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Membership makes banking better

At Thrivent Credit Union (TCU), you’re never just an account number. You’re a valued member-owner.

We believe our commitment to your values makes a positive difference in the way you bank. By putting you at the center of everything we do, we help bring purpose to the way you save, spend and borrow — through our personalized products, impeccable service and competitive rates.

How does membership work?

When you bank with us, you become a member-owner of TCU. You reap the benefits of our organization’s profits, and you have a vote in its leadership elections. Your returns. Your voice. We’re confident that makes for a better way to bank.

When you join with TCU, we open a share savings account for you and fuel it with its first dollar — that’s all you’re required to keep in that account to maintain your membership.

Become a member

Get the most out of your membership

Discover some of the benefits of banking with us.

  1. Exclusive access to BalanceWorks®

    Needs. Wants. Savings. Giving. Plan for all four with TCU’s BalanceWorks® system — an interactive tool for tracking your most important goals.
  2. Personalized and focused service

    Personal finances start with personal values. We take time to understand what matters most to you. Then we help you make confident money decisions.
  3. 24/7 flexible banking

    Whether you want to manage your accounts online, on your phone or at a branch — we’re here for you (including after hours and on weekends).
  4. All your accounts — in one place

    Instantly monitor your bank, investment and retirement accounts with our best-in-class Money Management™ tool. You can even create budgets and evaluate your spending and saving habits over time.
  5. The power of ownership

    We exist solely to serve our members, not stockholders. As a TCU member, you can help shape the future of our credit union by voting once a year for our volunteer board of directors.
  6. Returned earnings

    Every dollar you invest in TCU is reinvested to you in the form of higher savings rates, lower loan rates and lower fees. For details, explore our products and services.
  7. Protection

    Your deposit accounts are insured (up to at least $250,000) by the National Credit Union Share Insurance Fund (NCUSIF). Like FDIC coverage for bank customers, it’s backed by the full faith and credit of the U.S. government. Read more.
  8. Loan rate discounts

    If you have multiple TCU accounts, you may be eligible for rate discounts on loans you open with TCU.
  9. Member rewards

    We provide rewards through credit card programs, loan rate discounts, offers based on your debit card purchases, and more. For details, explore our products and services.

For rates, assumptions and full disclosures, visit our Daily Rate Page.


Any Thrivent client with associate or benefit membership (whether an individual, business or organization) is eligible to bank with TCU. Don't have membership yet? Don’t worry. You’ll receive associate Thrivent membership when you apply for an account with us — and we’ll even waive the $19.95 fee.

With membership, you'll be a part of Thrivent, a membership-owned fraternal organization — and a holistic financial services organization dedicated to helping clients achieve financial clarity by focusing on their needs, goals and priorities.

Businesses and organizations

TCU membership is also available to organizations that meet any of the following criteria:

  • Comprised of or owned by Thrivent clients with membership.
  • Associate Corporate member of the American Consumer Council.
    • To learn more about ACC membership, call us at 612-844-8512.
  • Affiliated with one of the following church bodies:
    • Evangelical Lutheran Church in America (ELCA).
    • Lutheran Church — Missouri Synod (LCMS).
    • Wisconsin Evangelical Lutheran Synod (WELS).
    • Church of the Lutheran Brethren (CLB).
    • North American Lutheran Church (NALC).
    • American Association of Lutheran Churches (AALC).
    • Evangelical Lutheran Synod (ELS).
    • Association of Free Lutheran Congregations (AFLC).
    • Lutheran Congregations in Mission for Christ (LCMC).

Wondering how we can help your business? For information about loans, call 612-844-8512. For all other questions, call 800-688-6032.

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