Think Mutual Bank is an American mutual bank based out of Rochester, Minnesota. It has 10 full locations across Minnesota, as well as nine ATM locations without banks. It was founded in 1961 as the IBM Rochester Employees Credit Union. In 2003, IBM Rochester Employees Credit Union became Think Federal Credit Union , and in 2007, it became Think Mutual Bank, and gave services to everyone, not just people who worked for IBM. It has locations in the Rochester and Twin Cities areas.