Overview / Commentary
4501 S Delaware Dr
Muncie, IN 47302

Thrive Credit Union is headquartered in Muncie and is the 58th largest credit union in the state of Indiana. It is also the 2,231st largest credit union in the nation. It was established in 1940 and as of December of 2018, it had grown to 20 employees and 6,122 members at 3 locations. Thrive Credit Union's money market rates are 2X the national average, and it 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 Credit Union has a relatively low asset base.

Health Grade Components

NCUA #3631
Year Chartered1940
Primary Regulator
Profit Margin
Return on Assets - YTD0.44%
Return on Equity - YTD4.53%
Annual Interest Income$2.2MM
Assets and Liabilities
AssetsQ4 2018vs Q4 2017$54.9MM$53.5MM
LoansQ4 2018vs Q4 2017$35.5MM$33.9MM
DepositsQ4 2018vs Q4 2017$49.3MM$47.6MM
Equity CapitalQ4 2018vs Q4 2017$5.4MM$5.5MM
Loan Loss AllowanceQ4 2018vs Q4 2017$153.00K$160.00K
Unbacked Noncurrent LoansQ4 2018vs Q4 2017$172.00K$190.00K
Real Estate OwnedQ4 2018vs Q4 2017$0$28.00K
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Thrive Credit Union Savings Account Rates

0.60%--IRA Savings
0.10%--Share Savings
0.10%--Special Savings Club
0.10%--Christmas Club

Thrive Credit Union Money Market Rates

1.00%*$100k*-Premier Money Market Account
OTHER TIERS: 0.60% $2.5k - $25k | 0.75% $25k - $50k | 0.90% $50k - $100k

Thrive Credit Union Checking Account Rates

3.00%-$10kUltimate Checking
0.10%$1k-Elite Checking Account

Thrive Credit Union CD Rates

2.68%$2.5k-28 Month CD Special w/ Checking
2.52%$2.5k-16 Month CD Special w/ Checking
2.52%$2.5k-28 Month CD Special
2.37%$2.5k-16 Month CD Special
2.27%$500-60 Month CD
2.02%$500-48 Month CD
1.76%$500-36 Month CD
1.26%$500-24 Month CD
1.00%$500-12 Month CD
0.75%*$10k*-6 Month CD
OTHER TIERS: 0.60% $500 - $10k
0.25%$500-3 Month CD

Thrive Credit Union IRA Rates

2.27%$500-60 Month IRA
2.02%$500-48 Month IRA
1.76%$500-36 Month IRA
1.26%$500-24 Month IRA
1.00%$500-12 Month IRA
0.75%*$10k*-6 Month IRA
OTHER TIERS: 0.60% $500 - $10k

Thrive 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

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