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ATM locator

Use the ThriventCU app or this online locater to find an ATM.

Routing number

075972147

CO-OP Shared branch locator

Use the ThriventCU app or this online locater to search the CO-OP Shared Branch network, a group of credit unions with more than 5,600 branches spread throughout all 50 U.S. states.
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Personal loans

Overview
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Personal loans with TCU

Home projects. Debt consolidation. Unexpected expenses. At Thrivent Credit Union, we know that sometimes you need a financial boost. That's why we're ready to help with a variety of personal loans.

See current loan rates

Loan Discount Program

As a member, not only do you benefit from TCU's competitive rates, but now you can save even more. Receive a discount on all auto and personal1 loans just for banking with us.
.25% Rate Discount
  • TFCU Membership Account
  • Payment automatically deducted from a TCU account
  • One (1) of the following products**
    • Consumer deposit and loan accounts2
    • Business deposit and loan accounts3,4
.50% Rate Discount
  • TFCU Membership Account
  • Payment automatically deducted from a TCU account
  • Two (2) or more of the following products**
    • Consumer deposit and loan accounts2
    • Business deposit and loan accounts3,4
** Members applying jointly can combine their accounts to determine the discount they qualify for.

1 Discount not eligible on Reserve Line of Credit.
2 TFCU Membership and Reserve Line of Credit products do not qualify.
3 TFCU Business Membership and Business Reserve Line of Credit products do not qualify.
4 Only sole proprietor account types qualify.

All loans and lines of credit are subject to credit application, qualification, and approval.
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Find the right loan for you

Thrivent Credit Union offers a variety of loans to meet your needs throughout your financial journey. Responsible borrowing is important to us. When you join and apply for a loan at TCU, we take time to make sure it's the right fit for you. Together, we'll evaluate your assets and financial goals, painting a clear picture of how a new loan will impact you and your family.

Browse our options, join TCU and make a thoughtful loan decision today.

Unsecured Personal Loans

If you don't have collateral to use, this is an option to borrow $1,000 or more for a variety of purposes. Rates vary.

See current rates

700+
Credit Score

36-Month Term
(up to 60-month term available)

680—699
Credit Score

36-Month Term
(up to 60-month term available)

660—679
Credit Score

36-Month Term
(up to 48-month term available)

620—659
Credit Score

36-Month Term

700+
Credit Score

36-Month Term
(up to 60-month term available)

680—699
Credit Score

36-Month Term
(up to 60-month term available)

660—679
Credit Score

36-Month Term
(up to 48-month term available)

620—659
Credit Score

36-Month Term
You don't have to plan all alone
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Certificate secured

If you own a TCU certificate, you can take a loan on the money in the certificate. The rate is based off the certificate rate plus a percentage and the term can be up to the maturity date of the certificate.

See current rates

Personal Line of Credit

Preferred Line of Credit

If you need $5,000 or more, the preferred line of credit is for you. The interest rate is typically lower than the reserve line of credit and does not have to be tied to a checking account.

5-Year Term

See current rates

Reserve Line of Credit

Life happens, and you can't always plan for it. Add a reserve line of credit to your checking account to cover emergencies or unexpected expenses. The interest rate is fixed, and you only pay interest on the amount borrower. There is no advance fee charge. You can easily transfer funds online or call us to do it for you.

Access the line of credit as long as the linked checking is open.

See current rates

Preferred Line of Credit

If you need $5,000 or more, the preferred line of credit is for you. The interest rate is typically lower than the reserve line of credit and does not have to be tied to a checking account.

5-Year Term

See current rates

Reserve Line of Credit

Life happens, and you can't always plan for it. Add a reserve line of credit to your checking account to cover emergencies or unexpected expenses. The interest rate is fixed, and you only pay interest on the amount borrower. There is no advance fee charge. You can easily transfer funds online or call us to do it for you.

Access the line of credit as long as the linked checking is open.

See current rates

Investment Secured Line of Credit

If you have an eligible Thrivent Investment Management Inc. account and need a short-term loan, an investment secured line of credit might be an option for you. Get quick access to funds and use your investments as collateral, without cashing in on your securities. Term of 12 months.

View rates

Life Insurance Secured

If you have a life insurance policy with Thrivent, you can borrow against the cash value of the policy. This type of loan has a lower rate than the unsecured loan with terms of up to 180 months (or 15 years).

View current rates

Thrivent Life Insurance Secured — Fixed Rate

Loan amount $5,000—$10,000
Term of 60 months

Loan amount > $10,000
Term of 60 months

Thrivent Life Insurance Secured — Adjustable Rate

Loan amount $10,000—$100,000
Term of 120 months

Loan amount > $100,000
Term of 180 months

Thrivent Life Insurance Secured — Fixed Rate

Loan amount $5,000—$10,000
Term of 60 months

Loan amount > $10,000
Term of 60 months

Thrivent Life Insurance Secured — Adjustable Rate

Loan amount $10,000—$100,000
Term of 120 months

Loan amount > $100,000
Term of 180 months
Apply
Submit your application for a personal loan.
Review
Check the status of your loan application.
Membership
Thrivent Credit Union is member-owned. Learn what it means to be part of the TCU community today.
Contact us
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