ithinkfi Interest Rates
Current ithinkfi interest rates: savings APYs up to 4.10%, CD rates up to 4.60%, and competitive fixed loan APRs updated quarterly.
Open an AccountCurrent ithinkfi Rate Snapshot
- Savings APYs currently reach 4.10%, with no monthly fee and a $25 minimum to open.
- Certificate of deposit rates reach 4.60% APY and are fixed for the full term.
- Fixed loan APRs are published in ranges and reviewed quarterly.
- Rate questions can be answered by phone at 800-873-5100.
Deposit rates
ithinkfi deposit rates currently reach 4.10% APY on savings and 4.60% APY on certificates of deposit.
Every member earns the same published rate, with no tiered balances or promotional gimmicks. Savings and money market APYs are variable, while certificate rates are locked for the entire term the day you open the account.
| Account | APY | Minimum to Open | Compounding |
|---|---|---|---|
| Regular Savings | 4.10% | $25 | Daily, paid monthly |
| Money Market | 3.90% | $1,000 | Daily, paid monthly |
| 6-month CD | 4.25% | $500 | Fixed for term |
| 12-month CD | 4.60% | $500 | Fixed for term |
| 24-month CD | 4.35% | $500 | Fixed for term |
| 36-month CD | 4.15% | $500 | Fixed for term |
Loan rates
Fixed ithinkfi loan APRs start at 4.9% for new vehicles and are published in transparent ranges for every product.
Loan rates are fixed for the life of the loan, and there are no origination fees, application fees, or prepayment penalties on any ithinkfi loan. The rate you qualify for depends on credit history, term, and the vehicle or collateral.
| Product | APR Range | Term Options |
|---|---|---|
| New Vehicle | 4.9% - 7.2% | 36-72 months |
| Used Vehicle | 5.4% - 8.1% | 24-60 months |
| Auto Refinance | 4.8% - 6.9% | 12-60 months |
| Personal Loan | 8.9% - 14.9% | 12-60 months |
| Home Equity | 6.9% - 9.4% | 5-20 years |
How rates are set
ithinkfi sets rates quarterly using Federal Reserve benchmarks, member deposit costs, and local market comparisons.
As a member-owned credit union, ithinkfi has no shareholders to satisfy. The quarterly rate review passes savings from lower operating costs directly to members, which is why deposit APYs have consistently outpaced the national average and loan APRs stay below typical bank pricing.
The review committee weighs three inputs each quarter: the federal funds benchmark, the cost of member deposits, and published rates at regional banks and credit unions. Every member earns the same rate on the same product, so there is no negotiation and no fine print.
I laddered three CDs when the 12-month rate hit 4.60% APY. The rates were exactly as published on the website, with no fine print surprises.
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.
The savings rate is the reason I opened my account. Earning 4.10% APY with no monthly fee beats every bank I compared in my area.
What is the current ithinkfi savings rate?
The ithinkfi savings APY is currently 4.10%, with no monthly fee and a $25 minimum to open.
How often do ithinkfi rates change?
Rates are reviewed quarterly, and any changes are published on this page and in online banking before they take effect.
Are CD rates fixed for the full term?
Yes, CD rates are locked at account opening and do not change for the entire term.
Do I need excellent credit for the lowest loan APR?
The lowest published APRs require strong credit, and the ithinkfi rate calculator shows your estimated APR before you apply.
Where can I see current ithinkfi rates?
Current rates are published on this page, in the ithinkfi mobile app, and by phone at 800-873-5100.
2012
Founded
25
Team Members
4.60%
Top CD APY
Rate history and trends
ithinkfi has held savings APYs above the national average since 2012, and deposit rates rose steadily through 2025 as benchmark rates increased.
Because ithinkfi reviews rates quarterly, member APYs track Federal Reserve movements quickly when benchmarks rise. When the federal funds rate climbed, ithinkfi deposit rates followed within one review cycle, while many national banks kept savings rates near zero.
Loan APRs moved more gradually in the same period, which kept refinancing attractive for members holding loans originated in higher-rate years. Historical rate tables for each product are available from member support at 800-873-5100.
Locking in a rate
CD rates are locked for the full term at account opening, and fixed-rate loan APRs are locked once your application is approved.
When you open a certificate of deposit, the APY shown on your disclosure is guaranteed for the entire term, even if market rates fall the following month. Laddering CDs across terms is a common way to combine higher long-term rates with regular access to funds.
For loans, the approved fixed APR is written into your agreement and never changes. Prequalified rates shown by the rate calculator are estimates, and the final APR is confirmed in your approval disclosure before you sign.
The official methodology is detailed in the ithinkfi overview.
Independent regulatory guidance is published by www.ncua.gov.