Thinkwise Credit Union
Popular Accounts at this Credit Union
| APY | ACCOUNT TYPE | ACCOUNT NAME |
|---|---|---|
| 2.30% | 5-year CD | 60 Month Term Share |
| 1.15% | 1-year CD | 12 Month Term Share 0.90% - National Average |
| 0.15% | Savings | Regular Share 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 1,782nd largest credit union in the nation. It was established in 1952 and as of March of 2018, it had grown to 15 employees and 5,386 members at 2 locations. Thinkwise Credit Union's money market rates are 48% higher than the national average, and it has an A 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 Q1 2018
Learn why bank health mattersHealth Grade Components
| Overall | |
|---|---|
| NCUA # | 7770 |
| Year Chartered | 1952 |
| Employees | 15 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 0.58% |
| Return on Equity - YTD | 4.42% |
| Annual Interest Income | $721.00K |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q1 2018vs Q1 2017 | $84.7MM$81.0MM |
| Loans | Q1 2018vs Q1 2017 | $42.3MM$40.3MM |
| Deposits | Q1 2018vs Q1 2017 | $72.4MM$69.4MM |
| Equity Capital | Q1 2018vs Q1 2017 | $10.9MM$10.8MM |
| Loan Loss Allowance | Q1 2018vs Q1 2017 | $687.00K$612.00K |
| Unbacked Noncurrent Loans | Q1 2018vs Q1 2017 | $687.00K$633.00K |
| Real Estate Owned | Q1 2018vs Q1 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% | - | - | IRA Deposit Account | ||
| 0.25% | - | - | Roth IRA Deposit Account | ||
| 0.15%* | $5k* | - | Regular Share Savings | ||
| OTHER TIERS: 0.05% → $25 - $2,500 | 0.10% → $2,500 - $5k | |||||
| 0.15%* | $5k* | - | Youth Share Savings | ||
| OTHER TIERS: 0.05% → $25 - $2,500 | 0.10% → $2,500 - $5k | |||||
| 0.15% | - | - | Christmas Club Account | ||
Thinkwise Credit Union Money Market Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
|---|---|---|---|---|---|
| 0.65%* | $250k* | - | Honors Money Market | ||
| OTHER TIERS: 0.25% → $2,500 - $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% | $500 | - | 60 Month Term Share | |
| 1.95% | $500 | - | 48 Month Term Share | |
| 1.70% | $500 | - | 36 Month Term Share | |
| 1.40% | $500 | - | 24 Month Term Share | |
| 1.15% | $500 | - | 12 Month Term Share | |
| 1.15% | $100 | - | 12 Month Youth Term Share | |
| 0.85% | $500 | - | 6 Month Term Share | |
| 0.60% | $500 | - | 3 Month Term Share |
Thinkwise Credit Union IRA Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 1.15% | $500 | - | 12 Month Traditional IRA Term Share Certificate | |
| 1.15% | $500 | - | 12 Month Roth IRA Term Share Certificate |
| Thinkwise Credit Union Locations | ||
|---|---|---|
| Branch Office | 2441 N Sierra Way | San Bernardino, CA 92405 |
| Corporate Office | 9389 Cherry Ave | Fontana, CA 92335 |