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Overview / Commentary
4501 S Delaware Dr
Muncie, IN 47302

Thrive Federal Credit Union is headquartered in Muncie and is the 62nd largest credit union in the state of Indiana. It is also the 2,292nd largest credit union in the nation. It was established in 1940 and as of September of 2016, it had grown to 17 employees and 5,710 members at 3 locations. Thrive Federal Credit Union has a B health rating.

Field of Membership Restrictions

Membership is open to those who live, work, worship or attend school in Delaware County.
See current membership details


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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Thrive Federal Credit Union has a relatively low asset base.

Health Grade Components

NCUA #3631
Year Chartered1940
Primary Regulator
Profit Margin
Return on Assets - YTD0.23%
Return on Equity - YTD2.15%
Annual Interest Income$1.3MM
Assets and Liabilities
AssetsQ3 2016vs Q3 2015$51.2MM$48.8MM
LoansQ3 2016vs Q3 2015$31.7MM$30.4MM
DepositsQ3 2016vs Q3 2015$45.7MM$43.2MM
Equity CapitalQ3 2016vs Q3 2015$5.3MM$5.4MM
Loan Loss AllowanceQ3 2016vs Q3 2015$174.00K$220.00K
Unbacked Noncurrent LoansQ3 2016vs Q3 2015$653.00K$401.00K
Real Estate OwnedQ3 2016vs Q3 2015$42.00K$72.00K
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Thrive Federal Credit Union Savings Account Rates

0.15%--IRA Savings
0.10%--Share Savings
0.10%--Special Savings Club
0.10%--Christmas Club

Thrive Federal Credit Union Money Market Rates

0.30%*$100k*-Premier Money Market Account
OTHER TIERS: 0.15% $2,500 - $25k | 0.20% $25k - $50k | 0.25% $50k - $100k

Thrive Federal Credit Union Checking Account Rates

0.10%$1k-Elite Checking Account

Thrive Federal Credit Union CD Rates

1.86%$2,500-50 Month CD Special w/ Checking
1.76%--60 Month CD
1.61%$2,500-50 Month CD Special
1.51%--48 Month CD
1.26%$2,500-28 Month CD Special w/ Checking
1.16%--36 Month CD
1.11%$2,500-28 Month CD Special
1.00%$2,500-16 Month CD Special w/ Checking
0.75%$2,500-16 Month CD Special
0.65%--24 Month CD
0.25%--12 Month CD
0.20%*$10k*-6 Month CD
OTHER TIERS: 0.15% Up to $10k
0.12%--3 Month CD

Thrive Federal Credit Union IRA Rates

1.76%--60 Month IRA
1.51%--48 Month IRA
1.16%--36 Month IRA
0.65%--24 Month IRA
0.25%--12 Month IRA
0.20%*$10k*-6 Month IRA
OTHER TIERS: 0.15% Up to $10k

Thrive Federal Credit Union Locations
Branch Office2610 N Wheeling AveMuncie, IN 47303
Branch Office4501 S Delaware DrMuncie, IN 47302-9405
Branch Office3360 N Morrison RdMuncie, IN 47304-5542