Thinkwise Credit Union Rialto CA | Best Auto Loans & ATM Services

Introduction

Welcome to Thinkwise at our Rialto Branch, located at 1270 Renaissance Pkwy, Rialto, CA 92376. Since our establishment in 1952, we've been dedicated to serving our community and helping members achieve their financial goals. With a strong membership base of 6,033 individuals, we pride ourselves on being a trusted partner in your financial journey. At Thinkwise, we understand that every dollar counts. That's why we manage total assets amounting to an impressive $111,112,714, ensuring that your savings are in safe hands. Our commitment to you is reflected in our robust offerings: from personal banking services such as checking and savings accounts to various loan options including auto loans and mortgages. While members can visit us at our branch, official correspondence should be sent to 2441 N Sierra Way, San Bernardino, CA 92405. We are here for you with a dedicated team of 26 employees, all under the leadership of our CEO, Heri Garcia, and Board President, Bradley McDuffee. Together, we strive to foster a welcoming environment where everyone feels valued. Our financial stability shines through with total deposits reaching $18,853,768 and net worth standing at $10,895,232. Furthermore, we have maintained a healthy cash reserve of $820,252, allowing us to support our members when they need it most. Your financial well-being is our priority. Whether you're looking to open a new account or explore lending options with a total loan portfolio of 9,195, we're ready to assist you every step of the way. Feel free to reach out to us at (909) 882-2911 during our operating hours: Monday through Friday from 9:30 AM to 5:30 PM and Saturday from 9:00 AM to 1:00 PM. Explore more about what we offer by visiting our website at thinkwisecu.org. We're excited to help you take the next step towards your financial success!

Branch History & Mission

At Thinkwise, we take pride in our rich history and commitment to the community. Established in 1952, our Rialto Branch has been a trusted financial partner for over seven decades. Located at 1270 Renaissance Pkwy, Rialto, CA 92376, we have grown alongside our members, evolving to meet their needs and aspirations. Over the years, our membership has expanded significantly, currently serving over 6,000 members. With total assets reaching an impressive $111,112,714, Thinkwise is dedicated to providing financial services that empower individuals and families. Our mission is simple yet impactful: to enhance the financial well-being of our community through accessible banking solutions and unwavering support. Our branch operates with a focus on personal relationships and customer service. We are here for you Monday through Friday from 9:30 AM to 5:30 PM and on Saturdays from 9:00 AM to 1:00 PM. Whether you're seeking a checking account, auto loan, or mortgage refinancing, our knowledgeable staff is ready to assist you. While members can visit us at our physical location for all their banking needs, official correspondence should be sent to our mailing address at 2441 N Sierra Way, San Bernardino, CA 92405. Thinkwise not only provides traditional banking services but also embraces modern technology. Our digital advancements include online banking options and mobile payments that make managing your finances easy and convenient. We ensure that all members can access these services comfortably by adhering to ADA compliance standards. Community outreach remains at the heart of what we do. We believe in giving back through partnerships with local organizations and initiatives that promote financial literacy and support underserved populations. Our commitment extends beyond just banking; we aim to foster growth and development within Rialto and its surrounding areas. As we look toward the future, we invite you to join us on this journey. Experience firsthand the benefits of being part of Thinkwise. Together, let's build a brighter financial future for you and your family! For more information or to become a member today, call us at 909-882-2911 or visit our website at Thinkwise.

Branch Location & Accessibility

Accessibility and Parking

We understand the importance of accessibility. Our branch is equipped with features that cater to all members, including ADA-compliant entrances and ramps. You'll find ample parking available, ensuring that your visit is as smooth as possible.

Operating Hours

Our doors are open for you during convenient hours: from Monday through Friday, we welcome you from 9:30 AM to 5:30 PM, and on Saturdays, we're here from 9:00 AM to 1:00 PM. Whether you need assistance with personal banking or have questions about our loan products, our friendly team is ready to help during these hours.

Services Offered

At Thinkwise, we offer a variety of services tailored for both individuals and businesses. From checking and savings accounts to auto loans and mortgages, our aim is to support your financial journey every step of the way. Plus, with ATM access available right here at the branch, managing your cash flow is easy and convenient. While you can always reach us at (909) 882-2911 for any inquiries or assistance, we also encourage you to visit us in person. We look forward to helping you achieve your financial goals! If official correspondence is needed, please note that it should be sent to our mailing address at 2441 N Sierra Way, San Bernardino, CA 92405. Come see us today at Thinkwise Rialto Branch your community credit union dedicated to serving you!

Member Eligibility

At Thinkwise, we believe that becoming a member means joining a warm, welcoming community where your financial well-being is our priority. To be eligible for membership, you simply need to live, work, or worship in our local area or have a family member who is already part of our credit union. This means that many people in Rialto and beyond can take advantage of the supportive services we offer. The benefits of being a member with us include access to competitive loan rates, personalized service, and a range of financial products designed to meet your needs. Getting started is easy! You can find all the details about eligibility on our website at http://www.thinkwisecu.org/business-membership . Once you're ready to join us, opening an account is just a few clicks away through this link: https://loans.itsme247.com/934/home/start/ . If you have any questions or need assistance, don't hesitate to give us a call at (909) 882-2911. We can't wait to welcome you into the Thinkwise family!

Business Banking & Commercial Services

Loan Options for Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We also support the broader business community with $3 in non-member commercial loans, providing flexible financing solutions.

Practical Merchant Services

In today's fast-paced world, having the right tools can make all the difference. Our merchant services offer seamless payment processing options that simplify transactions for your customers. Imagine effortlessly managing payments, whether in-store or online, allowing you to focus more on what you do best running your business. We believe that every successful venture starts with the right financial partner. Reach out to us at our branch located at 1270 Renaissance Pkwy, Rialto, CA 92376, or give us a call at 909-882-2911. Let's work together to take your business to new heights!

Comprehensive List Of Services

Business Banking Solutions

For our business members, Thinkwise also provides essential banking services including Merchant Services & Business Loans. If you're looking to expand your business or improve cash flow, we're here to support your entrepreneurial journey.

Connect With Us Today!

We invite you to experience the difference at Thinkwise! Our branch hours are Monday through Friday from 9:30 AM to 5:30 PM and Saturday from 9:00 AM to 1:00 PM. Have questions? Don't hesitate to reach out at 909-882-2911 we're eager to assist you! Explore all that we have to offer by visiting us at Thinkwise Credit Union. Let us help you achieve your financial goals today!

Convenient Digital Banking Features

In today's busy world, convenience is key. That's why we offer robust Online & Mobile Banking features. With just a few taps on your smartphone or clicks on your computer, you can manage accounts, transfer funds, and even make person-to-person payments easily from anywhere. You'll also have access to our ATMs for quick cash withdrawals and balance checks whenever needed. Whether it's early morning or late evening, we ensure that you have access to your funds without hassle.

Financing Your Dreams

If you're in the market for a new car or need assistance with vehicle financing, our Auto Loans & Vehicle Financing can make that dream a reality. Imagine driving off in your new car with an affordable loan that fits your budget. Additionally, our Mortgage Loans & Refinancing options provide flexible terms so you can own your home without stress. For those times when life throws unexpected expenses your way, our Personal Loans & Debt Consolidation services can offer relief. We'll work with you to create a manageable plan that helps you regain control over your finances.

Personal Banking Made Easy

We offer a variety of personal banking services that can fit seamlessly into your lifestyle. Whether you're looking to open a checking or savings account, our options are designed to help you manage your money efficiently. You might be saving for a vacation or planning for a rainy day whatever your goal, we have the accounts to support you.

Rewarding Credit Options

Our Credit Cards with Rewards allow you to earn points while making everyday purchases. This means every time you shop, pay bills, or fill up on gas, you're working towards rewards that matter to you.

Digital & Online Banking

Key Features of Our Digital Banking Services

With our 24/7 online banking services, you have complete control over your finances whenever you need it. Check your balances, transfer funds, and pay bills all from the comfort of your own home or while you're out and about. For those moments when you need to send money quickly, our person-to-person transfer feature makes it easy to send cash to friends and family with just a few taps on your mobile device. Our mobile application is another fantastic tool for managing your accounts on the go. You can make payments using our mobile payments feature, which allows for secure transactions right from your smartphone. Plus, if you prefer going paperless, you can opt for e-statements, making it easier to keep track of your account without the clutter of physical statements.

Security You Can Trust

We understand that security is a top priority for our members. That's why we utilize electronic signature authorization for many transactions, ensuring that your information is protected every step of the way. With these measures in place, you can bank with confidence knowing that your personal data is safe. In summary, Thinkwise is committed to providing accessible and efficient digital banking solutions tailored to meet your needs. From easy account management to secure transactions, we're here to help you take charge of your financial journey effortlessly. Join us today and explore the world of digital banking at https://www.thinkwisecu.org/ !

Financial Strength

Commitment to Member Savings

Members' savings are secured through $21,469,356 in share certificates and $12,353,788 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Dedicated Team

We also take pride in having 26 full-time employees, ensuring our branches are always ready to serve you with a knowledgeable and committed team. Our total share accounts stand at 14,056, showing a strong and growing member base that trusts us with their finances. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Thinkwise is your trusted partner. Visit us at 1270 Renaissance Pkwy Rialto Ca 92376 or call 909-882-2911 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.

Operational Efficiency

Our operations reflect our commitment to efficiency. Though we have reported a net income of -$37,943, it represents our ongoing investments into improving services for our members rather than inefficiency. We are committed to turning this around through focused strategies aimed at enhancing member experience.

Reinvestment for Better Services

With $9,987,514 in undivided earnings, we reinvest in innovative banking tools and stronger lending options to serve our members better. Our lending capacity is also noteworthy: with $61,846,705 in total loans and leases and 2,483 used auto loans, we support members' financial goals across various sectors.

Strong Financial Health

With a net worth of $10,895,232, we maintain robust financial health, allowing us to offer better rates, lower fees, and enhanced member services. This solid footing is further highlighted by our net worth ratio of 979, which demonstrates a strong capital base. This ensures that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $24,012,888 in used vehicle loans and $11,296,334 in new vehicle loans already helping members get on the road. We provide flexible financing options to fit your budget, ensuring you can drive away with peace of mind.

Credit Lines

Need access to funds for unexpected expenses? Our credit lines total $5,588,801, giving you the flexibility and security you need when life's surprises come knocking. You can draw from this line whenever necessary without having to apply for a new loan each time.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $8,083,071, make buying or refinancing simple. Whether you're a first-time buyer or looking to refinance your existing mortgage, our team is here to guide you through every step of the process.

Refinancing Options

At Thinkwise, we believe in making finances work for you. If you're considering refinancing any existing loans or credit lines, our team can assist you in finding options that lower your payments or free up cash flow for other needs. For inquiries about eligibility and our various loan offerings, feel free to reach out at (909) 882-2911 or visit us at our branch located at 1270 Renaissance Pkwy Rialto Ca 92376 in Rialto, CA. We're here Monday through Friday from 9:30 am to 5:30 pm and Saturdays from 9:00 am to 1:00 pm. 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 Thinkwise, we're committed to providing transparent and supportive financial solutions tailored just for you!

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $3,046,169 in loans helping members manage their finances effectively. These cards come with competitive interest rates and rewards programs that can benefit your everyday spending.

Loan Aggregator

Finding the best loan rates can be overwhelming. LendMesh simplifies this process by providing real-time, unbiased comparisons of mortgage, auto, and personal loan rates from verified financial institutions. With LendMesh, you can easily compare multiple offers to make an informed decision that suits your financial needs. LendMesh ensures accurate loan comparisons through a reliable sourcing method. 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 commitment to using verified data means you receive fair and transparent offers tailored to your situation. The benefits of using LendMesh are clear: - Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency and trust in every comparison. - No Sponsored Listings: Unlike other platforms, LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. - Real-Time Rate Comparisons: Get up-to-date loan rates from multiple institutions, empowering you to make informed decisions quickly. 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 kind of feedback highlights the reliability and effectiveness of the tool. If you're ready to find competitive rates without the hassle, compare real-time loan offers today at LendMesh and discover the best options 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.*

THINKWISE FEDERAL CREDIT UNION - Rialto, CA