Ithink Financial


P O Box 5090
Boca Raton, FL 33487
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.10% 0.65% →
1-Year CD 0.20% 0.70% →
2-Year CD 0.40% 0.75% →
5-Year CD 1.35% 1.15% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Credit Union Information

Ithink Financial is an NCUA insured institution located in Boca Raton, FL. It was founded in 1969 and has approximately $1712.16 millions in assets.

NCUA Insured Yes / State-Chartered
Charter Number # # 68663
Date Established 1969
Assets $1,712.16 million
Loans $1,356.31 million
Deposits $1,502.80 million
Capital $145.19 million

Field of Membership Restrictions

Membership in IBM Southeast Employees’ Credit Union is open to the following: (1) those who live or work in Broward, Hillsborough, Martin, Palm Beach, Pinellas, or St. Lucie Counties in Florida; (2) those who live or work in Bartow, Cherokee, Clayton, Cobb, DeKalb, Douglas, Forsyth, Fulton, Gwinnett, Henry, Paulding, or Pickins Counties in Georgia; (3) employees of the credit union's Member Companies-not listed on the credit union's site.

Deposit Rates - June 22, 2021

Your Current Location: California, CA 92111

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
0.10% $2,500 $4,999 Learn More
Money Market
0.05% $2,500 $2,999 Learn More
Money Market
0.05% $10,000 $14,999 Learn More
Money Market
0.05% $25,000 $29,999 Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
0.25% $10,000 $14,999 Learn More
6 Mo CD
0.35% $100,000 $199,999 Learn More
12 Mo CD
0.20% $10,000 $14,999 Learn More
12 Mo CD
0.20% $100,000 $199,999 Learn More
18 Mo CD
0.50% $10,000 $14,999 Learn More
18 Mo CD
0.50% $100,000 $199,999 Learn More
24 Mo CD
0.40% $10,000 $14,999 Learn More
24 Mo CD
0.40% $100,000 $199,999 Learn More
30 Mo CD
0.70% $10,000 $14,999 Learn More
30 Mo CD
0.70% $100,000 $199,999 Learn More
36 Mo CD
0.60% $10,000 $14,999 Learn More
36 Mo CD
0.60% $100,000 $199,999 Learn More
48 Mo CD
0.70% $10,000 $14,999 Learn More
48 Mo CD
0.70% $100,000 $199,999 Learn More
Special: 60 Mo CD
1.35% $1,000 $250,000 Learn More
60 Mo CD
1.35% $10,000 $14,999 Learn More
60 Mo CD
1.35% $100,000 $199,999 Learn More
Special: 60 Mo FIRA
1.35% $1,000 $250,000 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.05% $2,500 $3,499 Learn MoreShow Less

Loan Rates - June 22, 2021

Your Current Location: California, CA 92111

There are currently no loan rates available for ITHINK FINANCIAL

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - California 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Points Fees Monthly
Learn More
Neighbors Bank
NMLS ID: 491986
3.029% 2.990% 0.50 $1,250 $1,053 Learn More

Featured - California Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
BMO Harris Bank
BMO Harris Bank
See Table
Intro APR
1.990 %
After Intro: 4.840 %
Intro Period: 12 months
$0 Learn More
More Info
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
2.240 %
$0 Learn More
More Info

To upload and update your bank's rates please register. It is free to register and add rates.



Below are Ithink Financial branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
San Diego,California

Ithink Financial Locations

Financial Details

Ithink Financial Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Ithink Financial. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
Ithink Financial U.S. Average
5.41% 5.40

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of December 31, 2020, Ithink Financial had $7,737,748 in non-current loans and $773,145 in owned assets. To cover these potential losses it had $145,186,173 in net worth and $12,149,381 in loans loss reserves. That gives it a Texas Ratio of 5.41%.

Net Worth
Ithink Financial U.S. Average
8.47% 12.67%

Ithink Financial FCU has a net worth of 8.47% versus the BestCashCow average of 12.67. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About Ithink Financial

Branches and Savings

What is Ithink Financial?

A credit union, registered with the NCUA under certificate #68663.
Learn more about credit unions here.

Is Ithink Financial FDIC insured?

No, credit unions are not insured by the FDIC. Most, but not all, are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance. Ithink Financial is insured by the NCUA.

Who can join Ithink Financial?

Please see Field of Membership information above for information on who is eligible to join.

What are Ithink Financial's share account and share certificate rates?

Ithink Financial's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is Ithink Financial?

Ithink Financial has total capital of $145.19 million. Full information on Ithink Financial's financial position is located above.

Who owns Ithink Financial?

Credit Unions are owned by their members.

Where are Ithink Financial branches located?

See branch locations nearby.

Are Ithink Financial ATMs Open 24/7?

Do Ithink Financial ATMs accept cash deposits?

Can Ithink Financial customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does Ithink Financial have a mobile app?

Does Ithink Financial have mobile deposit?

Does Ithink Financial have quick pay?

How can Ithink Financial transfer money to other banks or credit unions?

Does Ithink Financial report to credit bureaus?

Does Ithink Financial use Chexsystems?

Does Ithink Financial use Equifax?

What is Ithink Financial's toll free phone number?

What is Ithink Financial's ACH Routing Number?

What is Ithink Financial's SWIFT code?

Where can I find Ithink Financial's wire transfer form?

What is the Ithink Financial address for deposits?

What Products Does Ithink Financial Offer

Does Ithink Financial offer mortgages?

Compare mortgage rates here.

Does Ithink Financial offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Ithink Financial offer auto and RV loans?

Compare auto loan rates here.

Does Ithink Financial offer student loans or personal loans?

Compare personal loan rates here.

Customer Reviews for Ithink Financial

There are currently no comments for Ithink Financial. Be the first to share your experience. Please provide comments that will help others.

Add Your Review

Rate it here →