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Thrive Federal Credit Union Rates & Review October 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
Expertise
  • Automated Online Rate Data Aggregation
  • Location-Based Rate Tables
  • Bank & Credit Union Health Safety Ratings
  • Bank & Credit Union Star Ratings
  • Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
| iEditorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | Rates Last Updated and Verified: October 12, 2026

Thrive Federal Credit Union's top rates as of October 12, 2026 are 4.16% APY on its Special Rate CDs - 32 month CD, 0.05% APY on savings, 2.52% APY on money market accounts, 3.00% APY on checking, 5.75% on its New Fixed Rate Mortgage - 30 Year Fixed, and personal loans from 8.50% APR, according to rates verified by MonitorBankRates. Other Thrive Federal Credit Union CD rates include 60 month CD at 4.10%, 48 month CD at 4.06%, and Special Rate CDs - 13 month at 4.06%. MonitorBankRates evaluates the financial stability of Thrive Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.88%. Rates last updated and verified on 10/12/2026.

Thrive Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Thrive Federal Credit Union? Share your experience about Thrive Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Thrive Federal Credit Union.

MonitorBankRates Verified Healthy Badge Q2 2026 Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website
Overall Health & Safety Grade ?
A+
Exceptional Health Score: 97/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
5.88%
Excellent Lower than avg
Health Trend ?
Steady 12 quarters
Full history ›
Thrive Federal Credit Union
Main Office
4501 S Delaware Dr
Muncie, IN 47302-9405
https://www.thrivecu.org
Member NCUA
Customer Reviews
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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Thrive Federal Credit Union CD Rates

Product Rate APY Term View More
Special Rate Share Certificates - 32 month 4.10% 4.16% 32 months
Min Deposit $500
Details LIMITED TIME: Special Rate Share Certificate
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 4.16% APY
3.66%4.16%4.66%Oct 12, 2026: 4.16% APYOct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.88%
60 month Share Certificate 4.10% 4.10% 60 Months
No additional details.
Last Updated 10/12/2026
Rate History
1 change since Sep 16, 2026 · 3.50% → 4.10% ▲ 0.60 pts · high 4.10% / low 3.50%
2.90%3.80%4.70%Sep 16, 2026: 3.50% APYSep 25, 2026: 4.10% APYSep 16, 2026Oct 13, 2026
  • Sep 25, 20264.10%▲ from 3.50%
  • Sep 16, 20263.50%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.88%
48 month Share Certificate 4.00% 4.06% 48 Months
No additional details.
Last Updated 10/12/2026
Rate History
1 change since Sep 16, 2026 · 3.50% → 4.06% ▲ 0.56 pts · high 4.06% / low 3.50%
2.94%3.78%4.62%Sep 16, 2026: 3.50% APYSep 25, 2026: 4.06% APYSep 16, 2026Oct 13, 2026
  • Sep 25, 20264.06%▲ from 3.50%
  • Sep 16, 20263.50%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.88%
Special Rate Share Certificates - 13 month 4.00% 4.06% 13 months
Min Deposit $500
Details LIMITED TIME: Special Rate Share Certificate
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 4.06% APY
3.56%4.06%4.56%Oct 12, 2026: 4.06% APYOct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.88%
36 month Share Certificate 3.90% 3.96% 36 Months
No additional details.
Last Updated 10/12/2026
Rate History
1 change since Sep 16, 2026 · 3.40% → 3.96% ▲ 0.56 pts · high 3.96% / low 3.40%
2.84%3.68%4.52%Sep 16, 2026: 3.40% APYSep 25, 2026: 3.96% APYSep 16, 2026Oct 13, 2026
  • Sep 25, 20263.96%▲ from 3.40%
  • Sep 16, 20263.40%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.88%
24 month Share Certificate 3.75% 3.80% 24 Months
No additional details.
Last Updated 10/12/2026
Rate History
1 change since Oct 8, 2026 · 0.25% → 3.80% ▲ 3.55 pts · high 3.80% / low 0.25%
0.00%3.68%7.35%Oct 8, 2026: 0.25% APYOct 12, 2026: 3.80% APYOct 8, 2026Oct 13, 2026
  • Oct 12, 20263.80%▲ from 0.25%
  • Oct 8, 20260.25%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.88%
18 month Share Certificate 3.70% 3.75% 18 Months
No additional details.
Last Updated 10/12/2026
Rate History
1 change since Sep 16, 2026 · 3.40% → 3.75% ▲ 0.35 pts · high 3.75% / low 3.40%
2.90%3.58%4.25%Sep 16, 2026: 3.40% APYSep 25, 2026: 3.75% APYSep 16, 2026Oct 13, 2026
  • Sep 25, 20263.75%▲ from 3.40%
  • Sep 16, 20263.40%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.88%
12 month Share Certificate 3.65% 3.70% 12 Months
No additional details.
Last Updated 10/12/2026
Rate History
1 change since Sep 16, 2026 · 3.40% → 3.70% ▲ 0.30 pts · high 3.70% / low 3.40%
2.90%3.55%4.20%Sep 16, 2026: 3.40% APYSep 25, 2026: 3.70% APYSep 16, 2026Oct 13, 2026
  • Sep 25, 20263.70%▲ from 3.40%
  • Sep 16, 20263.40%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.88%
6 month Share Certificate 3.50% 3.56% 6 Months
Min Balance $10,000
Details Minimum $10,000.00+
Last Updated 10/12/2026
Rate History
1 change since Sep 16, 2026 · 3.25% → 3.56% ▲ 0.31 pts · high 3.56% / low 3.25%
2.75%3.41%4.06%Sep 16, 2026: 3.25% APYSep 25, 2026: 3.56% APYSep 16, 2026Oct 13, 2026
  • Sep 25, 20263.56%▲ from 3.25%
  • Sep 16, 20263.25%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.88%
6 month Share Certificate 3.25% 3.29% 6 Months
No additional details.
Last Updated 10/12/2026
Rate History
1 change since Sep 16, 2026 · 3.25% → 3.29% ▲ 0.04 pts · high 3.29% / low 3.25%
2.75%3.27%3.79%Sep 16, 2026: 3.25% APYSep 25, 2026: 3.29% APYSep 16, 2026Oct 13, 2026
  • Sep 25, 20263.29%▲ from 3.25%
  • Sep 16, 20263.25%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.88%
3 month Share Certificate 2.48% 2.50% 3 Months
No additional details.
Last Updated 10/12/2026
Rate History
No change since Sep 16, 2026 · 2.50% APY · checked 5 times
2.00%2.50%3.00%Sep 16, 2026: 2.50% APYSep 16, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.88%

Thrive Federal Credit Union Savings Rates

Product Rate APY View More
Christmas Club 0.05% 0.05%
Details Club Accounts; Dividends posted monthly
Last Updated 10/12/2026
Rate History
No change since Sep 16, 2026 · 0.05% APY · checked 5 times
0.00%0.28%0.55%Sep 16, 2026: 0.05% APYSep 16, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.88%
Special Savings Club 0.05% 0.05%
Details Club Accounts; Dividends posted monthly
Last Updated 10/12/2026
Rate History
No change since Sep 16, 2026 · 0.05% APY · checked 5 times
0.00%0.28%0.55%Sep 16, 2026: 0.05% APYSep 16, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.88%

Thrive Federal Credit Union Money Market Rates

Product Rate APY View More
Money Market Account 2.50% 2.52%
Min Balance $100,000
Details Balance: $100,000.01 and over; Dividends posted monthly effective 04/06/2023
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 2.52% APY · checked 2 times
2.02%2.52%3.02%Oct 8, 2026: 2.52% APYOct 8, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.88%
Money Market Accounts 2.25% 2.27%
Min Balance $100,000
Details Balance: $100,000.01 and over
Last Updated 10/12/2026
Rate History
No change since Sep 16, 2026 · 2.27% APY · checked 5 times
1.77%2.27%2.77%Sep 16, 2026: 2.27% APYSep 16, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.88%
Money Market Accounts 2.00% 2.02%
Min Balance $50,000
Details Balance: $50,000.01 - $100,000.00
Last Updated 10/12/2026
Rate History
No change since Sep 16, 2026 · 2.02% APY · checked 5 times
1.52%2.02%2.52%Sep 16, 2026: 2.02% APYSep 16, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.88%
Money Market Accounts 1.80% 1.81%
Min Balance $25,000
Details Balance: $25,000.01 - $50,000.00
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 1.81% APY · checked 2 times
1.31%1.81%2.31%Oct 8, 2026: 1.81% APYOct 8, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.88%
Money Market Account 1.75% 1.76%
Min Balance $2,500
Details Balance: $2,500.00 - $25,000.00; Dividends posted monthly effective 04/06/2023
Last Updated 10/12/2026
Rate History
1 change since Oct 8, 2026 · 2.52% → 1.76% ▼ 0.76 pts · high 2.52% / low 1.76%
1.00%2.14%3.28%Oct 8, 2026: 2.52% APYOct 12, 2026: 1.76% APYOct 8, 2026Oct 13, 2026
  • Oct 12, 20261.76%▼ from 2.52%
  • Oct 8, 20262.52%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.88%
Money Market Accounts 1.65% 1.66%
Min Balance $2,500
Details Balance: $2,500.00 - $25,000.00
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 1.66% APY · checked 2 times
1.16%1.66%2.16%Oct 8, 2026: 1.66% APYOct 8, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.88%

Thrive Federal Credit Union Checking Rates

Product Rate APY View More
Ultimate Checking 3.00% 3.00%
Min Balance $0
Details Balance: $0.00 - $15,000.00
Last Updated 10/12/2026
Rate History
No change since Sep 16, 2026 · 3.00% APY · checked 4 times
2.50%3.00%3.50%Sep 16, 2026: 3.00% APYSep 16, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.88%
Ultimate Checking - 3.00%
Min Deposit $20
Details Qualifications Required; Earn 3.0% APY per month on balances up to $15,000; Rate is subject to change at any time at the discretion of the board of directors
Last Updated 10/12/2026
Rate History
No change since Oct 4, 2026 · 3.00% APY · checked 3 times
2.50%3.00%3.50%Oct 4, 2026: 3.00% APYOct 4, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.88%
Elite Checking Account 0.05% 0.05%
Min Balance $1,000
Details Balance: $1,000.00 and over
Last Updated 10/12/2026
Rate History
1 change since Oct 4, 2026 · 0.50% → 0.05% ▼ 0.45 pts · high 0.50% / low 0.05%
0.00%0.50%1.00%Oct 4, 2026: 0.50% APYOct 12, 2026: 0.05% APYOct 4, 2026Oct 13, 2026
  • Oct 12, 20260.05%▼ from 0.50%
  • Oct 4, 20260.50%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.88%

Thrive Federal Credit Union Mortgage Rates

Product Rate Points APR Term View More
New Fixed Rate Mortgage - 30 Year Fixed 5.75% - 5.848% 30 Year
Details New Fixed Rate Mortgage!
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 5.85% APR
5.35%5.85%6.35%Oct 12, 2026: 5.85% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.88%

Thrive Federal Credit Union Home Equity & HELOC

Product Rate Points APR Term View More
Home Equity HE - Fixed Rate - - 6.75% 5 Year
Details As Low As; LTV: <70%
Last Updated 10/12/2026
Rate History
1 change since Sep 16, 2026 · 6.25% → 6.75% ▲ 0.50 pts · high 6.75% / low 6.25%
5.75%6.50%7.25%Sep 16, 2026: 6.25% APROct 12, 2026: 6.75% APRSep 16, 2026Oct 13, 2026
  • Oct 12, 20266.75%▲ from 6.25%
  • Sep 16, 20266.25%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.88%
Home Equity HE - Fixed Rate - - 7.00% 10 Year
Details As Low As; LTV: <70%
Last Updated 10/12/2026
Rate History
1 change since Sep 16, 2026 · 6.50% → 7.00% ▲ 0.50 pts · high 7.00% / low 6.50%
6.00%6.75%7.50%Sep 16, 2026: 6.50% APROct 12, 2026: 7.00% APRSep 16, 2026Oct 13, 2026
  • Oct 12, 20267.00%▲ from 6.50%
  • Sep 16, 20266.50%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.88%
Home Equity HE - Fixed Rate - - 7.00% 15 Year
Details As Low As; LTV: <70%
Last Updated 10/12/2026
Rate History
1 change since Sep 16, 2026 · 6.75% → 7.00% ▲ 0.25 pts · high 7.00% / low 6.75%
6.25%6.88%7.50%Sep 16, 2026: 6.75% APROct 12, 2026: 7.00% APRSep 16, 2026Oct 13, 2026
  • Oct 12, 20267.00%▲ from 6.75%
  • Sep 16, 20266.75%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.88%
Home Equity HE - Fixed Rate - - 7.00% 5 Year
Details As Low As; LTV: 71-90%
Last Updated 10/12/2026
Rate History
1 change since Sep 16, 2026 · 6.25% → 7.00% ▲ 0.75 pts · high 7.00% / low 6.25%
5.50%6.63%7.75%Sep 16, 2026: 6.25% APROct 12, 2026: 7.00% APRSep 16, 2026Oct 13, 2026
  • Oct 12, 20267.00%▲ from 6.25%
  • Sep 16, 20266.25%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.88%
Home Equity Line of Credit - - 7.00% 20 years
Details As Low As; Variable - Adjusts Monthly
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 7.00% APR
6.50%7.00%7.50%Oct 12, 2026: 7.00% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.88%
Home Equity HE - Fixed Rate - - 7.25% 10 Year
Details As Low As; LTV: 71-90%
Last Updated 10/12/2026
Rate History
1 change since Sep 16, 2026 · 6.50% → 7.25% ▲ 0.75 pts · high 7.25% / low 6.50%
5.75%6.88%8.00%Sep 16, 2026: 6.50% APROct 12, 2026: 7.25% APRSep 16, 2026Oct 13, 2026
  • Oct 12, 20267.25%▲ from 6.50%
  • Sep 16, 20266.50%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.88%
Home Equity HE - Fixed Rate - - 7.25% 15 Year
Details As Low As; LTV: 71-90%
Last Updated 10/12/2026
Rate History
1 change since Sep 16, 2026 · 6.75% → 7.25% ▲ 0.50 pts · high 7.25% / low 6.75%
6.25%7.00%7.75%Sep 16, 2026: 6.75% APROct 12, 2026: 7.25% APRSep 16, 2026Oct 13, 2026
  • Oct 12, 20267.25%▲ from 6.75%
  • Sep 16, 20266.75%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.88%
Home Equity Line of Credit (HELOC) - - 7.50% 20 years
Details As Low As; Variable - Adjusts Monthly; Add 2.00% on Rentals; Loans up to 90% Loan to Value
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 7.50% APR
7.00%7.50%8.00%Oct 12, 2026: 7.50% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.88%

Thrive Federal Credit Union Auto Loan Rates

Product Rate Points APR Term View More
Auto Loan - New/Used 2026-2025 - - 4.99% 36 Months
Details As Low As; Model Year: New/Used 2026-2025; Rates include 0.25% deduction for direct deposit
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 4.99% APR
4.49%4.99%5.49%Oct 12, 2026: 4.99% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.88%
Auto Loan - 2024-2022 - - 5.24% 36 Months
Details As Low As; Model Year: 2024-2022; Rates include 0.25% deduction for direct deposit
Last Updated 10/12/2026
Rate History
No change since Sep 25, 2026 · 5.24% APR · checked 3 times
4.74%5.24%5.74%Sep 25, 2026: 5.24% APRSep 25, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.88%
Auto Loan - New/Used 2026-2025 - - 5.24% 48 Months
Details As Low As; Model Year: New/Used 2026-2025; Rates include 0.25% deduction for direct deposit
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 5.24% APR
4.74%5.24%5.74%Oct 12, 2026: 5.24% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.88%
Auto Loan - New/Used 2026-2025 - - 5.24% 60 Months
Details As Low As; Model Year: New/Used 2026-2025; Rates include 0.25% deduction for direct deposit
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 5.24% APR
4.74%5.24%5.74%Oct 12, 2026: 5.24% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.88%
Auto Loan - 2021-2019 - - 5.49% 36 Months
Details As Low As; Model Year: 2021-2019; Rates include 0.25% deduction for direct deposit
Last Updated 10/12/2026
Rate History
No change since Sep 25, 2026 · 5.49% APR · checked 3 times
4.99%5.49%5.99%Sep 25, 2026: 5.49% APRSep 25, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.88%
Auto Loan - 2024-2022 - - 5.49% 48 Months
Details As Low As; Model Year: 2024-2022; Rates include 0.25% deduction for direct deposit
Last Updated 10/12/2026
Rate History
No change since Sep 25, 2026 · 5.49% APR · checked 3 times
4.99%5.49%5.99%Sep 25, 2026: 5.49% APRSep 25, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.88%
Auto Loan - 2024-2022 - - 5.49% 60 Months
Details As Low As; Model Year: 2024-2022; Rates include 0.25% deduction for direct deposit
Last Updated 10/12/2026
Rate History
No change since Sep 25, 2026 · 5.49% APR · checked 3 times
4.99%5.49%5.99%Sep 25, 2026: 5.49% APRSep 25, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.88%
Auto Loan - New/Used 2026-2025 - - 5.49% 72 Months
Details As Low As; Model Year: New/Used 2026-2025; Rates include 0.25% deduction for direct deposit
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 5.49% APR
4.99%5.49%5.99%Oct 12, 2026: 5.49% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.88%
Auto Loan - 2021-2019 - - 5.74% 48 Months
Details As Low As; Model Year: 2021-2019; Rates include 0.25% deduction for direct deposit
Last Updated 10/12/2026
Rate History
No change since Sep 25, 2026 · 5.74% APR · checked 3 times
5.24%5.74%6.24%Sep 25, 2026: 5.74% APRSep 25, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.88%
Auto Loan - 2021-2019 - - 5.74% 60 Months
Details As Low As; Model Year: 2021-2019; Rates include 0.25% deduction for direct deposit
Last Updated 10/12/2026
Rate History
No change since Sep 25, 2026 · 5.74% APR · checked 3 times
5.24%5.74%6.24%Sep 25, 2026: 5.74% APRSep 25, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.88%
Auto Loan - 2024-2022 - - 5.74% 72 Months
Details As Low As; Model Year: 2024-2022; Rates include 0.25% deduction for direct deposit
Last Updated 10/12/2026
Rate History
No change since Sep 25, 2026 · 5.74% APR · checked 3 times
5.24%5.74%6.24%Sep 25, 2026: 5.74% APRSep 25, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.88%
Vehicle & Motorcycle Loan - New/Used 2023-2021 - - 5.74% 36 Months
Details As Low As; Model Year: New/Used 2023-2021; Rates include 0.25% deduction for direct deposit
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 5.74% APR
5.24%5.74%6.24%Oct 12, 2026: 5.74% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.88%
Vehicle & Motorcycle Loan - 2020-2018 - - 5.99% 36 Months
Details As Low As; Model Year: 2020-2018; Rates include 0.25% deduction for direct deposit
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 5.99% APR
5.49%5.99%6.49%Oct 12, 2026: 5.99% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.88%
Vehicle & Motorcycle Loan - New/Used 2023-2021 - - 5.99% 48 Months
Details As Low As; Model Year: New/Used 2023-2021; Rates include 0.25% deduction for direct deposit
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 5.99% APR
5.49%5.99%6.49%Oct 12, 2026: 5.99% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.88%
Vehicle & Motorcycle Loan - New/Used 2023-2021 - - 5.99% 60 Months
Details As Low As; Model Year: New/Used 2023-2021; Rates include 0.25% deduction for direct deposit
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 5.99% APR
5.49%5.99%6.49%Oct 12, 2026: 5.99% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.88%
Auto Loan - New/Used 2026-2025 - - 6.24% 84 Months
Details As Low As; Model Year: New/Used 2026-2025; Rates include 0.25% deduction for direct deposit
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 6.24% APR
5.74%6.24%6.74%Oct 12, 2026: 6.24% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.88%
Vehicle & Motorcycle Loan - 2020-2018 - - 6.24% 48 Months
Details As Low As; Model Year: 2020-2018; Rates include 0.25% deduction for direct deposit
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 6.24% APR
5.74%6.24%6.74%Oct 12, 2026: 6.24% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.88%
Vehicle & Motorcycle Loan - 2020-2018 - - 6.24% 60 Months
Details As Low As; Model Year: 2020-2018; Rates include 0.25% deduction for direct deposit
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 6.24% APR
5.74%6.24%6.74%Oct 12, 2026: 6.24% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.88%
Vehicle & Motorcycle Loan - New/Used 2023-2021 - - 6.24% 72 Months
Details As Low As; Model Year: New/Used 2023-2021; Rates include 0.25% deduction for direct deposit
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 6.24% APR
5.74%6.24%6.74%Oct 12, 2026: 6.24% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.88%
Auto Loan - 2018-2015 - - 6.49% 36 Months
Details As Low As; Model Year: 2018-2015; Rates include 0.25% deduction for direct deposit
Last Updated 10/12/2026
Rate History
No change since Sep 25, 2026 · 6.49% APR · checked 3 times
5.99%6.49%6.99%Sep 25, 2026: 6.49% APRSep 25, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.88%
Auto Loan - 2024-2022 - - 6.49% 84 Months
Details As Low As; Model Year: 2024-2022; Rates include 0.25% deduction for direct deposit
Last Updated 10/12/2026
Rate History
No change since Sep 25, 2026 · 6.49% APR · checked 3 times
5.99%6.49%6.99%Sep 25, 2026: 6.49% APRSep 25, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.88%
Auto Loan - New/Used 2026-2025 - - 6.49% 96 Months
Details As Low As; Model Year: New/Used 2026-2025; $60,000 loan minimum for 96 months; Rates include 0.25% deduction for direct deposit
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 6.49% APR
5.99%6.49%6.99%Oct 12, 2026: 6.49% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.88%
Vehicle & Motorcycle Loan - 2020-2018 - - 6.49% 72 Months
Details As Low As; Model Year: 2020-2018; Rates include 0.25% deduction for direct deposit
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 6.49% APR
5.99%6.49%6.99%Oct 12, 2026: 6.49% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.88%
Auto Loan - 2024-2022 - - 6.74% 96 Months
Details As Low As; Model Year: 2024-2022; Rates include 0.25% deduction for direct deposit
Last Updated 10/12/2026
Rate History
No change since Sep 25, 2026 · 6.74% APR · checked 3 times
6.24%6.74%7.24%Sep 25, 2026: 6.74% APRSep 25, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.88%
Vehicle & Motorcycle Loan - 2017-2014 - - 6.74% 36 Months
Details As Low As; Model Year: 2017-2014; Rates include 0.25% deduction for direct deposit
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 6.74% APR
6.24%6.74%7.24%Oct 12, 2026: 6.74% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.88%
Auto Loan - 2018-2015 - - 7.24% 48 Months
Details As Low As; Model Year: 2018-2015; Rates include 0.25% deduction for direct deposit
Last Updated 10/12/2026
Rate History
No change since Sep 25, 2026 · 7.24% APR · checked 3 times
6.74%7.24%7.74%Sep 25, 2026: 7.24% APRSep 25, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.88%
Vehicle & Motorcycle Loan - 2013-2011 - - 7.24% 36 Months
Details As Low As; Model Year: 2013-2011; Rates include 0.25% deduction for direct deposit
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 7.24% APR
6.74%7.24%7.74%Oct 12, 2026: 7.24% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.88%
Vehicle & Motorcycle Loan - 2017-2014 - - 7.24% 48 Months
Details As Low As; Model Year: 2017-2014; Rates include 0.25% deduction for direct deposit
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 7.24% APR
6.74%7.24%7.74%Oct 12, 2026: 7.24% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.88%
Vehicle & Motorcycle Loan - 2017-2014 - - 7.24% 60 Months
Details As Low As; Model Year: 2017-2014; Rates include 0.25% deduction for direct deposit
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 7.24% APR
6.74%7.24%7.74%Oct 12, 2026: 7.24% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.88%
Vehicle & Motorcycle Loan - New/Used 2023-2021 - - 7.24% 84 Months
Details As Low As; Model Year: New/Used 2023-2021; Rates include 0.25% deduction for direct deposit
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 7.24% APR
6.74%7.24%7.74%Oct 12, 2026: 7.24% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.88%
Vehicle & Motorcycle Loan - 2013-2011 - - 7.49% 48 Months
Details As Low As; Model Year: 2013-2011; Rates include 0.25% deduction for direct deposit
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 7.49% APR
6.99%7.49%7.99%Oct 12, 2026: 7.49% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.88%
Vehicle & Motorcycle Loan - 2010 & Older - - 7.99% 36 Months
Details As Low As; Model Year: 2010 & Older; Rates include 0.25% deduction for direct deposit
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 7.99% APR
7.49%7.99%8.49%Oct 12, 2026: 7.99% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.88%
Vehicle & Motorcycle Loan - New/Used 2023-2021 - - 8.24% 96 Months
Details As Low As; Model Year: New/Used 2023-2021; $60,000 Loan Minimum; Rates include 0.25% deduction for direct deposit
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 8.24% APR
7.74%8.24%8.74%Oct 12, 2026: 8.24% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.88%
Auto Loan - 2014 & Older - - 8.49% 36 Months
Details As Low As; Model Year: 2014 & Older; Rates include 0.25% deduction for direct deposit
Last Updated 10/12/2026
Rate History
No change since Sep 25, 2026 · 8.49% APR · checked 3 times
7.99%8.49%8.99%Sep 25, 2026: 8.49% APRSep 25, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.88%

Thrive Federal Credit Union RV, Boat and Powersport Loan Rates

Product Rate APR Term View More
Motor Homes, Boats, Fifth Wheels, Travel Trailers - New Loan - 6.74% 60 Months
Details As Low As; Description: New
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 6.74% APR
6.24%6.74%7.24%Oct 12, 2026: 6.74% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.88%
Motor Homes, Boats, Fifth Wheels, Travel Trailers - 2026-2019 Loan - 7.24% 60 Months
Details As Low As; Model Year: 2026-2019
Last Updated 10/12/2026
Rate History
No change since Sep 25, 2026 · 7.24% APR · checked 3 times
6.74%7.24%7.74%Sep 25, 2026: 7.24% APRSep 25, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.88%
Motor Homes, Boats, Fifth Wheels, Travel Trailers - New Loan - 7.74% 120 Months
Details As Low As; Description: New
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 7.74% APR
7.24%7.74%8.24%Oct 12, 2026: 7.74% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.88%
Motor Homes, Boats, Fifth Wheels, Travel Trailers - 2018-2006 Loan - 8.24% 60 Months
Details As Low As; Model Year: 2018-2006
Last Updated 10/12/2026
Rate History
No change since Sep 25, 2026 · 8.24% APR · checked 3 times
7.74%8.24%8.74%Sep 25, 2026: 8.24% APRSep 25, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.88%
Motor Homes, Boats, Fifth Wheels, Travel Trailers - 2026-2019 Loan - 8.24% 120 Months
Details As Low As; Model Year: 2026-2019
Last Updated 10/12/2026
Rate History
No change since Sep 25, 2026 · 8.24% APR · checked 3 times
7.74%8.24%8.74%Sep 25, 2026: 8.24% APRSep 25, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.88%
Motor Homes, Boats, Fifth Wheels, Travel Trailers - New Loan - 8.74% 180 Months
Details As Low As; Description: New
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 8.74% APR
8.24%8.74%9.24%Oct 12, 2026: 8.74% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.88%
Motor Homes, Boats, Fifth Wheels, Travel Trailers - 2018-2006 Loan - 9.24% 120 Months
Details As Low As; Model Year: 2018-2006
Last Updated 10/12/2026
Rate History
No change since Sep 25, 2026 · 9.24% APR · checked 3 times
8.74%9.24%9.74%Sep 25, 2026: 9.24% APRSep 25, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.88%
Motor Homes, Boats, Fifth Wheels, Travel Trailers - 2026-2019 Loan - 9.24% 180 Months
Details As Low As; Model Year: 2026-2019
Last Updated 10/12/2026
Rate History
No change since Sep 25, 2026 · 9.24% APR · checked 3 times
8.74%9.24%9.74%Sep 25, 2026: 9.24% APRSep 25, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.88%
Motor Homes, Boats, Fifth Wheels, Travel Trailers - 2018-2006 Loan - 10.24% 180 Months
Details As Low As; Model Year: 2018-2006
Last Updated 10/12/2026
Rate History
No change since Sep 25, 2026 · 10.24% APR · checked 3 times
9.74%10.24%10.74%Sep 25, 2026: 10.24% APRSep 25, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.88%

Thrive Federal Credit Union Student Loan Rates

Product Rate Points APR Term View More
Student Loan Eliminator Loan - - 5.50% 60 Months
Details As Low As; Rates posted are base rates and may be higher depending on your credit score
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 5.50% APR · checked 2 times
5.00%5.50%6.00%Oct 8, 2026: 5.50% APROct 8, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.88%
Student Loan Eliminator Loan - - 5.75% 72 Months
Details As Low As; Rates posted are base rates and may be higher depending on your credit score
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 5.75% APR · checked 2 times
5.25%5.75%6.25%Oct 8, 2026: 5.75% APROct 8, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.88%
Student Loan Eliminator Loan - - 6.00% 84 Months
Details As Low As; Rates posted are base rates and may be higher depending on your credit score
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 6.00% APR · checked 2 times
5.50%6.00%6.50%Oct 8, 2026: 6.00% APROct 8, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.88%
Student Loan Eliminator Loan - - 6.25% 96 Months
Details As Low As; Rates posted are base rates and may be higher depending on your credit score
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 6.25% APR · checked 2 times
5.75%6.25%6.75%Oct 8, 2026: 6.25% APROct 8, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.88%

Thrive Federal Credit Union Personal Loan Rates

Product APR Term View More
Personal Line of Credit 8.50% 5 Years
Details As Low As; Variable - Adjusts Monthly; Rates posted are base rates and may be higher depending on your credit score
Last Updated 10/12/2026
Rate History
1 change since Sep 16, 2026 · 8.25% → 8.50% ▲ 0.25 pts · high 8.50% / low 8.25%
7.75%8.38%9.00%Sep 16, 2026: 8.25% APRSep 25, 2026: 8.50% APRSep 16, 2026Oct 13, 2026
  • Sep 25, 20268.50%▲ from 8.25%
  • Sep 16, 20268.25%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.88%
Personal Loan - 24 Months 8.99% 24 Months
Details As Low As; Rates may be higher depending on credit score
Last Updated 10/12/2026
Rate History
1 change since Sep 16, 2026 · 7.75% → 8.99% ▲ 1.24 pts · high 8.99% / low 7.75%
6.51%8.37%10.23%Sep 16, 2026: 7.75% APRSep 25, 2026: 8.99% APRSep 16, 2026Oct 13, 2026
  • Sep 25, 20268.99%▲ from 7.75%
  • Sep 16, 20267.75%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.88%
Personal Loan - 42 Months 9.99% 42 Months
Details As Low As; Rates may be higher depending on credit score
Last Updated 10/12/2026
Rate History
1 change since Sep 16, 2026 · 8.75% → 9.99% ▲ 1.24 pts · high 9.99% / low 8.75%
7.51%9.37%11.23%Sep 16, 2026: 8.75% APRSep 25, 2026: 9.99% APRSep 16, 2026Oct 13, 2026
  • Sep 25, 20269.99%▲ from 8.75%
  • Sep 16, 20268.75%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.88%
Personal Loan - 60 Months 10.99% 60 Months
Details As Low As; Rates may be higher depending on credit score
Last Updated 10/12/2026
Rate History
1 change since Sep 16, 2026 · 9.75% → 10.99% ▲ 1.24 pts · high 10.99% / low 9.75%
8.51%10.37%12.23%Sep 16, 2026: 9.75% APRSep 25, 2026: 10.99% APRSep 16, 2026Oct 13, 2026
  • Sep 25, 202610.99%▲ from 9.75%
  • Sep 16, 20269.75%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.88%

Thrive Federal Credit Union Other Rates

Product Rate Points APY/APR Term View More
IRA 1.25% - 1.26%
Details Dividends posted monthly and are subject to change without notice
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 1.26% APY
0.76%1.26%1.76%Oct 12, 2026: 1.26% APYOct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.88%
Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.
Powered by MonitorBankRates

Financial Health History

Thrive Federal Credit Union’s Texas Ratio rose from 3.67% in Q3 2023 to 5.88% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

0% 1.0★ 4.1% 2.0★ 8.3% 3.0★ 12.4% 4.0★ 16.5% 5.0★ 15% Verified Healthy limit – lower is healthier Healthy zone 3.67% A+ Q3 2023 A Q4 2023 A+ Q1 2024 A Q2 2024 A+ Q3 2024 A Q4 2024 A Q1 2025 A+ Q2 2025 A Q3 2025 A Q4 2025 A Q1 2026 5.88% A+ Q2 2026
Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)
Powered by MonitorBankRates

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures
QuarterTotal assetsTexas RatioStar RatingHealth Grade
June 30, 2026$110M5.88%5.0A+
March 31, 2026$113M6.76%5.0A
December 31, 2025$107M7.50%5.0A
September 30, 2025$106M6.95%5.0A
June 30, 2025$104M4.35%5.0A+
March 31, 2025$106M6.22%5.0A
December 31, 2024$100M9.53%5.0A
September 30, 2024$101M3.63%5.0A+
June 30, 2024$97M6.21%5.0A
March 31, 2024$97M3.80%5.0A+
December 31, 2023$92M9.38%5.0A
September 30, 2023$90M3.67%5.0A+
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating
Our rating for Thrive Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Thrive Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Thrive Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Thrive Federal Credit Union
Website https://www.thrivecu.org
Address 4501 S Delaware Dr, Muncie, IN 47302-9405
Phone 765-284-1015
Fax 765-284-2542
President Brandon Hughes
CEO Brett Rinker
Full-Time Employees 32
Part-Time Employees 2
Branch Locations 3
ATM Locations 3
NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (97/100)
Texas Ratio
5.88%
Return on Assets (ROA)
0.3826%
Return on Equity (ROE)
3.1876%
Non-Performing Loans Ratio (NPL)
1.08%
Total Assets
110,012,313
Total Amount of Shares and Deposits
96,196,477
Total Shares and Deposits < 1 Year
90,998,468
Total Shares and Deposits 1 3 Years
4,551,783
Total Shares and Deposits > 3 Years
646,226
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
10,071,535
Total Uninsured Shares and Deposits > $250K (F+J)
10,071,535
Total Insured Shares and Deposits > $250K (item 17 less item K)
86,124,942
Total Interest Expense (Sum of items 6 8)
818,730
Share Certificates
803
Number of Accounts for Share Drafts
5,967
IRA KEOGH Accounts
221
Number of Accounts for Regular Shares
11,063
All other shares
67
Non Member Deposits
7
Money Market Shares
120
Net Income (unless the amount is already included in Undivided Earnings)
420,918
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
7,014,022
Total Liabilities
96,949,417
Source: NCUA — Last Updated 06/30/2026
MonitorBankRates Verified Healthy Badge Q2 2026
Q2 2026 MBR Health & Safety Badge

Thrive Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

<a href="https://monitorbankrates.com/credit-unions/thrive-federal-credit-union-rates-review-3631">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>
Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

There are no reviews for Thrive Federal Credit Union yet. Feel free to create one below.
Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Average Rating
☆☆☆☆☆
Total Reviews
0
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Frequently Asked Questions About Thrive Federal Credit Union

How many branches does Thrive Federal Credit Union operate?

Thrive Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Thrive Federal Credit Union?

Yes, to access services at Thrive Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Thrive Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Thrive Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Thrive Federal Credit Union offer online and mobile banking?

Most modern institutions like Thrive Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.thrivecu.org.

Current Thrive Federal Credit Union Rates

  • 12-Month CD3.70%
  • 18-Month CD3.75%
  • 24-Month CD3.80%
  • 60-Month CD4.10%
  • Savings0.05%
  • MMA2.52%
Retrieved from our database of financial products. Rates subject to change.

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