Featured Savings Rates
Featured Accounts
Overview / Commentary
2441 N Sierra Way
San Bernardino, CA 92405

Thinkwise Credit Union is headquartered in San Bernardino and is the 161st largest credit union in the state of California. It is also the 1,803rd largest credit union in the nation. It was established in 1952 and as of December of 2017, it had grown to 15 employees and 5,295 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

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.

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

NCUA #7770
Year Chartered1952
Primary Regulator
Profit Margin
Return on Assets - YTD0.13%
Return on Equity - YTD1.01%
Annual Interest Income$2.6MM
Assets and Liabilities
AssetsQ4 2017vs Q4 2016$81.0MM$78.4MM
LoansQ4 2017vs Q4 2016$40.0MM$40.4MM
DepositsQ4 2017vs Q4 2016$69.2MM$67.1MM
Equity CapitalQ4 2017vs Q4 2016$10.8MM$10.7MM
Loan Loss AllowanceQ4 2017vs Q4 2016$679.00K$622.00K
Unbacked Noncurrent LoansQ4 2017vs Q4 2016$1.3MM$856.00K
Real Estate OwnedQ4 2017vs Q4 2016$229.00K$229.00K
Skip to rates for:
Report an Issue

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

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

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

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

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 Office2441 N Sierra WaySan Bernardino, CA 92405
Corporate Office9389 Cherry AveFontana, CA 92335