Credit union · NCUA insured
Thrive Credit Union Savings Rates
Top CarrotThrive Credit Union’s best savings rate is 1.66% APY on $10,000, with its Money Market Account. Rates checked October 15, 2026.
How Thrive Credit Union’s savings 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
1.66%APY
- Minimum
- —
- Earns on $10,000 a year
- $166
Money Market Account
Top rate
Northwest Bank
4.00%APY
- Minimum
- $1
- Earns on $10,000 a year
- $400
3rd-highest rate
CrossRoads Financial Federal Credit Union
1.26%APY
- Minimum
- $2,500
- Earns on $10,000 a year
- $126
Thrive Credit Union savings score
88
Savings score
Higher than 80% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0001.66%
- $100,000 balance$100,0002.02%
- QualifiedQualified1.66%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Money Market Account
1.66%APY
$2,500.00 minimum balance. Up to 3 withdrawals per month. Checks can be ordered for the account. Dividends posted monthly and are subject to change without notice.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $2,500 – $25,000 | 1.66% | $166 |
| $25,000 – $50,000 | 1.81% | — |
| $50,000 – $100,000 | 2.02% | — |
| Over $100,000 | 2.27% | — |
Savings Account
0.05%APY
Dividends posted monthly and are subject to change without notice.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $5,000 | 0.05% | — |
| $5,000 – $50,000 | 0.05% | $5 |
| Over $50,000 | 0.05% | — |
Sources (3)
All captured Oct 5, 2026
Special-purpose accounts
Health Savings Account (HSA)
1.26%APY
Designed for individuals with a high-deductible health plan. Dividends posted monthly and are subject to change without notice.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 1.26% | $126 |
IRA Savings Account
1.26%APY
Dividends posted monthly and are subject to change without notice.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 1.26% | $126 |
Christmas Club
0.05%APY
Funds available after October 31 and transferred to checking or savings the last week of October. Dividends posted monthly and are subject to change without notice.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.05% | $5 |
Special Savings Club
0.05%APY
Can be utilized on top of Share Savings Account to keep funds separate. Dividends posted monthly and are subject to change without notice.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.05% | $5 |
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.