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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Thinkwise Federal Credit Union Rates & Review March 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: March 15, 2026
Thinkwise Federal Credit Union's Gen-T Term CD* 12 month rates are at 4.25%, Term CD 3 month rates are at 3.50%, Term CD 60 month rates are at 3.50%, Term CD Quantum Term (60 month) rates are at 3.50%, Term CD 48 month rates are at 3.25%. Thinkwise Federal Credit Union's savings rates are at 0.00%. Thinkwise Federal Credit Union's money market rates are at 0.00%. Thinkwise Federal Credit Union's Personal Loan Rates are at 8.50%. MonitorBankRates evaluates the financial stability of Thinkwise Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.33%. Rates were last updated on 03/15/2026. Thinkwise Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Thinkwise Federal Credit Union? Share your experience about Thinkwise Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Thinkwise Federal Credit Union. Thinkwise Federal Credit Union
E Street Branch (HQ) 599 N E St
https://www.thinkwisecu.org San Bernardino, CA 92401 
Thinkwise Federal Credit Union CD Rates
Thinkwise Federal Credit Union Savings Rates
Thinkwise Federal Credit Union Money Market Rates
Thinkwise Federal Credit Union Auto Loan Rates
Thinkwise Federal Credit Union Credit Card Rates
Thinkwise Federal Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Thinkwise Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Thinkwise Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Thinkwise Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Thinkwise Federal Credit Union
Website
https://www.thinkwisecu.org
Address
599 N E St,
San Bernardino, CA 92401
Phone
909-882-2911
Fax
909-882-6471
President
Bradley McDuffee
CEO
Heri Garcia
Full-Time Employees
26
Part-Time Employees
1
Branch Locations
2
ATM Locations
3
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (98/100)
Texas Ratio
3.33%
Return on Assets (ROA)
0.3309%
Return on Equity (ROE)
3.5591%
Non-Performing Loans Ratio (NPL)
0.68%
Total Assets
119,243,133
Total Amount of Shares and Deposits
105,542,416
Total Shares and Deposits < 1 Year
101,473,289
Total Shares and Deposits 1 3 Years
2,281,607
Total Shares and Deposits > 3 Years
1,787,521
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
14,977,593
Total Uninsured Shares and Deposits > $250K (F+J)
14,977,593
Total Insured Shares and Deposits > $250K (item 17 less item K)
90,564,823
Total Interest Expense (Sum of items 6 8)
735,278
Share Certificates
698
Number of Accounts for Share Drafts
4,149
IRA KEOGH Accounts
138
Number of Accounts for Regular Shares
9,006
Money Market Shares
340
Net Income (unless the amount is already included in Undivided Earnings)
394,567
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
33,250,003
Total Liabilities
108,219,084
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Thinkwise Federal Credit UnionIs Thinkwise Federal Credit Union a safe place to deposit money?Yes, Thinkwise Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 3.3320121550805%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does Thinkwise Federal Credit Union operate?Thinkwise Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join Thinkwise Federal Credit Union?Yes, to access services at Thinkwise Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, Thinkwise Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Thinkwise Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Thinkwise Federal Credit Union offer online and mobile banking?Most modern institutions like Thinkwise Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.thinkwisecu.org. Current Thinkwise Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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