Thrive Federal Credit Union

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A short history of Thrive FCU

Since its inception in 1940 the Thrive Federal Credit Union has been serving its members in the MUNCIE, Indiana area with exceptional financial products. You can find their current interest rates on used car loans, new car loans, 1st mortgage loans and interest rates on both fixed and adjustable mortgages here on these pages. Currently led by Brett Rinker, the Thrive FCU has grown its membership to over 5,801 with assets of more than $53,143,002. They have a main office and 3 branch offices. Please see the credit unions website or contact them by phone at (765) 284-1015 or email them at to get exact details . There are many other credit unions in the local area. See them all here. Credit Unions in MUNCIE, IN.

General Information For Thrive FCU was taken from their 6/30/2017 quarterly report, which is the most current available public information.

Charter Number 3631
Address 4501 S DELAWARE DR 
State Indiana 
Zip-Code 47302
Phone Number (765) 284-1015
Fax Number (765) 284-2542
Email Address:
CEO/President Brett Rinker
Members 5,801 
Full-Time Employees 19 
Part-Time Employees
Number of Branch Offices
Total Assets 53,143,002 

Compare Thrive Federal Credit Union To Other Local Credit Unions

Credit Union Name
Branch Name
Zip Code
Phone Number
ATM Access
Distance (Miles)
Muncie Post Office CU MUNCIE POST OFFICE CREDIT UNION 501 W Memorial Dr 47307 (765) 282-1309 No 3.63
First County CU Main Office-1100 W 11th St 1100 W 11th St 47302 (765) 284-3471 No 3.87
Munseetown Community CU Main Office 1805 N Elm St 47303 (765) 282-2236 No 5.72
Ball State CU Corporate Office 2900 N Oakwood Ave 47308 (765) 741-2728 No 6.52
Primetrust Financial CU PrimeTrust Financial FCU 3230 S Madison St 47302 (765) 289-2148 No 7.06

Thrive Federal Credit Union Financial Performance Charts

Performance Charts

Website Image

Financial Data

Thrive Federal Credit Union Lowest Loan Rates With State and USA Rankings

Unsecured Credit Card New Car Loans Used Car Loans 1st Mortgage Loans Other Real Estate
Rate 11.90 3.24 3.74 4.13 5.00
Mean Rate For All USA Based Credit Unions 10.56 3.72 5.00 4.48 4.95
Rank Among All USA Credit Unions 406 173 174 159 229
Rank Among All Indiana Credit Unions 45 31 26 25 33

Thrive Federal Credit Union Highest Deposit Rates With State and USA Rankings

Checking Regular Savings Money Market Certificates of Deposits IRA/KEOGH
Rate 0.10 0.10 0.20 0.40 0.15
Mean Rate For All USA Based Credit Unions 0.19 0.26 0.29 0.73 0.66
Rank Among All USA Credit Unions 116 129 114 284 276
Rank Among All Indiana Credit Unions 15 26 21 47 49
Thrive Federal Credit Union Loans and Leases

Interest Rate Number of Loans Amount
Unsecured Credit Card Loans 11.9001,1801,539,314
All Other Unsecured Loans/Lines of Credit 10.0005501,283,139
Short-Term, Small Amount Loans (STS) (Federal CU Only) 0.00000
Non-Federally Guaranteed Student Loans 0.00000
New Vehicle Loans 3.2401412,644,197
Used Vehicle Loans 3.7408328,218,333
Total 1st Mortgage Real Estate Loans/Lines of Credit 4.1301126,108,141
Total Other Real Estate Loans/Lines of Credit 5.00039510,225,320
Leases Receivable 0.00000
Total All Other Loans/Lines of Credit 10.0002182,640,065
TOTAL LOANS & LEASES 3,42832,658,509

Thrive Federal Credit Union Real Estate Loans and Lines of Credit


No. of Loans Outstanding Amt of Loans Outstanding No. of Loans Granted Year- to-Date Amount Granted Year-To-Date
Fixed Rate
    a. > 15 years 362,807,5211238,335
    b. 15 Years or less 431,576,4505502,725
    a. > 15 years 0000
    b. 15 Years or less 291,591,54100
Other Fixed Rate 0000
Adjustable Rate 1 yr or less 0000
Adjustable Rate > 1 yr 4132,62900


Closed-End Fixed Rate 1795,767,60817760,650
Closed-End Adjustable Rate 27382,95700
Open-End Adjustable Rate 1894,074,755115,000
Open-End Fixed Rate 0000
TOTALS 50716,333,461241,516,710


Interest Only & Payment Option 1st Mortgage Loans 000
Interest Only & Payment Option Other RE/LOC Loans 000
    a. Federally Insured Home Equity Conversion Mortgage (HECM) 0000
    b. Proprietary Reverse Mortgage Products 0000

Thrive Federal Credit Union Member Offerings
First Time Homebuyer Program No
Real Estate Loans Yes
Pay Day Lending No
Share Secured Credit Cards Yes
Overdraft Protection/Courtesy Pay Yes
Overdraft Lines of Credit No
ATM/Debit Card Program Yes
Interest Only and Payment Option 1st Mortgage Loans No
Check Cashing Yes
Money Orders Yes
No Surcharge ATMs Yes
Home Banking Via Internet Website Yes