Welcome to thinkwise, where our commitment to community service and financial empowerment has been the cornerstone of our mission since we were established in 1952. Headquartered in the heart of San Bernardino, CA, we take pride in offering a wide range of financial solutions tailored to meet the unique needs of our members. Under the guidance of our CEO, Heri Garcia, and Board President, Bradley McDuffee, we strive to create an environment that fosters trust and accessibility for all.

As a member-focused institution, we are proud to be federally insured by the NCUA since 1/4/1971 0:00, ensuring that your deposits are safe and secure. We embrace modern banking technologies, providing convenient services like online banking, a mobile application for on-the-go access, person-to-person transfers, e-statements, mobile payments, and electronic signature authorization. At thinkwise, we believe in empowering our members with the tools they need to manage their finances effectively. For more information about our services or to get started on your financial journey with us, visit our official website at https://www.thinkwisecu.org/ or reach us via fax at (909) 882-6471.

At Thinkwise, we understand that managing your finances is a crucial part of everyday life, and we are dedicated to providing a comprehensive suite of services designed to meet the diverse needs of our members. From personal banking solutions such as checking and savings accounts, auto loans, and mortgage refinancing to business banking options like merchant services and business loans, Thinkwise aims to empower you at every financial milestone. Our credit cards come with rewarding benefits, ensuring that whether you're making everyday purchases or planning significant investments, you have the tools necessary for success.

In today's digital age, access to your finances should be convenient and secure. That’s why Thinkwise offers robust online banking features, including a user-friendly mobile app that allows you to manage your accounts anytime, anywhere. With person-to-person transfers and mobile payment options at your fingertips, sending money has never been easier. Plus, our e-statements and e-signature capabilities streamline your banking experience while keeping it environmentally friendly. Whether you’re looking to grow a small business or plan for future life events, our services are tailored to help you achieve your goals efficiently. To learn more about becoming a member and the qualifications involved, visit http://www.thinkwisecu.org/business-membership . And if you have any questions or need personal support, don’t hesitate to reach out at (909) 882-6471—we’re here for you every step of the way!

Thinkwise stands out as a trusted financial partner, proudly serving a growing community with total membership reaching 6,033. Our commitment to excellence is reflected in our impressive total assets of 111,112,714, ensuring that we have the resources to support our members' financial goals. With a solid net worth of 10,895,232 and a prudent approach to financial management, we strive to provide stability and reliability in an ever-changing economic landscape.

While navigating today's financial environment can be challenging, Thinkwise remains dedicated to transparency and service. Despite facing a net income of -37,943, our focus remains on fostering long-term relationships with our members rather than short-term profits. We understand that trust is built over time, and we are committed to maintaining open lines of communication about our financial health.

Our robust total deposits amounting to 18,853,768 demonstrate the confidence our members place in us, while the volume of loans and leases totaling 9,195 showcases our ability to provide vital financial solutions tailored to individual needs. We take pride in being able to offer diverse lending options, including credit card loans with a volume of 4,128 and auto loans totaling 4,966. Furthermore, while commercial loans may number just 3, we view every opportunity as a chance to grow alongside our members' businesses.

With a dedicated team of 26 professionals at your service, Thinkwise is ready to assist you on your financial journey. Our net worth ratio of 979 underscores our strong capital position, allowing us to serve you better while ensuring the highest level of security for your deposits.

At Thinkwise, we believe that every member deserves personalized attention and access to valuable resources. Our mission is not only to facilitate your banking needs but also to empower you through informed decision-making. For insights into how we maintain our performance and credibility, please refer to the National Credit Union Administration (NCUA) at: https://www.ncua.gov .

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