Share Certificates

Thrive Credit Union can help you earn higher dividends on your deposits with share certificates. With low minimum balance requirements and a variety of terms, share certificates are a great savings option for just about everyone. 

Account Features

  • Terms are available from 6 months to 5 years

  • Minimum balance requirement as low as $500.00

  • Dividends compounded quarterly, transferred quarterly, or paid by check quarterly

  •  A penalty will be imposed for early withdrawal

Health Savings Account

Health Savings Accounts are designed specifically to help cover the qualified medical expenses of individuals with a high-deductible health care plan. Assets in an HSA can be used to cover medical, dental, and vision care.

Account Features

  • Unlike a flexible spending account, HSA owners are not required to use the assets within a certain time frame or risk losing the funds. This allows HSA funds to grow over time

  • HSA owners are permitted to move assets from one financial institution to another, even if contributions were made by an employer. This gives the HSA owner flexibility in how the account is managed and invested

How to Open an HSA at Thrive?

  • To be eligible to open an HSA, a member must be enrolled in a high-deductible insurance plan. Thrive may ask for proof of eligibility on a case-by-case basis.

  • A prime share account must first be opened with the HSA owner as the primary member before the HSA can be opened.

  • Like an IRA, there is no such thing as a “Joint” HSA. However, in the case of a family health insurance plan, we can allow an authorized signer on the HSA. The authorized signer can receive a debit card to be used for qualified medical expenses.

Contributions for an HSA

  • The contribution limit for an HSA depends on if the health insurance plan covers an individual or the entire family. For individual plans, the 2022 contribution limit is $3,650.00; for family plans, the limit is $7,300.00. HSA owners age 55 and older may contribute an additional $1,000.00.

  • Any contributions made to an HSA, whether from the owner, family, or an employer, count toward the contribution limit.

  • HSA owners with a Traditional or Roth IRA may make a one-time Qualified HSA Funding Distribution up to the HSA contribution limit. SEP and SIMPLE IRAs are not eligible for these distributions.


Club Accounts

Christmas Savings Club Account

Planning ahead for your holiday spending can help you Thrive! Make deposits into your Christmas Club Account anytime throughout the year and earn dividends each month on your account balance. 

Special Savings Club Account

Planning a vacation? How about redecorating a room in your home? Whatever special occasion or project you are planning, Thrive’s Special Savings Club Account is the perfect way to save.

Christmas Savings Club Details

Christmas Club funds are available after October 31 and will be conveniently transferred to your Thrive checking or savings account the last week of October, just in time for your holiday shopping.

Special Savings Club Account Details

The Special Savings Club Account can be utilized on top of your Share Savings Account to keep your funds separate. You can open as many accounts as you need to organize your special savings funds.


Individual Retirement Account

Thrive Credit Union can help you save for your retirement years with an Individual Retirement Account (IRA). The earlier in life that you open an IRA, the more your money will grow, and that means more money that you will have to enjoy your retirement years. IRA contributions may be tax deductible, and earnings grow tax-free. All employees earning compensation at some time during the year are eligible, even if you are an active participant in any other retirement plan. IRAs at Thrive are insured for up to $500,000.00, separate from your other Thrive accounts.

How Can I Invest My IRA Funds at Thrive?

  1. IRA Savings Account

  2. CDs with terms of 6 months – 5 years


Money Market Account

With a Money Market Account at Thrive Credit Union, you don’t have to lock your funds away to earn higher dividend rates on your savings account.

Account Features

  • $2,500.00 minimum balance 

  • Up to 3 withdrawals per month

  • Checks can be ordered for the account

  • Dividend rates guaranteed to always be higher than a share savings account

Money Market Account Rates

Dividends posted monthly effective 04/06/2023 and are subject to change without notice.

Minimum Maximum APR * APY **
$2,500.00 $25,000.00 1.75% 1.76%
$25,000.01 $50,000.00 2.00% 2.02%
$50,000.01 $100,000.00 2.25% 2.27%
$100,000.01 2.50% 2.52%

* APR is Annual Percentage Rate
** APY is Annual Percentage Yield

Save to Win

When you Save to Win, you not only get a chance at winning $5,000.00, but you walk away with the deposits you made over the year – plus interest. A definite win-win situation!

What is a Save to Win Account?

Save to Win is a prize-linked savings share certificate account that offers the chance to win prizes in addition to earning regular interest. Save to Win requires a small opening deposit of $25.00 and allows unlimited number of deposits during the 12-month term.

Entry Rules

For a complete list of Thrive’s official rules, payout information, drawing details, and additional prize information, Thrive Credit Union Rules.

How do I Earn Entries to Win Cash Prizes?

Open a 12-month Save to Win share certificate with at least $25.00. This is your first entry into that month’s drawing as well as additional drawings throughout the year. Make deposits into your share certificate each month. Every $25.00 deposit earns you an entry into the drawings, up to 10 prize entries per month.

Prizes ranging from $25.00 to $5,000.00 will be awarded monthly and quarterly. For a complete list of prizes click here. Plus, Thrive Credit Union awards $50.00 each month to one lucky member participating in the Save to Win program.

Delaware Branch

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Wheeling Branch

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Morrison Branch

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Thrive Referral Program

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