Thrivent Credit Union response to COVID-19

We're here for you

As we continue through the Coronavirus pandemic, our top priority continues to be the health and safety of our members, staff and our communities. Our commitment to you is as strong as ever and we are here to serve you in this unique environment.

Ways to bank with us

Our TCU branches in Minneapolis and Appleton are open by appointment only Monday, Wednesday, and Friday from 10 a.m. to 2 p.m., Central time . Schedule an appointment online by visiting our online scheduler.

Our call center staff is available to assist you with all banking needs from 7 a.m. to 6 p.m., Central time, Monday - Friday. Limited services for personal bank accounts are available 24/7 such as funds transfers, balance requests, as well as reporting fraud or lost/stolen cards.

For in person services, our local Co-Op Shared Branch Network locations are available. Additionally, cash is available to you at any ATM, if you have a Thrivent Rewards Checking withdrawals are free¹. Stay connected to your accounts by using our online banking and mobile banking app. With these tools you can manage your account, transfer funds, make payments and use remote deposit capture to deposit your checks wherever you are. To make contactless payments in stores, you can use your Thrivent Credit Union debit card or credit card with Apple Pay, Google Pay or Samsung Pay.

Please note that the delays in United States Postal Service (USPS) deliveries recently reported in the news have been noticed by TCU's incoming mail and payment services operations. To ensure optimal service, please consider using online banking or our call center to make your loan payments and deposits electronically. 

Financial solutions for this time

If you've been financially impacted by the Covid-19 pandemic, you are not alone. TCU is supporting members with offerings such as these: 

Consumer products

  • For members with a TCU Education Finance Loan, Education Line of Credit or TCU Education Refinance Loan currently in repayment and experiencing financial hardship, please contact our loan repayment servicing partner, ZuntaFi Corp, to learn about forbearance options at 800-645-0372, Monday-Friday, 8 a.m.-5 p.m. CT.
  • Our Thrivent Standard MasterCard® has a 1.99% intro APR2 for 12 months on purchases and balance transfers; after that your variable APR will be 10.24% - 18.00% based on creditworthiness. Read additional important credit terms. To apply online, click here.
  • Reserve line of credit to serve as overdraft protection on TCU Checking Accounts. To apply online for this personal loan, click here.
  • Call us to discuss any of the options above at 1-866-226-5225, Monday-Friday, 7 a.m.-6 p.m. CT.

Mortgage loans

  • If you need to miss a mortgage payment, or need to discuss available options, please call us at 877-636-4003 or email Forbearance and deferment are programs available for those experiencing financial hardship.
  • You may also reach out to resources in your local area. Many non-profits, city, or county organizations have developed assistance programs you may be eligible to apply for.

Information on federal stimulus payments

The IRS and U.S. Treasury have issued all first, second and third Economic Impact Payments. If you did not receive the full amount or any payment for the first or second round, you may qualify for the Recovery Rebate Credit with your 2020 tax return. Please speak with your accountant regarding this process. You can review available information on the IRS Website.

Child Tax Credit Payments

The American Rescue Plan Act passed earlier this year will provide many families with monthly payments that will represent 50 percent of the estimated amount of the Child Tax Credit you may properly claim on your 2021 tax return. For additional information and eligibility requirements, visit the Frequently Asked Questions on the IRS Website.

For future possible stimulus payments from the federal or state governments, you may wish to set a text alert* to be notified of a deposit to your account. Follow these steps to add an alert:

  1. Log into TCU Online Banking at (not available on the mobile app)
  2. Hover over 'Additional Services' and choose 'Text Banking and Alerts'
  3. Click on 'Add an Alert +', then under 'Activity' choose 'Large deposit'
  4. Check the box for email or text or both to set your alert preference
  5. Choose the account you would like to be notified about
  6. Enter the 'equals or exceeds' dollar amount
    *Your device must be eligible to receive text messages, and you may incur charges for using text services, depending on your service agreement with your wireless carrier.

Tips to avoid coronavirus scams

TCU wants to remind you that cyber criminals use major news events, like the ongoing pandemic, as an opportunity to increase their online scams, such as phishing attacks. Scammers may be using a number of ways to trick you into taking some type of action, such as:

  • Phone calls or text messages that appear to come from legitimate organizations, and in some cases the caller identification may appear to be our Call Center phone number. Do not respond to requests for sensitive information by email or text. TCU will never ask you for sensitive information when calling you. We will ask you for questions to verify your identity. If you are uncomfortable at any time, please hang up and contact us directly at 866-226-5225.
  • Emails about coronavirus that include links or attachments for you to click on. Rather than clicking on links or attachments to retrieve information, navigate to a trusted organization’s website.
  • Malicious websites that appear legitimate and offer information related to coronavirus, but they’re intended to steal usernames, passwords and other sensitive information. Browse the internet safely.
  • Fake or non-existent COVID related charities. Do your homework when it comes to donations. Never donate in cash, by gift card or wire transfer.
  • We will be monitoring debit card transactions for fraudulent charges and will be calling or texting if we identify a suspicious transaction. We will never ask for your debit card number or your account number in order to confirm transactions.

Be careful what you post online about you and your family. Photos of Covid-19 vaccination cards should not be shared on social media. Never post content that includes your date of birth, health care information, or other personal information that could be used to steal your identity. 

Additional information regarding current, Covid-19 specific scams can be found on the following websites:

  • U.S. Department of Health and Human Services Office of Inspector General provides information on Health Scams
  • Federal Communications Commission (FCC) provides consumer resources on Coronavirus Scams
  • Federal Trade Commission (FTC) provides advice for consumers to Avoid Coronavirus Scams
  • Internal Revenue Services (IRS) provides information regarding Scams related to Economic Stimulus Payments
  • General information from Thrivent Credit Union on how to take action to stay secure during uncertain times can be found here.


Stay connected

If you want to receive emails regarding TCU's response to COVID-19, sign-up here.

Understand how your money is protected

The National Credit Union Administration (NCUA) insures our deposit accounts, and you might have more coverage than you think. Learn more.

Financial planning & investment support

Thrivent provides information on market updates at

Make a difference from afar

With so many needs around us during these unprecedented times, many of you may be asking, "How can I help?" We know giving back is important to our members, so we’ve provided several ways to help you get started, support your community and make a difference no matter where you are. Our friends at Thrivent make virtual volunteering and online gift matching safe and easy. Learn more.

¹ Thrivent Credit Union reimburses all ATM fees for Thrivent Rewards Checking account, up to 4 fee reimbursements for Simply Checking accounts per month. Automatic ATM fee reimbursement applies to domestic ATM transactions. International ATM transactions are subject to an international surcharge applied by MasterCard that is not reimbursable by TCU. International ATM transactions may require the submission of your receipt for reimbursement of the ATM fee if combined with other fees. ATM fees on business accounts are not reimbursed.

2Offer available on new accounts only. All qualifying purchases and balance transfers posted to your account during the first 12 months after the account open date, up to your available credit limit, will receive an introductory 1.99% APR. After the initial 12 month period, the APR for any remaining balances will increase to the standard variable APR for purchases and balance transfers disclosed at account opening (currently 10.24% - 18.00%) based on creditworthiness. This APR will vary with the market based on the Prime Rate. Rates are subject to change without notice.

All loans are subject to credit application, qualification and approval. Restrictions may apply.

This page was last updated 08/02/2022.