The Thrive Credit Union is a student loan from Thrive Credit Union. The ongoing APR is As low as 5.50% (60 months), 5.75% (72), 6.00% (84), 6.25% (96) APR; base rates may be higher depending on credit score; rates effective 10/14/2026. Approval typically requires a credit score of Must have a credit score of at least 660 or higher. Typical credit limit: Amount loaned up to $30,000.00. Loan terms: Term of loan - up to 8 years.