Thinkwise Federal Credit Union

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A short history of Thinkwise FCU

Since its inception in 1952 the Thinkwise Federal Credit Union has been serving its members in the SAN BERNARDINO, California area with exceptional financial products. You can find their current interest rates on used car loans, new car loans, 1st mortgage loans and interest rates on both fixed and adjustable mortgages here on these pages. Currently led by Heri Garcia, the Thinkwise FCU has grown its membership to over 5,379 with assets of more than $80,468,957. They have a main office and 1 branch offices. Please see the credit unions website or contact them by phone at (909) 882-2911 or email them at none to get exact details . There are many other credit unions in the local area. See them all here. Credit Unions in SAN BERNARDINO, CA.

General Information For Thinkwise FCU was taken from their 6/30/2017 quarterly report, which is the most current available public information.

Charter Number 7770
Address PO BOX 2007 
State California 
Zip-Code 92406
Phone Number (909) 882-2911
Fax Number (909) 882-6471
Email Address: none
CEO/President Heri Garcia
Members 5,379 
Full-Time Employees 16 
Part-Time Employees
Number of Branch Offices
Total Assets 80,468,957 

Compare Thinkwise Federal Credit Union To Other Local Credit Unions

Credit Union Name
Branch Name
Zip Code
Phone Number
ATM Access
Distance (Miles)
1st Valley CU 1st Valley Credit Union 401 W 2nd St 92401 (909) 889-0838 No 1.41
Valley Hills CU Branch 701 S Mount Vernon Ave 92410 (909) 384-4498 No 2.37
Colton CU MAIN 466 N LA CADENA DR 92324 (909) 825-5442 No 3.80
Arrowhead Central CU Victorville 12748 Amargosa Rd 92402 (909) 379-6410 No 4.11
La Loma CU LOMA LINDA 26151 Mayberry St 92354 (909) 796-0206 No 6.42

Thinkwise Federal Credit Union Financial Performance Charts

Performance Charts

Website Image

Financial Data

Thinkwise Federal Credit Union Lowest Loan Rates With State and USA Rankings

Unsecured Credit Card New Car Loans Used Car Loans 1st Mortgage Loans Other Real Estate
Rate 12.41 4.66 5.48 4.25 4.89
Mean Rate For All USA Based Credit Unions 10.56 3.72 5.00 4.48 4.95
Rank Among All USA Credit Unions 432 359 382 174 216
Rank Among All California Credit Unions 99 125 132 76 64

Thinkwise Federal Credit Union Highest Deposit Rates With State and USA Rankings

Checking Regular Savings Money Market Certificates of Deposits IRA/KEOGH
Rate N/A 0.15 0.65 0.90 0.90
Mean Rate For All USA Based Credit Unions 0.19 0.26 0.29 0.73 0.66
Rank Among All USA Credit Unions N/A 119 42 190 171
Rank Among All California Credit Unions N/A 31 10 46 34
Thinkwise Federal Credit Union Loans and Leases

Interest Rate Number of Loans Amount
Unsecured Credit Card Loans 12.4101,1221,937,570
All Other Unsecured Loans/Lines of Credit 13.1502,0082,713,905
Short-Term, Small Amount Loans (STS) (Federal CU Only) 28.0005623,973
Non-Federally Guaranteed Student Loans 0.00000
New Vehicle Loans 4.6601402,605,686
Used Vehicle Loans 5.4807008,189,365
Total 1st Mortgage Real Estate Loans/Lines of Credit 4.2508320,290,778
Total Other Real Estate Loans/Lines of Credit 4.8901224,897,232
Leases Receivable 0.00000
Total All Other Loans/Lines of Credit 9.78049476,053
TOTAL LOANS & LEASES 4,28041,134,562

Thinkwise Federal Credit Union Real Estate Loans and Lines of Credit


No. of Loans Outstanding Amt of Loans Outstanding No. of Loans Granted Year- to-Date Amount Granted Year-To-Date
Fixed Rate
    a. > 15 years 18965,7464939,057
    b. 15 Years or less 468,311,0081158,000
    a. > 15 years 117,615,74721,270,974
    b. 15 Years or less 52,659,06300
Other Fixed Rate 0000
Adjustable Rate 1 yr or less 0000
Adjustable Rate > 1 yr 3739,21400


Closed-End Fixed Rate 9303,42200
Closed-End Adjustable Rate 0000
Open-End Adjustable Rate 1134,593,81012713,967
Open-End Fixed Rate 0000
TOTALS 20525,188,010193,081,998


Interest Only & Payment Option 1st Mortgage Loans 000
Interest Only & Payment Option Other RE/LOC Loans 000
    a. Federally Insured Home Equity Conversion Mortgage (HECM) 0000
    b. Proprietary Reverse Mortgage Products 0000

Thinkwise Federal Credit Union Member Offerings
First Time Homebuyer Program Yes
Real Estate Loans Yes
Pay Day Lending Yes
Share Secured Credit Cards Yes
Overdraft Protection/Courtesy Pay Yes
Overdraft Lines of Credit Yes
ATM/Debit Card Program Yes
Interest Only and Payment Option 1st Mortgage Loans No
Check Cashing Yes
Money Orders Yes
No Surcharge ATMs Yes
Home Banking Via Internet Website Yes