Credit union · NCUA insured
Prime Trust Financial Credit Union
A $265.2M credit union headquartered in Muncie, IN, with 18,575 members and 4 branches in Indiana. Best rates: CDs 4.00% and savings 0.80% APY.
Prime Trust Financial Credit Union Carrot Score
80
Carrot Score
Higher than 53% of U.S. banks and credit unions
#4 of 10 in Muncie, IN metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Prime Trust Financial Credit Union
PrimeTrust Financial Credit Union is a member-owned financial cooperative headquartered in Muncie, Indiana, that has been serving area residents for more than 80 years.
Operating three branches in Muncie, the credit union also welcomed former members of Del Met Federal Credit Union into the PrimeTrust family.
- Headquarters
- 3700 W Bethel Ave, Muncie, IN 47304
- NCUA charter
- 489
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Eligible if you live, work, worship, or attend school in Delaware, Madison, Hamilton, Hancock, or Henry County, Indiana, or are a business/legal entity located in those counties.
Employers and groups
- Residents of Blackford, Grant, Jay, Randolph, or Wabash County qualify by making a minimum deposit of $5 in partnership with Second Harvest Food Bank of East Central Indiana.
Cost to join
- Membership is attained by opening a share savings account.
Branches
4 branches in Indiana
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Indiana
4 branches
- PrimeTrust Financial FCUMain office3700 W Bethel Ave, Muncie, IN 47304Directions
- PrimeTrust Financial FCU4018 N Broadway Ave, Muncie, IN 47303Directions
- PrimeTrust Financial FCU3230 S Madison St, Muncie, IN 47302Directions
- PrimeTrust Financial FCU5400 N Wheeling Ave, Muncie, IN 47304Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 10.37% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.88% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.93% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $81 | $76 | — |
- CapitalNet worth ratio10.37%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.88%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.93%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$81Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Prime Trust Financial Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.