Thinkwise Credit Union

San Bernardino, California
Last verified: August 4, 2026
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Verified rate book

Current Thinkwise Credit Union rates

43 published offers verified as of August 4, 2026.

How we verify rates

Auto & vehicle rates

13 offers
Thinkwise Credit Union auto & vehicle rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
New & Used Auto Loans (36 months)auto_any_36mo3.490% APR3.490%36 mo · anyStandard
New & Used Auto Loans (60 months)auto_any_60mo3.490% APR3.490%60 mo · anyStandard
New & Used Auto Loans (48 months)auto_any_48mo3.490% APR3.490%48 mo · anyStandard
New & Used Motorcycles (36 months)motorcycle_any_36mo3.750% APR3.750%36 mo · anyStandard
New & Used Auto Loans (72 months)auto_any_72mo3.990% APR3.990%72 mo · anyStandard
New & Used Motorcycles (48 months)motorcycle_any_48mo4.000% APR4.000%48 mo · anyStandard
New & Used Motorcycles (60 months)motorcycle_any_60mo4.250% APR4.250%60 mo · anyStandard
New & Used Auto Loans (84 months)auto_any_84mo4.990% APR4.990%84 mo · anyStandard
New & Used Motorcycles (72 months)motorcycle_any_72mo5.250% APR5.250%72 mo · anyStandard
New & Used Motor Homes & Watercraft (96 months)rv_any_96mo6.500% APR6.500%96 mo · anyStandard
RV Loanrv6.500% APR6.500%—Standard
New & Used Motor Homes & Watercraft (144 months)rv_any_144mo6.750% APR6.750%144 mo · anyStandard
New & Used Motor Homes & Watercraft (180 months)rv_any_180mo7.000% APR7.000%180 mo · anyStandard

Personal loan rates

4 offers
Thinkwise Credit Union personal loan rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
36-Month Unsecured Personal Loanpersonal_unsecured_36mo8.500% APR8.500%36 moStandard
Unsecured Personal Loanpersonal_unsecured8.500% APR8.500%—Standard
48-Month Unsecured Personal Loanpersonal_unsecured_48mo9.250% APR9.250%48 moStandard
60-Month Unsecured Personal Loanpersonal_unsecured_60mo10.500% APR10.500%60 moStandard

Credit card rates

3 offers
Thinkwise Credit Union credit card rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Thinkwise Fixed-Rate Platinum VISA Credit Cardcredit_card_platinum8.990% APR8.990%—Standard
Thinkwise Gold VISA Credit Cardcredit_card12.750% APR12.750%—Standard
Thinkwise Cash Rewards Credit Cardcredit_card_cash_back15.000% APR15.000%—Standard

Savings & CD rates

22 offers
Thinkwise Credit Union savings & cd rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Regular & Business Savingssavings0.05% APY0.05%—Standard
Youth Savingssavings0.10% APY0.10%—Standard
Dailysavings0.15% APY0.15%—Standard
Dailysavings0.20% APY0.20%—Standard
Dailysavings0.30% APY0.30%—Standard
Dailysavings0.45% APY0.45%—Standard
Dailysavings0.55% APY0.55%—Standard
Dailysavings0.99% APY0.99%—Standard
24-Month Certificateshare_certificate_24mo2.75% APY2.71%24 moStandard
24-Month Certificatecd_24mo2.75% APY2.71%24 moStandard
12-Month IRA Certificateira_cd_12mo2.96% APY2.96%12 moStandard
Roth Term Certificateshare_certificate_12mo3.00% APY2.96%12 moStandard
36-Month Certificatecd_36mo3.00% APY2.96%36 moStandard
12-Month Certificatecd_12mo3.00% APY2.96%12 moStandard
6-Month Certificatecd_6mo3.25% APY3.20%6 moStandard
6-Month Certificateshare_certificate_6mo3.25% APY3.20%6 moStandard
48-Month Certificatecd_48mo3.25% APY3.20%48 moStandard
Quantum Term (60 Months)cd_60mo3.50% APY3.44%60 moStandard
3-Month Certificatecd_3mo3.50% APY3.44%3 moStandard
3-Month Certificateshare_certificate_3mo3.50% APY3.44%3 moStandard
Quantum Term Certificateshare_certificate_60mo3.50% APY3.44%60 moStandard
Gen-T Term Certificate* (12 Months)share_certificate_12mo4.16% APY4.16%12 moStandard

Other rates

1 offer
Thinkwise Credit Union other rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Serving our members since 1952other3.490% %3.490%—Standard

Vehicle loans available from 3.49% APR for 36 months. Personal loan rates from 8.5% APR. Credit card rates from 8.99% APR. Savings and certificate yields up to 4.16% APY.

Source: RateAPI.dev, verified from Thinkwise Credit Union's official website

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About Thinkwise Credit Union

Institution facts reported to the National Credit Union Administration for Invalid Date.

Members
6.2K
Assets
$121.2M
Founded
1952
Locations reported
2
NCUA charter
7770
Charter type
Federal credit union

Services and member support

  • Online membership application
  • Online loan application
  • Open an account online
  • Electronic statements
  • Mobile check deposit
  • Mobile payments
  • Financial counseling
  • Financial education
  • Bilingual services
  • Payday Alternative Loans I

Source: NCUA quarterly call report. Services are institution-reported; confirm availability with the credit union.

Other credit unions with branches nearby

Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby.

America FirstSan Bernardino · San Bernardino · CA · 92401Branch in the same ZIPArrowheadSan Bernardino - SBVC Campus · San Bernardino · CA · 92410-2705About 1.7 miles awayCertifiedSan Bernardino · San Bernardino · CA · 92408-3566About 2.0 miles awayFontanaDOCU-TRUST · San Bernardino · CA · 92408About 2.0 miles awayNavy Federal Credit UnionSan Bernardino CA · San Bernardino · CA · 92408-4203About 2.0 miles awayFirefighters FirstSan Bernardino/Riverside Regional Office · Loma Linda · CA · 92354About 4.5 miles away

Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance.

Who Can Join Thinkwise Credit Union

Membership eligibility from Thinkwise Credit Union's own published criteria. How we verify this.

Membership via occupations (Educational Employees)

  • LocationOrange, Riverside, San Bernardino
  • OccupationEducational Employees

Verified from Thinkwise Credit Union's membership page. Final membership determination is always made by the credit union.

Work at Thinkwise Credit Union?

This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Thinkwise Credit Union ranks against California peers.

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Frequently Asked Questions

What rates does Thinkwise Credit Union offer?

Thinkwise Credit Union currently offers vehicle loan, personal loan, and credit card rates. The rates shown on this page were last verified August 4, 2026 directly from the credit union's official website.

How often are Thinkwise Credit Union rates updated?

RateAPI verifies Thinkwise Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified August 4, 2026.

Where does RateAPI get Thinkwise Credit Union's rate data?

Rate data is collected directly from Thinkwise Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized.

What are Thinkwise Credit Union's auto, rv & motorcycle loan rates?

As of August 4, 2026, Thinkwise Credit Union offers vehicle loans from 3.49% APR.

What is Thinkwise Credit Union's personal loan rate?

As of August 4, 2026, Thinkwise Credit Union offers personal loans from 8.5% APR.

What is Thinkwise Credit Union's best CD rate?

As of August 4, 2026, Thinkwise Credit Union offers savings and certificate (CD) yields up to 4.16% APY.

Related Rate Data

Compare Thinkwise Credit Union's rates against national credit-union benchmarks.

More California credit unionsAuto loan rate benchmarkPersonal loan ratesCredit card ratesHow we verify rates

Source Information

Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.

View Original Source

Methodology

Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives.

View Methodology

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# Get rates for Thinkwise Credit Union
curl "https://api.rateapi.dev/credit-unions/california/thinkwise" \
  -H "Authorization: Bearer YOUR_API_KEY"
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