Overview / Commentary
909-882-2911
2441 N Sierra Way
San Bernardino, CA 92405

Thinkwise Credit Union is headquartered in San Bernardino and is the 162nd largest credit union in the state of California. It is also the 1,770th largest credit union in the nation. It was established in 1952 and as of September of 2018, it had grown to 17 employees and 5,541 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

Reviews (1)

Small, friendly, and inconvenient

Posted by: Sean | Apr 14, 2014

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.



Health
Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Thinkwise Credit Union has a relatively low asset base.

Health Grade Components

Overall
NCUA #7770
Year Chartered1952
Employees17
Primary Regulator
Profit Margin
Return on Assets - YTD1.25%
Return on Equity - YTD9.15%
Annual Interest Income$2.3MM
Assets and Liabilities
AssetsQ3 2018vs Q3 2017$84.8MM$80.7MM
LoansQ3 2018vs Q3 2017$45.8MM$40.7MM
DepositsQ3 2018vs Q3 2017$72.3MM$69.0MM
Equity CapitalQ3 2018vs Q3 2017$11.6MM$10.7MM
Loan Loss AllowanceQ3 2018vs Q3 2017$563.00K$565.00K
Unbacked Noncurrent LoansQ3 2018vs Q3 2017$944.00K$1.4MM
Real Estate OwnedQ3 2018vs Q3 2017$0$229.00K
Rates
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* 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

APYMINMAXACCOUNT NAMEVIEW 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

APYMINMAXACCOUNT NAMEVIEW 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

APYMINMAXACCOUNT NAMEVIEW 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

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.15%--12 Month IRA Term Savings
1.15%--12 Month Roth IRA Term Savings
Locations


Thinkwise Credit Union Locations
Branch Office2441 N Sierra WaySan Bernardino, CA 92405
Corporate Office9389 Cherry AveFontana, CA 92335

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