Credit union · NCUA insured
Thrive Credit Union CD Rates
Top CarrotThrive Credit Union’s best CD rate is 4.16% APY on a 32-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 15, 2026.
How Thrive Credit Union’s CD rates compare
Compared with banks and credit unions near Muncie, IN, where Thrive Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Thrive Credit Union
4.16%APY
- Term
- 32 months
- Minimum
- $500
- Earns on $10,000
- $1,148
Special Rate Share Certificates
Top rate
Indiana Members Credit Union
4.35%APY
- Term
- 13 months
- Minimum
- $1,000
- Earns on $10,000
- $472
2nd-highest rate
Woodforest National Bank
4.25%APY
- Term
- 9 months
- Minimum
- $500
- Earns on $10,000
- $317
Thrive Credit Union CD score
88
CD score
Higher than 84% of U.S. banks and credit unions
- 3–8 months3–8 mo3.56%
- 9–15 months9–15 mo4.06%
- 16–30 months16–30 mo3.80%
- 31–60 months31–60 mo4.16%
- QualifiedQualified4.16%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Thrive Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Special Rate Share Certificates
Up to 4.16%APY · 2 terms
Limited time offer. Dividends posted monthly are subject to change without notice. All rates subject to change at discretion of Board of Directors.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 13 monthsDividends posted monthly | 4.06% | $441 |
| 32 monthsDividends posted monthly | 4.16% | $1,148 |
Sources (1)
- thrivecu.org/rates · captured Oct 15, 2026
Share Certificates
Up to 4.10%APY · 8 terms
Dividends posted monthly and are subject to change without notice. Dividends compounded quarterly, transferred quarterly, or paid by check quarterly. A penalty will be imposed for early withdrawal.
| Term | APY · Any balance | APY · $10,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 3 monthsDividends posted monthly | 2.50% | — | 2.50% | $62 |
| 6 monthsDividends posted monthly | 3.29% | 3.56% | 3.29%3.56% from $10k | $163 |
| 12 monthsDividends posted monthly | 3.70% | — | 3.70% | $370 |
| 18 monthsDividends posted monthly | 3.75% | — | 3.75% | $568 |
| 24 monthsDividends posted monthly | 3.80% | — | 3.80% | $774 |
| 36 monthsDividends posted monthly | 3.96% | — | 3.96% | $1,236 |
| 48 monthsDividends posted monthly | 4.06% | — | 4.06% | $1,726 |
| 60 monthsDividends posted monthly | 4.10% | — | 4.10% | $2,225 |
Who can join Thrive Credit Union
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.
Membership information collected October 5, 2026.