About Us


PrimeTrust Financial has taken a load off my shoulders. I never thought I could pay off my credit card debt, but PrimeTrust Financial helped me consolidate. It's absolutely unreal. It's been great!

N. Smith,

Expanded Hours


  • Elder Financial Abuse

    Published Thursday, June 19, 2014

    Elder financial abuse spans a broad spectrum of conduct, including: Taking money or property Forging an older...
More News »

About Us

Founded in 1935 by the employees of Warner Gear, WGE Federal Credit Union, now PrimeTrust Federal Credit Union was started with the belief that there had to be a better way - a better way to save money and a better way to borrow money.

For over 79 years, PrimeTrust has been giving its members just that - a place to turn to for all their financial needs; a place that is friendly and treats them with respect.

PrimeTrust, the largest credit union based in Muncie and the 27th largest in the State of Indiana, announced it has received approval from the National Credit Union Administration (NCUA) to become community-chartered in March 2011.  This new charter makes PrimeTrust membership available to anyone who works, resides, worships, or goes to school in Delaware County.  It also opens the door to any business headquartered in Delaware County.

PrimeTrust is recognized as a full-service financial provider for consumer and commercial services.  This includes checking, savings, Visa credit and debit cards, first mortgage and home equity products, personal loans, commercial deposit products, business checking, commercial loans, insurance and investment services, wealth management, as well as online banking and bill-pay services.

Jeff Sikora, President and CEO of PrimeTrust FCU said, “This represents a major change for our Credit Union. Changing charters like this will insure the Credit Union remains a strong and viable cooperative well into the future. Consumers in Delaware County now have a new alternative for all their personal and business financial needs.”

Under the conditions of this change to its federal charter, PrimeTrust FCU will no longer require a person, organization or business to be part of a qualifying source known as a Select Employee Group. Now a person or business only needs to meet one of the relationships with the defined community, in this case Delaware County, as outlined in the standard community charter regulations.

New marketing efforts are now underway to educate and generate awareness of this charter change and the advantages it brings to consumers and businesses.

Credit unions are unique financial institutions. The members are the owners, and PrimeTrust is a not-for-profit financial cooperative. PrimeTrust uses the deposits of its members to loan to its members. PrimeTrust is governed by a volunteer Board of Directors, and we exist solely to service our members.

PrimeTrust Financial strives to offer higher dividend rates, lower borrowing rates, and services with little or no fees while maintaining a healthy financial status.

Find out why over 21,000 people have discovered that there is a better way to conduct their financial business. Become a PrimeTrust member today.

Mission Statement:

PrimeTrust Federal Credit Union's mission is to provide financial advantage to our membership in a way that promotes their overall quality of life.

Seven Cooperative Principles for Credit Unions


1. Voluntary and Open Membership

Co-operatives are voluntary organizations, open to all persons able to use their services and willing to accept the responsibilities of membership, without gender, social, racial, political or religious discrimination.

2. Democratic Member Control

Co-operatives are democratic organizations controlled by their members, who actively participate in setting their policies and making decisions. Men and women serving as elected representatives are accountable to the membership. In primary co-operatives members have equal voting rights (one member, one vote) and co-operatives at other levels are also organized in a democratic manner.

3. Member Economic Participation

Members contribute equitably to, and democratically control, the capital of their co-operative. At least part of that capital is usually the common property of the co-operative. Members usually receive limited compensation, if any, on capital subscribed as a condition of membership. Members allocate surpluses for any or all of the following purposes: developing their co-operative, possibly by setting up reserves, part of which at least would be indivisible; benefiting members in proportion to their transactions with the co-operative; and supporting other activities approved by the membership.

4. Autonomy and Independence

Co-operatives are autonomous, self-help organizations controlled by their members. If they enter into agreements with other organizations, including governments, or raise capital from external sources, they do so on terms that ensure democratic control by their members and maintain their co-operative autonomy.

5. Education, Training and Information

Co-operatives provide education and training for their members, elected representatives, managers, and employees so they can contribute effectively to the development of their co-operatives. They inform the general public - particularly young people and opinion leaders - about the nature and benefits of co-operation.

6. Co-operation among Co-operatives

Co-operatives serve their members most effectively and strengthen the co-operative movement by working together through local, national, regional and international structures.

7. Concern for Community

Co-operatives work for the sustainable development of their communities through policies approved by their members.



Contact PrimeTrust Financial


Feel free to contact us with any questions or comments. Any sensitive or personal information should not be sent via email. Please contact our live 24-hour Call Center at 765-289-2148 or 1-800-459-5585.

Email Updates

What's this?

Information To Go

  • Fireworks Buying Tips

    Published Thursday, June 19, 2014

    Buy assortments & Use coupons Coupons are generally distributed in the newspaper, local coupon magazines,...
More Promotions »