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Tax Statements are now available! All Members can now retrieve their 2020 Tax Statements in Online Banking by selecting "View Statements" from the slider menu (3 horizontal lines on the upper left of the screen). Learn more about your tax statement here.
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Welcome to iTHINK Financial Credit Union!

We are committed to delivering Service Excellence to all Members.

Providing the right solutions for your needs in a timely, accurate and memorable way is our promise. iTHINK Financial is a not-for-profit institution where our Members are also our owners. As a Member, your benefits include an array of financial products and services, in addition to the personalized service you expect from your Credit Union.

Experience convenient access to your membership and account information through:

  • Mobile Banking for on-the-go account access and payment options.
  • Online Banking for 24/7 account management
  • A growing network of nationwide Credit Union Shared Branches and surcharge-free ATMs
  • Telephone Banking through our automated system and Member Services Call Center

Explore this page to discover more ways we provide Service Excellence to all Members. Thank you for your Membership and we look forward to serving you!

We make it easy and affordable to enjoy life

  • Take charge with the iTHINK Financial Visa Platinum credit card!

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    Variable rates as low as 8.90% APR*! No Annual fee. No Cash Advance or Balance Transfer fees.

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  • We'll put you in the driver's seat!

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    Get great rates, fast approvals and personalized service! Auto Loan rates are as low as 1.99% APR.

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  • Mortgage options to meet your needs.

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    When you are ready to make a move, look to us to make it easy.

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  • Save more. Worry less.

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    1.00% APY* 48-Month Certificate Special. Limited-time offer. Don’t miss out!

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  • Your Wallet. Without the Wallet.

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    Pay confidently on the go when you use your iTHINK Financial Visa® cards with Apple Pay, Samsung Pay, Google Pay, Fitbit Pay, or Garmin Pay.

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Get the most out of your Membership

FAQs for New Members

What is my Routing Number (ABA Number)?

Your Routing Number (also known as ABA Number) is 267077627.

How do I obtain a debit card?

Members now have immediate access to new debit cards at all branches! Whether you need a debit card for your new checking account or need a replacement card due to card damage, theft, loss or fraud, this free service allows members to visit a branch and leave with a working debit card the same day. You can also call us at 800.873.5100 or email us at to order a debit card mailed to you within 10 business days.

Is it free to add my iTHINK Financial card(s) to Google Pay, Apple Pay, Samsung Pay, Fitbit Pay, or Garmin Pay?

Yes, start paying with your phone on the go today. Turn your phone into your wallet with iTHINK Financial mobile payments through Google Pay, Apple Pay, Samsung Pay, Fitbit Pay, or Garmin Pay. When using a digital wallet, your card number is not stored on your device or shared.

How do I access Mobile Banking?

Once you have registered for our Online Banking system, you can download our iTHINK Financial Mobile Banking app available from the iTunes Store and Google Play. Our Mobile Banking app also allows you to deposit checks by taking a photo with your smartphone!

Can I freeze my iTHINK Financial card(s) if they become lost or stolen?

Yes, with iTHINK Financial’s Card Control. Simply use Card Control to lock your iTHINK Financial debit or credit card so you don’t have to worry about someone else using your card. It’s free and easy to use, and if you later find your lost card, you can unlock it yourself. Simply log in to Online or Mobile Banking and select the "Card Control" option under "All Services" in Online Banking or on the home screen in Mobile Banking.

Where can I find fee schedules and view iTHINK Financial disclosures?

Please refer to the “Membership Account Disclosure” and “Membership Fee Schedule” or contact a Member Service Advisor for details the fees, penalties, terms and conditions that may apply.

Can I transfer funds to/from other Financial Institutions?

eTransfers (External Transfers) is a service within Online and Mobile Banking that allows you to set up electronic fund transfers between your Credit Union account and your checking or savings accounts at other financial institutions.

To enroll in eTransfers, log in to Online Banking and click on “All Services” and choose “Funds Transfer.” Click on the “External (eTransfers)” tab. Follow the on-screen instructions to enroll in the service. After enrollment, click on the “Accounts” tab and chose the “Add New External Account” option. Before you can begin using the eTransfers service, you will need to set up and verify your external accounts which can take up to two business days.

How can I apply for a loan online?

To apply online for a Vehicle Loan, Visa® Credit Card, or any other non-mortgage loan visit: To apply for a First or Second Mortgage, visit:

Or from the upper right corner of our website, log in to Online Banking with your username and password. Select the More tab at the top of the page (second from the right). Click the link for the type of loan you are applying for and follow the prompting instructions.

How can I pay my loan?

Quick Pay is one of the easiest ways to repay your iTHINK Financial loans from your desktop or mobile devices. You do not need to register in Online Banking to use this service as it is accessible through our website and Mobile Banking app.

What is a CO-OP Shared Branch and how do I access one?

These 5,500 nationwide locations provide many of the services you would receive at your iTHINK Financial Branch. The advantage to you is when you are far away from one of our iTHINK Financial branches, you can use the Shared Branch nearest you. It’s easy. Just tell the Shared Branch staff that you’re a Member of "iTHINK Financial Credit Union" and provide your account number and a valid Driver's License.

Locate a CO-OP Shared Branch or use our ATM and Branch Locator on the “Locations” tab on or on our Mobile Banking app “ATM/Branch Locator” tab to find ATMs, Credit Union Branches, and Shared Branches

Save with our special New Member offers*

  • .25% APR New Member discount on a secured Consumer Loan (electronic repayment required)
  • Up to $500 off on a First Mortgage
  • One free Notary service

*APR = Annual Percentage Rate. Offers valid for the first 6 months of Membership. Subject to change without notice. iTHINK Financial must be the servicer of the loan and you must sign up for electronic repayment to qualify for the .25% APR discount loan (excludes real estate and other special loan promotions). iTHINK Financial must be the servicer of the First Mortgage you close to qualify for the discount of up to $500 off the First Mortgage closing costs. Print this page and present it for one free Notary service during the first 6 months of Membership. Additional notarizations may be obtained for the standard fee. Contact a Member Service Advisor for full details. Federally insured by NCUA.

Service Excellence is our Mission

Periodically, you’ll receive email surveys asking for your opinion on how we are doing.  Please take a moment to respond. Your feedback is invaluable in helping us stay true to our mission. For more information, visit our Service Excellence page or contact us at 800.873.5100 or

Introduce your friends and family to ours and get $50!

Our members tell us how much they love banking with iTHINK Financial. So why keep it a secret? Share us with your loved ones. With FamilyPlus, you can share your membership benefits and earn a $50 reward for each member who joins!

Submit your FamilyPlus Referrals here.


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