Credit union · NCUA insured
Thrive Credit Union Credit Card Rates
Top CarrotThrive Credit Union credit cards start at 9.90% APR on purchases, after any introductory rate. Rates checked October 15, 2026.
How Thrive Credit Union’s credit card rates compare
Compared with banks and credit unions near Muncie, IN, where Thrive Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Thrive Credit Union
9.90%APR
Visa Platinum
Lowest rate
First County FCU
9.90%APR
2nd-lowest rate
Prime Trust Financial Credit Union
9.90%APR
Thrive Credit Union credit card score
84
Credit card score
Higher than 65% of U.S. banks and credit unions
- Purchase APRPurchase APR9.90%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Thrive Credit Union ranks
By credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
Visa Classic
Credit limit: $500.00 - $5,000.00. Low fixed purchase rate of 13.9% APR. Balance transfers APR: 11.9%. Cash advances APR: 13.9%. 25-day grace period on purchases when balance is paid in full each month. Rate based on creditworthiness. Optional credit insurance available for a nominal fee.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 13.90% | None | Fixed purchase rate. 25-day grace period on purchases when balance is paid in full each month. |
| Ongoing | 11.90% | None | APR for Balance Transfers. |
Sources (1)
- thrivecu.org/credit-cards · captured Oct 7, 2026
Visa Gold
Credit limit: $1,500.00 - $10,000.00. Low fixed purchase rate of 11.9% APR. Balance transfers APR: 9.9%. Cash advances APR: 11.9%. Earn 1% cash back on every purchase once you spend $1,000. 25-day grace period on purchases when balance is paid in full each month. Rate based on creditworthiness. Optional credit insurance available.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 11.90% | None | Fixed purchase rate. Earn 1% cash back on every purchase once you spend $1,000. 25-day grace period on purchases when balance is paid in full each month. |
| Ongoing | 9.90% | None | APR for Balance Transfers. Earn 1% cash back on every purchase once you spend $1,000. |
Sources (1)
- thrivecu.org/credit-cards · captured Oct 7, 2026
Visa Platinum
Credit limit: $2,500.00 - $15,000.00. Low fixed purchase rate of 9.9% APR. Balance transfers APR: 7.9%. Cash advances APR: 9.9%. 25-day grace period on purchases when balance is paid in full each month. Rate based on creditworthiness. Optional credit insurance available for a nominal fee.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 9.90% | None | Fixed purchase rate. 25-day grace period on purchases when balance is paid in full each month. |
| Ongoing | 7.90% | None | APR for Balance Transfers. |
Sources (1)
- thrivecu.org/credit-cards · captured Oct 7, 2026
Visa Secured
Prepaid credit line to establish or rebuild credit. Credit limit: $500.00 - $5,000.00. Low fixed purchase rate of 13.9% APR. Balance transfers APR: 11.9%. Cash advances APR: 13.9%. 25-day grace period on purchases when balance is paid in full each month. Rate based on creditworthiness. Optional credit insurance available for a nominal fee.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 13.90% | None | Fixed purchase rate. 25-day grace period on purchases when balance is paid in full each month. Pre-paid credit line. |
| Ongoing | 11.90% | None | APR for Balance Transfers. Pre-paid credit line. |
Sources (1)
- thrivecu.org/credit-cards · captured Oct 7, 2026
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.