Not a Member? Join us today!
It's easy to join! Apply for your lifetime Membership with iTHINK Financial in about 10 minutes.
Featured Products
You can turn to iTHINK Financial for the right solutions to all of your financial needs!
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.
MEET WITH US ON YOUR TIME
Schedule an in-branch or phone appointment at a time convenient for you.
Why a Roth IRA Is Perfect for College Students
By: iTHINK Financial | Nov 04, 2018
Roth IRA: How College Students Can Save for Their Future
As a college student, you probably don’t have savings on your mind—let alone opening a Roth IRA. You have to juggle going to class, maintaining a social life and managing a tight budget. Putting any money away for the future is nowhere on your to-do list.
But if you put aside a small portion of cash from your summer job or paid internship into a Roth IRA, you can set your future self up for success. Here’s how…
What’s a Roth IRA?
A Roth IRA (individual retirement account) is the perfect savings option for the fast-paced lifestyle of a college student. To start saving, you just need a source of income from a job.
Any money you earn, you can freely put in and take out at any moment from the account without penalties. There are no penalties because the money that enters a Roth IRA is already taxed. That means if an unexpected emergency happens or a natural disaster hits, your funds are easily accessible.
However, Roth IRAs come with a few limitations. The interest generated is inaccessible without a fee. You’re also only able to put in as much money as you earn, and it’s limited to $5,500 a year.
What a Roth IRA Can Mean for a Student
As a student, you have the most coveted asset to a retirement plan—plenty of time. And the more time you have, the more you can save for retirement.
Roth IRAs grow savings through compounding interest. Compounding interest is the process of an initial sum growing each year to a new total sum that will then continue to grow into larger sums each successive year. That means if you put away $5,000, contributing an additional $1,600 annually, then by age 65 you will have saved $1,000,000 with an 8% compounding interest rate.
If you’re curious how much money you would need to contribute to a Roth IRA annually to reach a certain goal, there are online calculators to help.
Interested in a Roth IRA?
Remember, any money you put away in your Roth IRA will always be accessible. But the more money you contribute and the longer it’s committed to the IRA, the more interest you’ll gain. If you’re ready to start preparing for retirement, a Roth IRA may be the perfect answer to your long-term savings needs.
Upcoming Events
Check out the upcoming events happening at iTHINK Financial.
Quick Pay and Skip-A-Pay
Make a loan payment or skip your upcoming loan payment without logging in to Online Banking!
