Credit union · NCUA insured
Thrive Credit Union
Top CarrotA $113.4M credit union headquartered in Muncie, IN, with 8,323 members and 3 branches in Indiana. Best rates: CDs 4.16% and savings 1.66% APY.
Thrive Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 81% of U.S. banks and credit unions
#2 of 10 in Muncie, IN metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Thrive Credit Union
Headquartered in Muncie, Indiana, Thrive Credit Union is a member-owned credit union founded in 1940.
Originally established by Delco Battery employees, it was known as West Willard FCU and Industrial Centre FCU before rebranding in 2014.
Operating three branch locations, the credit union serves Delaware, Madison, and Henry counties.
- Headquarters
- 4501 S Delaware Dr, Muncie, IN 47302-9405
- NCUA charter
- 3631
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This may be incomplete or out of date, so check with the credit union before you apply.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
- Membership is open to individuals who live in Delaware, Madison, or Henry County.
- Membership is open to individuals who attend school in Delaware, Madison, or Henry County.
- Membership is open to individuals who work in Delaware, Madison, or Henry County.
- Membership is open to individuals who worship in Delaware, Madison, or Henry County.
Branches
3 branches in Indiana
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Indiana
3 branches
- Main OfficeMain office4501 S Delaware Dr, Muncie, IN 47302Directions
- Branch2610 N Wheeling Ave, Muncie, IN 47303Directions
- Morrison Office3360 N Morrison Rd, 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 | 12.00% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 1.08% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.78% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $78 | $76 | — |
- CapitalNet worth ratio12.00%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late1.08%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.78%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$78Peers’ 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 Thrive Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.