--- title: "Ithink Financial Credit Union Rates (Nov 2026): Vehicle 5.74%" description: "Ithink Financial Credit Union rates today: vehicle loans from 5.74% APR. Every rate verified daily from the official website — no pay-to-rank. See who can join Ithink Financial Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/florida/ithink-financial" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Ithink Financial Credit Union Rates (Nov 2026): Vehicle 5.74% ### Auto & vehicle rates 62 offers | Product | Published | Rate | Term / condition | Status | | **Auto Loan** auto | — APR | 4.250% | — | Standard | | **Used Auto & Truck Loans (up to 36 months)** auto_used_36mo | — APR | 4.740% | 36 mo · used | Standard | | **New Auto & Truck Loans (up to 36 months)** auto_new_36mo | — APR | 4.740% | 36 mo · new | Standard | | **Used Auto Loan** auto_used | — APR | 4.740% | used | Standard | | **Featured Vehicle Loan Rates (as low as)** auto | — APR | 4.740% | — | Standard | | **New Auto Loan** auto_new | — APR | 4.740% | new | Standard | | **36-Month Boat Loan** boat_any_36mo | — APR | 5.240% | 36 mo | Standard | | **New Auto & Truck Loans (37 - 48 months)** auto_new_48mo | — APR | 5.240% | 48 mo · new | Standard | | **Up to 36-Month Used Boat Loan** boat_used_36mo | — APR | 5.240% | 36 mo · used | Standard | | **New Auto & Truck Loans (49 - 60 months)** auto_new_60mo | — APR | 5.240% | 60 mo · new | Standard | | **Up to 36-Month New Boat Loan** boat_new_36mo | — APR | 5.240% | 36 mo · new | Standard | | **Motorcycle Loan** motorcycle | — APR | 5.340% | — | Standard | | **Up to 36-Month New Motorcycle Loan** motorcycle_new_36mo | — APR | 5.340% | 36 mo · new | Standard | | **New Camping Trailer Loans (up to 36 months)** powersports_new_36mo | — APR | 5.490% | 36 mo · new | Standard | | **Used Auto & Truck Loans (37 - 48 months)** auto_used_48mo | — APR | 5.490% | 48 mo · used | Standard | | **Used Auto & Truck Loans (49 - 60 months)** auto_used_60mo | — APR | 5.490% | 60 mo · used | Standard | | **New Motorcycle Loans (37 - 48 months)** motorcycle_new_48mo | — APR | 5.490% | 48 mo · new | Standard | | **Camping Trailers** powersports_any_36mo | — APR | 5.490% | 36 mo | Standard | | **New Golf Carts** powersports_new | — APR | 5.490% | new | Standard | | **New Golf Cart Loans (37 - 48 months)** powersports_new_48mo | — APR | 5.490% | 48 mo · new | Standard | | **Motorhomes** rv_any_36mo | — APR | 5.490% | 36 mo | Standard | | **Up to 36-Month New RV Loan** rv_new_36mo | — APR | 5.490% | 36 mo · new | Standard | | **Used Camping Trailer Loans (up to 36 months)** powersports_used_36mo | 5.740% APR | 5.740% | 36 mo · used | Standard | | **New Golf Cart Loans (49 - 60 months)** powersports_new_60mo | — APR | 5.740% | 60 mo · new | Standard | | **New Camping Trailer Loans (37 - 48 months)** powersports_new_48mo | — APR | 5.740% | 48 mo · new | Standard | | **New Motorcycle Loans (49 - 60 months)** motorcycle_new_60mo | — APR | 5.740% | 60 mo · new | Standard | | **Used Golf Cart Loans (37 - 48 months)** powersports_used_48mo | — APR | 5.740% | 48 mo · used | Standard | | **Used Golf Carts** powersports_used | — APR | 5.740% | used | Standard | | **Up to 36-Month Used Motorcycle Loan** motorcycle_used_36mo | 5.740% APR | 5.740% | 36 mo · used | Standard | | **Used Motorcycle Loans (37 - 48 months)** motorcycle_used_48mo | — APR | 5.740% | 48 mo · used | Standard | | **New Boat Loans (37 - 48 months)** boat_new_48mo | — APR | 5.740% | 48 mo · new | Standard | | **Up to 36-Month Used RV Loan** rv_used_36mo | 5.740% APR | 5.740% | 36 mo · used | Standard | | **New Motorhome Loans (37 - 48 months)** rv_new_48mo | — APR | 5.740% | 48 mo · new | Standard | | **Used Boat Loans (37 - 48 months)** boat_used_48mo | — APR | 5.840% | 48 mo · used | Standard | | **New Auto & Truck Loans (61 - 72 months)** auto_new_72mo | — APR | 5.940% | 72 mo · new | Standard | | **New Boat Loans (49 - 60 months)** boat_new_60mo | — APR | 5.990% | 60 mo · new | Standard | | **Used Motorhome Loans (37 - 48 months)** rv_used_48mo | — APR | 5.990% | 48 mo · used | Standard | | **Used Motorcycle Loans (49 - 60 months)** motorcycle_used_60mo | — APR | 5.990% | 60 mo · used | Standard | | **New Camping Trailer Loans (49 - 60 months)** powersports_new_60mo | — APR | 5.990% | 60 mo · new | Standard | | **Used Camping Trailer Loans (37 - 48 months)** powersports_used_48mo | — APR | 5.990% | 48 mo · used | Standard | | **Used Golf Cart Loans (49 - 60 months)** powersports_used_60mo | — APR | 5.990% | 60 mo · used | Standard | | **New Motorhome Loans (49 - 60 months)** rv_new_60mo | — APR | 5.990% | 60 mo · new | Standard | | **Used Boat Loans (49 - 60 months)** boat_used_60mo | — APR | 6.240% | 60 mo · used | Standard | | **Used Camping Trailer Loans (49 - 60 months)** powersports_used_60mo | — APR | 6.240% | 60 mo · used | Standard | | **Used Motorhome Loans (49 - 60 months)** rv_used_60mo | — APR | 6.240% | 60 mo · used | Standard | | **New Auto & Truck Loans (73 - 84 months)** auto_new_84mo | — APR | 6.400% | 84 mo · new | Standard | | **Used Auto & Truck Loans (61 - 72 months)** auto_used_72mo | — APR | 6.440% | 72 mo · used | Standard | | **Used Auto & Truck Loans (73 - 84 months)** auto_used_84mo | — APR | 6.790% | 84 mo · used | Standard | | **Used Motorcycle Loans (61 - 72 months)** motorcycle_used_72mo | — APR | 6.990% | 72 mo · used | Standard | | **New Motorcycle Loans (61 - 72 months)** motorcycle_new_72mo | — APR | 6.990% | 72 mo · new | Standard | | **New Camping Trailer Loans (61 - 72 months)** powersports_new_72mo | — APR | 7.990% | 72 mo · new | Standard | | **New Motorhome Loans (61 - 72 months)** rv_new_72mo | — APR | 7.990% | 72 mo · new | Standard | | **New Boat Loans (61 - 72 months)** boat_new_72mo | — APR | 7.990% | 72 mo · new | Standard | | **Used Motorhome Loans (61 - 72 months)** rv_used_72mo | — APR | 8.240% | 72 mo · used | Standard | | **Used Boat Loans (61 - 72 months)** boat_used_72mo | — APR | 8.240% | 72 mo · used | Standard | | **Used Camping Trailer Loans (61 -72 months)** powersports_used_72mo | — APR | 8.240% | 72 mo · used | Standard | | **New Motorhome Loans (73 - 120 months)** rv_new_120mo | — APR | 9.190% | 120 mo · new | Standard | | **New Camping Trailer Loans (73 - 120 months)** powersports_new_120mo | — APR | 9.190% | 120 mo · new | Standard | | **New Boat Loans (73 - 120 months)** boat_new_120mo | — APR | 9.240% | 120 mo · new | Standard | | **Used Boat Loans (73 - 120 months)** boat_used_120mo | — APR | 9.490% | 120 mo · used | Standard | | **Used Motorhome Loans (73 - 120 months)** rv_used_120mo | — APR | 9.490% | 120 mo · used | Standard | | **Used Camping Trailer Loans (73 -120 months)** powersports_used_120mo | — APR | 9.490% | 120 mo · used | Standard | Ithink Financial Credit Union auto & vehicle rates as of November 13, 2026 ### Personal loan rates 4 offers | Product | Published | Rate | Term / condition | Status | | **Share Secured Loans (36 - 120 months)** personal_secured_120mo | — APR | 6.000% | 120 mo | Standard | | **Up to 36-Month Personal Loan** personal_unsecured_36mo | — APR | 11.400% | 36 mo | Standard | | **Term Loans (37 - 48 months)** personal_unsecured_48mo | — APR | 11.400% | 48 mo | Standard | | **Term Loans (49 - 60 months)** personal_unsecured_60mo | — APR | 11.400% | 60 mo | Standard | Ithink Financial Credit Union personal loan rates as of November 13, 2026 ### Savings & CD rates 5 offers | Product | Published | Rate | Term / condition | Status | | **$3,000 +** savings | — APY | 0.05% | — | Standard | | **myChoice Checking Account – $25 Opening Deposit Required** checking | 0.05% APY | 0.05% | — | Specialty offer | | **$0.00 – $9,999.99** savings | — APY | 1.00% | — | Standard | | **Business Money Market Account**** money_market | 1.00% APY | 1.00% | — | Eligibility restricted | | **$10,000.00 - Unlimited** savings | — APY | 1.44% | — | Standard | Ithink Financial Credit Union savings & cd rates as of November 13, 2026 Vehicle loans available from 5.74% APR for 36 months. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/florida/ithink-financial) , verified from [Ithink Financial Credit Union's official website](https://www.ithinkfi.org/) Loading branch locator… ## About Ithink Financial Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 118.3K Assets $2.4B Founded 1969 Locations reported 21 NCUA charter 68663 Charter type Federally insured state-chartered 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 - First-time homebuyer program - Bilingual services - Student scholarships 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. [**Dort Financial** BOCA RATON BRANCH · BOCA RATON · FL · 33487-4901 About 4.6 miles away](https://rateapi.dev/credit-unions/michigan/dort-financial) [**Guardians** Boynton Beach · Boynton Beach · FL · 33426 About 5.8 miles away](https://rateapi.dev/credit-unions/florida/guardians) [**Baptist Health South Florida** Boca Branch · Boca Raton · FL · 33486 About 6.7 miles away](https://rateapi.dev/credit-unions/florida/baptist-health-south-florida) [**South Atlantic** SOUTH ATLANTIC FCU · Boca Raton · FL · 33432-5966 About 8.0 miles away](https://rateapi.dev/credit-unions/florida/south-atlantic) [**Space Coast** Space Coast Credit Union - Camino Real · Boca Raton · FL · 33432 About 8.0 miles away](https://rateapi.dev/credit-unions/florida/space-coast) [**JM Associates** Deerfield · Deerfield Beach · FL · 33442-1701 About 9.4 miles away](https://rateapi.dev/credit-unions/florida/jm-associates) 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 Ithink Financial Credit Union Membership eligibility from Ithink Financial Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Ithink Financial Credit Union's website. Check the membership page below to confirm whether you qualify. - Location barrow, bartow, carroll, catoosa, chattooga, cherokee, clayton, cobb, coweta, dawson, dekalb, douglas, fannin, fayette, floyd, forsyth, fulton, gilmer, gordon, gwinnett, habersham, hall, haralson, henry, jackson, lumpkin, murray, newton, paulding, pickens, polk, rockdale, spalding, walker, walton, whitfield, alachua, broward, clay, collier, charlotte, desoto, flagler, glades, hardee, hendry, hillsborough, highlands, indian river, lee, manatee, martin, miami-dade, monroe, okeechobee, orange, osceola, palm beach, pasco, pinellas, putnam, sarasota, seminole, st. lucie, sumter, volusia — GA, FL Verified from [Ithink Financial Credit Union's membership page](https://www.ithinkfi.org/about/join-us) . Final membership determination is always made by the credit union. ## Membership rules for Ithink Financial Credit Union Geography 66 counties · Family 67 published paths to membership, last verified August 22, 2026, quoted from Ithink Financial Credit Union’s own published criteria. ### Geography 66 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 22, 2026 - Alachua County, FL - Barrow County, GA - Bartow County, GA - Broward County, FL - Carroll County, GA - Catoosa County, GA - Charlotte County, FL - Chattooga County, GA - Cherokee County, GA - Clay County, FL - Clayton County, GA - Cobb County, GA - Collier County, FL - Coweta County, GA - Dawson County, GA - Dekalb County, GA - Desoto County, FL - Douglas County, GA - Fannin County, GA - Fayette County, GA - Flagler County, FL - Floyd County, GA - Forsyth County, GA - Fulton County, GA - Gilmer County, GA - Glades County, FL - Gordon County, GA - Gwinnett County, GA - Habersham County, GA - Hall County, GA - Haralson County, GA - Hardee County, FL - Hendry County, FL - Henry County, GA - Highlands County, FL - Hillsborough County, FL - Indian River County, FL - Jackson County, GA - Lee County, FL - Lumpkin County, GA - Manatee County, FL - Martin County, FL - Miami Dade County, FL - Monroe County, FL - Murray County, GA - Newton County, GA - Okeechobee County, FL - Orange County, FL - Osceola County, FL - Palm Beach County, FL - Pasco County, FL - Paulding County, GA - Pickens County, GA - Pinellas County, FL - Polk County, GA - Putnam County, FL - Rockdale County, GA - Sarasota County, FL - Seminole County, FL - Spalding County, GA - St. Lucie County, FL - Sumter County, FL - Volusia County, FL - Walker County, GA - Walton County, GA - Whitfield County, GA “County of Barrow” > [source ↗](https://www.ithinkfi.org/about/join-us) Show all 66 places ### Family 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 22, 2026 - Family of a member immediate family member, household member “Be an immediate family member of/live in the same household as an existing Member.” > [source ↗](https://www.ithinkfi.org/about/join-us) - Family member (immediate family member, 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 Ithink Financial Credit Union? Yes No ## Work at Ithink Financial 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 Ithink Financial Credit Union ranks against Florida peers. - See which AI assistants fetched Ithink Financial Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Florida - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=ithink-financial&state=florida&code=FL&name=Ithink%20Financial%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Ithink Financial Credit Union offer? Ithink Financial Credit Union currently offers vehicle loan, and personal loan rates. The rates shown on this page were last verified November 13, 2026 directly from the credit union's official website. ### How often are Ithink Financial Credit Union rates updated? RateAPI verifies Ithink Financial Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 13, 2026. ### Where does RateAPI get Ithink Financial Credit Union's rate data? Rate data is collected directly from Ithink Financial Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What are Ithink Financial Credit Union's auto, rv, boat, motorcycle & powersports loan rates? As of November 13, 2026, Ithink Financial Credit Union offers vehicle loans from 5.74% APR. ### Who can join Ithink Financial Credit Union? Ithink Financial Credit Union publishes its membership criteria on its own website. RateAPI tracks 67 published membership paths covering 66 counties for Ithink Financial Credit Union, each quoted from Ithink Financial Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Ithink Financial Credit Union's rates against national credit-union benchmarks. [More Florida credit unions](https://rateapi.dev/credit-unions/florida) [Florida auto loan rate leaders](https://rateapi.dev/auto-loan-rates/florida) [Florida personal loan leaders](https://rateapi.dev/personal-loan-rates/florida) [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.ithinkfi.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 Ithink Financial Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Florida 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 Ithink Financial Credit Union curl "https://api.rateapi.dev/credit-unions/florida /ithink-financial " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Ithink Financial Credit Union locations Search, filter, and browse all 21 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/florida/ithink-financial Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp