The Thrive Credit Union is a personal line of credit from Thrive Credit Union. The annual fee is No annual fee. The ongoing APR is 8.5% variable, adjusts monthly (base rate for a 5-year line; may be higher depending on credit score; rates effective 10/14/2026). Typical credit limit: Pre-approved credit limit with a minimum credit limit of $2,500.00 and maximum of $10,000.00 per qualified borrower. Loan terms: Up to a 5-year draw.