At PrimeTrust Federal Credit Union, Stories Matter

Craig Robbins of Walls Furniture is a proud member of PrimeTrust Federal Credit Union.Craig Robbins of Walls Furniture is a proud member of PrimeTrust Federal Credit Union.

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, offering a variety of personal and commercial financial products and services. We’re community-chartered, which means we’re able to serve any person who lives, works, worships, or goes to school in Delaware County. In addition, our doors are open to any business located in Delaware County.

Find out why over 16,000 people have discovered that there is a better way to manage their finances. Become a PrimeTrust member today!


Whether on-the-go or in-person, PrimeTrust makes it easy to access your accounts. In addition to our three convenient and modern branch locations in Delaware County, PrimeTrust members can also use over 5,000 shared branches and numerous ATMs across the country for access to their accounts.

And if digital access is your choice, we offer free online and mobile banking with bill pay services  from any connected device, 24/7/365!


Unlike other banks, at PrimeTrust we don’t have customers, we have members. So what’s the big deal?  Well, to put it simply, our members own the credit union…literally!  Our sole purpose is to serve and provide for our members. As a not-for-profit financial cooperative governed by a volunteer Board of Directors – who are members and are elected by our membership – our members have a vested stake in the success of our organization and as a result we can offer more favorable rates and services than most banks – like higher dividend rates, lower rates on loans, and low- or no-fee services.

Nothing illustrates this better than our Patronage Award. Since 2012, PrimeTrust has returned over $500,000 back to our members with this unique benefit! The more qualifying relationships you have the more opportunity you have to get money back!  When’s the last time a bank did that for you?


Our Muncie and Delaware County roots go back almost 80 years at PrimeTrust and giving back to the community is part of our DNA. PrimeTrust proudly sponsors a host of events and causes that work to improve the lives of our friends and neighbors.  We’re committed to making a difference for not only our members, but everyone in our community.


Saving money on a mortgage is about more than just securing a great rate. It’s about getting the right mortgage – one that fits your budget and helps you steer clear of hidden fees or unexpected charges.

At PrimeTrust, our experienced, local lenders will work alongside you every step of the way to provide you with the financing you need to keep your family on track to meet their financial goals.

We stand behind our mortgages with: Competitive interest rates


A Home Equity Line of Credit from PrimeTrust is the perfect way to responsibly use the equity in your house to finance the changes in your life – including home repairs and improvements.  The PrimeTrust HELOC is available as both a first and second mortgage and since it is a line of credit, it can be dispersed to you when needed.

Federally insured by NCUA
NMLS #462171
Equal Housing Lender




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