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Credit union · NCUA insured

Thinkwise Credit Union CD Rates

Top Carrot, Carrot Score 95Top Carrot

Thinkwise Credit Union’s best CD rate is 3.50% APY on a 3-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.

How Thinkwise Credit Union’s CD rates compare

Compared with banks and credit unions near Riverside, CA, where Thinkwise Credit Union has the most branches. $10,000, best rate first.

  • Top Carrot, Carrot Score 95

    This credit union’s best

    Thinkwise Credit Union

    3.50%APY

    Term
    3 months
    Minimum
    $500
    Earns on $10,000
    $86

    Term Share Certificate

  • Top Carrot, Carrot Score 99

    Top rate

    America First Credit Union

    4.60%APY

    Term
    60 months
    Minimum
    $500
    Earns on $10,000
    $2,522

    America First Credit Union rates

  • Top Carrot, Carrot Score 95

    2nd-highest rate

    CU SoCal

    4.50%APY

    Term
    24 months
    Minimum
    $500
    Earns on $10,000
    $920

    CU SoCal rates

Compare CD rates near you →

Thinkwise Credit Union CD score

74

CD score

Higher than 37% of U.S. banks and credit unions

By term
  • 3–8 months3–8 mo3.50%
  • 9–15 months9–15 mo3.00%
  • 16–30 months16–30 mo2.75%
  • 31–60 months31–60 mo3.50%
  • QualifiedQualified3.50%

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.

How the score works →

Where Thinkwise Credit Union 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.

Who can join Thinkwise Credit Union

This may be incomplete or out of date, so check with the credit union before you apply.

Employers and groups

  • Businesses qualify automatically for membership if the legal or majority owner is an existing TWCU member, the business operates in a permissible industry category, and is headquartered or primarily conducts business in Orange, Riverside, or San Bernardino Counties.
  • Businesses qualify under Field-of-Membership qualification if they are located or primarily operate within the three-county service area and demonstrably support the educational sector.

Military, government and schools

  • Active educational employees whose primary worksite is an educational institution within Orange, Riverside, and San Bernardino Counties are eligible for individual membership.
  • Retirees, pensioners, and annuitants who have retired from any eligible educational occupation within the three-county area are eligible for membership.
  • Volunteers directly supporting educational institutions in the service area, including PTA/PTO officers, booster-club leaders, and board members, are eligible for membership.

Family and household

  • Immediate family members (spouses/domestic partners, parents, children, siblings, grandparents, grandchildren) and household members of current or eligible members are eligible for membership.

Membership information collected October 5, 2026.

Check membership requirements ↗Branches and institution details
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