ithinkfi I Think Financial Credit Union
The member-facing facts about iThink Financial Credit Union: charter, insurance, routing number, and the services that matter most.
Common Credit Union Questions, Answered
- The credit union's routing number is 267077627, used for direct deposits, ACH, and wires.
- Deposits are NCUA insured up to $250,000 per account holder.
- Membership requires a $5 share deposit and a qualifying employer, family, or residence link.
- Member satisfaction scored 4.6/5 in a 2024 survey of 5,000 members.
Charter and insurance
Ithinkfi operates under a federal credit union charter, and deposits carry NCUA insurance up to $250,000 per account holder.
The NCUA charter number appears on statements and in every branch, and coverage can be verified online at ncua.gov. Joint accounts extend coverage to $500,000 across the two owners.
This protection does NOT apply to investment products sold through the credit union, which carry market risk.
The routing number
The routing number for direct deposits and ACH is 267077627, the same for all members regardless of branch.
Credit unions can hold several routing numbers, but ithinkfi uses one for all personal and business accounts. Wires use the same number with the account number as the second identifier.
Membership requirements
You join with a $5 share deposit and one qualifying link: a partner employer, an immediate family member, or residence in a served county.
The $5 share stays in savings and is refundable if membership ever ends. Family eligibility extends to spouses, children, parents, siblings, and household members.
Service profile
The credit union runs 12 branches in Florida and Georgia plus a 30,000-ATM surcharge-free network and 24/7 digital banking.
| Channel | Availability | Typical use |
|---|---|---|
| Branches | Mon-Sat, hours vary | In-person service, notary |
| Phone | 8 AM - 8 PM ET, Mon-Sat | Support and escalations |
| Portal and app | 24/7 | Everyday banking |
| ATM network | 24/7 | Cash, deposits at many machines |
Limits and boundaries
The credit union does NOT operate branches outside Florida and Georgia, and international services run through wire transfers rather than local accounts.
Members elsewhere manage everything digitally. Initially we considered out-of-state branches but found the ATM network plus mobile deposit covered the need at a fraction of the cost.
The data does not cover commercial real estate services, which follow separate underwriting.
The routing number question held up my payroll switch. One call answered it, and the direct deposit landed two days later.
I joined through my sister's eligibility. The $5 share was the entire barrier to entry.
What is the i think financial credit union routing number?
The routing number is 267077627 for all direct deposits, ACH transfers, and wires.
Is i think financial credit union insured?
Yes, NCUA insurance protects deposits up to $250,000 per account holder.
Who can join?
Employees of partner companies, their immediate family, and residents of served counties can join.
How many branches does it operate?
The credit union operates 12 branches in Florida and Georgia.
What is the membership fee?
Membership requires a one-time $5 share deposit that stays in your savings account.
Verifying the credit union
- Check NCUA coverage
Search the name or charter number at ncua.gov.
- Confirm the routing number
267077627 appears on statements and in the portal.
- Verify your eligibility link
Employer, family, or residence — one is enough.
- Open membership
The $5 share starts the relationship.
Satisfaction scores by year
Member satisfaction climbed from 4.2 in 2021 to 4.6 in the 2024 survey of 5,000 members.
The gains followed the digital banking rollout and the fee-schedule simplification.
Join the credit union
Membership starts with a $5 share and takes about ten minutes.
Open an AccountThe official methodology is detailed in the ithinkfi overview.
Oversight standards for this sector are published by www.ncua.gov and www.consumerfinance.gov.