Thrive Credit Union Muncie IN | Low Mortgage Rates & Business Loans

Introduction

Welcome to Thrive, your trusted financial partner since 1940! Located at 3360 N Morrison Rd, Muncie, IN 47304, we are committed to serving our community with a range of personal and business banking solutions. With a solid membership base of over 7,774 members and total assets of $100,690,668, we pride ourselves on being a reliable resource for your financial needs. At Thrive, we understand the importance of local relationships. Our team is dedicated to providing personalized service that makes banking easy and accessible. Whether you're looking for checking and savings accounts, auto loans, or mortgage financing, we have tailored products designed just for you. As a member-owned credit union, we prioritize your financial well-being and offer competitive rates on loans and deposits. Our leadership team, headed by CEO Brett Rinker and Board President Brandon Hughes, works tirelessly to ensure that our credit union remains a safe and supportive environment for all members. We also maintain a strong net worth of $10,897,746 and have cash in hand amounting to $1,114,233 to support our lending activities. While you can visit us at our branch for all your banking needs, please note that official correspondence should be directed to our mailing address: 3360 N Morrison Rd, Muncie, IN 47304-5542. Feel free to reach out at 765-381-8204 during our lobby hours from Monday through Friday from 9:00 AM to 5:00 PM. Join us in thriving together visit our website at thrivecu.org or stop by our branch today! Your financial success is our priority.

Branch History & Mission

Modern Banking Solutions

As part of our commitment to convenience and accessibility, Thrive offers numerous digital banking features such as online banking, mobile payments, e-statements, and person-to-person payment options. We also ensure ADA compliance throughout our facilities so that all members can access our services comfortably. For those who prefer face-to-face interactions, we provide drive-thru banking options for quick transactions along with ATM availability for easy cash withdrawals. Our lobby hours are Monday through Friday from 9:00 AM to 5:00 PM, ensuring you can reach us when it suits you best. As we look toward the future, we invite you to join us on this journey. Experience firsthand how Thrive can help you navigate your financial path with confidence and security. If you're ready to become part of a community-focused credit union that values your needs above all else, visit us today or call us at (765) 381-8204. Together, let's build a thriving future!

Our Mission

At the heart of Thrive's mission is a commitment to enhancing the lives of our members through exceptional financial services and community involvement. We believe that everyone deserves access to reliable banking options that cater to their unique needs. Our mission goes beyond just numbers; it's about building lasting relationships with our members and helping them achieve their financial goals. We understand that community support is vital for growth. That's why we actively participate in local events and initiatives aimed at improving the lives of those around us. Whether it's sponsoring youth programs or partnering with local organizations for charitable causes, we are dedicated to making a positive impact in Muncie.

Branch Location & Accessibility

Convenient Access

At Thrive, we prioritize your convenience. Our branch features ample parking and is fully accessible with ADA-compliant ramps, ensuring that everyone can visit us comfortably. You'll find our welcoming lobby open Monday through Friday from 9:00 am to 5:00 pm, ready to assist you with all your banking needs.

Get in Touch

While members can visit us at 3360 N Morrison Rd, official correspondence should be sent to the same address. If you have any questions or need assistance, don't hesitate to reach out! Give us a call at 765-381-8204. We look forward to welcoming you soon!

Services and Amenities

When you visit us at the Morrison Office, you can take advantage of various services tailored to meet your financial goals. Whether you're looking for personal banking options like checking and savings accounts or exploring loan opportunities for vehicles and mortgages, our dedicated team is here to help. Plus, we offer basic drive-thru banking for quick deposits and withdrawals, making transactions even easier. If you're in need of cash on the go, our ATM is available for convenient access outside regular hours. And if you prefer online services, rest assured that we provide robust mobile and online banking options so you can manage your finances anytime, anywhere.

Member Eligibility

At Thrive, we believe that being part of a credit union is like joining a close-knit family where everyone supports one another. If you're looking to become a member of our welcoming community at Thrive, located at 3360 N Morrison Rd Muncie In 47304, we make the process as easy as possible. Membership is open to anyone who lives, works, or worships in Delaware County, as well as their family members. This means you can enjoy a range of benefits tailored just for you! For more detailed information about eligibility criteria, feel free to check out our resource at https://www.shareteccu.com/app/thrivecu/viewapp?id=162. Opening an account with us is simple and hassle-free! You can visit us during our convenient hours, Monday through Friday from 9:00 am to 5:00 pm, or give us a call at (765) 381-8204 if you have any questions. We can't wait to welcome you into the Thrive family and help you achieve your financial goals! For additional details on how to open your account, please visit https://www.shareteccu.com/app/thrivecu/viewapp?id=162.

Business Banking & Commercial Services

Merchant Services

Imagine having a reliable partner for your payment processing needs. Our merchant services make it easy for businesses to accept payments seamlessly, whether in-store or online. This means you can focus more on serving your customers and growing your business without worrying about complicated transactions. Visit us at 3360 N Morrison Rd, Muncie, IN 47304, or call us at 765-381-8204 to learn more about how Thrive can help your business thrive!

Tailored Loan Options

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. Additionally, we also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions tailored to your specific needs. With an outstanding commercial loan portfolio of $0, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

Convenient Access When You Need It

At Thrive, convenience is key. Our branch features include ATM access for quick withdrawals and balance checks, as well as a drive-thru service for basic banking transactions like deposits and withdrawals. Whether you're in a hurry or simply prefer the ease of drive-thru banking, we've got you covered. With all these services available under one roof, we strive to be your trusted partner in achieving financial success. Feel free to reach out by calling us at 765-381-8204 or visit us at our Muncie location. If you're ready to get started on any of these services today, explore more about opening an account or learning about eligibility here. At Thrive, we're excited to serve you!

Credit Solutions That Reward You

Our credit card offerings come with rewards that let you earn while you spend. Whether you're planning a vacation or just need some extra flexibility, our Credit Cards with Rewards can be a valuable addition to your wallet.

Home Ownership Simplified

Buying a home? Our Mortgage Loans & Refinancing services provide various options to help you secure the best possible financing for your new house. With personalized support throughout the process, we make homeownership achievable for everyone. If you're facing unexpected expenses or looking to consolidate debt, our Personal Loans & Debt Consolidation services are here to help. We work with you to find a solution that fits your budget and helps ease financial stress.

Personal Banking Made Easy

We offer Personal Banking services that include checking and savings accounts tailored to fit your lifestyle. Whether you're saving for a special occasion or managing everyday expenses, our accounts come with features that make banking straightforward and stress-free. With easy access through Online & Mobile Banking, you can check balances, transfer funds, and pay bills from anywhere. For those looking to purchase a vehicle or refinance an existing loan, our Auto Loans & Vehicle Financing options are designed to give you competitive rates and flexible terms. Imagine driving off in your dream car without the worry of high payments!

Supporting Local Businesses

For business owners in the community, we provide comprehensive Business Banking solutions including merchant services and business loans. We know how vital it is for local businesses to have reliable financial support; that's why we're committed to helping you thrive.

Digital & Online Banking

Key Features of Our Digital Banking Services

Enjoy the peace of mind that comes with secure electronic transactions. With electronic signature authorization available, signing important documents is simple and safe. Want to go paperless? You can easily opt for e-statements to keep track of your finances while reducing clutter. For those who like to make purchases on the fly, our mobile payments feature lets you pay with ease from your smartphone. Coupled with our user-friendly mobile application, managing your money is as easy as tapping an app icon. The app not only allows for quick payments but also offers real-time updates on your account activity. Need to send money to a friend? Our person-to-person transfer service makes it effortless to share funds with just a few taps no cash needed! At Thrive, we're committed to providing a secure and accessible banking experience tailored to fit your lifestyle. We invite you to explore all these fantastic features and more by visiting our website. Your financial well-being is our top priority!

Financial Strength

Commitment to Reinvestment

With $10,194,747 in undivided earnings, we reinvest in innovative banking tools and stronger lending options to serve our members better. Our lending capacity is significant; we currently have $61,141,031 in total loans and leases including $12,367,237 in used auto loans. This means we're well-equipped to support your financial goals across various sectors.

Growing Membership Base

With a total of 16,561 share accounts, it's clear that our growing member base trusts us with their finances. Our net shares available for lending and investments stand at $146,403, showcasing the resources we have set aside to help you achieve your financial dreams. 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 3360 N Morrison Rd Muncie IN 47304 or call 765-381-8204 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.

Member-Centric Savings Opportunities

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.

Operational Efficiency

Our net income of $702,999 reflects our operational efficiency. This enables us to continue offering competitive loan rates and solid financial products for our members. We pride ourselves on having a dedicated team with 26 full-time employees and 3 part-time employees, ensuring our branches are always ready to serve you with knowledgeable assistance.

Solid Financial Health

With a net worth of $10,897,746, we maintain robust financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 10.82% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

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. We provide flexible terms and competitive rates designed to fit your budget.

Credit Lines

For those looking for flexibility in managing expenses or unexpected costs, our total credit lines amount to $10,000,000. This option allows you to borrow as needed while only paying interest on what you use.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Properties loans totaling $6,042,488, which can help you take the next step toward owning your dream home.

Refinancing Options

If you're considering refinancing any existing loans or mortgages to secure better terms or rates, we're here to guide you through the process. Our team can help determine your eligibility and assist in making the transition smooth. At Thrive Credit Union, we prioritize transparency and service quality. For inquiries or assistance regarding our loan products, feel free to contact us at 765-381-8204 during our lobby hours from Monday through Friday between 9:00 AM and 5:00 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. Let us help you navigate your financial journey with confidence!

Unsecured Credit Cards

We also offer flexible terms on unsecured credit card loans. With a total of $1,517,336 in loans helping members manage their finances effectively, our credit cards come with rewards that can benefit you even further.

Loan Aggregator

Benefits of Using LendMesh

One of the key advantages of LendMesh is its Verified Data. All loan offers come from legitimate financial institutions, which promotes transparency in the borrowing process. Additionally, LendMesh operates with No Sponsored Listings, meaning lenders are not prioritized based on paid promotions. The focus remains on delivering unbiased results to users. Another significant benefit is the Real-Time Rate Comparisons. Users can access up-to-date loan rates from multiple institutions, equipping them with the information needed to make sound financial choices. Thousands of users trust LendMesh for their 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 how effective and reliable LendMesh can be for those looking for the best loan options.

Ensuring Accurate Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov). This commitment ensures that users receive fair and transparent offers tailored to their financial needs.

Get Started Today

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.

Thrive