Ithink Financial Sebastian FL Credit Union | Affordable Vehicle Loans & Business Banking

Introduction

Welcome to Ithink Financial, your trusted credit union located at 13600 Us Highway 1, Sebastian, FL 32958. Established in 1969, we have proudly served our community for over five decades, becoming a cornerstone for financial growth and support. With a strong membership base of 111,284 members, we are dedicated to providing personalized service and innovative financial solutions tailored to meet your needs. At Ithink Financial, we understand that financial stability is essential for every individual and family. Our total assets amount to an impressive $2,269,798,563, showcasing our commitment to securing your financial future. We offer a variety of services including checking and savings accounts, auto loans, mortgage loans, personal loans, business banking services, and more all designed with you in mind. We pride ourselves on being financially sound with total deposits of $196,464,188 and a net worth of $228,914,107. Our robust cash reserves of $34,287,588 ensure that we can meet your needs promptly and effectively. With a range of 41,692 loans and leases currently extended to our members, we are here to help you achieve your financial goals. Under the leadership of CEO Michael Miller and Board President Michael Townsend, our team is committed to fostering strong relationships within our community. Our friendly staff of 396 employees is always ready to assist you with any questions or concerns you may have. Whether you're looking to open an account or need assistance with a loan application, we're just a call away! Reach us at 772-581-3199 during our operating hours: Monday through Tuesday from 8:00 AM to 4:00 PM, and Friday from 8:00 AM to 6:00 PM. Visit our website at ithinkfi.org for more information about how we can help you thrive financially. Join us at Ithink Financial where your financial well-being is our priority!

Branch History & Mission

Community Commitment

Our commitment goes beyond just providing financial services. We engage in numerous partnerships and outreach efforts aimed at uplifting those around us. Whether it's sponsoring local events or hosting workshops on financial literacy, we are dedicated to being an active participant in Sebastian's growth. While members can visit us at our branch address, correspondence can be sent to our mailing address if necessary. We want every interaction with us whether in person or online to be smooth and beneficial for you.

Join Us Today!

As we look toward the future, Ithink Financial remains committed to enhancing our digital capabilities while ensuring that all services meet ADA compliance standards for accessibility. With features like online banking and mobile payments available, managing your finances has never been easier. We invite you to experience the Ithink Financial difference for yourself. Come visit us at 13600 Us Highway 1 in Sebastian or give us a call at 772-581-3199. Join our growing family today and take advantage of everything we have to offer!

Our Evolution

Since opening our doors more than five decades ago, Ithink Financial has consistently embraced growth and innovation. Our journey began with a commitment to provide accessible financial services to local residents. Over the years, we have expanded our offerings to include personal banking, auto loans, mortgages, and business banking solutions tailored to meet the diverse needs of our members. As we grew, so did our assets. Today, Ithink Financial proudly manages total assets exceeding $2.26 billion. This growth reflects not only our sound financial practices but also the trust that our members place in us. We strive to foster lasting relationships built on transparency and support.

Our Mission

At Ithink Financial, our mission is clear: to improve the financial well-being of our members while actively supporting the communities we serve. We believe that strong communities lead to strong individuals and families. That's why we prioritize initiatives that promote financial education and community outreach. We offer various services designed with your needs in mind checking and savings accounts, auto loans with competitive rates, credit cards with rewards programs, and much more. Our goal is not just to help you manage your money but also to empower you to achieve your financial goals.

Branch Location & Accessibility

A Range of Services

Ithink Financial offers a variety of services tailored to support both personal and business banking needs. From checking and savings accounts to auto loans and mortgages, we're here to help you achieve your financial goals. Our online and mobile banking options make managing your accounts even easier, allowing you to bank anytime and anywhere. We invite you to stop by our Sebastian branch today! Experience firsthand the exceptional service that sets us apart from other financial institutions. If you have questions or need assistance before visiting, don't hesitate to call us at the number above. We look forward to serving you!

Banking Made Easy

At Ithink Financial, we understand that your time is valuable. That's why we offer flexible operating hours to accommodate busy schedules. Our lobby is open from 8:00 AM to 4:00 PM on Mondays and Tuesdays, extending to 6:00 PM on Fridays for added convenience. We also welcome you on Saturdays from 9:00 AM to 1:00 PM. For those who prefer self-service options, we have an ATM available for quick withdrawals and balance checks whenever you need them. Unfortunately, we do not have drive-thru banking available at this location, but our friendly staff are always ready to assist you inside.

Convenient Access

Parking is hassle-free with ample space available right outside our doors. Our branch is designed with accessibility in mind, featuring ramps and compliant facilities to ensure everyone can enjoy their banking experience comfortably. While members can visit us at our physical location, we encourage you to reach out via phone at 772-581-3199 for any inquiries or assistance before your visit.

Member Eligibility

At Ithink Financial, we believe that everyone deserves a chance to join our friendly community of members. Becoming a member is straightforward and welcoming. If you live, work, worship, or go to school in the area around 13600 Us Highway 1 Sebastian Fl 32958, you're likely eligible! This means you can enjoy all the benefits we offer, from personalized service to competitive rates on loans and savings accounts. To get started with your membership, simply check out the detailed eligibility criteria at . Once you're ready to join, opening an account is easy! Just visit us online at http://www.ithinkfi.org/personal/credit-cards/apply-for-a-credit-card or give us a call at (772) 581-3199 for any questions. We're excited to welcome you into our family and support your financial journey!

Business Banking & Commercial Services

Commercial Loans

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $307 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $3 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $144,582,100, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

Imagine running your business smoothly with efficient payment processing at your fingertips. Our merchant services make it easy for you to accept payments, whether online or in-person. This means you can focus more on what you do best serving your customers and growing your brand. Visit us at 13600 Us Highway 1 Sebastian Fl 32958 or call us at (772) 581-3199 to learn how we can support your business journey today!

Comprehensive List Of Services

ATM Access

Need cash on the go? Our ATM & Cash Withdrawal Services ensure that you have access to your money when you need it most. Plus, basic ATM access allows you to check balances and withdraw funds easily. We invite you to explore these services and more at Sebastian. If you have questions or need assistance navigating your financial journey, please don't hesitate to reach out! Call us at (772) 581-3199, visit us in person at our branch in Sebastian, or check out our website at ithinkfi.org. Let us be part of your financial success story!

Business Banking Services

For our business members, we provide comprehensive Business Banking solutions, including Merchant Services & Business Loans. If you're an entrepreneur looking to grow your business, our team is ready to help you find the right financing options tailored specifically for your needs.

Credit Card Benefits

Our Credit Cards with Rewards give you more than just a way to pay; they offer perks like cashback and points for every purchase. This means you can earn rewards just by using your card for everyday expenses!

Digital Banking Convenience

In today's fast-paced world, convenience is key. That's why at Ithink Financial, we offer robust Online & Mobile Banking platforms that let you manage your accounts anytime, anywhere. With features like mobile payments and person-to-person transfers, banking is now at your fingertips.

Financing Options

When it comes to making significant purchases or consolidating debt, our Auto Loans & Vehicle Financing options are here to assist you. Whether you're eyeing a new car or looking for a reliable used vehicle, we provide competitive rates and flexible terms to suit your budget. Additionally, if you're thinking about buying a home, our Mortgage Loans & Refinancing services can guide you through the process smoothly. We aim to make your homeownership dreams come true with loans that fit your financial situation. If you're facing unexpected expenses or need funds for a special project, our Personal Loans & Debt Consolidation options offer the financial flexibility you need. With straightforward terms and no hidden fees, getting the support you require has never been easier.

Personal Banking Solutions

We understand that managing your finances can sometimes feel overwhelming. That's why we offer Personal Banking services, including Checking & Savings Accounts, tailored to help you save effectively and manage your everyday expenses. Imagine having easy access to your funds while also earning interest on your savings it's all possible with our accounts.

Digital & Online Banking

Accessibility and Ease of Use

Our online banking services are designed with you in mind. Whether you're at home or out and about, you'll find it easy to manage your accounts in real-time. No more waiting in line or juggling schedules banking should fit into your life seamlessly. If you have any questions or need assistance, don't hesitate to reach out at (772) 581-3199. Our team is here to help you navigate all the features available through our digital banking services. Experience the ease and security of banking with Ithink Financial today!

Key Services

With our online banking platform, you can access your account 24/7. Whether it's checking your balance, paying bills, or transferring funds, everything is just a few clicks away. Plus, our mobile application makes it even easier to bank on the go. With features like mobile payments and person-to-person transfers, sending money to friends or family is quick and hassle-free. Security is a top priority at Ithink Financial. We offer electronic signature authorization, allowing you to sign documents securely online without needing to visit a branch. Additionally, e-statements are available for those who prefer going paperless; you'll receive your statements directly in your inbox, helping you keep track of your financial activities while reducing clutter.

Financial Strength

Growing Member Base

Total Share Accounts: 227,222, showing a strong and growing member base that trusts us with their finances. With net shares available for lending and investments totaling $3,867,559, we have the resources necessary to support your banking needs effectively. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing or planning for the future, Ithink Financial is your trusted partner. Visit us at 13600 Us Highway 1 Sebastian FL 32958 or call 772-581-3199 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.

Member Savings Secured

Members' savings are secured through $625,741,681 in share certificates and $276,916,687 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $38,153,062, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our $0 net income reflects our commitment to maintaining operational efficiency while offering competitive loan rates and solid financial products for our members. We take pride in having 385 full-time employees and 11 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable and committed team.

Reinvesting for Your Benefit

With $201,200,456 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity supports your financial goals across various sectors with $12,293 in used auto loans and a total of $1,789,525,687 in loans and leases available.

Solid Financial Foundation

With a net worth of $228,914,107, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 1019 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Contact Us

If you're interested in learning more about any of these loan products or would like to explore eligibility options tailored for you, don't hesitate to reach out. You can contact us at 772-581-3199, or visit us at our branch located at 13600 Us Highway 1 Sebastian FL 32958. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. At Ithink Financial, we're committed to providing transparent and effective financial solutions for all our members!

Our Loan Products

With over 41692 loans issued, we've helped thousands of members achieve their financial goals. Our offerings include: - Auto Loans: Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $230,162,699 in used vehicle loans and $63,520,497 in new vehicle loans already helping members get on the road. We also provide refinancing options to ensure you can benefit from lower rates whenever possible. - Mortgage Loans: Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $196,915,916, make buying or refinancing simple. We're here to guide you through the process and help you secure the right financing for your needs. - Unsecured Credit Card Loans: We also offer flexible terms on unsecured credit card loans, with a total of $85,511,680 in loans helping members manage their finances effectively. This option provides the freedom to make purchases without tying up your savings. - Credit Lines: If you're looking for extra flexibility with your spending, our total credit lines amount to $902,268,785, giving you access to funds when you need them most. For business owners, our outstanding commercial loans totaling $144,582,100 provide the capital needed to grow and expand.

Loan Aggregator

Ensuring Accurate Loan Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov ). This approach guarantees fair and transparent offers for users seeking loans. Each listing reflects current rates from legitimate institutions, allowing borrowers to compare options with confidence.

Key Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. - Real-Time Rate Comparisons: Up-to-date loan rates from multiple institutions help users make informed decisions. Thousands of users trust LendMesh for loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This testimonial highlights the platform's ability to deliver significant savings through accurate comparisons. Compare real-time loan offers today at LendMesh and find the best rates for your needs. *Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.*

ITHINK FINANCIAL CREDIT UNION