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Home / Our Difference / Why TFCU

We're more than a credit union

Thrivent Federal Credit Union is a not-for-profit, faith-based financial cooperative. Christian money management principles influence the tools we provide our membership. Every member is also part owner, so our values and tools echo the voice of our membership. We're here to provide the financial tools you need to live your faith. Through unique TFCU solutions, you can make more intentional, meaningful decisions with money. We think that's pretty fulfilling.

Why Thrivent Federal Credit Union?

  • We lead with faith: We know that your faith plays a role in money management. If you're ready to start making intentional spending and savings decisions based on your Christian values, you're in the right place.
  • It's a new way of banking: When you join TFCU, you'll get the tools you need to improve your finances, not just manage them. From learning how to pay down debt to managing a plan that automates saving and giving, we'll help you hone in on financial goals by identifying focus areas and tackling weak spots. We weave in Christian values in the products we offer, so you can rest assured that your finances will align with the values important to you.
  • There are perks: When you become a member, you get to cash-in on a host of unique benefits, like part-ownership, access to Thrivent Financial Action Team opportunities and more. Discover the full list of member benefits.
  • We're connected: At TFCU, you can do more than just bank with us. With access to Thrivent Financial, you can leverage the expertise and knowledge of trusted financial representatives for your protection and retirement needs.

The credit union difference

Discover the difference between credit unions and banks, and learn what TFCU has to offer its members.

Banks Credit Unions
Are for-profit organizations. Are not-for-profit organizations.
Return profits to a small group of stockholders. Return profits to all members in the form of lower loan rates, higher savings rates and free or low-cost services.
Serve anyone in the general public. Serve individuals within a "field of membership" made up of people who share a common bond (e.g., employer, geographic area, association).
Are for-profit organizations who report results to third-party stockholders. Are not-for-profit, membership owned organizations. Each credit union member has equal ownership and one vote – regardless of how much money a member has with the credit union.
Are federally insured by the Federal Deposit Insurance Corporation (FDIC). Are federally insured by the National Credit Union Share Insurance Fund (NCUSIF).
Have a paid board of directors who represent the owners; customers do not have voting privileges. Elect a volunteer board of directors from the credit union membership to represent their interests.