ithinkfi Pricing
Every fee and rate in one place: $0 monthly checking, loans from 5.49% APR, and a printed fee schedule with no surprises.
The Real Cost of Credit Union: Pricing
- Ithinkfi checking and savings accounts carry $0 monthly maintenance fees.
- Personal loan rates start at 8.99% APR; auto loans from 5.49% APR.
- Wire transfers cost $15 domestic and $35 international, below the national average of $28 and $46.
- The full fee schedule fits on one page, with no fee exceeding $35.
Account pricing
Every ithinkfi checking and savings account is free of monthly maintenance fees, minimum balance requirements, and overdraft transfer fees for the first transfer each month.
The credit union earns from loans and interchange, not from member penalties, so the account fee table is short.
| Account | Monthly fee | Minimum balance | Opening deposit |
|---|---|---|---|
| Checking | $0 | $0 | $0 |
| Savings | $0 | $5 | $5 |
| Money Market | $0 | $2,500 (for APY boost) | $25 |
| Business Checking | $0 | $0 | $100 |
Loan pricing
Loan rates run from 5.49% APR on new auto loans to 17.99% APR on unsecured personal loans.
Rate sheets refresh monthly and are published in every branch. Members with direct deposit and a checking account receive a 0.25% rate discount on most loans, applied at closing.
The complete fee schedule
No ithinkfi fee exceeds $35, and the most common services cost $0.
| Service | Fee | Industry average |
|---|---|---|
| Overdraft (per item, max 1/day) | $25 | $34 |
| Domestic wire | $15 | $28 |
| International wire | $35 | $46 |
| Stop payment | $20 | $32 |
| Replacement debit card | $5 | $10 |
| Account statements | $0 | varies |
What this pricing does not cover
These rates do NOT cover mortgages or SBA loans, which are priced individually by loan officers.
Mortgage pricing depends on the secondary market and changes daily, so a published rate would be misleading. Third-party services like credit monitoring also carry their own fees set by the vendor, not by ithinkfi.
How we kept fees low
Ithinkfi returns surplus earnings to members instead of shareholders, which is why fee revenue made up just 4% of income in 2024.
Initially we matched competitor fee tables in our 2015 pricing review but found member attrition concentrated in fee-paying accounts, so we cut the list to its current form. The data does not cover pre-2015 fee income, which was not tracked in the current system.
I compared the fee schedule against my old bank and switched the same week. The math was that simple.
No monthly fee means our three business accounts save $864 a year before we even look at rates.
Does ithinkfi charge a monthly fee for checking?
No, ithinkfi checking accounts have no monthly maintenance fee and no minimum balance requirement.
What does a domestic wire transfer cost?
Domestic wires cost $15, and international wires cost $35.
Are there fees for using ATMs?
No, members use over 30,000 surcharge-free ATMs in the network, and out-of-network fees are refunded up to $10 per month.
What is the overdraft fee?
The overdraft fee is $25 per item with a maximum of one fee per day.
Do loan rates change after closing?
No, fixed-rate loans keep the same rate for the life of the loan; variable-rate products are disclosed separately.
Estimating your total cost
- List the accounts you need
Start with checking and savings, then add business or specialized accounts.
- Add the services you use
Wires, stop payments, and rush bill pay are the main paid items.
- Compare against your current bank
Stack our one-page fee schedule against last year's statement.
- Apply in one sitting
Most members open accounts in under 10 minutes.
Fee revenue share
Fee revenue contributed just 4% of ithinkfi income in 2024. The average US bank earns roughly 12% of income from fees.
That gap is the direct result of a not-for-profit structure that returns earnings to members.
See how much you save
Switch to accounts where the fee schedule fits one page.
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.