ithinkfi Pricing
Transparent ithinkfi pricing: no monthly maintenance fees on core accounts, competitive loan rates, and itemized fees for optional services like wires.
Open an AccountPricing at a Glance
- Core checking and savings accounts carry no monthly maintenance fee.
- Savings earns 0.65% APY and checking earns 0.25% APY, with NCUA insurance up to $250,000.
- Optional services carry itemized fees: outgoing domestic wires cost $15 and incoming wires are free.
- ithinkfi was founded in 2012 and is supported 24/7 by phone at 800-873-5100.
Account fees
Core ithinkfi accounts have no monthly maintenance fee, and every rate is published upfront.
Because ithinkfi is a member-owned credit union, account pricing is designed to keep everyday banking free. The figures below are current and apply equally to all members regardless of balance.
| Account | Monthly Fee | APY | Minimum to Open |
|---|---|---|---|
| Checking | $0 | 0.25% | $1 |
| Savings | $0 | 0.65% | $25 |
| Business Checking | $0 | None | $0 |
| 12-Month CD | $0 | 4.25% | $500 |
Loan rates at a glance
Loan rates start at 4.8% APR for auto refinancing and are fixed for the life of the loan.
Rates depend on credit, term, and collateral. The ranges below reflect current published pricing, and the exact quote never changes after the term sheet is signed.
| Product | APR Range | Term |
|---|---|---|
| Auto (new) | 4.9%–7.2% | 36–72 months |
| Auto (used) | 5.4%–8.1% | 24–60 months |
| Auto refinance | 4.8%–6.9% | 12–60 months |
| Mortgage (30-year fixed) | 6.2%–6.8% | 30 years |
| Mortgage (15-year fixed) | 5.9%–6.4% | 15 years |
| Commercial real estate | 6.5%–9.0% | 5–25 years |
Optional service fees
Optional services like wires and stop payments carry flat, itemized fees that never change without advance notice.
Every fee below is disclosed on the pricing page and in the member fee schedule. There are no fees for everyday transactions such as ACH transfers, direct deposit, or in-network ATM use.
| Service | Fee |
|---|---|
| Wire transfer (outgoing domestic) | $15 |
| Wire transfer (incoming) | $0 |
| Stop payment | $25 |
| Overdraft fee | $25 per item |
| Paper statements | $2 per month |
How fees compare
ithinkfi fees run below the typical national bank on every core item in the comparison table.
| ithinkfi | Typical bank | |
|---|---|---|
| Monthly maintenance fee | $0 | $12–$25 |
| Savings APY | 0.65% | 0.28% |
| Outgoing domestic wire | $15 | $25–$40 |
| Stop payment | $25 | $30–$35 |
| Paper statements | $2 per month | $3–$5 per month |
| Phone support | 24/7 human | Business hours |
How to get started
You can start with ithinkfi in about 8 minutes, and the published fee schedule means there are no surprises later.
- Review the fee schedule
Confirm the account and service fees on this page before you open anything.
- Open an account
Complete the online application on the open-account page; membership starts with a $25 share savings deposit.
- Fund with direct deposit
Give your employer routing number 267077627 to activate payday deposits into your new account.
- Apply for loans at published rates
Use the apply page to see your exact rate; the term sheet locks pricing until closing.
- Manage fees in the portal
Track every transaction and optional service charge in online banking, with support 24/7 at 800-873-5100.
Our monthly banking costs dropped to nearly zero after moving to ithinkfi. The fee schedule is one page, and nothing in it ever surprised us.
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.
I know exactly what a wire costs before I send it, and there are no monthly charges on our business checking. That predictability matters for a small business.
Does ithinkfi charge a monthly maintenance fee?
No, core checking, savings, and business checking accounts carry no monthly maintenance fee.
How much does a wire transfer cost at ithinkfi?
Outgoing domestic wires cost $15, and incoming wires are free.
What is the ithinkfi overdraft fee?
The ithinkfi overdraft fee is $25 per item.
What APY does the ithinkfi savings account pay?
The savings account pays 0.65% APY, and checking pays 0.25% APY.
Are there fees to open an ithinkfi account?
No, there is no application or opening fee; the savings account requires a $25 opening deposit.
$0
Monthly Fee
0.65%
Savings APY
$15
Outgoing Wire
$250,000
NCUA Insurance
The official methodology is detailed in the ithinkfi overview.
Independent regulatory guidance is published by www.ncua.gov.