Federally Insured by NCUA

Your Story Matters Here

About Us

At PrimeTrust Federal Credit Union, stories matter.

Stories like yours. You have goals for your family and your future. Goals that deserve a financial provider who knows more about you than just your credit score.

That’s exactly the kind of personal attention you’ll receive at PrimeTrust. We’re a not-for-profit financial cooperative that’s owned and governed by our members. Deposits are used to provide loans to other members and excess profits are reinvested in better rates and low- and no-fee services.

PrimeTrust is the largest credit union in Muncie (and 30th largest in assets in Indiana) and offers a variety of consumer and personal financial products and services. That includes checking, savings, Visa® credit and debit cards, first mortgage and home equity products, personal loans, commercial deposit products, commercial checking, commercial loans, insurance and investment services, financial planning, as well as online banking and bill-pay services.

In 2011, we received approval from the National Credit Union Association (NCUA) to become community-charted. That change means we can now serve any person who lives, works, worships, or goes to school in Delaware County. In addition, our doors are now open to any business located in Delaware County as well.

Find out why over 16,500 people have discovered that there is a better way to manage their finances.  Become a PrimeTrust member today.

Review our Annual Report

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 are 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.

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National Credit Union Administration     ESI

Your savings federally insured to at least $250,000 by the National Credit Union Administration (NCUA) and backed by the full faith and credit of the United States Government.

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