Credit union · NCUA insured
iTHINK Financial Savings Rates
iTHINK Financial’s best savings rate is 0.45% APY on $10,000, with its Money Market Max Account. Rates checked October 15, 2026.
How iTHINK Financial’s savings 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
0.45%APY
- Requires
- None
- Earns on $10,000 a year
- $45
Money Market Max Account
Top rate
JM Associates FCU
5.12%APY
- Requires
- None
- Earns on $10,000 a year
- $512
2nd-highest rate
HSBC USA
4.40%APY
- Requires
- Monthly account activity
- Earns on $10,000 a year
- $440
iTHINK Financial savings score
78
Savings score
Higher than 45% of U.S. banks and credit unions
- $1,000 balance$1,0000.45%
- $10,000 balance$10,0000.45%
- $100,000 balance$100,0001.00%
- QualifiedQualified0.45%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Money Market Max Account
0.45%APY
All iTHINK Financial Memberships and accounts are subject to eligibility, address and identification verification, and qualification. $500 minimum balance is required to avoid a minimum balance fee. Variable rates subject to change after opening. Dividend rate paid based on total balance in account. Fees may reduce earnings.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $10,000$500 minimum balance is required to avoid a minimum balance fee. | 0.45% | — | $500 minimum balance is required to avoid a minimum balance fee. |
| $10,000 – $25,000$500 minimum balance is required to avoid a minimum balance fee. | 0.45% | $45 | $500 minimum balance is required to avoid a minimum balance fee. |
| $25,000 – $50,000$500 minimum balance is required to avoid a minimum balance fee. | 0.50% | — | $500 minimum balance is required to avoid a minimum balance fee. |
| $50,000 – $100,000$500 minimum balance is required to avoid a minimum balance fee. | 0.60% | — | $500 minimum balance is required to avoid a minimum balance fee. |
| $100,000 – $250,000$500 minimum balance is required to avoid a minimum balance fee. | 1.00% | — | $500 minimum balance is required to avoid a minimum balance fee. |
| $250,000 and up$500 minimum balance is required to avoid a minimum balance fee. | 1.45% | — | $500 minimum balance is required to avoid a minimum balance fee. |
Sources (1)
- ithinkfi.org/personal/banking/…ngs/money-market-account · captured Sep 18, 2026
Membership Savings Account
0.10%APY
Opened when you join iTHINK Financial. $300 average monthly balance in all share accounts required to avoid fee for Basic Members. Compounded interest.
| BalanceRequirement | APY | Minimum | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|---|
| Any balanceNo minimum balance required to earn compounded interest. Dividend rate 0.10%, APY 0.10%.Any balance · $5 to open | 0.10% | $5 | $10 | No minimum balance required to earn compounded interest. Dividend rate 0.10%, APY 0.10%. |
| Any balancePersonal Savings rate schedule.Any balance · Unknown to open | 0.10% | Unknown | $10 | Personal Savings rate schedule. |
Sources (2)
All captured Oct 5, 2026
Special-purpose accounts
Health Savings Account (HSA)
5.10%APY on $10,000
Requires qualification under a high deductible health insurance plan. True tiered account where dividend rate is paid based on the appropriate dollars in that level. No setup, maintenance, or closing fees stated. No annual fees.
| Part of the balance | Rate on that part |
|---|---|
| Up to $10,000 | 2.52% |
| Up to $10,000 | 2.52% |
| $10,000 and up | 2.76% |
| $10,000 and up | 2.76% |
On $10,000 the tiers blend to about 5.10% APY, earning $510 a year.
Sources (2)
All captured Oct 5, 2026
IRA Investment Account
0.10%APY
Includes Traditional, Roth, and Education share accounts. No setup, maintenance, closing fees, or annual fees. $100 minimum investment stated on rate schedules ($1,000 opening balance note on IRA resources page).
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceApplies to Traditional Share Accounts. Minimum investment $100.Any balance | 0.10% | $10 | Applies to Traditional Share Accounts. Minimum investment $100. |
Sources (2)
All captured Oct 5, 2026
Who can join iTHINK Financial
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.