Thinkwise Credit Union
Popular Accounts at this Credit Union
| APY | ACCOUNT TYPE | ACCOUNT NAME |
|---|---|---|
| 2.30% | 5-year CD | 60 Month Term Share 2.25% - Ally Bank High Yield 5 Year CD |
| 1.15% | 1-year CD | 12 Month Term Share 1.50% - Ally Bank No Penalty 11-Month CD |
| 0.15% | Savings | Regular Share Savings 1.20% - Ally Bank Online Savings Account |
Thinkwise Credit Union is headquartered in San Bernardino and is the 165th largest credit union in the state of California. It is also the 1,825th largest credit union in the nation. It was established in 1952 and as of June of 2017, it had grown to 16 employees and 5,379 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 2017
Learn why bank health mattersHealth Grade Components
| Overall | |
|---|---|
| NCUA # | 7770 |
| Year Chartered | 1952 |
| Employees | 16 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 0.21% |
| Return on Equity - YTD | 1.53% |
| Annual Interest Income | $1.3MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q2 2017vs Q2 2016 | $80.5MM$76.7MM |
| Loans | Q2 2017vs Q2 2016 | $41.1MM$41.1MM |
| Deposits | Q2 2017vs Q2 2016 | $68.9MM$65.5MM |
| Equity Capital | Q2 2017vs Q2 2016 | $10.8MM$10.6MM |
| Loan Loss Allowance | Q2 2017vs Q2 2016 | $578.00K$650.00K |
| Unbacked Noncurrent Loans | Q2 2017vs Q2 2016 | $1.3MM$830.00K |
| Real Estate Owned | Q2 2017vs Q2 2016 | $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 |