 Month Term Savings | |
| 0.60% | - | - | 3 Month Term Savings |
Thinkwise Credit Union IRA Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 1.15% | - | - | 12 Month IRA Term Savings | |
| 1.15% | - | - | 12 Month Roth IRA Term Savings |
| Thinkwise Credit Union Locations | ||
|---|---|---|
| Branch Office | 2441 N Sierra Way | San Bernardino, CA 92405 |
| Corporate Office | 9389 Cherry Ave | Fontana, CA 92335 |