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Is iTHINK Financial a Bank or a Credit Union?
iTHINK Financial is a credit union, not a bank. Credit unions are owned by their members rather than shareholders, with earnings returned through competitive rates, lower fees, and higher savings yields
Who Can Join?
Membership is available to eligible people who live, work, worship, or attend school in approved Florida or Georgia counties, participating employer groups, and eligible family members.
Frequently Asked Questions About iTHINK Financial
Find quick answers about iTHINK Financial, membership, insurance and our services.
What is iTHINK Financial?
iTHINK Financial is a member-owned, not-for-profit credit union headquartered in Delray Beach, Florida, serving members across Florida and Georgia. Founded in 1969, iTHINK Financial offers checking and savings accounts, vehicle and personal loans, mortgages, credit cards, business banking and wealth management. Deposits are federally insured to at least $250,000 by the National Credit Union Administration.
Is iTHINK Financial a bank or a credit union?
iTHINK Financial is a credit union, not a bank. Credit unions are owned by their members rather than shareholders. Earnings are returned to members through competitive loan rates, lower fees and higher deposit yields. Deposits at iTHINK Financial are federally insured by the National Credit Union Administration, rather than the FDIC, at the same coverage level of at least $250,000 per depositor.
Who can join iTHINK Financial?
Membership is open to people who live, work, worship or attend school in an approved county in Florida or Georgia; employees and retirees of participating employers; and eligible immediate family and household members of current members. Opening a savings account with $5 begins a lifetime membership. Learn more about joining iTHINK Financial.
Is iTHINK Financial federally insured?
Yes. Deposits at iTHINK Financial are federally insured to at least $250,000 per depositor by the National Credit Union Administration, a federal agency. Credit unions are not FDIC insured; NCUA insurance provides the same standard coverage amount provided by FDIC insurance.
What is iTHINK Financial's routing number?
The iTHINK Financial routing number, also called the ABA number, is 267077627. Use it for direct deposit, wire transfers and automatic payments. For help with a specific transfer, call 800.873.5100 or email serviceplus@ithinkfi.org.
Where is iTHINK Financial located?
iTHINK Financial is headquartered in Delray Beach, Florida, with branches throughout Florida and Georgia. Members also have access to CO-OP Shared Branch locations nationwide. Find a branch or ATM near you.
Is iTHINK Financial the same as IBM Southeast Employees Credit Union?
Yes. iTHINK Financial was formerly known as IBM Southeast Employees Credit Union, or IBMSECU. The credit union adopted the iTHINK Financial name in 2020. Existing member relationships and the routing number carried over through the rebrand, and membership is no longer limited to IBM employees.
What products and services does iTHINK Financial offer?
iTHINK Financial offers checking and savings accounts, money market accounts, certificates and IRAs, vehicle loans, personal loans, mortgages, home equity lines of credit, Visa credit cards, business banking and lending, and wealth management services. Members can also use Digital Banking for features such as mobile deposit, bill pay and account transfers. Explore personal banking products and services.
Is iTHINK Financial connected to iTHINK Financial Amphitheatre?
iTHINK Financial is the title sponsor of the iTHINK Financial Amphitheatre and the Tabernacle Presented by iTHINK Financial. iTHINK Financial is a financial institution and does not operate either venue, sell tickets or manage events.
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Homebuyers Guide: What You Need to Know When Buying a Home
By: iTHINK Financial | Sep 22, 2016
There are three important things to look at when you purchase a new home:
- The affordability of the home
- The actual home
- The location & surrounding areas
1. Money & financing:
Before you start your search think about how much you could afford. Take a look at six things to make sure you are doing it correctly.
- Look at payment calculators to estimate your monthly payments: https://ithinkfi.org/resources/calculators
- Look at how much you can put towards a down payment on your home
- Apply for a preapproval to know what purchase price to target
- Know your credit score because that is what gives you the best loan rate. We’ll provide your credit score in our pre-approval process.
- Understand the different types of loans available
- Know your insurance options – to protect your biggest investment
The home buying process can be the most fun you ever had. People enjoy the experience of imagining themselves at different locations – a way to dream. There is a lot of work that goes into making this experience fun. At iTHINK Financial we have a team with a lot of expertise. Give us a call and we will get you started on the right path.
You search for a home online, you see a listing in a magazine, or you happen to be driving by when you spot the place you like. Here are some things that you should be doing to make sure that you indeed are getting the best you can get.
2. Checking out the home:
Drive around the neighborhood to see how the home looks compared to others. Look at the outside – does the home you want either have curb appeal to attract you in or the potential for you to make it attractive?
Here is an initial checklist of things that to observe & score:
- Condition of driveway & garage (if any)
- Outside: roof, exterior, including the condition of doors & windows
- Inside: Condition of paint, carpet, & flooring
- Bathroom & kitchen – counters, cabinets, faucets, appearance
- Rooms: size, lighting, & appearance
- Condition of major appliances
- Condition of heating and air-conditioning systems
If things look good and you are seriously interested, once you sign the sales contract it is always a good idea to have a professional home inspection done. It will ensure the structural condition of the home, including the roof, electrical, plumbing, and HVAC, which are areas in which someone without expertise may be unable to detect problems. We have attached a longer list of items that are typically checked by home inspection professionals.
3. Location matters:
Drive around the area to get a feel for how things are. Be sure to check out the proximity to the school, shopping, and other convenience services. You should even check out the traffic from the home to specific locations at different times of the day – you could do this online without actually being there.
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