Credit union · NCUA insured
Thinkwise Credit Union Savings Rates
Top CarrotThinkwise Credit Union’s best savings rate is 0.20% APY on $10,000, with its Honors Money Market. Rates checked October 16, 2026.
How Thinkwise Credit Union’s savings rates compare
Compared with banks and credit unions near Riverside, CA, where Thinkwise Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Thinkwise Credit Union
0.20%APY
- Minimum
- —
- Earns on $10,000 a year
- $20
Honors Money Market
Top rate
EverBank
4.20%APY
- Minimum
- $0
- Earns on $10,000 a year
- $420
2nd-highest rate
Flagstar Bank
4.00%APY
- Minimum
- $1
- Earns on $10,000 a year
- $400
Thinkwise Credit Union savings score
68
Savings score
Higher than 21% of U.S. banks and credit unions
- $1,000 balance$1,0000.00%
- $10,000 balance$10,0000.20%
- $100,000 balance$100,0000.45%
- QualifiedQualified0.20%
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 Thinkwise Credit Union 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.
Honors Money Market
0.20%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $2,500 | 0.00% | — |
| $2,500 – $10,000 | 0.15% | — |
| $10,000 – $50,000 | 0.20% | $20 |
| $50,000 – $100,000 | 0.30% | — |
| $100,000 – $250,000 | 0.45% | — |
| $250,000 and up | 0.55% | — |
Special-purpose accounts
Christmas Club
0.32%APY on $10,000
Tiered rate account; the specified dividend rate for a tier applies only to the portion of the account balance within that tier. Entire balance is paid by check or transferred to another account on or after October 31 and the account remains open. Early withdrawal before end of club term assesses a fee.
| Part of the balance | Rate on that part |
|---|---|
| Up to $2,000 | 1.00% |
| Over $2,000 | 0.15% |
On $10,000 the tiers blend to about 0.32% APY, earning $32 a year.
Generation Thinkwise Youth Savings
0.10%APY
Savings account designed for kids and teens. Custodian on account assumes all responsibility for debit transactions. No monthly service fees.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,500Tier rate applies to entire balance in the account. Minimum balance to earn APY is $25. Dividends compounded daily, credited quarterly. | 0.00% | — | Tier rate applies to entire balance in the account. Minimum balance to earn APY is $25. Dividends compounded daily, credited quarterly. |
| $2,501 – $5,000Tier rate applies to entire balance in the account. Minimum balance to earn APY is $25. Dividends compounded daily, credited quarterly. | 0.05% | — | Tier rate applies to entire balance in the account. Minimum balance to earn APY is $25. Dividends compounded daily, credited quarterly. |
| $5,001 and upTier rate applies to entire balance in the account. Minimum balance to earn APY is $25. Dividends compounded daily, credited quarterly. | 0.10% | $10 | Tier rate applies to entire balance in the account. Minimum balance to earn APY is $25. Dividends compounded daily, credited quarterly. |
IRA Savings Deposit
0.10%APY
Available as Traditional and Roth IRA savings.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upApplies to Traditional & Roth IRAs. Minimum balance to earn APY is $5. Dividends compounded daily, credited quarterly.$5 and up | 0.10% | $10 | Applies to Traditional & Roth IRAs. Minimum balance to earn APY is $5. Dividends compounded daily, credited quarterly. |
Sources (1)
- thinkwisecu.org/savings-rates · captured Oct 16, 2026
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.