Credit union · NCUA insured
iTHINK Financial CD Rates
iTHINK Financial’s best CD rate is 3.75% APY on a 10-month share certificate (CD). Terms run from 3 months to 7 years. Rates checked October 15, 2026.
How iTHINK Financial’s CD rates compare
Compared with banks and credit unions near Miami, FL, where iTHINK Financial has the most branches. $10,000, best rate first.
This credit union’s best
iTHINK Financial
3.75%APY
- Term
- 10 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $312
Certificate Accounts
Top rate
Dort Financial Credit Union
5.00%APY
- Term
- 11 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $457
2nd-highest rate
BrightStar Credit Union
5.00%APY
- Term
- 60 months
- Requires
- Another account
- Minimum
- —
- Earns on $10,000
- $2,763
iTHINK Financial CD score
76
CD score
Higher than 40% of U.S. banks and credit unions
- 3–8 months3–8 mo1.95%
- 9–15 months9–15 mo3.75%
- 16–30 months16–30 mo3.55%
- 31–60 months31–60 mo3.10%
- QualifiedQualified3.75%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where iTHINK Financial ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Certificate Accounts
Up to 3.75%APY · 10 terms
Early withdrawal penalties may apply. Flexible dividend payment options. Minimum investment $1,000.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 1.95% | $48 |
| 10 monthsPromotional certificate rate also effective Sep 1, 2026 | 3.75% | $312 |
| 12 months | 2.20% | $220 |
| 19 monthsPromotional certificate rate also effective Sep 1, 2026 | 3.55% | $568 |
| 21 months | 3.55% | $629 |
| 24 months | 2.35% | $476 |
| 36 months | 2.85% | $880 |
| 48 months | 3.00% | $1,255 |
| 60 months | 3.10% | $1,649 |
| 84 months | 3.20% | $2,467 |
Sources (2)
All captured Sep 18, 2026
Special Certificate Account
Up to 3.75%APY · 10 terms
Minimum investment $25,000 for premium yields. Early withdrawal penalties may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 2.05% | $51 |
| 6 months | 2.15% | $107 |
| 10 months | 3.75% | $312 |
| 12 months | 2.30% | $230 |
| 19 months | 3.55% | $568 |
| 24 months | 2.45% | $496 |
| 36 months | 2.95% | $911 |
| 48 months | 3.10% | $1,299 |
| 60 months | 3.20% | $1,706 |
| 84 months | 3.30% | $2,552 |
Sources (1)
- ithinkfi.org/personal/banking/…ings/saving-certificates · captured Sep 18, 2026
Special-purpose accounts
IRA Certificates
Up to 4.25%APY · 12 terms
Available for Traditional, Roth, and Educational IRAs. No setup, maintenance, closing, or annual fees. Early withdrawal penalties may apply. Minimum investment $1,000. Terms from 9 to 84 months.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsAvailable for Pick Your Term IRA/IRA Roth Certificate. Promotional certificates that automatically renew will earn the applicable standard rate | 4.25% | $105 |
| 6 monthsAvailable for Pick Your Term IRA/IRA Roth Certificate. Promotional certificates that automatically renew will earn the applicable standard rate | 4.25% | $210 |
| 9 monthsAvailable for Pick Your Term IRA/IRA Roth Certificate. Promotional certificates that automatically renew will earn the applicable standard rate | 4.25% | $317 |
| 10 monthsAvailable for Roth, Traditional, and Educational IRAs | 3.75% | $312 |
| 12 monthsAvailable for Pick Your Term IRA/IRA Roth Certificate. Promotional certificates that automatically renew will earn the applicable standard rate | 4.25% | $425 |
| 12 monthsAvailable for Roth, Traditional, and Educational IRAs | 2.20% | $220 |
| 19 monthsAvailable for Roth, Traditional, and Educational IRAs | 3.55% | $568 |
| 24 monthsAvailable for Roth, Traditional, and Educational IRAs | 2.35% | $476 |
| 31 monthsAvailable for 31-Month IRA/IRA Roth Certificate. Promotional certificates that automatically renew will earn the applicable standard rate | 3.75% | $998 |
| 36 monthsAvailable for Roth, Traditional, and Educational IRAs | 2.85% | $880 |
| 48 monthsAvailable for Roth, Traditional, and Educational IRAs | 3.00% | $1,255 |
| 60 monthsAvailable for Roth, Traditional, and Educational IRAs | 3.10% | $1,649 |
| 84 monthsAvailable for Roth, Traditional, and Educational IRAs | 3.20% | $2,467 |
Sources (2)
All captured Oct 5, 2026
Health Savings Account (HSA) Certificates
2.05%APY · 1 term
Minimum investment $500. Early withdrawal penalties may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 2.05% | $102 |
Sources (1)
- ithinkfi.org/personal/banking/…ings/saving-certificates · captured Sep 18, 2026
Who can join iTHINK Financial
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