Skip to Content Skip to Sitemap
Holiday Fraud Prevention:

At this busy time of year, we want to remind our members to be extra cautious of fraudsters attempting to access your account information. While iTHINK Financial actively monitors your accounts for potential fraud, please remember that we will NEVER initiate a call or email asking for your card PIN, Online Banking username and password, or full card number. If you have any doubt about the validity of a phone call or email you receive from us, please call our direct number at 800.873.5100 to speak with us immediately.

Rates

Share Account Rates

Savings Account Rates

Membership Savings Account – Minimum Investment $5 & Membership Top Teen Minimum Investment – $150
Rates Effective: 1/1/2018
Account BalanceDividend RateAPY*
$0.00 – unlimited0.10%0.10%
Certain Saver Account***
Rates Effective:
Account Balance** Dividend RateAPY*
$0.00 – unlimited0.10%0.10%
Savings Plus Account*** (discontinued)
Rates Effective:
Account Balance Dividend RateAPY*
$0 – unlimited0.10%0.10%

Checking Account Rates

myChoice Checking Account
Rates Effective:
Account BalanceDividend RateAPY*
$0.00 - $3,0002.96%3.00%
$3001.00 - unlimited0.05%0.05%
myDefense Checking Account – Opening Deposit $25
Rates Effective:
Checking Account TypeDividend RateAPY*
myDefense Checking0.00%0.00%
myWallet Checking Account – No Opening Deposit Required
Rates Effective:
Checking Account TypeDividend RateAPY*
myWallet Checking0.00%0.00%
Grand Checking Account – Minimum Investment $1000
Rates Effective:
Checking Account TypeDividend RateAPY*
Grand Checking0.05%0.05%
Checking Plus Account*** (discontinued)
Rates Effective:
Account BalanceDividend RateAPY*
$0.00 – unlimited0.05%0.05%

Money Market Account Rates

Money Market Max Account** – Minimum Investment $500 & Money Market Account***
Rates Effective:
Account BalanceTier Dividend RateAPY*
$0.00 – $9,999.990.05%0.05%
$10,000.00 – $24,999.990.05%0.05%
$25,000.00 – $49,999.990.05%0.05%
$50,000.00 – $99,999.990.10%0.10%
$100,000.00 – unlimited0.15%0.15%
Health Savings Account** – Minimum Investment $100
Rates Effective:
Account BalanceTier Dividend RateAPY*
$0.00 – $9,999.990.05%0.05%
$10,000.00 – unlimited0.05%0.05%

IRA Rates

IRA Investment Account – Minimum Investment $100
Rates Effective:
Account Type Dividend RateAPY*
Traditional Share Accounts0.10%0.10%
Roth/Education Share Accounts0.10%0.10%
IRA Certificates – Minimum Investment $1,000
Rates Effective:
Certificate TermsDividend RateAPY*
12 Month Roth/Traditional/Educational0.20%0.20%
24 Month Roth/Traditional/Educational0.40%0.40%
36 Month Roth/Traditional/Educational 0.60%0.60%
48 Month Roth/Traditional/Educational 0.70%0.70%
60 Month Roth/Traditional/Educational (Promotional offer for new accounts only – maximum deposit $250,000) 1.34%1.35%
12 Month Variable/Traditional***0.10%0.10%

Certificate Account Rates

Certificate Accounts – Minimum Investment $1,000
Rates Effective:
Certificate TermsDividend RateAPY*
3 Month Certificate0.10%0.10%
6 Month Certificate0.10%0.10%
12 Month Certificate0.20%0.20%
18 Month Certificate0.30%0.30%
24 Month Certificate0.40%0.40%
30 Month Certificate0.50%0.50%
36 Month Certificate 0.60%0.60%
48 Month Certificate0.70%0.70%
60 Month Certificate (Promotional offer for new accounts only – maximum deposit $250,000) 1.34%1.35%
84 Month Certificate1.25%1.26%
Variable Choice Certificate***0.10%0.10%
Health Savings Account (HSA) Certificates – Minimum Investment $500
Rates Effective:
Certificate TermsDividend RateAPY*
HSA 6 Month Certificate0.10%0.10%

Special Certificates for Diamond and Platinum Rewards Members

Special Certificate Accounts – Minimum Investment $25,000
Rates Effective:
Certificate TermsDividend RateAPY*
6 Month Certificate0.20%0.20%
12 Month Certificate0.30%0.30%
24 Month Certificate0.50%0.50%
36 Month Certificate 0.70%0.70%
48 Month Certificate0.80%0.80%
60 Month Certificate (Promotional offer for new accounts only – maximum deposit $250,000) 1.34%1.35%

Business Account Rates

Business Savings Account
Rates Effective:
Account BalanceDividend RateAPY*
$0.00 – unlimited0.10%0.10%
Business Checking Account – Opening Deposit $50
Rates Effective:
Checking Account TypeDividend RateAPY*
Business Checking0.00%0.00%
Business Money Market Account**
Rates Effective:
Account BalanceTier Dividend RateAPY*
$0.00 – $9,999.990.05%0.05%
$10,000.00 - unlimited0.10%0.10%
Lawyer Trust IOTA/IOLTA
Rates Effective:
Account TypeRateAPY*
Lawyer Trust IOTA/IOLTA0.10%0.10%

Effective date: 

*APY=Annual Percentage Yield

**Tiered Accounts: Money Market Max and Business Money Market pay the rate on the total balance in the account. HSA Money Market accounts are true tiered accounts. The dividend rate is paid based on the appropriate dollars in that level.

***Certain Saver accounts, 12-Month Variable/Traditional IRA Certificate accounts, and Variable Choice Certificate accounts have been discontinued as of 1/1/17. Regular Money Market accounts have been discontinued as of 4/1/16; all new Money Market accounts will be opened as Money Market Max accounts. Savings and Checking Plus accounts have been discontinued as of 10/1/11. Posted rates are for existing account holders.

Early withdraw penalties may apply to certificates and IRA certificates accounts.

Events

Event Icon

Treasure Coast Food Bank on Dec 5

Learn More
Event Icon

BALANCE Webinar: THE BASICS OF PERSONAL FINANCE on Dec 8

Learn More
Event Icon

BALANCE Webinar: THE BASICS OF PERSONAL FINANCE on Dec 17

Learn More
Scroll to Top