Ithink Financial Credit Union
Headquarters
P O Box 5090
Boca Raton, FL 33487
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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 $2254.65 millions in assets.
| NCUA Insured | Yes / State-Chartered |
| Charter Number # | # 68663 |
| Date Established | 1969 |
| Assets | $2,254.65 million |
| Loans | $1,795.57 million |
| Deposits | $1,773.99 million |
| Capital | $222.96 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 - November 21, 2024
Your Current Location: Ohio, OH 43085
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| SAV
|
0.10% | $0 | - |
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|
|
Money Market
|
0.50% | $0 | $9,999 |
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|
|
Money Market
|
0.50% | $10,000 | $24,999 |
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|
|
Money Market
|
0.65% | $25,000 | $49,999 |
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|
|
Money Market
|
0.75% | $50,000 | $99,999 |
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|
|
Money Market
|
1.26% | $100,000 | $249,999 |
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|
|
Money Market
|
1.76% | $250,000 | - |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Mo CD
|
4.60% | $1,000 | - |
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|
| 6 Mo CD
|
2.12% | $25,000 | - |
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|
| 7 Mo CD
|
2.12% | $1,000 | - |
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|
| 7 Mo CD
|
5.00% | $25,000 | - |
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|
| 12 Mo CD
|
4.30% | $1,000 | - |
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|
| 12 Mo CD
|
2.22% | $25,000 | - |
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|
| 13 Mo CD
|
2.28% | $1,000 | - |
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|
| 13 Mo CD
|
4.75% | $25,000 | - |
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|
| 18 Mo CD
|
2.43% | $1,000 | - |
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|
| 24 Mo CD
|
3.05% | $1,000 | - |
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|
| 24 Mo CD
|
4.75% | $25,000 | - |
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|
| 30 Mo CD
|
3.20% | $1,000 | - |
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|
| 36 Mo CD
|
3.46% | $1,000 | - |
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|
| 36 Mo CD
|
2.53% | $25,000 | - |
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|
| 48 Mo CD
|
3.56% | $1,000 | - |
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|
| 48 Mo CD
|
3.30% | $25,000 | - |
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|
Loan Rates - November 21, 2024
Your Current Location: Ohio, OH 43085
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 - Ohio 30 Year Fixed Mortgage Rates 2024
| Lender | APR | Rate (%) | Points | Fees | Monthly Payment |
Learn More |
|---|---|---|---|---|---|---|
NMLS ID: 2578474 |
6.494% | 6.375% | 0.88 | $4,010 | $1,997 | Learn More |
NMLS ID: 1025894 |
6.955% | 6.875% | 0.63 | $2,594 | $2,103 | Learn More |
NMLS ID: 3030 |
7.325% | 7.250% | 0.75 | $2,400 | $2,183 | Learn More |
NMLS ID: 1907 |
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Featured - Ohio Home Equity Line Of Credit Rates 2024
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|---|---|---|
Third Federal Savings and Loan See Table |
Intro APR 7.240 % After Intro: 7.240 % |
$0 |
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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:
Columbus,Ohio
Ithink Financial Locations around zip code 43085
| Branch | Distance | Map | View Lobby Hours |
|---|---|---|---|
| 387.14 | A | View Lobby Hours | |
| 415.06 | B | View Lobby Hours | |
| 420.31 | C | View Lobby Hours | |
| 423.08 | D | View Lobby Hours | |
| 423.20 | E | View Lobby Hours | |
| 425.01 | F | View Lobby Hours | |
| 435.27 | G | View Lobby Hours | |
| 447.34 | H | View Lobby Hours | |
| 643.35 | I | View Lobby Hours | |
| 919.49 | J | View Lobby Hours | |
| 930.90 | K | View Lobby Hours | |
| 944.51 | L | View Lobby Hours | |
| 949.77 | M | View Lobby Hours | |
| 962.54 | N | View Lobby Hours | |
| 1798.17 | O | View Lobby Hours |
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 |
|---|---|
| 3.80% | 5.83 |
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 June 30, 2024, Ithink Financial had $8,101,186 in non-current loans and $803,103 in owned assets. To cover these potential losses it had $222,958,600 in net worth and $11,088,435 in loans loss reserves. That gives it a Texas Ratio of 3.80%.
Net Worth
| Ithink Financial | U.S. Average |
|---|---|
| 10.05% | 13.93% |
Ithink Financial FCU has a net worth of 10.05% versus the BestCashCow average of 13.93. 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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