PO BOX 2007
San Bernardino, CA 92406


2019 Overview

General Credit Union Information

NCUA Insured Yes
Charter Number # # 7770
Date Established 1952
Assets $86.09 million
Loans $46.18 million
Deposits $73.40 million
Capital $11.96 million

Thinkwise is an NCUA insured institution located in San Bernardino, CA. It was founded in 1952 and has approximately $86.09 millions in assets.

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.

Deposit Rates - August 17, 2019

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Money Market
0.25% $2,500 $9,999 Learn MoreShow Less
Money Market
0.30% $10,000 $49,999 Learn MoreShow Less
Fixed IRA
1.95% $5 - Learn MoreShow Less
CD Rates (Share Certificate Rates) APY MIN MAX
3 Mo CD
0.90% $500 - Learn MoreShow Less
6 Mo CD
1.65% $500 - Learn MoreShow Less
12 Mo CD
1.95% $500 - Learn MoreShow Less
24 Mo CD
2.40% $500 - Learn MoreShow Less
36 Mo CD
2.55% $500 - Learn MoreShow Less
48 Mo CD
2.65% $500 - Learn MoreShow Less
60 Mo CD
2.95% $500 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
0.25% $1 $2,500 Learn MoreShow Less

Loan Rates - August 17, 2019

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for THINKWISE

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 2019

Lender APR Rate (%) Points Fees Monthly
Learn More
First Internet Bank
NMLS ID: 424182
3.767% 3.750% 0.25 $505 $1,158 Learn More
NMLS ID: 2890
License#: MC-3098
3.414% 3.375% 0.50 $1,238 $1,106 Learn More
Rocket Mortgage
NMLS ID: 3030
4.750% 4.750% 0.00 $0 $1,305 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
4.490 %
$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 Thinkwise 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:

Thinkwise Locations

Financial Details

Thinkwise Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Thinkwise. 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
Thinkwise U.S. Average
5.01% 6.77

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, 2019, Thinkwise had $500,254 in non-current loans and $132,141 in owned assets. To cover these potential losses it had $11,957,112 in net worth and $668,029 in loans loss reserves. That gives it a Texas Ratio of 5.01%.

Net Worth
Thinkwise U.S. Average
13.88% 13.47%

Thinkwise FCU has a net worth of 13.88% versus the BestCashCow average of 13.47. 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 Thinkwise

Branches and Savings

What is Thinkwise?

A federal credit union, registered with the NCUA under certificate #7770.
Learn more about credit unions here.

Is Thinkwise FDIC insured?

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

Who can join Thinkwise?

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

What are Thinkwise's share account and share certificate rates?

Thinkwise'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 Thinkwise?

Thinkwise has total capital of $11.96 million. Full information on Thinkwise's financial position is located above.

Who owns Thinkwise?

Credit Unions are owned by their members.

Where are Thinkwise branches located?

See branch locations nearby.

Are Thinkwise ATMs Open 24/7?

Do Thinkwise ATMs accept cash deposits?

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

Does Thinkwise have a mobile app?

Does Thinkwise have mobile deposit?

Does Thinkwise have quick pay?

How can Thinkwise transfer money to other banks or credit unions?

Does Thinkwise report to credit bureaus?

Does Thinkwise use Chexsystems?

Does Thinkwise use Equifax?

What is Thinkwise's toll free phone number?

What is Thinkwise's ACH Routing Number?

What is Thinkwise's SWIFT code?

Where can I find Thinkwise's wire transfer form?

What is the Thinkwise address for deposits?

What Products Does Thinkwise Offer

Does Thinkwise offer mortgages?

Compare mortgage rates here.

Does Thinkwise offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Thinkwise offer auto and RV loans?

Compare auto loan rates here.

Does Thinkwise offer student loans or personal loans?

Compare personal loan rates here.

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