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What is a credit union?

A credit union is a not-for-profit financial institution that is owned by its members. Due to their not-for-profit status, credit unions generally offer high-yield deposits, low interest-rate loans, and low fee structures.

  • One in three Americans belongs to a credit union
  • A new Member joins iTHINK Financial every 20 minutes, each business day
  • 94% of Members trust that the Credit Union is concerned with their financial well-being
  • 95% of Members are satisfied with the Credit Union’s overall level of service
  • As a Member and owner for life, you can use the superior, valuable services of your Credit Union even if you move or change employers.
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Why should you join?*

  • Convenient branches in Florida and Georgia, as well as nearly 5,500 nationwide CO-OP Shared Branches**
  • More than 60,000 nationwide surcharge-free ATM locations > Find your nearest ATM
  • 24/7 access to your accounts through Online, Mobile, and Telephone Banking
  • MyWallet Free Checking with no monthly service fees, plus myWallet Youth Checking is available to members ages 13-17!***
  • MyChoice Checking includes Identity Theft Protection and Credit Monitoring****
  • Free Online Bill Paying, eDeposits and eTransfers
  • Certificates, Money Market accounts, and IRAs
  • Auto Loans, First and Second Mortgages, Home Equity Lines of Credit, Visa® Credit Cards
  • Access to free financial counseling and money management programs
  • Membership REWARDS program - savings on many products and services
  • The personalized service that makes us unique
  • Lifetime Membership for you and your immediate family members
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How to join

It’s easy to apply for Membership at iTHINK Financial! Our online application process should take approximately 10 minutes.

  • Only a $5 deposit is needed to open a savings account and $25 to open a checking account
  • Complete our online Membership Application
  • Enjoy the benefits of your lifetime Membership with iTHINK Financial!

What makes us unique? Our Personalized Service, without it we'd be just another financial institution!

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Introduce your friends and family to ours

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 {{RatePlaceholder}} reward for each member who joins!

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*All iTHINK Financial Memberships, share and loan accounts and Visa® Debit Cards are subject to eligibility, income, address and identification verification, qualification and credit approval. Please refer to a current Membership Disclosure, Fee Schedule and Share Account Rate Sheet or contact a Member Service Advisor for more details on the rates, terms, penalties, fees and conditions that may apply. Promotion is for new consumer members only. Membership is required and subject to eligibility and qualifications. To qualify for the $75 bonus, total qualifying direct deposits must total at least $1,000 within 90 calendar days of account opening; bonus will be paid within 60 days of completing the direct deposit terms. Members must be at least 18 years of age. Not to be combined with any other offer. Please refer to ithinkfi.org or contact a Member Service Advisor for terms, conditions, and fees. Offer subject to change without notice, not valid to refinance existing iTHINK Financial loans.

**A fee of $3.00/per day may be assessed for transactions done at a CO-OP Shared Branch location.

***Must be at least thirteen (13) years old with a qualified joint owner of at least eighteen (18) years of age or older to open a myWallet Youth Checking account. 

****A $5.00 monthly service fee will be assessed each month on all personal Checking accounts except for myWallet Free Checking. Limit (1) monthly service fee per membership, even if you have more than one Checking account.