--- title: "Thinkwise Credit Union Rates (Nov 2026): CDs to 3.50%" description: "Thinkwise Credit Union rates today: savings & CDs up to 3.50% APY. Every rate verified daily from the official website — no pay-to-rank. See who can join Thinkwise Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/california/thinkwise" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Thinkwise Credit Union Rates (Nov 2026): CDs to 3.50% ### Auto & vehicle rates 12 offers | Product | Published | Rate | Term / condition | Status | | **New & Used Motorcycles (36 months)** motorcycle_any_36mo | — APR | 3.750% | 36 mo · any | Standard | | **New & Used Motorcycles (48 months)** motorcycle_any_48mo | — APR | 4.000% | 48 mo · any | Standard | | **New & Used Motorcycles (60 months)** motorcycle_any_60mo | — APR | 4.250% | 60 mo · any | Standard | | **New & Used Auto Loans (36 months)** auto_any_36mo | — APR | 4.990% | 36 mo · any | Standard | | **New & Used Auto Loans (48 months)** auto_any_48mo | — APR | 5.240% | 48 mo · any | Standard | | **New & Used Motorcycles (72 months)** motorcycle_any_72mo | — APR | 5.250% | 72 mo · any | Standard | | **New & Used Auto Loans (60 months)** auto_any_60mo | — APR | 5.490% | 60 mo · any | Standard | | **New & Used Auto Loans (72 months)** auto_any_72mo | — APR | 5.990% | 72 mo · any | Standard | | **New & Used Motor Homes & Watercraft (96 months)** rv_any_96mo | — APR | 6.500% | 96 mo · any | Standard | | **New & Used Motor Homes & Watercraft (144 months)** rv_any_144mo | — APR | 6.750% | 144 mo · any | Standard | | **New & Used Auto Loans (84 months)** auto_any_84mo | — APR | 6.990% | 84 mo · any | Standard | | **New & Used Motor Homes & Watercraft (180 months)** rv_any_180mo | — APR | 7.000% | 180 mo · any | Standard | Thinkwise Credit Union auto & vehicle rates as of November 12, 2026 ### Personal loan rates 3 offers | Product | Published | Rate | Term / condition | Status | | **36-Month Unsecured Personal Loan** personal_unsecured_36mo | — APR | 12.500% | 36 mo | Standard | | **48-Month Unsecured Personal Loan** personal_unsecured_48mo | — APR | 13.250% | 48 mo | Standard | | **60-Month Unsecured Personal Loan** personal_unsecured_60mo | — APR | 14.500% | 60 mo | Standard | Thinkwise Credit Union personal loan rates as of November 12, 2026 ### Savings & CD rates 16 offers | Product | Published | Rate | Term / condition | Status | | **Daily** savings | — APY | 0.15% | — | Context only | | **Daily** savings | — APY | 0.20% | — | Context only | | **Daily** savings | — APY | 0.30% | — | Context only | | **Daily** savings | — APY | 0.45% | — | Context only | | **Daily** savings | — APY | 0.55% | — | Context only | | **Daily** savings | — APY | 0.99% | — | Context only | | **3-Month Certificate** share_certificate_3mo | 2.00% APY | 1.98% | 3 mo | Standard | | **6-Month Certificate** share_certificate_6mo | 2.25% APY | 2.23% | 6 mo | Standard | | **12-Month Certificate** share_certificate_12mo | 2.50% APY | 2.47% | 12 mo | Standard | | **24-Month Certificate** share_certificate_24mo | 2.75% APY | 2.71% | 24 mo | Standard | | **12-Month IRA Certificate** ira_cd_12mo | — APY | 2.96% | 12 mo | Standard | | **36-Month Certificate** share_certificate_36mo | 3.00% APY | 2.96% | 36 mo | Standard | | **48-Month Certificate** share_certificate_48mo | 3.25% APY | 3.20% | 48 mo | Standard | | **Quantum Term (60 Months)** cd_60mo | 3.50% APY | 3.44% | 60 mo | Standard | | **60-Month Certificate** share_certificate_60mo | 3.50% APY | 3.44% | 60 mo | Standard | | **Gen-T Term Certificate* (12 Months)** share_certificate_12mo | — APY | 4.16% | 12 mo | Standard | Thinkwise Credit Union savings & cd rates as of November 12, 2026 ### Other rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Serving our members since 1952** other | — % | 3.750% | — | Standard | Thinkwise Credit Union other rates as of November 12, 2026 Savings and certificate yields up to 3.50% APY. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/california/thinkwise) , verified from [Thinkwise Credit Union's official website](https://www.thinkwisecu.org/) Loading branch locator… ## About Thinkwise Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 6.2K Assets $121.2M Founded 1952 Locations reported 2 NCUA charter 7770 Charter type Federal credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Electronic statements - Mobile check deposit - Mobile payments - Financial counseling - Financial education - Bilingual services - Payday Alternative Loans I Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**America First** San Bernardino · San Bernardino · CA · 92401 About 0.2 miles away](https://rateapi.dev/credit-unions/utah/america-first) [**Fontana** DOCU-TRUST · San Bernardino · CA · 92408 About 1.1 miles away](https://rateapi.dev/credit-unions/california/fontana) [**Arrowhead** San Bernardino - SBVC Campus · San Bernardino · CA · 92410-2705 About 1.7 miles away](https://rateapi.dev/credit-unions/california/arrowhead) [**Certified** San Bernardino · San Bernardino · CA · 92408-3566 About 2.9 miles away](https://rateapi.dev/credit-unions/california/certified) [**Navy Federal Credit Union** San Bernardino CA · San Bernardino · CA · 92408-4203 About 3.1 miles away](https://rateapi.dev/credit-unions/virginia/navy-federal-credit-union) [**Schoolsfirst** 23 - San Bernardino In-Store · San Bernardino · CA · 92404-1301 About 4.1 miles away](https://rateapi.dev/credit-unions/california/schoolsfirst) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join Thinkwise Credit Union Membership eligibility from Thinkwise Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Thinkwise Credit Union's website. Check the membership page below to confirm whether you qualify. - Association Volunteers & Affiliated Organizations Verified from [Thinkwise Credit Union's membership page](https://www.thinkwisecu.org/who-we-are) . Final membership determination is always made by the credit union. ## Membership rules for Thinkwise Credit Union Associations · Family 2 published paths to membership, last verified August 21, 2026, quoted from Thinkwise Credit Union’s own published criteria. ### Associations 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Member of Volunteers & Affiliated Organizations “Volunteers & Affiliated Organizations PTA/PTO officers, booster‑club leaders, board members, and other recognized volunteers directly supporting educational institutions in the service area.” > [source ↗](https://www.thinkwisecu.org/who-we-are) - Member of Volunteers & Affiliated Organizations ### Family 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Family of a member spouse, domestic partner, parent, child, sibling, grandparent, grandchild, household member “Immediate Family & Household Spouses/domestic partners, parents, children, siblings, grandparents, grandchildren, and anyone sharing the same household with a current or eligible member.” > [source ↗](https://www.thinkwisecu.org/who-we-are) - Family member (spouse, domestic partner, parent, child, sibling, grandparent, grandchild, household member) of a member Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Thinkwise Credit Union? Yes No ## Work at Thinkwise Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Thinkwise Credit Union ranks against California peers. - See which AI assistants fetched Thinkwise Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in California - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=thinkwise&state=california&code=CA&name=Thinkwise%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Thinkwise Credit Union offer? Thinkwise Credit Union currently offers vehicle loan, and personal loan rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are Thinkwise Credit Union rates updated? RateAPI verifies Thinkwise Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 12, 2026. ### Where does RateAPI get Thinkwise Credit Union's rate data? Rate data is collected directly from Thinkwise Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What is Thinkwise Credit Union's best CD rate? As of November 12, 2026, Thinkwise Credit Union offers savings and certificate (CD) yields up to 3.50% APY. ### Who can join Thinkwise Credit Union? Thinkwise Credit Union publishes its membership criteria on its own website. RateAPI tracks 2 published membership paths covering 1 association for Thinkwise Credit Union, each quoted from Thinkwise Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Thinkwise Credit Union's rates against national credit-union benchmarks. [More California credit unions](https://rateapi.dev/credit-unions/california) [California auto loan rate leaders](https://rateapi.dev/auto-loan-rates/california) [California personal loan leaders](https://rateapi.dev/personal-loan-rates/california) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.thinkwisecu.org/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Thinkwise Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when California credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Thinkwise Credit Union curl "https://api.rateapi.dev/credit-unions/california /thinkwise " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Thinkwise Credit Union locations Search, filter, and browse all 2 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/california/thinkwise Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp