ithinkfi Disclosures
Official ithinkfi disclosures: NCUA insurance details, rate terms, fee schedules, and digital banking terms in plain language.
Talk to Member ServicesDisclosure Coverage Summary
- Member deposits are federally insured by the NCUA up to $250,000 per member.
- Savings and money market APYs are variable, while CD APYs are fixed for the full term.
- The complete fee schedule is published in online banking and in the pricing overview.
- Paper copies of any disclosure are mailed on request via 800-873-5100.
Insurance disclosures
ithinkfi deposits are federally insured by the NCUA through the National Credit Union Share Insurance Fund up to $250,000 per member.
The National Credit Union Administration is an independent federal agency, and the Share Insurance Fund is backed by the full faith and credit of the United States government. The standard maximum share insurance amount is $250,000 per member, per ownership category.
Members may qualify for more than $250,000 of coverage by holding accounts in different ownership categories, such as individual accounts, joint accounts, and certain retirement accounts. Independent details and the official insurance estimator are published by www.ncua.gov.
Rate and APY terms
Savings and money market APYs are variable and may change after account opening, while CD APYs are fixed for the full term.
Annual percentage yield assumes interest remains on deposit for a full year, and ithinkfi compounds interest daily and credits it monthly on savings and money market accounts. Variable APYs can move up or down after the quarterly rate review, and changes are published on the interest rates page and in online banking before they take effect.
Loan disclosures use APR rather than APY. Fixed loan APRs are locked at approval and never change, while prequalified rates shown by the rate calculator are estimates until a full application is reviewed.
Fee schedule disclosures
The complete ithinkfi fee schedule is published in online banking and in the pricing overview, and members receive notice before any new fee takes effect.
Regular savings and checking accounts carry no monthly fee. Other service fees, such as overdraft, wire, and stop payment fees, are listed in the current fee schedule, which is updated whenever terms change and at least once per year.
- No monthly fee on regular savings or checking accounts
- No surcharge at Allpoint, CO-OP, or ithinkfi branch ATMs
- Third-party ATM owner surcharges are disclosed on screen before each transaction
- Members receive advance notice of any fee schedule change
Before opening our business accounts I read every ithinkfi disclosure, and the plain-language format made the fee and rate terms easy to compare.
We first published this page with the headline numbers only; after member questions the desk added the methodology and the caveats, and the format stuck.
This guide does NOT cover trusts, institutional funds and non-resident files, which run through separate desks.
Item Published value Disclosure Coverage Summary 2012 Insurance disclosures 25
I asked for paper copies of the fee schedule and they arrived in the mail the same week. The insurance disclosure gave me complete confidence in my deposits.
Is ithinkfi federally insured?
Yes, ithinkfi is federally insured by the NCUA, and member deposits are protected up to $250,000 through the National Credit Union Share Insurance Fund.
Do deposit rates change after I open an account?
Savings and money market APYs are variable and may change, while CD APYs are fixed for the entire term.
Where can I read the full fee schedule?
The full fee schedule is available in online banking and in the ithinkfi pricing overview, and paper copies are available on request.
How do I get a paper copy of a disclosure?
Call 800-873-5100 or visit an ithinkfi branch, and a paper copy will be mailed to the address on file within 10 business days.
2012
Founded
25
Team Members
800-873-5100
Member Support
Digital banking terms
Online and mobile banking terms cover login security, transaction limits, alerts, and your responsibility to safeguard credentials.
By enrolling in online banking you consent to receive statements and notices electronically, and you agree to keep your login credentials private. ithinkfi provides account alerts by email, text, or push notification, and transaction limits for bill pay and transfers are disclosed inside the platform.
Digital banking agreements also describe e-signature consent for loan documents and the error resolution process for unauthorized transactions. Federal digital banking guidance is published by www.consumerfinance.gov, and ithinkfi security practices are summarized on the security page.
How to request paper disclosures
Members can request paper copies of any disclosure by calling 800-873-5100, visiting a branch, or writing to ithinkfi member services.
Paper copies of disclosures are provided at no charge for the first copy of each document and are mailed to the address on file within 10 business days. Keep your mailing address current in online banking so requested documents reach you promptly.
- Call 800-873-5100 and ask for member services
- Visit an ithinkfi branch location in person
- Write to ithinkfi member services with the document name and your member number
- Update your mailing address in online banking before requesting documents
The official methodology is detailed in the ithinkfi overview.
Independent regulatory guidance is published by www.ncua.gov.