Thrive Credit Union Muncie IN | Low Mortgage Rates & Quick Auto Loans

Introduction

Welcome to Thrive, your trusted credit union located at 2610 N Wheeling Ave, Muncie, IN 47303. Since our establishment in 1940, we have proudly served our community with a commitment to providing exceptional financial services tailored to meet your needs. With over 7,774 members and 29 dedicated employees, we are more than just a financial institution; we are a cornerstone of support for families and businesses alike. At Thrive, we understand the importance of financial stability and growth. Our total assets amount to an impressive $100,690,668, reflecting our strong position in the community. We believe in empowering our members through various financial offerings, including personal banking, auto loans, mortgage refinancing, and much more. Currently, we hold a total of $10,442,704 in deposits and have extended 4,976 loans to help fulfill your dreams. Our leadership team is committed to making a positive impact. Under the guidance of CEO Brett Rinker and Board President Brandon Hughes, we strive to foster a welcoming environment where your financial goals become achievable realities. Our approachable team is always ready to assist you whether you're looking for advice on savings or exploring loan options. If you need assistance or wish to learn more about how Thrive can help you thrive financially, feel free to reach out! You can contact us at 765-289-7001 or visit our website at www.thrivecu.org. While members can visit us at our branch location for all their banking needs, official correspondence should be sent to the same address: 2610 N Wheeling Ave, Muncie, IN 47303. Join us today as we continue to grow together as a community!

Branch History & Mission

Welcome to Thrive, a credit union that has been a cornerstone of the Muncie community since its founding in 1940. Located at 2610 N Wheeling Ave, Muncie, IN 47303, Thrive started with a simple mission: to provide accessible financial services that empower members and support local growth. Over the decades, we've evolved from humble beginnings into a thriving institution with over 7,774 members and total assets exceeding $100 million. Our journey reflects our commitment to our members and the community. We have consistently adapted to meet the changing needs of our members while maintaining our core values of trust and support. In addition to traditional banking services, we now offer a wide range of products including auto loans, mortgage financing, and personal loans, all designed to help you achieve your financial goals. At Thrive, we believe that our mission goes beyond providing financial services; it's about building lasting relationships and supporting our community. We take pride in being more than just a credit union we are a partner in your financial journey. Our mission is rooted in enhancing the quality of life for our members by offering reliable banking solutions while actively participating in local outreach initiatives. While members can visit us at our branch for personal assistance and services like drive-thru banking and ATM access, official correspondence should be sent to the same address: 2610 N Wheeling Ave, Muncie, IN 47303. Our lobby is open Monday through Friday from 9:00 AM to 4:30 PM, making it convenient for you to stop by whenever you need assistance. As we look toward the future, Thrive remains committed to digital advancements that enhance member experience. With features like online banking and mobile payments available at your fingertips, managing your finances has never been easier or more efficient. Join us at Thrive where your financial well-being is our priority. Experience firsthand how we can support your goals while making a positive impact on our community. If you're ready to take the next step toward financial empowerment, visit Thrive's website today or call us at 765-289-7001 for more information!

Branch Location & Accessibility

Convenient Access and Features

At Thrive, we prioritize your comfort and accessibility. Our location features ample parking with easy access to our entrance, including ADA-compliant ramps for those who need them. Whether you're coming in for a quick transaction or to discuss financial plans, our team is here to assist you. Our lobby hours are set to fit your busy schedule join us Monday through Friday from 9:00 AM to 4:30 PM. If you're on the go, take advantage of our drive-thru banking services for simple transactions without leaving your vehicle. Plus, we have an ATM available for quick cash withdrawals or balance checks.

Stay Connected

While you can visit us at our branch address, please remember that any official correspondence should be sent to the same location: 2610 N Wheeling Ave, Muncie, IN 47303. If you have any questions or need assistance, feel free to call us at 765-289-7001. We invite you to come in and discover how Thrive can help you with personal banking services like checking and savings accounts, auto loans, mortgages, and more. Your financial goals matter to us, and we're excited to help you achieve them! So why wait? Stop by today or give us a call we can't wait to serve you!

Member Eligibility

At Thrive, we believe that becoming a member is like stepping into a welcoming family where your financial needs are prioritized and valued. If you're wondering how to join us at our Muncie branch located at 2610 N Wheeling Ave, you're in the right place! Membership is open to individuals who live, work, or worship in Delaware County, as well as their family members. This means that if you're part of our community, you can easily access all the benefits we offer like personalized service, competitive rates, and a variety of financial products tailored just for you. Opening an account with us is simple and hassle-free. You can find detailed eligibility criteria by visiting our resource page at https://www.shareteccu.com/app/thrivecu/viewapp?id=162. Should you have any questions or need assistance, feel free to give us a call at 765-289-7001. We're here to help you start your journey with Thrive today!

Business Banking & Commercial Services

Lending That Fuels Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs. We've funded over $0 in commercial loans for our members, helping businesses scale and succeed. In addition, we also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions that fit your needs.

Merchant Services That Work for You

Alongside our loan options, we offer merchant services designed to simplify transactions and enhance customer experiences. Imagine being able to process payments seamlessly while keeping track of sales data all in one place. This not only saves time but also allows you to focus more on what you do best: running your business. Located at 2610 N Wheeling Ave, Muncie, IN 47303, Thrive is here to help you navigate your business journey with confidence. Let's work together to turn your vision into reality! For more information, feel free to call us at 765-289-7001 or visit our website at Thrive.

Comprehensive List Of Services

Business Banking Services

For business owners, Thrive offers robust business banking services including merchant services and business loans. We recognize that running a business comes with its own set of challenges, and we're committed to helping you manage those effectively.

Convenient Access Points

We know convenience matters in today's fast-paced world. That's why Thrive provides ATM services for quick cash withdrawals and balance checks without hassle. Our drive-thru banking allows for basic transactions such as deposits and withdrawals without leaving your car. In addition to these services, our online platform enables easy access for all your banking needs anytime, anywhere. Whether it's making payments or transferring money person-to-person, we ensure that managing your finances is as simple as possible. Our friendly staff is ready to assist you with any questions you may have about these services. Feel free to reach out at 765-289-7001 or visit us during lobby hours from Monday through Friday between 9:00 AM and 4:30 PM. Ready to take the next step in your financial journey? Visit us at Thrive today!

Home Financing Options

For those planning to buy a home or refinance an existing mortgage, Thrive is here to assist you. Our mortgage loans offer various options tailored to suit different needs. With expert guidance from our team, you can navigate the home-buying process confidently.

Personal Banking Solutions

Whether you're looking to open a checking or savings account, Thrive offers personal banking solutions that fit your lifestyle. Imagine effortlessly managing your finances with our online and mobile banking features. You can check balances, transfer funds, and pay bills right from your smartphone or computer. Plus, our credit cards come with rewards that make every purchase more rewarding.

Personal Loans and Debt Consolidation

If you're facing unexpected expenses or looking to consolidate debt, our personal loans can provide the support you need. We aim to help ease financial burdens with clear terms and straightforward applications.

Vehicle Financing

Thinking about buying a new car? Our auto loans and vehicle financing options are designed to help you get on the road quickly. We understand that purchasing a vehicle is a significant investment, so we provide competitive rates and flexible terms to make this process smoother for you.

Digital & Online Banking

E-Statements and Mobile Access

Say goodbye to paper clutter! We provide e-statements for all members, allowing you to view your financial statements online whenever you need them. This not only helps you stay organized but also contributes to the environment by reducing paper waste. For those on the go, our mobile application ensures that your bank is always at your fingertips. You can easily manage your accounts, make person-to-person transfers, and even use mobile payments with just a few taps on your smartphone. Plus, if you're ever in need of cash, our ATM and drive-thru services are always nearby.

Security and User-Friendly Features

Your security is our top priority. Our online banking system uses advanced encryption technology to keep your personal information safe. With user-friendly features that require no technical expertise, managing your finances has never been easier. From setting up alerts for account activity to scheduling automatic payments, every aspect of our digital banking services is designed with your convenience in mind. At Thrive, we believe banking should fit into your life seamlessly so you can focus on what matters most. Explore all these features and more by visiting us at https://www.thrivecu.org/ today!

Financial Strength

At Thrive, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We are committed to maintaining a strong financial foundation to support your needs and goals. With a net worth of $10,897,746, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 1082 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. Members' savings are secured through $28,094,527 in share certificates and $6,282,485 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $994,000, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks. With $10,194,747 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity supports your financial goals with $6,114,103 in total loans and leases, including $1,237 in used auto loans. Our performance reflects our operational efficiency with a net income of $702,999, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 26 full-time employees and 3 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team. Total Share Accounts: 16,561, showing a strong and growing member base that trusts us with their finances. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Thrive is your trusted partner. Visit us at 2610 N Wheeling Ave Muncie IN 47303 or call 765-289-7001 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $18,668,204 in used vehicle loans and $4,964,403 in new vehicle loans already helping members get on the road. Whether you're looking for a new or used vehicle, our flexible financing options make it easier than ever to drive away in the car you want.

Credit Lines and Personal Loans

For those seeking extra flexibility in managing expenses or consolidating debt, we provide credit lines with a total of $10,000,000 available. Additionally, our unsecured credit card loans amounting to $1,517,336 offer versatile options for managing everyday purchases while keeping your finances under control. We invite you to explore all our loan offerings designed to empower your financial journey. If you're interested in applying or want more information about refinancing options or eligibility criteria, don't hesitate to reach out! You can call us at 765-289-7001, or visit us during lobby hours from Monday through Friday between 9:00 AM - 4:30 PM. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. At Thrive, we're dedicated to supporting our members with comprehensive loan solutions tailored just for you.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $6,042,488, make buying or refinancing simple. We offer competitive rates and terms that suit your unique financial situation. If you're considering refinancing your current mortgage, we can guide you through the eligibility process to find the right solution for you.

Loan Aggregator

Benefits of Using LendMesh

One of the standout features of LendMesh is its Verified Data. Loan offers are gathered from legitimate financial institutions, which fosters transparency in the comparison process. Additionally, there are No Sponsored Listings; LendMesh does not prioritize lenders based on paid promotions. The goal here is straightforward: to provide unbiased results so users can make informed choices. Another advantage is the Real-Time Rate Comparisons. Users have access to up-to-date loan rates from multiple institutions, allowing them to evaluate options effectively and select what best fits their needs. Thousands of users trust LendMesh for loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This testimonial highlights the practical benefits experienced by actual users. Compare real-time loan offers today at LendMesh and find the best rates for your needs. Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.

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