Ithink Financial Credit Union

Headquarters

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

Notable Rates APY Vs.Others
Savings 0.10% 5.50% →
1-Year CD 5.00% 5.38% →
2-Year CD 5.00% 4.95% →
5-Year CD N.A. 4.55% →
30-Year Mortgage N.A. 4.91% →
15-Year Mortgage N.A. 4.39% →
HELOC N.A. 0.99% →

2024 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 $2255.04 millions in assets.

NCUA Insured Yes / State-Chartered
Charter Number # # 68663
Date Established 1969
Assets $2,255.04 million
Loans $1,778.93 million
Deposits $1,783.46 million
Capital $216.43 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 - July 25, 2024

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
SAV
0.10% $0 - Learn More
Money Market
0.50% $0 $9,999 Learn More
Money Market
0.50% $10,000 $24,999 Learn More
Money Market
0.70% $25,000 $49,999 Learn More
Money Market
0.85% $50,000 $99,999 Learn More
Money Market
1.41% $100,000 $249,999 Learn More
Money Market
2.02% $250,000 - Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
2.12% $1,000 - Learn More
6 Mo CD
2.12% $25,000 - Learn More
7 Mo CD
4.90% $1,000 - Learn More
7 Mo CD
2.22% $25,000 - Learn More
12 Mo CD
5.00% $1,000 - Learn More
12 Mo CD
4.90% $25,000 - Learn More
13 Mo CD
2.28% $1,000 - Learn More
13 Mo CD
5.00% $25,000 - Learn More
18 Mo CD
2.43% $1,000 - Learn More
24 Mo CD
3.20% $1,000 - Learn More
24 Mo CD
5.00% $25,000 - Learn More
30 Mo CD
3.46% $1,000 - Learn More
36 Mo CD
3.98% $1,000 - Learn More
36 Mo CD
2.53% $25,000 - Learn More
48 Mo CD
4.08% $1,000 - Learn More
48 Mo CD
3.30% $25,000 - Learn More

Loan Rates - July 25, 2024

Your Current Location: Virginia, VA 20146

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 - Virginia 30 Year Fixed Mortgage Rates 2024

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
PenFed Credit Union
NMLS ID: 401822
6.668% 6.500% 0.75 $5,603 $2,023 Learn More
Mutual of Omaha Mortgage, Inc.
NMLS ID: 1025894
6.725% 6.625% 0.75 $3,298 $2,049 Learn More
Rocket Mortgage
NMLS ID: 3030
7.064% 6.990% 0.75 $2,400 $2,127 Learn More
Veterans United Home Loans
NMLS ID: 1907
Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2024

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
7.990 %
$0 Learn More
More Info

Note to Ithink Financial
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Branches

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:
Ashburn,Virginia



Climate Policy and Initiatives

ITHINK FINANCIAL is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.


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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
10.65% 6.52

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 March 31, 2024, Ithink Financial had $23,261,224 in non-current loans and $960,579 in owned assets. To cover these potential losses it had $216,425,222 in net worth and $11,088,435 in loans loss reserves. That gives it a Texas Ratio of 10.65%.

Net Worth
Ithink Financial U.S. Average
9.84% 13.65%

Ithink Financial FCU has a net worth of 9.84% versus the BestCashCow average of 13.65. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.



Customer Reviews for Ithink Financial

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