Business Details
50+ Years
experience
Your Trusted Financial Partner in San Bernardino
Founded in 1952, Thinkwise Credit Union began as a small financial cooperative managed by San Bernardino School District employees. Over seven decades, we have grown into a trusted financial institution serving educational communities across Orange, Riverside, and San Bernardino Counties. Our mission centers on empowering members with intelligent financial solutions, offering a full range of services including loans, savings accounts, and credit products tailored to individual and business needs. As a member-owned cooperative, we prioritize democratic principles, financial transparency, and community impact. Our leadership team combines decades of industry expertise with innovative strategies to ensure long-term stability and growth.We maintain rigorous compliance standards and risk management practices to protect member assets. With multiple branch locations and 24/7 digital banking access, we provide convenient, member-centric financial services. Our Supervisory Committee and Board of Directors ensure accountability and ethical governance. Recognized for our commitment to educational institutions and local businesses, we continue to expand our services while honoring our founding values. Today, Thinkwise Credit Union stands as a testament to financial stewardship and community-driven success.
Services
Auto Loans
Credit Cards
Home Loans
Business Checking
Savings Accounts
Certificate of Deposits
Personal Loans
Student Loans
Business Credit Cards
Recreational Loans
Details
- Year established: 1952
Highlights and features
- We have served educational communities since 1952 with tailored financial expertise.
- Our member-owned structure prioritizes client needs over profit motives.
- 24/7 digital banking access ensures convenience for modern financial management.
- We maintain NCUA federal insurance for member savings security.
- Specialized loan programs support educational institutions and local businesses.
Services
Auto Loans
We offer competitive auto loan rates starting at 5.49% APR for new and used vehicles. Our flexible terms accommodate various credit profiles while maintaining affordable monthly payments. Members benefit from personalized financing solutions tailored to their specific automotive needs.
Business Checking
Our business checking accounts provide essential financial tools for local enterprises. Features include low minimum balances, transaction flexibility, and integrated digital banking services. We specialize in supporting educational sector businesses and community-focused organizations.
Savings Accounts
We offer federally insured savings accounts with competitive interest rates. Our savings solutions include standard accounts and certificate of deposit options with varying term lengths to meet different financial goals.
Credit Cards
Our VISA credit card options feature rates starting at 9.99% APR with rewards programs and fraud protection. We provide both personal and business card solutions with customizable spending limits and online account management.
Personal Loans
We offer personal loans with rates starting at 9.25% APR for debt consolidation, home improvements, or emergency expenses. Our streamlined application process ensures quick approval decisions while maintaining competitive terms.
People
Heri Garcia
President/Chief Executive Officer
Heri Garcia leads Thinkwise Credit Union with over 25 years of financial services experience. He focuses on strategic growth initiatives while maintaining our member-first philosophy and community development commitments.
Damian Victoria
Chief of Finance & Lending
Damian Victoria oversees financial operations and lending programs with expertise in risk management and regulatory compliance. He ensures responsible lending practices while expanding accessible credit options for members.
Wendi Sheehy
Chief Operating Officer
Wendi Sheehy manages daily operations and member experience initiatives. Her focus on operational efficiency and digital innovation enhances service delivery across all Thinkwise Credit Union locations and platforms.
Brad McDuffee
Board Chairman
Brad McDuffee chairs the Board of Directors, guiding strategic decisions that align with member interests. He brings extensive governance experience to ensure financial stability and regulatory compliance.
John Guttierez
Supervisory Committee Chairman
John Guttierez leads the Supervisory Committee, maintaining audit integrity and risk management standards. His oversight ensures transparent operations and protection of member assets.
Questions
What membership eligibility requirements apply?
We serve educational employees, retirees, family members, and businesses supporting education in Southern California counties.
What loan rates do you currently offer?
Auto loans start at 5.49% APR, personal loans at 9.25% APR, and business lines of credit at 6.50% APR.
How can I access 24/7 banking services?
Use our Audio Teller system at (909) 882-6471 or online banking for round-the-clock account access.
Do you offer business banking solutions?
Yes, we provide business checking accounts, credit cards, and lines of credit for qualifying organizations.
How are savings insured?
Your savings are federally insured up to $250,000 by the National Credit Union Administration (NCUA).
