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Membership

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Thrivent is a membership-owned financial services organization serving members who share a common bond of Christianity. Explore membership benefits or apply to join.

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Membership benefits

Thrivent members enjoy access to a wealth of resources and programs that make it easier to live more generous and meaningful lives.
Lead volunteers in meeting a need in your community using tools and resources provided by Thrivent.
Make a financial impact by donating or directing Thrivent Choice Dollars® to the causes and nonprofits you care about.
Help us create meaningful impact on a local and global scale by ensuring that everyone has access to safe and affordable housing.
Participate in educational and community-giving events with other Thrivent clients.
Get personalized, expert guidance for all your caregiving needs in one place, at your convenience and at no cost to you.
Join us in offering immediate relief and long-term support to help get people back on their feet after a disaster.
Explore discounts to help reduce out-of-pocket expenses for dental, vision, hearing services and prescriptions. Health insurance not required.
Monitor your personal information for unusual activity that could be a sign of identity theft with tools like Experian's® ProtectMyID® and ProtectMyID Select®.
Walk through key decisions and how to prepare necessary documents so you can confidently work with an attorney to create or update your will.
Learn how eligible children who have been declined for other life insurance can get $10,000 of coverage from Thrivent.
Find support when grieving the loss of a loved one with resources to guide you through the healing process.
If you or someone you know has experienced a miscarriage, stillbirth or the loss of a newborn, this care package is designed to offer comfort and healing.
Enjoy inspiration and focus all year long with a thematic calendar; complete with photos submitted by Thrivent clients and friends like you.
Get educational, informational and inspirational articles to help you make money decisions that reflect your values.

How to become a member

Thrivent members share the common bond of Christianity. If you are a Christian, or the spouse of a Christian, you are eligible to become a member by completing our application below. Once accepted, there are two types of membership for individuals aged 16 and above. Your membership will depend on your relationship to Thrivent. View application PDF.
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Benefit Membership

  • Clients with a relationship to a Thrivent life, health or annuity product2
  • Access to membership benefits
  • Eligibility to lead two Thrivent Action Teams per year
  • The right to vote for Thrivent's board of directors and to serve, if elected, as a board member of Thrivent or your Thrivent Member Network
  • No annual fee
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Associate Membership

  • Clients without a relationship to a Thrivent life, health or annuity product
  • Access to select membership benefits
  • Eligibility to lead one Thrivent Action Team per year
  • The right to vote for the board of directors of your Thrivent Member Network
  • Annual fee of $19.95 (waived in certain circumstances, including if you hold an account with the Thrivent Credit Union3)
Illustration of people holding hands under a heart

Benefit Membership

  • Clients with a relationship to a Thrivent life, health or annuity product2
  • Access to membership benefits
  • Eligibility to lead two Thrivent Action Teams per year
  • The right to vote for Thrivent's board of directors and to serve, if elected, as a board member of Thrivent or your Thrivent Member Network
  • No annual fee
line drawing of 2 people with speech bubbles between them

Associate Membership

  • Clients without a relationship to a Thrivent life, health or annuity product
  • Access to select membership benefits
  • Eligibility to lead one Thrivent Action Team per year
  • The right to vote for the board of directors of your Thrivent Member Network
  • Annual fee of $19.95 (waived in certain circumstances, including if you hold an account with the Thrivent Credit Union3)

Membership FAQ

Get quick answers to common questions we receive about membership at Thrivent.

Have additional questions? Reach out to us below. We’re happy to help.
What is a fraternal benefit society?
At our heart, Thrivent is a membership-owned fraternal organization. The Thrivent membership shares a Christian Common Bond and a commitment to help strengthen the communities where they live, work and worship through their local Thrivent Member Networks.

The Thrivent membership is also committed to aiding each other through insurance and annuities benefits, and Thrivent's sale of those products is limited to clients with membership.

Clients without membership may purchase non-fraternal services, such as financial planning and non-insurance investments, from Thrivent's financial advisors, subsidiaries and affiliates.
Why should I join Thrivent’s Membership and what are the benefits?
When you join Thrivent, you become part of something bigger. You share in the collective ownership of our company and you’re part of a community of people looking out for others.

In addition to Thrivent’s financial expertise and solutions, membership provides eligible clients with more than 15 different programs and benefits to make it easy to give of yourself and live a more meaningful life.
How do I apply for membership?
If you are a Christian, or the spouse of a Christian, and agree to support and further Thrivent's shared purpose you are eligible to become a member by completing our membership application. Your membership class, and the benefits you are eligible for, depend on your relationship to Thrivent.
How do I renew my associate membership?
Membership renewal notices arrive approximately 30 days prior to payment due date, with instructions on the back of the renewal form. If renewing after the payment due date or if the renewal notice is lost, contact Thrivent at 800-847-4836 and say “Fraternal” when prompted.

Your Thrivent community

Enter your ZIP code below to find your Thrivent Member Network region on the map for local events, financial education workshops and generosity projects near you.
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Join us in making a difference

Giving back is a priority for both our company and our clients.
$238 million
raised and donated by Thrivent, clients and others*
2.3 million
Clients and others who volunteered and donated to address community needs around the country.*
Thrivent Action Teams held.**
$238 million
raised and donated by Thrivent, clients and others*
2.3 million
Clients and others who volunteered and donated to address community needs around the country.*
Thrivent Action Teams held.**
Get support
We'd be happy to answer your questions on Thrivent Action Teams, Thrivent Member Networks or any of the other exclusive membership benefits.
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1The Identity Theft Insurance is underwritten and administered by American Bankers Insurance Company of Florida, an Assurant company. Please refer to the actual policies for terms, conditions, and exclusions of coverage. Coverage may not be available in all jurisdictions. Review the Summary of Benefits.

Identity monitoring products are subject to exclusions and limitations. You must be a Thrivent member, age 18 or older, to enroll. If you are not a member, apply now. Thrivent could change or discontinue the identity monitoring benefit, or any part of it, at any time.

Thrivent receives payment from ConsumerInfo.com, Inc., an Experian® company, based on purchases of ProtectMyID by Thrivent members. Compensation from ConsumerInfo.com, Inc., an Experian® company, for member purchases of ProtectMyID® is used by Thrivent for the costs associated with providing discounted identity monitoring products to members.

2Benefit membership is restricted to those who are the insured, annuitant, or owner of a Thrivent insurance or annuity contract.

3The annual fee is waived or paid in certain circumstances, such as for clients of Thrivent subsidiary and affiliated companies, including owners of Thrivent mutual funds and those who have accounts with Thrivent Charitable Impact & Investing or the Thrivent Credit Union.

*As of December 31, 2022.

**As of April, 2023.

Thrivent’s ratings and guarantees are based on Thrivent’s financial strength and claims-paying ability. These ratings do not apply to investment product performance. For information on each rating, visit the individual rating agency's website.

Member benefits and programs are not guaranteed contractual benefits. The interpretation of the provisions of these benefits and programs is at the sole discretion of Thrivent. Membership benefits are reviewed and evaluated regularly. Thrivent reserves the right to change, modify, discontinue, or refuse to provide any of the membership benefits or any part of them, at any time.

The client’s experience may not be the same as other clients and does not indicate future performance or success.

You should never purchase or keep insurance or annuity products to be eligible for nonguaranteed membership benefits. You should only purchase and keep insurance and annuity products that best meet the financial security needs of you and your family. Consider the cost, features, and benefits of specific insurance and/or annuity products.

Deposit and lending services are offered by Thrivent Credit Union, the marketing name for Thrivent Federal Credit Union, a member-owned not-for-profit financial cooperative that is federally insured by the National Credit Union Administration and doing business in accordance with the Federal Fair Lending Laws. Insurance, securities, investment advisory and trust and investment management accounts and services offered by Thrivent, the marketing name for Thrivent Financial for Lutherans, or its affiliates are not deposits or obligations of Thrivent Federal Credit Union, are not guaranteed by Thrivent Federal Credit Union or any bank, are not insured by the NCUA, FDIC or any other federal government agency, and involve investment risk, including possible loss of the principal amount invested. Must qualify for membership in TCU.
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