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FAQs

While working with Thrivent Financial and throughout your entire financial journey, questions are sure to arise. We can help you find the answers. Following are common questions and answers from individuals just like you.

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  • MyThrivent
    • Registration
      How do I register?
      Go to Thrivent.com and click "Register" link on the top-right corner of the screen. Then, follow these steps:
      1. Fill in your Thrivent Member ID number and birth date. Select the "Continue" button.
      2. Confirm your mailing address. Fill in your email address twice. Select the "Continue" button.
      3. Create a user ID and a password. Select three unique security questions and answers. Select the "Submit" button.
      4. Verify your registration is complete. Then, you may log in with your user ID, password and security question answer.
      Do cookies need to be enabled within my Web browser?
      Yes, you must enable cookies for Thrivent.com as a trusted site in order to register.
      What is my Thrivent Member ID number?
      Your Thrivent Member ID is located on your Member ID card, statements and contracts/policies.
      What are the rules for my user ID?
      Your user ID must comply with the following rules and is not case sensitive.
      • User ID is between six and 64 characters and cannot have blank spaces.
      • User ID allows the following special characters: ! ~ , . $ ^ *
      • User ID must begin and end with a letter or a number.
      • User ID cannot be your Social Security number, Thrivent member ID, email address or screen name.
      What are the rules for my password?
      Your password must comply with the following rules and is not case sensitive.
      • Password is between eight and 20 characters and contains at least one number.
      • Password allows the following special characters: ` ~ & ( ) - _ = + [ ] { } | / ; : ' , . ?
      • Password must be different from your user ID.
      • Password cannot contain more than three of the same character in a row.
      Are security question answers case sensitive?
      No, security question answers are not case sensitive.
    • Log In
      What if I forgot my user ID?
      You may request that your user ID be emailed to you online, or you can call Member Care Services at 800-847-4836 to receive it by phone. Say "Thrivent.com" when prompted.
      1. Go to MyThrivent.
      2. Choose the "Forgot User ID or Password" link.
      3. Choose either "Forgot User ID" or "Forgot User ID and Password."
      4. Enter your Thrivent Member ID number and birth date and click "Submit."
      What if I forgot my password?
      You may reset your password by calling Member Care Services at 800-847-4836. Say "Thrivent.com" when prompted.
      1. Go to MyThrivent.
      2. Choose the "Forgot User ID or Password" link.
      3. Choose "Forgot Password."
      4. Enter your user ID and birth date and click "Submit."

      Note: Passwords must comply with the following rules and are not case sensitive:

      • Password is between eight and 20 characters and contains at least one number.
      • Password allows the following special characters: ` ~ & ( ) - _ = + [ ] { } | / ; : ' , . ?
      • Password must be different from your user ID.
      • Password cannot contain more than three of the same character in a row.
      What if I don't know the answers to my security questions, got locked out, or received a "Login Failure" message.
      Please call the Member Care Services at 800-847-4836 and say "Thrivent.com" when prompted. Member Care Services is available to reset your security questions Monday to Thursday, 7 a.m. to 8 p.m. and Friday, 7 a.m. to 8 a.m., Central time. Then, you may select new security questions when you log in to MyThrivent.
    • Change Password or Security Questions
      How do I change my password?
      You may change your password when logged in to MyThrivent.
      1. Follow the "Update My Personal Information" link.
      2. Choose "Change Password" from the left navigation menu.
      3. Fill in the old and new passwords and click "Submit."
      What are the rules for my password?
      Your password must comply with the following rules and is not case sensitive.
      • Password is between eight and 20 characters and contains at least one number.
      • Password allows the following special characters: ` ~ & ( ) - _ = + [ ] { } | / ; : ' , . ?
      • Password must be different from your user ID.
      • Password cannot contain more than three of the same character in a row.
      How do I change my user ID?
      Please call Member Care Services at 800-847-4836 and say "Thrivent.com" when prompted. Member Care Services is available to change your user ID Monday to Thursday, 7 a.m. to 8 p.m. and Friday, 7 a.m. to 8 a.m., Central time.
      How do I change my security questions and answers?
      You may change your security questions and answers when logged in to MyThrivent. Security question answers are not case sensitive.
      1. Follow the "Update My Personal Information" link.
      2. Choose "Security Questions" from the left navigation menu.
      3. Fill in your password.
      4. Select three security questions and fill in the answer for each and click "Submit."
    • Payments, Billing & Purchases
      How do I pay a bill or make a payment or purchase?
      You may pay online, by phone, by check or from another Thrivent Financial product.

      Log in and click on the "Make Payments" tab when you follow the "Manage Contract or Account" link for online payment instructions. You can also call the Member Interaction Center at 800-847-4836. You will need the routing number for the financial institution and your checking or savings account number.

      Otherwise, go to the Forms page to download a Billing & Payments form as needed.

      What is the Thrivent mailing address for my check and to whom do I make it payable?
      Please follow these checks and forwarding instructions.
      Product Check payable to Mailing address for new applications and checks
      Thrivent Mutual Funds Thrivent Mutual Funds Thrivent Mutual Funds
      P.O. Box 219347
      Kansas City, MO 64121-9347
      Thrivent Financial Variable Annuities Thrivent Financial Thrivent Financial
      4321 Ballard Rd.
      Appleton, WI 54919-3005
      Thrivent Financial Variable Universal Life Thrivent Financial Thrivent Financial
      4321 Ballard Rd.
      Appleton, WI 54919-3005
      Brokerage and managed accounts National Financial Services (NFS) Brokerage & Advisory Services
      Thrivent Investment Management Inc.
      P.O. Box 8004
      Appleton, WI 54912-8004
      Financial plans (fees) Thrivent Investment Management Inc. Service Agreement Processing
      Thrivent Investment Management Inc.
      4321 N. Ballard Rd.
      Appleton, WI 54919-8200
      Non-Thrivent, nonproprietary securities products (e.g., Calvert Funds) Name of product provider (e.g., Oppenheimer, Calvert, Lincoln National, 529 Plans) Nonproprietary New Business
      Thrivent Investment Management Inc.
      4321 N. Ballard Rd.
      Appleton, WI 54919-3700
      Can I set up automatic, recurring monthly direct payments?
      Yes, you may set up direct payments from a checking or a savings account by submitting a Direct Payment form or using online banking. Or, you may establish ongoing direct payments from another Thrivent product. Otherwise, employer billing, payroll deduction or government allotment may be established on some retirement plans.

      Go to the Forms page to download a Billing & Payments form as needed.

      Can I schedule a payment or purchase on a weekend or holiday?
      Yes, any payment scheduled on a weekend or holiday will automatically be applied to the next business day.
      Where is my billing information?
      You may view your billing information online when logged in to MyThrivent.
      1. Follow the "Manage Contract" link.
      2. Select the "Billing" tab.
      How do I change my bill?
      You may change your bill online, by phone or in writing. Log in to MyThrivent to request online service.
      1. Follow the "Manage Contract" link.
      2. Select the "Billing" tab.
      3. Follow the link to request "billing & payment changes."
      4. Expand the list for the desired services and follow the prompts.
      5. Scroll down and click "Submit."

      Or, call the Member Interaction Center at 800-847-4836 to request service by phone. Otherwise, go to the Forms page to download a form.

      Can I pay the bill for my husband, wife, son, daughter or family member online through a group or third party bill?
      Yes, with the exception of long-term care, you may set up a group bill for contracts if the due dates are within 10 days of each other. Go to the Forms page to download a form. Once the group bill is established, the payer may log in to MyThrivent to view the billing information. Group bills may be paid online, by phone or by check.
      Did you receive my check, payment or purchase?
      When logged in to MyThrivent you may view payments as follows:
      1. Follow the "Manage Contract" or "Manage Account" link.
      2. Select the "Make a Payment" tab or follow the link to "Purchase Shares/View Pending Purchases" to view pending payments and purchases.
      Where is my payment/purchase history?
      When logged in to MyThrivent, you may view a history of recent payments. Follow the "Manage Contract" or "Manage Account" link. Follow the "View transaction history" link (annuity), select the "Payment History" tab (insurance) or follow the "History" link (mutual fund).
      Can I change, edit and delete my payment or purchase?
      Yes, you may edit pending online payments when logged in to MyThrivent.
      1. Select the "Pay Now" or "Purchase Now" button.
      2. Choose the contract or account and click "Submit."
      3. Select the radio button for the pending payment.
      4. Choose the "View," "Modify" or "Delete" link.
      5. Change the amount, effective date or tax year as needed.
      6. Click "Submit."
      7. Choose "Yes" to authorize the transaction.
      8. Choose to print the confirmation or choose "Close Window."
      How do I pay online?
      Follow the instructions below.
      1. Log in to MyThrivent.
      2. Choose the "Pay Now" or "Purchase Now" button.
      3. Select the contract or account.
      4. Click "Submit."
      5. Set up or select your bank account information.
      6. Fill in the payment amount or date as needed.
      7. Click "Submit."
      8. Authorize your payment or purchase by choosing "Yes."
      9. View and print the Confirmation of Pending Transaction and choose "Close Window."
      When will my payment or purchase be applied?
      Please allow five to seven business days for check payments to be processed. Online payments are applied on the effective date selected. It may take up to two business days for a payment or purchase to post to your account.
      How do I change my premium allocation?
      Premium allocation changes may be requested online (annuities only), by phone or in writing. Go to the Forms page to download a form.
      How do I change my annuity allocation online?
      Annuity allocation changes may be requested online (annuities only), by phone or in writing. Go to the Forms page to download a form.
      What is my premium allocation?
      The premium allocation describes how much of each payment is applied to each subaccount. You may view your premium allocation when logged in to MyThrivent.
      1. Follow the "Manage Contract" link.
      2. Select the "Allocation" tab to view your premium allocation information.

      Otherwise, go to the Forms page to download a form.

    • Manage Accounts
      How do I update my personal information and change my address, phone number, email, church, or financial profile online?
      You may change your personal information online as follows:
      1. Log in to MyThrivent.
      2. Follow the "Update My Personal Information" link.
      3. Choose the "UPDATE" link in the field of information you need to change.
      4. Fill in the current information and click "Submit."
      How do I change my delivery preferences, program or communication choices?
      You may change your preferences online as follows:
      1. Log in to MyThrivent.
      2. Follow the "Update My Personal Information" link.
      3. Choose "Communication Choices" from the left navigation menu.
      4. Choose "Go Paperless" or select your communication choices individually – "Email," "U.S. Mail," or "No Thanks," "Yes" or "No" for each item as needed.
      5. Click "Submit."

      For instructions, view the enroll in paperless delivery (PDF) instructions.

      If you are a brokerage client, view how to enroll in paperless delivery (PDF) of your brokerage documents.

      How do I request a brokerage transaction or get money out of my account?
      A Thrivent Financial representative may help you facilitate a trade. Member Care Services is available for brokerage account owners M – Th: 8 a.m. to 7 p.m., F: 8 a.m.to 5 p.m. Call 800-847-4836 and say "Brokerage" when prompted.
      Where should I send paperwork for a brokerage request?
      Most forms may be faxed to Broker/Dealer and Investment Advisor (B/D and IA) Services at 855-828-8408. For some account transfer forms, you may need to mail us the originals. Checks must be made payable to National Financial Services (or NFS).

      Regular mail:
      Brokerage & Advisory Services
      Thrivent Investment Management Inc.
      P.O. Box 8004
      Appleton, WI 54912-9864

      For express/overnight mail:
      Brokerage & Advisory Services
      Thrivent Investment Management Inc.
      4321 N. Ballard Rd.
      Appleton, WI 54919

      How do I request a withdrawal?
      You may request an annuity withdrawal or partial surrender online as follows:
      1. Log in to MyThrivent.
      2. Follow the "Manage Contract" link.
      3. Choose the "Perform Annuity Transactions" link.
      4. Select "Partial Withdrawal" from the left navigation menu.
      5. Choose the delivery method (check or direct deposit). Follow the "Update Bank Information" link and fill in the routing number, account number, account type and current financial institution as needed.
      6. Fill in or select the withdrawal amount.
      7. If it is a variable annuity, choose "Pro-rata" or "Specific subaccounts by dollar value" and fill in the amount to withdraw from each subaccount as needed.
      8. Select the "Continue" button.
      9. Choose the net amount you would like to receive considering the quoted withholding, charges, and/or adjustments.
      10. Choose the "Modify Tax" button and change the federal or state withholding if desired and click "Recalculate."
      11. Select the "Continue" button.
      12. Confirm the transaction, check the box to agree to all disclosures, and select the "Yes" button.

      Otherwise, go to the Forms page to download a form.

      How do I request a variable annuity subaccount transfer or reallocation?
      You may request a subaccount transfer for a variable annuity online as follows:
      1. Log in to MyThrivent.
      2. Follow the "Manage Contract" link.
      3. Select the "Allocation" tab to view your current subaccounts.
      4. Follow the "Perform Annuity Transactions" link.
      5. Choose "Manage Subaccounts" from the left navigation menu.
      6. Select "Total Reallocation", "Partial Reallocation – Dollars" or "Partial Reallocation – Percent".
      7. Fill in the new percentages for a total reallocation and check the box to change the premium allocation as needed. Or, fill in the dollar amount or percent to transfer from each subaccount and fill in the dollar amount or percent to transfer to each subaccount.
      8. Scroll down and select the "Continue" button.
      9. Confirm the transaction by choosing "Yes."

      Otherwise, go to the Forms page to download a form.

      How do I change my variable annuity premium allocation?
      You may request an allocation change for a variable annuity online as follows:
      1. Log in to MyThrivent.
      2. Follow the "Manage Contract" link.
      3. Select the "Allocation" tab to view your current subaccounts.
      4. Follow the "Perform Annuity Transactions" link.
      5. Choose "Payment Allocation" from the left navigation menu.
      6. Fill in the new allocation percentages.
      7. Scroll down and select the "Continue" button.
      8. Confirm the transaction by choosing "Yes."

      Otherwise, go to the Forms page to download a form.

      How do I redeem, take money out or sell shares of my mutual fund account?
      If available under your account registration, you may redeem mutual fund shares as follows:
      1. Log in to MyThrivent.
      2. Follow the "Manage Account" link.
      3. Choose the "Sell Request" link.
      4. Choose the delivery method (check or direct deposit).
      5. Fill in the dollar amount, number of shares, percent of shares or choose sell all shares.
      6. Select the cost basis option, select "Estimate Gain/Loss" and click "Continue."

      Otherwise, go to the Forms page to download a form.

      How do I transfer or exchange money between mutual funds?
      You may request a mutual fund exchange to a new or existing fund online as follows:
      1. Log in to MyThrivent.
      2. Follow the "Manage Account" link.
      3. Choose the "Exchange Request" link.
      4. Fill in the dollar amount, number of shares, percent of shares or choose all shares.
      5. Select the existing fund and fill in the account number or select a new fund into which you want to exchange.
      6. Select the cost basis option, select "Estimate Gain/Loss" and click "Continue."

      Otherwise, go to the Forms page to download a form

      Why can't I view contracts or accounts for my wife, husband, son or daughter?
      Each owner must register and log in separately in order to maintain privacy.
      How do I view my personal annuity, insurance, mutual fund or brokerage contract or account values?
      You may view your contract and account values when logged in to MyThrivent as follows:
      1. Go to MyThrivent.
      2. Enter your user ID and password and select the "Log In" button. If you are not already registered, choose "Register Now" and follow the prompts.
      3. Follow the "Manage Contract," "Manage Account" or the "Access Account Details" link to view values and other details as needed.
      How do I view my business or trust mutual fund account values?
      You may view your business or trust mutual fund account values online as follows:
      1. Go to the Business and the Trust Accounts Login.
      2. Select the type of account you would like to access.
      3. Select the type of mutual fund. Fill in the account number. Enter the Tax Identification Number (TIN). Fill in the Personal Identification Number (PIN). Select the "View Accounts" button.
      How do I view my business or trust brokerage account values?
      You may view your business or trust brokerage account values online as follows:
      1. Go to Business & Trust Accounts Login.
      2. Select the type of account you would like to access.
      3. Enter your user ID and PIN. Select the "Enter" button.
      4. Follow the "Access Account Details" link to view values.
      How do I view my credit union account values or access online banking?
      Go to Thriventcu.com (Link opens in new window) to access online banking and view your Thrivent Federal Credit Union account values.
      Can I bookmark MyAccounts or add it to my favorites?
      No, you may not bookmark secure Web pages with your personal contract or account information. In order to protect your privacy, you must log in each time you choose to access your accounts.
      How do I view, send or delete a secure message?
      Secure messaging allows you to correspond with Thrivent Financial through secure emails when logged in to MyThrivent. You may access Secure Messages as follows:
      1. Log in to MyThrivent.
      2. Scroll down to the Message Center in the bottom left corner and select the "Message Center" button.
      3. Choose the "Compose Message" button to write a new message. Or choose an existing message and use the to "Reply," "Delete" or "View" icons as needed.
      4. Close the window when done.
    • Update Beneficiaries
      How do I view or change my beneficiary on an annuity or insurance contract?
      You may change your beneficiary online as follows:
      1. Log in to MyThrivent.
      2. Follow the "Manage Contract" link.
      3. Select the "Beneficiary" tab to view the current beneficiary.
      4. Select the "Create New" button and follow the prompts to fill in the new beneficiary.
      5. Confirm the request and click "Submit."

      Otherwise, go to the Forms page to download a form.

      How do I view or change my beneficiary on a mutual fund account?
      You may view your beneficiary online, but a form is needed to change your beneficiary.
      1. Log in to MyThrivent.
      2. Follow the "Manage Account" link.
      3. Choose the link to "View Beneficiaries."
      4. Select "Mutual Funds Beneficiary Designation Form."

      Otherwise, go to the Forms page to download a form.

    • View Statements & Documents
      How do I view paperless statements online for annuities, insurance, mutual funds, or quarterly reviews?
      You may view statements when logged in to MyThrivent as follows:
      1. Follow the "View Statements & Documents" link.
      2. Select the statement you want to view under the "Document" column.
      3. Depending on your browser, you can choose to open your statement as a PDF or save it to your computer.

      The Technical Support FAQs may help you if a statement does not open on your first attempt.

      How do I view paperless brokerage statements online?
      You may view statements when logged in to MyThrivent as follows:
      1. Follow the "View Statements & Documents" link.
      2. Choose "Access Brokerage Account Statements."
      3. Select the "Accounts" tab near the upper left-hand corner and choose an account number.
      4. On the pop-up menu, choose "Statements & Records," then click "Confirm."
      5. Select a time period to narrow your search by trade date or confirm date.
      6. Select the "Search" button.
      How do I go paperless, choose email delivery, or change my delivery preferences for annuities, insurance and mutual funds?
      You may view the Go Paperless (PDF) instructions or follow these steps:
      1. Log in to MyThrivent.
      2. Follow the "Manage delivery options" link.
      3. Choose "Email" or "U.S. Mail" for each item.
      How do I go paperless, choose email delivery or change my delivery preferences for brokerage accounts?
      You may view the Brokerage Go Paperless (PDF) instructions or follow these steps:
      1. Log in to MyThrivent.
      2. Select "Profile" and choose "Edit Account Details."
      3. Enter your email address twice.
      4. Update the document delivery instructions, choose "Save Edits" and select the "I Agree" button.
    • Conservatorship, Guardianship & Power of Attorney
      Do I need court documents for guardianship or conservatorship?
      If you were appointed by a court to make legal decisions for someone else, fax or mail a copy of the court documents to inform Thrivent Financial.

      Mail to:
      Member Care Services
      4321 N. Ballard Rd
      Appleton, WI 54919-0001 USA

      Fax to:
      800-225-2264

      How do I get a guardian or conservator appointed?
      An attorney may help you file a petition with the court.
      Why do I need a power of attorney document?
      A copy of a power of attorney document must be faxed or mailed to Thrivent Financial before you may access information and transact for someone else.

      Mail to:
      Member Care Services
      4321 N. Ballard Rd
      Appleton, WI 54919-0001 USA

      Fax to:
      800-225-2264

      How do I get a power of attorney document?
      An attorney may create a power of attorney document for you.
    • Customer Account Record Mailing
      Why do I receive this letter?
      According to the Securities and Exchange Commission's (SEC) Books and Records Rule, we are required to ask you to review (and update, if necessary) your Customer Account Record(s) at least every 36 months. The primary purpose of Rule 17a-3 (Books and Records) is to provide regulators access to books and records to review for compliance with suitability rules. In 2001, the Securities and Exchange Commission (SEC) amended Rule17a-3 (Books and Records). The revised amendments, in part, require that broker-dealers obtain, store, maintain and return client and suitability information for all owners of securities products. See more information at www.sec.gov/rules/final/34-44992.htm (Link opens in new window).
      What products does this pertain to?
      The rule covers owners of all securities products including variable universal life, variable deferred annuities, variable immediate annuities, variable settlement options, mutual funds, 529 Plans and brokerage products, including equities, fixed-income products, options, etc.
      What is a registration?
      A registration is a categorization of securities being held at Thrivent Investment Management Inc. We have 15 registrations – common to those found at most broker-dealer firms. The registrations are: Individual, Joint, Business, IRA, Roth IRA, SEP IRA, Employer Retirement Plan, 401(k), SIMPLE IRA / SARSEP, 403b, Trust, Estate, 529 Plans, Education, Custodial.
      Do I need to return the form that's enclosed with the letter?
      If the information is complete, correct and up to date, no response is needed. If corrections are needed, go to Thrivent.com/updateaccount and update your financial profile.
      What if information is inaccurate or missing and I do not return the form?
      Thrivent Investment Management Inc. is required to ask you for the most current information. If your information is incomplete, you will receive a follow-up letter. You're encouraged to provide us with the most current and accurate information to help identify and manage financial solutions that match your needs and values.
      What if I don't want to disclose this information?
      You are not required to provide this information. You are encouraged to provide this information to help identify and manage financial solutions that match your needs and values.
      Where should I send the completed form?
      You can submit changes in one of three ways:
      1. Log in to your Thrivent.com/updateaccount and update your financial profile.
      2. Return the form to:
        Thrivent Financial
        4321 N Ballard Rd
        Appleton WI 54913-9847
      3. Fax form to: 800-225-2264.
      Can I provide this information over the phone?
      The fastest way to update your information is to go to Thrivent.com/updateaccount and update your financial profile. You can also contact a customer service representative by calling 800-847-4836 and saying "privacy."
      There are additional owners on this account; will all owners receive the same letter?

      No. The mailing is sent to the primary owner. We ask that the primary owner coordinate with the other account owner(s) to make any necessary updates or changes to the information.

      For custodial accounts, the letter will be sent to the custodian or guardian of record.

      How often will I receive this type of letter?
      As required by the SEC ruling, we request updates periodically if there has been no activity-related review or update to your data within the past three years. Additionally, if there are changes to certain existing registration information (i.e., investment objective, risk tolerance), you will receive another letter confirming that information. You do not need to respond if all the information is accurate.
      I don't want to receive these letters. May I avoid them?
      No. All broker-dealer firms are required by the SEC to conduct these mailings.
      These forms include personal information; what is Thrivent Financial's policy with respect to keeping personal information private?
      Protecting the privacy of your information is a responsibility we take very seriously. We understand the information is personal, and we view confidentiality as critical. Thrivent Financial upholds strict standards of security to safeguard all client information. Read more information about our privacy policy.
  • Technical Support
    • General
      What desktop and laptop browsers are supported?
      Our site is best accessed using one of the following browsers:

      Note: Firefox users may not be able to add or delete portlets in MyThrivent.

      For the best experience, be sure to use the following browser settings:

      • JavaScript enabled.
      • Cookies enabled.
      • Images enabled.
      • Medium/normal text size setting.
      • Minimum screen resolution setting of 1024x768.
      • If your browser's security settings are set too high, you may need to enter Thrivent.com as a trusted site.

      Other browsers and settings may work, but we cannot guarantee quality access.

      What mobile browsers are supported?
      For Thrivent.com pages designed for viewing on mobile devices, we support the following mobile browsers:
      • Apple Safari on iOS 7 and iOS 8.
      • Google Chrome 39 or above on Android 4.1 or higher.
      • Android Browser on Android 4.1 or higher.

      Note: When logged in, you may not be able to add or delete portlets in MyThrivent.

      What plug-ins or add-ons are recommended?
      We recommend the following browser plug-ins/add-ons:

      Other plug-ins/add-ons may work, but we cannot guarantee quality access.

      Why am I unable to view a PDF form?
      Some PDF forms may not display correctly in some browsers. To view all PDF forms on our site, Adobe Reader (Link opens in new window) should be installed. You may also need to follow additional steps to ensure quality access to PDF forms.
      • Internet Explorer: All forms should display correctly with Adobe Reader installed.
      • Safari: Some PDF forms may not display correctly within Safari. These forms should be downloaded to the computer (hold down the Control key while clicking the link, select "Download Linked File As," then choose a location on your computer), then open the PDF using Adobe Reader.
      • Firefox: Some PDF forms may not allow you to fill them in when viewed within the Firefox default PDF viewer. After opening up the PDF in Firefox, if you are presented with the "Open With Different Viewer" button in the upper-right, click this, then choose "Open with Adobe Reader." If you do not see this button, then the PDF is already displaying properly.
      • Chrome: Some PDF forms may not display correctly within Chrome. To correct this issue:
        1. Enter "chrome://plugins" in the URL address bar.
        2. Under "Chrome PDF Viewer," click "Disable."
        3. Make sure the "Adobe PDF Plug-In" is enabled.
    • FinanceWorks
      What is FinanceWorksTM?
      FinanceWorks is a free online financial management solution offered by Thrivent Federal Credit Union and powered by Quicken that allows you to view all of your bank, investment and retirement accounts in an instant at one site.
      How do I access my accounts in FinanceWorksTM?
      Log in to Thriventcu.com (Link opens in new window) and choose "FinanceWorks." Access to FinanceWorks requires an active Thrivent Federal Credit Union online banking profile.
      How do I troubleshoot error or issues with FinanceWorksTM?
      Contact Thrivent Federal Credit Union by phone at 866-226-5225. Regular business hours are Monday to Thursday, 7 a.m. to 8 p.m.; Friday, 7 a.m. to 6 p.m.; and Saturday, 8 a.m. to 1 p.m., Central time.
    • Quicken
      Can I download my Thrivent accounts to Quicken?
      Quicken downloads are supported for Thrivent Mutual Funds. At this time, annuities and insurance contracts cannot be directly downloaded to Quicken.
      How do I download Thrivent Mutual Fund accounts to Quicken?
      Thrivent Mutual Fund values may be downloaded to Quicken version 2011 or newer as follows:
      1. Log in to MyThrivent.
      2. Select the "Download to Quicken" button on the right-hand side of the page.
      3. Choose the accounts for the download and click "Submit." Quicken will automatically open once the file is downloaded. Note: The first time an account is downloaded, you may need to select "Create a new account." Select the account type, such as "Investment," "IRA" or "529," and name the account.
      4. Then, select the "Import" button for Quicken to import transactions that were not already imported. Note: Go to the "Contact Us" section of Quicken.com (Link opens in new window) to request support from Intuit as needed.
      Can I download my brokerage account tax information into Quicken and TurboTax?
      Yes, this can be done after accessing your member-specific user ID and PIN from mystreetscape.com (Link opens in new window).
      1. Go to mystreetscape.com (Link opens in new window) and click "Register Now."
      2. Enter your personal information to verify your identity and click "Next."
      3. Enter your Thrivent Brokerage account number and click "Next."
      4. After you see the message "We've verified your Identity," click "Register."
      5. Create a PIN and establish a security question and answer to help verify yourself in the future.
      6. Take note of your user ID and PIN as it will be required for Quicken and TurboTax access.
      Who do I contact if I cannot locate my user ID and PIN?
      You have several options. You can follow the "Register Now" instructions above to access your ID and reset your PIN, or you can call Member Care Services at 800-847-4836 and say "Brokerage" where a representative will verify your information and provide your ID. You may then use the "Forgot/Reset My PIN" options at mystreetscape.com (Link opens in new window) to establish a new PIN.
      Who do I contact if I have questions after I have entered my user ID and PIN into Quicken and TurboTax?
      Please contact Quicken Support at quicken.intuit.com (Link opens in new window) or TurboTax at turbotax.intuit.com (Link opens in new window).
  • Free & Discounted Services
    • Identity Monitoring
      How does the identity monitoring program work?
      Enroll

      To enroll, click on either the Experian ProtectMyID® Select button or, for the more comprehensive product, the Experian ProtectMyID® button. (You will be asked to log in using your Thrivent.com username and password. If you don't have a Thrivent.com username and password, follow the easy steps to create one. And, if you are not already a member, you may apply now.)

      1. Visit website.
      2. Once you've been verified as a Thrivent Financial member:
        • If you've selected the Experian ProtectMyID Select product, you will receive an activation code and be directed to the Experian website. Here, you will enter your unique activation code (no credit card is required) and verify your personal information.
        • If you've selected the comprehensive Experian ProtectMyID product, you will go directly to the Experian's ProtectMyID website where you will need to verify your personal information and enter your credit card information to arrange for automatic payment of the product fee.
      3. Access product.

      When the order process has been completed, you'll receive a thank-you webpage and a link to the ProtectMyId Protection Center. You will have immediate access to this customized center, where you will be able to view your Experian credit report and start setting up various features within your membership package.

      The thank you webpage and your personalized Experian Protection Center include a phone number you can use if you have questions or need to contact an Identity Theft Resolution Agent. The Experian Protection Center also includes a direct link to the Identity Theft Resolution Agents.

      When does the monitoring become effective?
      You will have immediate access to your Experian credit report and ProtectMyID Protection Center once you enroll in the offer. Monitoring is effective within three days of enrollment.
      Do I have to be a benefit member of Thrivent Financial to enroll?
      No. All members of Thrivent age 18 or older are eligible for this membership benefit. This benefit is available on an individual, NOT household, basis. Membership will be verified and confirmed prior to receiving an activation code for the Experian ProtectMyID Select product offer. Membership verification for enrollment in the Experian ProtectMyID product offering will be verified before redirecting to the Experian ProtectMyID website. No activation code is necessary for the Experian ProtectMyID product offering.
      Does Thrivent Financial also get copies of my identity information or my credit report?
      No, Thrivent does not receive or have access to any of the personal information that you share with Experian. Your enrollment in Experian's ProtectMyID or ProtectMyID Select does not allow Thrivent to receive or have access to any of the information that Experian ProtectMyID provides to you through their identity protection products.
      Why is ProtectMyID Select only free for the first two years?
      Thrivent Financial believes that identity monitoring is an important benefit and wants to provide Thrivent members with the opportunity to experience and value this benefit. From a budgetary and cost perspective, Thrivent is only able to offer this product free for a two year time period.
      Can I enroll if I don't have a computer? If yes, how will I receive updates or alerts?
      Experian ProtectMyID® Select is only available by enrolling online, so you will need access to a computer and an email address to enroll. Updates and alerts can be sent to an email address or via SMS text message. As an online-only product, we are able to offer this benefit in an affordable way while remaining good stewards of our funds. It would be cost prohibitive for Thrivent Financial to provide this product via multiple enrollment options to members.

      If you choose the Experian ProtectMyID® plan, a phone number is available on Experian's ProtectMyID website, should you need enrollment assistance. Updates and alerts can be sent to you via text alerts, email or to your home address.

      Will I receive both a credit report and a credit score with my identity monitoring membership benefit?
      When you enroll you will receive an Experian credit report. You will not receive a credit score. If you wish to receive your credit score, it will be available to you for an additional discounted fee. To learn more about the differences between credit reports and credit scores, please review Experian's Credit FAQs (Link opens in new window).
    • Discounted Legal Services
      Do the discounts cover court costs and filing fees?
      No, the discounts apply only to the attorney's hourly fees (as well as the special free and flat-fee packages of legal services available to Thrivent Financial members). You will be responsible for paying any court costs, filing fees, fines, etc. These details are listed in the full legal plan, which is posted on the enrollment web-page. Go to Thrivent.com/discountedlegal and click on "Enroll Now." You'll see the plan attached on the U.S. Legal Services enrollment page at the top right. Or, call U.S. Legal Services toll-free at 866-416-5297, to get answers to questions about the exclusions and limitations of the plan.
      What criteria do the attorneys in the network have to meet?
      The attorneys in the U.S. Legal Services network must meet the following criteria:
      • Must have five or more years of experience as a private practice attorney.
      • Must be licensed by their state bar association and be in good standing.
      • Must carry the state minimum malpractice insurance coverage.
      I've been working with an attorney who isn't in the U.S. Legal Services network. How could this attorney join the network?
      If the attorney meets the criteria listed in the previous question, he or she could contact U.S. Legal Services to join the network. The attorney can call U.S. Legal Services toll-free at 866-416-5297. Ask to speak to Vera (ext. 341), the attorney recruitment coordinator at U.S. Legal Services. Remind the attorney to mention the legal plan for Thrivent Financial members.
      Will Thrivent Financial or my Thrivent Financial representative know which legal service or attorney I use?
      No. U.S. Legal Services does not tell Thrivent Financial which legal service or attorney you use, or any information that you share with the attorney. U.S. Legal Services does provide Thrivent with a list of the Thrivent Financial members who are participating in this membership benefit (i.e., members who enroll in the plan and pay a $6 monthly fee).
      Should I let my Thrivent Financial representative know about legal services I've used that might impact my financial products?
      Certain legal services – such as wills, trusts, durable powers of attorney for financial management and others – may impact your financial plan. Therefore, it may be wise for you to update your Thrivent Financial representative about using these legal services. It is your responsibility to provide that information to your Thrivent Financial representative, if you choose to.
    • Independent Living
      When does the benefit become effective?
      You will have immediate access to Silver Brick Road once you enroll in the membership benefit.
      Do I have to be a benefit member of Thrivent Financial to enroll?
      Yes, as long as Thrivent Financial continues to offer the Independent Living benefit. However, Thrivent could change or discontinue this benefit at any time.
      Can I enroll if I don't have a computer?
      No. The Independent Living resource is an online-only membership benefit, so you must have access to a computer and an email address in order to enroll.
      How does this membership benefit work with a long-term care insurance policy? And, does this benefit replace the need for long-term care insurance?
      This membership benefit does NOT replace the need for long-term care insurance. For those members who have long term care insurance, they will want to check with their provider to understand their coverage before electing help through the "Expert Services" feature, or before contracting for health care provider services that might be listed on the "Find Services" feature.
      Since the benefit is renewable annually, can a member renew as many times as he or she chooses?
      Yes, as long as Thrivent Financial continues to offer the independent living benefit. However, Thrivent could change or discontinue this benefit at any time.
  • Thrivent Choice®
    • General
      Should I purchase or maintain insurance or annuity products from Thrivent Financial so I can be eligible to direct Choice Dollars® or direct more Choice Dollars?
      No. Thrivent Financial has many unique differences as a fraternal benefit society, including our ability to make a positive impact with members in their communities and congregations. While Thrivent wants eligible members to participate in Choice Dollars to help distribute charitable funds effectively to nonprofit organizations, you should never purchase or retain any insurance or annuity products simply to be able to direct Choice Dollars®. You should only purchase and keep the insurance and annuity products that best meet the financial security needs of you and your family, considering the cost, features and benefits of particular products.
      How do I opt out of the Thrivent Choice program?
      To opt out of the Thrivent Choice program, simply visit the Preference Center. Once there, select the Program Choices tab and click on the "No" button in the Participate column. (Please note: you must be logged into Thrivent.com to access the Preference Center.)
      What if I have additional questions about Thrivent Choice®?
      Please call one of our Customer Care Professionals at 800-847-4836 and say "Thrivent Choice" when prompted.
    • Choice Dollars®
      Why is directing Choice Dollars a "request and recommendation" to Thrivent Financial and not really a decision by members as to how funds will be spent?
      Though benefit members who are eligible to direct Choice Dollars also help support Thrivent Financial, their product ownership or volunteer leadership do not create any ownership or decision-making rights in any funds of Thrivent. No individual members have spending authority under Thrivent Choice. Thrivent is responsible to its membership as a whole as to how its charitable funds are used. Participation in Thrivent Choice is completely voluntary. Thrivent's insurance and annuity products are competitively priced, and members do not pay any additional amount to be able to direct Choice Dollars. In addition, Thrivent Choice has a fixed budget and Thrivent needs to maintain full authority to spend or not spend funds to manage its expenses.
      If a member directs Choice Dollars to an organization, will Thrivent Financial definitely pay the organization the amount of Choice Dollars that were directed to the organization?
      No. The Terms and Conditions of Thrivent Choice clearly state that directing Choice Dollars is a request and recommendation to Thrivent Financial to provide funding to designated organizations. Accordingly, there is no guarantee or agreement that grant funds will be provided to organizations in accordance with how members direct their designated Choice Dollars. Thrivent retains total discretion as to whether or how all Thrivent Choice funds are distributed.
      Why don't members qualify for Choice Dollars based on ownership of Thrivent Mutual Funds, Thrivent Life Insurance Company variable products and Thrivent Federal Credit Union products?
      As a fraternal benefit society, the money we dedicate to charitable programs, such as Thrivent Choice, comes from the sale of fraternal benefit society products (Thrivent Financial life insurance, health insurance or annuities). The funds we would otherwise pay in taxes from the sale of those products (if we weren't tax-exempt) allow us to work with and through our chapters and members to help others – an important part of our mission. We offer other products (mutual funds, credit union products) because they fill important financial security needs for our members, but they're not products of the fraternal benefit society. They are sold by for-profit subsidiaries, and do not generate funding for charitable programs, such as Thrivent Choice and Care Abounds in Communities.
      How do I direct Choice Dollars?
      See the instructions in the How to Direct Thrivent Choice Dollars handout. For additional information, contact your Thrivent Financial representative or call 800-847-4836.
      What are approximate Choice Dollars?
      Approximate Choice Dollars represent our estimate of the designated Choice Dollars you will be able to help direct annually, assuming a full year of eligibility. The approximate amount is estimated based on your qualifying annual billed premium amounts, qualifying contract values and qualifying Thrivent Financial leadership positions held. Approximate annual Choice Dollars may vary from the actual amount of Choice Dollars designated to you, based on premiums paid, contract value and how much of the year you are actually eligible to participate in Choice Dollars.
      How is the amount of Thrivent Choice Dollars designated to me determined?
      The amount is based on your Thrivent Financial volunteer leadership, your insurance premium amount and your contract value of qualifying products. In 2015:
      • $2.30 Choice Dollars per $100 of annual premium on qualifying insurance products is designated monthly based on the premium payments you made in the prior month.
      • $1.15 Choice Dollars per $1,000 of contract value of qualifying products is designated on a quarterly basis. 25% of this amount will be designated to you each calendar quarter based on the actual contract value at the end of the quarter.
      • $50 Choice Dollars for holding a qualifying Thrivent volunteer leadership position is designated once each year.
      Is there a minimum amount of Choice Dollars I can direct to an organization?
      Yes. You can direct a minimum of $5 Choice Dollars per organization per transaction.
      Can I split Choice Dollars between organizations?
      Yes. You may direct Choice Dollars to 501(c)(3) nonprofit organizations and congregations from our catalog of more than 24,000 national and local organizations.
      What do the statuses of "requested" and "paid" mean on my Activity History page?
      "Requested" means that you have directed Choice Dollars to the listed organization, but the requested grant has not yet been made by Thrivent Financial. "Paid" means the requested grant has been electronically paid to the organization by Thrivent. Unless Thrivent determines that the grant recommended by the member will not be made, the requested grant will be paid electronically to the organization on the 5th of the following month.
      When directing Choice Dollars to organizations or congregations, can members designate the funds to be used for a certain purpose/ministry?
      Through Thrivent Choice, members aren't able to designate funds to a specific purpose or ministry within an organization or congregation. All funds distributed under Thrivent Choice are exclusively Thrivent's funds, and are never owned by members or paid on behalf of members. Thrivent's charitable funds distributed through Thrivent Choice are not designated for any specific purposes.
      Can I write off Choice Dollars off on my taxes?
      No. Choice Dollars are not part of your income nor are they tax deductible. By directing Choice Dollars, you are recommending that Thrivent Financial donate an amount of its charitable funds to one or more nonprofit organizations. All funds distributed under the Thrivent Choice program are exclusively Thrivent's funds, and are never owned by members or paid on behalf of members.
      Can I change my Choice Dollars direction?
      Yes, if you do so before verifying your Choice Dollars direction. After choosing Direct Now, you will be asked to verify your Choice Dollars direction. Once you have verified, you cannot change your direction.
      Can I contribute my own money to increase the impact of the Thrivent Choice program?
      Yes. Choice Dollars are intended to complement, not replace, personal donations to your preferred organizations. Nonprofit organizations rely heavily on individuals, like you. Your personal donations make a big difference.
      What happens to undirected Choice Dollars?
      Eligible members have until March 31 of the following year to direct Choice Dollars they are designated. If the Choice Dollars® haven't been directed by then and there are remaining funds in the program budget, Thrivent Financial may choose to use some of the funds to further promote participation in the program or for other purposes. The goal is to get the greatest amount of eligible members involved to recommend how Thrivent's charitable funds are distributed.
  • Thrivent Action Teams
    • General
      What organizations are eligible to receive Thrivent Action Team projects?
      Most 501(c)(3) organizations are eligible. To see if an organization is approved for a Thrivent Action Team project, you can search organizations in the Thrivent Choice® catalog. All organizations that are approved for Thrivent Choice® are also approved for Thrivent Action Teams.
      How long before the start of my project should I apply?
      Submit the application at least 21 days prior to the project start date. We need time to review your application and let you know of its approval status. You'll also need time to receive your Thrivent Action Team Kit, plan your project and recruit your team.
      How do I know if my Thrivent Action Team will be approved?
      You will receive an email within five business days indicating whether or not your Thrivent Action Team application was approved.
      How and when will I receive a Community Impact Card?
      The Community Impact Card is included in the Thrivent Action Team Kit. Depending on the geographical location, the Thrivent Action Team Kit will be delivered 10 to 17 days from approval of application. Please allow an additional one to five days for delivery to a P.O. Box.
      What should I do with the Community Impact Card after my project or activity is complete?
      The card will deactivate automatically 120 days after your project date. Please cut up your card and dispose of it after your project is complete.
      Can I be reimbursed if I use my own money or credit card?
      No. You can charge up to $250 on the Community Impact Card for expenses related to your project or activity. If you exceed this amount, or if a merchant does not accept the Community Impact Card, you will not be reimbursed for any charges you pay for with your own money, check or credit card.
      To whom do I report a lost or stolen card?
      Please contact a representative from Member Care Services as soon as you discover the card is missing. Call 800-847-4836, and say "Fraternal."
      Who do I contact if I have questions about the Community Impact Card?
      Call Member Care Services at 800-847-4836, and say "Fraternal."
    • Using the Card
      Do I need to activate the card before using it?
      Yes, you need to activate the card and agree to the terms of use by following the steps outlined in the Community Impact Card Activation Instructions (PDF).
      How should I use the Community Impact Card?
      Use it like a normal credit card virtually anywhere VISA is accepted as payment for services or products. If you use your own money or credit card instead of the Community Impact Card, you will not be reimbursed for those expenses.
      How do I sign for purchases?
      Sign for purchases just as you would for any other credit card.
      How do I use the card to make online purchases?
      Use the following information when asked for "Billing Address" and enter your own information for "Shipping Address."
      • Shipping Address – Enter the address where the item(s) should be shipped, if different than the Thrivent Action Team leader's information.
      • Billing Address – Enter the Thrivent Action Team leader's personal address and ZIP code.
      • Billing Phone Number (if applicable) – Enter the Thrivent Action Team leader's home phone number.
      • Name on U.S. Bank VISA card (if applicable) – Enter the name on the card, such as Thrivent Action Team ####.
      What happens if I try to use the Community Impact Card at a merchant and it's declined?
      Did you activate the card? If not, follow the steps outlined in the Community Impact Card Activation Instructions (PDF).
      • The transaction amount may exceed the available balance remaining on the card. If this is the case, call the number on the back of the card to learn the available balance. (See "How can I check the available balance on my card?" below.)
      • The merchant does not accept VISA credit cards. Sam's Club, Costco and Aldi's are examples of merchants that do not accept VISA credit cards as payment. Costco will accept this card for online purchases.
      How can I check the available balance on my card?
      1. Call the phone number on the back of the Community Impact Card.
      2. Enter the 16-digit card number listed on the front of your Community Impact Card.
      3. When prompted for a ZIP code, enter the Thrivent Action Team leader's personal ZIP code.
      4. Press option 2 to get your current balance and your available balance.

      Note: Once you have used the card, the available balance will appear in real time, but the current balance may not. For example, a transaction you make today goes against your available balance. However, that same transaction can take up to five days to be deducted from your current balance, depending on when the merchant posts the transaction to the account. If you have NOT used the card yet, the system will state the available balance is zero. Please be assured that there is $250 available.

      How do I make a purchase that exceeds the spend limit or amount remaining on my card?
      Prior to the transaction, you will need to inform the merchant of the exact available balance remaining on the card, so the merchant can apply that amount toward your purchase. If you still owe money for the purchase, please seek an alternative funding source (e.g., fundraiser, personally contribute) for the remainder of your purchase. Thrivent Financial will not reimburse you for expenses you paid with your own money or credit card.
      What does Thrivent do with any unused funds from my card?
      All unused funds will be reinvested in the program for future Thrivent Action Teams.
    • Tracking Expenses
      Do I need to track my expenses?
      It's important to know how you spent the money you received to support your Thrivent Action Team project. As a best practice, you may want to create a simple method to help you track expenses.
      Do I need to submit receipts for my expenses?
      No. However, please retain receipts for all purchases made on the card for up to one year, and be prepared to submit applicable receipts if there is a question about a specific charge. This also helps you track your expenses so you know your available balance on the Community Impact Card.
  • Governance & Board of Directors Election
    • Governance
      What are the main roles of the board?
      The board is responsible for the following:
      • Approving a corporate mission statement.
      • Selecting, evaluating and compensating the CEO and other senior executives.
      • Selecting appointive directors.
      • Ensuring management succession.
      • Reviewing and approving management's strategic and business plans and monitoring performance against the plans.
      • Reviewing and approving material transactions not in the ordinary course of business.
      • Establishing policies.
      What role does the board play in establishing the long- and short-term strategic direction of the organization?
      The role of the board is to evaluate the long-term strategic intent and short-term strategies proposed by management, challenge the assumptions and substance of the proposed strategies, approve the strategies, monitor execution and encourage changes as events require.
      How does Thrivent Financial benchmark its performance?
      Thrivent has a broad range of competitors, including: other financial services companies (both stock companies and mutual organizations), fraternal benefit societies, non-profit entities and others.
      How many members are on the board and what are the term limits?
      The board currently consists of 14 directors (11 elective, two appointive and one principal officer). Per the articles and bylaws, the board can consist of 10 to 12 elective directors, up to four appointive directors and not more than two principal officer directors. No less than two-thirds of the directors must be elected directly by Thrivent benefit members.
      • Elective Directors
        Ten to 12 elective directors, elected from among Thrivent's benefit members, serve four-year terms each. During each election year, benefit members elect three or four new elective directors.
      • Appointive Directors
        The board may appoint up to four benefit members to serve as appointive directors as distinguished from directors elected by Thrivent benefit members for a one-year term. Any appointment or reappointment requires the affirmative vote of a majority of the elective directors.
      • Principal Officer Directors
        The board may appoint not more than two principal officers to serve as directors.
      How is the board elected?
      Thrivent has a representative form of government with each benefit member's vote carrying equal weight. Each year, Thrivent chapters, Member Networks and the board of directors can nominate candidates for election to the board. Three to four board positions are up for election each year, and directors serve four-year terms.
      Are the roles of Board Chair and Chief Executive Officer split or combined at Thrivent?
      At Thrivent, the roles of board chair and chief executive officer are split. Frank H. (Dick) Moeller serves as board chair (he has served on the board since 2005 and has served as chair since 2013). Bradford L. Hewitt has served as the chief executive officer since 2010.
      What policies govern the board?
      We're committed to acting with integrity in all of our business dealings. Key governing policies include our Code of Conduct, Conflict of Interest Policy and Governance Guidelines and Principles.
      How does the board operate?
      Under the bylaws of the organization, the board may form a governance committee and one or more additional committees of directors. Thrivent's board conducts much of its work through its established committee structure. Committees are staffed by board members with experience and expertise needed to provide oversight of the committees' responsibilities.
    • Board of Directors Election Process
      Who can vote in the board of directors election?
      Benefit members of Thrivent are eligible to vote for the election of directors to the Thrivent Financial Board of Directors.
      Who qualifies as an adult benefit member?
      A benefit member is an individual age 16 or older who is (in the vast majority of cases) the insured or annuitant on an insurance or annuity contract issued by Thrivent Financial, or premerger Aid Association of Lutherans (AAL) or Lutheran Brotherhood (LB). In some cases, third-party owners of premerger AAL or Thrivent contracts or beneficiaries of settlement agreements may be benefit members. Voting eligibility does not include associate members. Election materials are sent only to benefit members.
      Why can only benefit members vote for the board of directors?
      This stipulation is included in our Articles of Incorporation and is true for virtually all fraternal benefit societies. Benefit members vote because they have a financial stake in the fraternal benefit society. (Note: Members holding Thrivent Mutual Funds vote for the directors of the mutual funds boards).
      Why does the board of directors endorse certain candidates?
      The board endorses certain candidates to assist you as you complete your ballot. The Governance Committee of the board reviews the qualifications of all nominated candidates; it also conducts peer evaluations of the incumbent candidates. The Governance Committee also looks for the skills sets and experience needed to provide the necessary oversight to this complex organization. Based on their review, and in consideration of the board's recommended qualifications, the board makes a decision as to which candidates to endorse for election. This is only a recommendation; the final choice is yours.
      Who can nominate the candidates?
      Chapters, including Thrivent Communities and Thrivent Member Networks, and the board of directors can nominate the candidates.
      How do I determine which candidate I should vote for?
      To assist benefit members in selecting candidates to elect to the board, the board of directors provides a list of recommended qualifications, which is included in the election materials. These recommended qualifications can be used to determine which candidates are qualified to serve as directors for Thrivent, a membership organization that is also a Fortune 500 financial services provider. The final decision is always with the individual voting member. Each voting benefit member has total freedom and power to vote for his or her choice of candidates.
      How many candidates can I vote for?
      Each year, three positions are up for election. Benefit members can vote once for up to three candidates on his or her ballot and can submit only one completed ballot.
  • Taxes & Cost Basis Reporting
    • General
      Why didn't I receive a 1099-DIV?

      Members with interest earnings and shareholders with dividends and short-term capital gain distributions under $10 will not receive a Form 1099-DIV. The IRS does not require 1099s in cases where the interest, dividends or short-term capital gain distributions are under $10. However, the IRS does require individuals to report these amounts under $10 on their tax returns. Members and shareholders can check their year-end statements to verify the total amount of interest earnings, dividends and capital gains for an account. If you don't know whether to include this amount, please consult your tax advisor.

      If you had interest earnings, dividends or taxable gains of $10 or more, please check our tax timeline (M) to see if your tax form was mailed out.

      Can I download my 1099 into H&R Block At HomeTM or other tax software other than TurboTax?
      At this time, this feature is not available.
      What do I do if I have an error on my Thrivent Financial tax form?
      Contact our Customer Interaction Center at 800-847-4836 if you believe you have an error on your tax form such as:
      • Your social security number is incorrect.
      • You moved and there's an incorrect address.
      • Your tax form was submitted to the state of your secondary residence, rather than your primary address.
      • The amount reported on the 1099 is incorrect
      What is Required Minimum Distribution (RMD) and will I be taxed?

      In general, the IRS requires you to start taking a minimum amount from your qualified retirement accounts starting with the year you turn age 70½ to ensure the money you've saved is used for what it was intended to do – fund your retirement.

      Your RMDs are typically taxed as ordinary income in the years you receive them. Unless you specify otherwise on your election form, 10% of your distribution will be automatically withheld as prepayment of federal income tax. (State withholding may also apply, depending on the product(s) you own and the state where you live.)

      What are qualified dividends?
      Per the IRS, qualified dividends are ordinary dividends meeting specific criteria so it can be taxed at a lower long-term capital gains tax rate.
      Will I still get a paper copy of my 1099 if I'm signed up for eDelivery?
      Yes. You will continue to receive a mailed copy of your tax forms regardless of whether or not you receive other documents by eDelivery.
      Why is a 2014 contribution that was made in 2015 for a SEP or SIMPLE IRA included in contribution totals on the 2015 Form 5498 and not on a 2014 Form 5498?
      It is an IRS requirement that all contributions to a SEP or SIMPLE IRA be reported on the Form 5498 for the year they are actually deposited to the account, regardless of the year for which they are intended. It is the SEP/SIMPLE IRA owner's responsibility to report to the IRS for what year the contribution should apply.
    • Mutual Funds
      How are the dividends earned on the Thrivent Municipal Bond Fund taxed at the state level?
      For the most part, all of the distributions you received from the Thrivent Municipal Bond Fund are taxable at the state level. However, some states do not tax their residents on interest attributed to municipal securities issued by that state.
      What is cost basis as it relates to taxable investment accounts?
      Cost basis is the original price of an investment and is used to calculate capital gains or losses for tax purposes. It includes shares purchased by check, Automated Clearing House (ACH) or wire, exchanges into an account or reinvested dividends and capital gains. Please note that cost basis is not a substitute for performance information for an investment.
      What is a wash sale?
      A wash sale is a sale of a security – stock, bonds or options – at a loss and buying a replacement stock that is the same or substantially similar within 30 days before or after the sale.
      What is a dividend distribution?
      A dividend distribution is income from dividends and interest earned by a mutual fund's holdings. Dividends that a fund earns must be paid to shareholders at least once per year.
      What is a capital gain distribution?
      A capital gain is a profit that a mutual fund realizes by selling securities for a price higher than that at which they were purchased. Capital gains must also be paid to shareholders at least once per year. When distributed to shareholders, any realized gains are offset by any realized losses resulting in a distribution of the net capital gain. Unrealized gains on investments that have increased in value but have not been sold by the fund are not required to be distributed. The daily NAV includes unrealized gains.
      When are dividends and capital gains paid?
      Thrivent Mutual Funds distribution policy is as follows: money market and most bond funds generally declare income dividends daily and distribute them monthly. Income dividends are often paid quarterly for balanced funds (stocks, bonds, and cash). Capital gains (if required) for equity and bond funds are generally paid after fiscal year end and before calendar year end. Thrivent Mutual Funds typically distributes capital gains in December.
      How will capital gains and dividend distributions affect my taxes?
      Mutual fund distributions are taxable; both reinvested and paid out in cash, except when earned on qualified retirement accounts (i.e., 401(k), 403(b), IRA). If dividend and capital gain distributions are taken in cash on a qualified account, this is considered a distribution from the account and may be a taxable distribution.

      Dividend distributions are taxed at ordinary income tax rates unless the dividends are qualified dividends. Qualified dividends are dividends that the mutual fund has received from certain domestic and foreign corporations. Qualified dividends are taxed at the same rates as long-term capital gains.

      Long-term (held more than one year) capital gains distributions are taxed at long-term capital gains tax rates; distributions of short-term (held one year or less) capital gains are taxed at the same rates as ordinary income. Ordinary income tax rates are generally higher than long-term capital gains tax rates.

      How will I receive the tax information regarding capital gain distribution?
      Thrivent Financial provides estimated capital gain information with the third quarter statements each year. The information is also available online and will be updated monthly until the distributions are made. The estimated capital gain information is subject to change based upon fund activity.

      Your 4th quarter statement will include the amounts of any capital gain distributions made for the fund. This information will also be available online. For tax purposes, you will need to use Form 1099-DIV to obtain the proper allocation of dividend and capital gain information.

      Your Form 1099-DIV for the year will be mailed to you by January 31 of the following year, unless you are invested in either Thrivent Natural Resources Fund, Thrivent Growth and Income Plus Fund, or the Thrivent Diversified Income Plus Fund. Form 1099-DIV will not be mailed until later in February due to the Funds' holdings in real estate investment trusts (REITs). Funds that invest in REITs must wait until after year end in order to correctly classify the distributions from the fund as a dividend, capital gain or return of capital.

      Why does Thrivent Financial provide estimated capital gain distribution information for Thrivent Financial Mutual Funds prior to year end?
      To ensure that you have the information you need in order to make your investment decisions, Thrivent Financial provides estimated capital gain distribution information to help with year-end tax and investment planning. If you have questions regarding your current tax situation, contact your tax advisor for more information.
      Should I wait to buy a fund until after the dividend or capital gain distributions are made?
      If you are considering purchasing a mutual fund within a qualified retirement account, a dividend or capital gain distribution should not affect the timing of your investment decision since typically they do not have any tax consequences while the assets remain in the account.

      For new investments within a taxable account, upcoming distributions raise some considerations. The distributions will result in taxable income and should be considered in timing your overall investment decision.

      There is usually no taxable benefit to purchasing the shares immediately before the distribution (sometimes referred to as "buying the distribution") since the share price will be adjusted by the same amount as the distribution. You should also keep in mind the amount of the distribution based on the size of your expected investment.

      While important to consider, tax consequences should be only one of many factors considered when deciding to purchase a mutual fund.

      Is the fund's share price affected when a dividend or capital gain distribution is paid?
      On the distribution date, the fund Net Asset Value (NAV) is reduced by the amount of the distribution. (The fund NAV also reflects any changes from the impact in security valuations on the day the distribution is paid.)
      Does a fund's dividend or capital gain distribution affect its total return?
      On the distribution date, the fund Net Asset Value (NAV) is reduced by the amount of the distribution. (The fund NAV also reflects any changes from the impact in security valuations on the day the distribution is paid.)
      How do I determine if I will receive a dividend or capital gain distribution and when I will receive it?
      The timing of a distribution and the determination of which customer is eligible to receive it is based upon the record date. The ex-dividend date is the payable date.

      Record Date: All shareholders who own shares as of the end of this day are eligible to receive the distribution. This date is usually the business day prior to the ex-dividend date.

      Ex-dividend Date/Payable Date: The date on which the distribution amount per share is deducted from the fund's net asset value per share. The fund pays customers their share of the distribution on this date.

    • Annuities
      Why did I receive a tax form for funds received on a death claim?
      If you received proceeds from an annuity contract, the amount reported on Form 1099-R represents your share of the taxable gain of the contract and the amount reported on Form 1099-INT represents accrued interest.
      I didn't receive any money from Thrivent. Why did you send me a 1099-R?
      Qualified Annuities:
      • A direct rollover, where the plan type was changed will generate a 1099-R – for example, a 401(k) to IRA or 403(b). This is reportable, but not taxable.
      • A conversion from a traditional IRA to a Roth IRA is a taxable event.
      • A recharacterized IRA contribution or a recharacterized Roth conversion is a reportable event.

      Nonqualified Annuities:

      • A 1035 exchange to another company or contract will generate a 1099-R. This is reportable, but not taxable.
      • A taxable distribution – for example, a partial withdrawal – that was applied to another contract as a loan or premium payment will generate a 1099-R.
    • Insurance
      What is cost basis?
      Cost basis as it relates to insurance contracts is generally the amount of life premiums paid, minus any previous non-taxable distributions
      What qualifies as a taxable gain with a life insurance contract?
      Most life insurance benefits are distributed to beneficiaries at the time of death and are not taxable. Proceeds paid, other than by reason of death of the insured, are taxable once you have exceeded the premiums paid into the contract (cost basis). A modified endowment contract (MEC) reports any growth in the contract at the time of the distribution
      Are Insurance Contract Loans Taxable?
      In general, a loan can be taken against a life insurance contract without tax consequences unless the contract is a modified endowment contract (MEC). MEC contracts report any growth in the contract at the time of the distribution. If a loan is not repaid, the loan may equal the cash value in the contract and the contract will lapse. Any tax gain is reported at the time of lapse.
      Do I need to pay taxes on life insurance policy dividends?
      You would only be required to report life insurance dividends if the dividends are paid out in cash and exceeds the total amount of premiums you have paid into your life insurance policy.
      Why did I receive a tax form for funds received on a death claim?
      If you received proceeds from a life insurance contract, the amount reported is accrued interest.
      Are lump-sum death benefits from a life insurance policy taxable?
      Lump-sum death benefits paid to the beneficiary/beneficiaries are typically not taxable. Only the amount paid above the value at the time of death is taxable as it is considered accrued interest.
      Are installment payment benefits from a life insurance policy taxable?
      Installment payments on death benefits paid to the beneficiary/beneficiaries are typically not taxable. Only the amount paid above the value at the time of death is taxable as it is considered accrued interest.
      Are disability insurance benefits taxable?
      Whether the benefits you receive from disability income insurance are or are not taxable, depends on what type of benefits you receive, whether the premiums were paid with pretax or after-tax dollars, and who paid the premiums – whether it's you or your employer
      Are long-term care insurance benefits taxable?
      You may want to check with your tax advisor to determine what impact your long-term care claim benefits have on your tax situation
      Am I required to pay taxes on life insurance interest?
      Interest that is paid above the value at the time of death is taxable.
      How can I find information about premium history?
      Premium history is accessible on Thrivent.com and can be printed for easy access. To view, log in to MyThrivent. Once logged in, click on the product the information is needed for. Click on the "Payment Tab" and then the printer friendly button. Scroll down to see the payment information.
      Is my premium tax deductible?
      To find if premiums on a health contract are tax deductible, please refer these questions to your tax advisor.
    • Brokerage
      Can I find tax information online about my brokerage accounts?

      Tax information for brokerage accounts is available online through myStreetscape, under "Statements and Records." If you are registered on Thrivent.com and do not have myStreetscape access, please contact us at 800-847-4836 and say "Brokerage" to request access.

      If you'd like to receive electronic delivery of your brokerage tax forms, you can sign up for eDelivery through myStreetscape by following the instructions in the Brokerage Go Paperless (PDF) brochure.

      When can I expect to receive my 1099 for my brokerage account?
      National Financial Services (NFS) will mail most 2014 tax forms in late January through mid-February 2015.
      Who do I contact if I cannot locate my User ID and PIN?
      You have several options. You can follow the "Register Now" instructions above to access your ID and reset your PIN or you can call Thrivent Member Care Services at 800-847-4836 and say "Brokerage" where a representative will verify your information and provide your ID. You may then use the Forgot/Reset My PIN options at mystreetscape.com (Link opens in new window) to establish a new PIN.
    • Cost Basis Reporting
      What is cost basis?
      Simply put, cost basis is the original price of an investment and is used to calculate capital gains or losses for tax purposes. It includes shares purchased by check, Automated Clearing House (ACH) or wire, exchanges into an account, and reinvested dividends and capital gains. Please note that cost basis is not a substitute for performance information for an investment.
      What is the difference between long-term and short-term holding periods?
      The holding period is used to determine the tax rate that applies to any capital gains from the sale of shares.
      • Long-term periods apply to shares owned more than one year. Lower capital gains tax rates apply to long-term capital gains.
      • Short-term periods apply to shares owned one year or less. Ordinary income tax rates apply to short-term capital gains.
      Why is cost basis reporting required?
      The requirement is part of the Emergency Economic Stabilization Act that was intended to improve compliance with tax laws and raise revenues to fund the Troubled Asset Relief Program (TARP), which is sponsored by the U.S. Department of the Treasury. Specifically, the legislation requires an expansion of the current reporting on IRS Form 1099-B.
      What types of investments are affected by the new cost basis reporting requirement?
      The new regulation impacts equity securities, mutual funds and debt securities purchased on or after the effective dates listed earlier. It does not affect annuities, life insurance, money market fund accounts with a stable net asset value (NAV), retirement accounts or Coverdell Education Savings Accounts.
      My account was established prior to the effective date. Will I receive cost basis information on shares in this account?
      It depends. For cost basis purposes, shares will be classified as "covered" or "noncovered."
      • "Covered shares" are shares purchased on or after the effective date for which cost basis information is provided to you by the broker/mutual fund company.
      • "Noncovered shares" include shares purchased before the effective date and shares purchased on or after the effective date for which cost basis information is unavailable. The information may be unavailable because the broker/mutual fund company does not have sufficient information to track the cost basis. Cost basis information on noncovered shares is not required to be provided but may still be provided to you (but not the IRS) for your information. You can choose to use cost basis information provided on noncovered shares or calculate your cost basis on your own.
      What cost basis information is available for noncovered shares in my Thrivent Mutual Funds account?
      Thrivent Mutual Funds can only provide average cost information on noncovered shares. If you are using the average cost method for covered shares, average cost information will be provided to you for your noncovered shares when available. If you choose a method other than average cost for your covered shares, you can still choose to receive average cost information on your noncovered shares. In this case, all noncovered shares will be redeemed first using average cost. Once all noncovered shares are depleted, covered shares will be depleted using the elected cost basis method.
      When will I be required to use the cost basis information provided by Thrivent Financial on my tax returns?
      You (and the IRS) will receive cost basis information for all of your covered shares on IRS Form 1099-B. When available, you may receive cost basis information, either on Form 1099-B or a separate cost basis statement, for noncovered shares purchased prior to the effective date. Cost basis information on noncovered shares will not be provided to the IRS. You should always use IRS Form 1099-B to complete your tax return for covered shares. Information from other sources can change due to cost basis adjustments that may occur from other activity in your account. As stated previously, you can choose to use cost basis information provided on noncovered shares or calculate your cost basis on your own.
      Can I change my cost basis election?
      Yes, you may change the cost basis method used on your investment at any time. Once you change your method, it will be used on any sales of shares that occur after the change. You cannot change the method used on a sale that has already occurred. If you are changing from the average cost method and a redemption or sale of covered shares has already been processed on the account, the existing covered shares in your account are assigned the average cost basis. Future shares purchased after the change will retain their original purchase price as the cost basis. If you change from average cost and have not yet redeemed or sold shares from your account, all covered shares will retain their original purchase price for cost basis purposes.
      How can I change my cost basis election?
      You can change your election online by visiting Thrivent.com, in writing and, in some cases, over the phone. Contact your Thrivent Financial representative or the Customer Interaction Center for assistance.
      Can I use a different cost basis method for a specific transaction?
      It depends.
      • For Thrivent Mutual Fund accounts, if you are using a method other than average cost, you can override the cost basis method at the time of the transaction and use a different method.
      • For managed and retail brokerage accounts held at NFS, you cannot override the cost basis method designated for your mutual fund positions.
      Will cost basis information always be available?
      Cost basis information will be provided most of the time. Certain situations exist, however, where it may not be available. If you have cost basis information available, you can provide it to us so we can add and track it going forward.
      What if I own shares of the same issuer in multiple accounts?
      Thrivent Financial will provide you with separate cost basis information for the covered shares in each separate account. It is the shareholder's responsibility to make appropriate cost basis adjustments due to activity for the same security held in multiple accounts. For more information, please see IRS publications 564 – Mutual Fund Distributions and 551 &ndash Cost Basis of Assets, or consult your tax advisor.
      Hasn't Thrivent Financial been providing cost basis information?

      Yes. Thrivent Financial has provided limited cost basis information as a service to shareholders for many years.

      This information, however, was not provided to the IRS, and shareholders were not required to use the information to determine their gains or losses on the sale of shares. Going forward, Thrivent Financial will provide cost basis information based on the method you choose. This information will be reported to you and the IRS on Form 1099-B. It must be used when completing your tax return.

      Can my Thrivent Financial representative help me determine the best election method?
      No. Thrivent Financial representatives can explain the requirement and the various election methods, but they are not allowed to recommend a specific method. Because this falls into the area of providing tax advice, you should consult your tax advisor for help with selecting your election method.
      Can I use something other than average cost on my mutual funds held at NFS?
      Yes, you can use any of the available cost basis options. The method you choose, however, will also be the method used on equity and debt securities. The cost basis regulations start to apply to debt securities that are purchased on or after Jan. 1, 2014.
      I am receiving inherited shares or gifted shares into my account. Will these shares have cost basis information?
      It depends. If the shares were originally purchased by the owner before the effective date for cost basis reporting, these shares are noncovered shares. If cost basis information is available, it will be provided to you only (and not the IRS); you can choose if you want to use this information on your tax return. If the shares were purchased on or after the effective date, cost basis information will be available for these shares. Please note that you are not allowed to use the average cost method on gifted shares unless you agree to use the fair market value of the shares at the time of the gift as the cost basis for those shares.
      If I transfer my account to or from NFS, will cost basis information be available?
      It depends. If the shares were originally purchased by the owner before the effective date for cost basis reporting, these shares are noncovered shares. If cost basis information is available, it will be provided to you only (and not the IRS); you can choose if you want to use this information on your tax return. If the shares were purchased on or after the effective date, cost basis information will be available for these shares. Please note that you are not allowed to use the average cost method on gifted shares unless you agree to use the fair market value of the shares at the time of the gift as the cost basis for those shares.
    • Using TurboTax®

      Thrivent Financial has worked with Intuit Inc. to provide an easy download into the TurboTax tax preparation desktop software and TurboTax for the WebSM service for the information reported on 1099 tax forms for Thrivent Mutual Funds and Thrivent Brokerage Accounts. Please go directly to the TurboTax website (Link opens in new window) to order software or access the Web version.

      Which forms are available?
      TurboTax data import is available for Thrivent Mutual Fund forms 1099-B, 1099-DIV and 1099-R, and Thrivent Brokerage forms 1099-B, 1099-DIV, 1099-INT, 1099-OIR and 1099-R. In TurboTax, select "Thrivent Mutual Funds" or "National Financial" for Thrivent Brokerage Accounts (National Financial is the custodian for Thrivent's Brokerage Accounts).
      What if I need help importing my data into my tax return?
      See the Frequently Asked Questions on the TurboTax website. If your questions aren't answered there, please call Thrivent Financial Customer Service at 800-847-4836.
      What do I need to do to use TurboTax?

      You will need to be registered with Thrivent.com or mystreetscape.com to import your data.

      For Thrivent Mutual Funds, you will need your Thrivent.com user ID and password. If you do not have a Thrivent.com user ID and password select "Register " on the upper right corner of Thrivent.com to begin the registration process. This allows you to create a user ID and password.

      You will need:

      • A Thrivent Member ID.
      • Your birth date.
      • A valid email address.

      Note: Once the initial registration is complete, go back to the Thrivent.com homepage and log in using your newly created Thrivent user ID and password. At the MyAccounts page, click on a Thrivent Mutual Fund or Thrivent Brokerage (National Financial) Account link to view account details.

      For Thrivent Brokerage (National Financial) Accounts, you will need to do the following:

      • Go to mystreetscape.com (Link opens in new window) and click "Register Now." Follow the prompts to complete the registration process. After you see the message "We've verified your Identity," click "Register."
      • Create a PIN and select a security question. Take note of your user ID and PIN as it will be required for Quicken/TurboTax access.
      • If you can't find your user ID and PIN, follow the registration instructions above or call Thrivent Financial Customer Service at 800-847-4836, say "Brokerage," and a representative will help you reset your PIN. You may then use the Forgot/Reset My PIN options at mystreetscape.com (Link opens in new window) to establish a new PIN.

      Note: Once the registration process is complete (on either site) you will need to wait at least 15 minutes before logging into TurboTax.

      I'm a registered user of Thrivent.com and am getting an error message that I'm not authenticated. Why?
      You will want to validate your Thrivent.com access. Log in to MyThrivent and click "Manage My Profile" and then select "Access Information." Validate that the check box is marked for MyAccounts – Mutual Fund.
      How many transactions can I import?
      TurboTax for the WebSM supports the importation of up to 500 Schedule D transactions. If you have more than 500 Schedule D transactions, you may want to use the TurboTax desktop version. The TurboTax desktop version supports up to 3,000 transactions.
      Can I import data for all accounts, including gain/loss information on redemptions?
      The TurboTax data import feature will import all of your accounts with matching Social Security numbers. If cost basis information is available to you on your 1099-B, it will transfer with this feature into your TurboTax® 1040 tax return. At this time, you cannot import accounts registered to a business, trust or to children under age 16.

    Thrivent Financial and its representatives and employees cannot provide legal, accounting, or tax advice or services. Work with your Thrivent Financial representative and, as appropriate, your attorney and tax professional for additional information.

  • Medicare Supplement Insurance
    • Do I need to file a claim or complete a claim form with Thrivent Financial?

      No. In most cases, health care providers will file the claim with Medicare, which in turn files an electronic claim with Thrivent Financial.

      However, if you do not receive notice from Thrivent within three weeks of your receipt of an Explanation of Medicare Benefits (EOMB) from your health care provider, submit to Thrivent a billing statement from the health care provider, along with the corresponding Medicare Summary Notice.

      Is there a time limit for filing a claim?
      Claims should be filed as soon as reasonably possible. In most states, claims must be filed within one year from the time proof of loss is required, unless there are extenuating circumstances.
      Do my hospital stays need to be pre-certified?
      No. Thrivent Financial Medicare Supplement Insurance contracts do not require pre-certification for inpatient hospital stays.
      What information will I receive when Thrivent Financial processes a claim?

      You will always receive a Claim Payment Summary with each payment. The summary identifies the provider, the date and description of service, the total charge, the Medicare-approved amount, and the amount paid by your Thrivent Financial Medicare Supplement Insurance contract. An explanation will be provided for any expenses not covered by your contract.

      All claim payments are issued to you, the insured, unless you authorize Thrivent to pay your health care provider directly.

      How will the Thrivent Financial Prescription Drug Discount Program enhance the value of my Medicare supplement insurance?
      Thrivent Financial has contracted with Express Scripts Inc., a national company that negotiates preferred pricing for many prescription medications.

      Simply present your Thrivent Prescription Drug card at any of the 53,000 Express Scripts participating pharmacies, and you will receive a preferred price on many of your prescription medications.

      Note: Express Scripts is not Medicare Part D coverage. Express Scripts should not be used at the same time as Medicare Part D Prescription Drug Coverage.

      Who can I contact with questions about my Thrivent Financial Medicare Supplement Insurance claim?
      You can contact a Thrivent Financial Medicare Supplement Insurance claim representative using our Contact Us form, or call 800-847-4836 and ask to speak with a Medicare Supplement claims representative. You may also wish to contact a Thrivent Financial representative with any questions you may have.
  • Church & Institution Financing
    • What is the loan process for churches and institutions?

      You can begin the process by completing the loan application and submitting it to the Church & Institution Financing department as directed on the loan application form.

      Once we receive your application, we will underwrite the loan and, upon approval, will send the congregation a formal letter of our commitment to provide the loan. Typically it takes about two weeks to complete the underwriting process and to issue the formal commitment to your church or institution.

      After that, the timeline depends on the specific requirements needed to close the loan. For example, all loans require a borrowing resolution to be approved by the congregation, so you will need to do that in accordance with your constitution and by-laws. Once we receive all the specific closing requirements, it takes about two weeks to review the items submitted, prepare the loan documents and schedule the closing. These timeframes are estimates and may vary based on the nature of the project.

      How do I compare our Thrivent Financial loan offer with other lenders?
      It can be difficult to get an "apples to apples" comparison since lenders' terms and conditions vary widely.

      However, Thrivent will gladly work with your institution to help evaluate your choices. Our goal is to help you and your congregation find the product that best suits your needs. Ask the following:

      • What is the term of the loan (the date the loan matures, not the length of the amortization)? Few lenders offer a term longer than three to five years and may charge additional fees to renew the loan.
      • How long is the initial interest rate fixed? What are the terms of the rate reset?
      • What are the initial fees? Are there additional fees during the life of the loan if changes are made?
      • Are there prepayment penalties?
      • Are there late payment charges?
      • There may be other things unique to your situation. Contact us at 800-984-9425 to discuss these at any time.
      How are Thrivent Financial's church loan rates determined?

      We base our rates on a number of factors, including relevant treasury securities, commercial mortgage-backed securities markets, overall market volatility and various risk parameters. The rates are not tied to one specific metric and typically do not fluctuate daily or with every change in the market. However, they are reviewed on a periodic basis and adjusted as necessary.

      Our goal is to offer favorable rates while delivering on our commitment of investment return for our members. As a not-for-profit entity that gives back to the Christian community through fraternal operations, Thrivent Financial does not have the added margin of profit or overhead built into pricing that other financial institutions typically do.

      Who do I contact with questions about a church or institutional loan?
      Our Member Care Services representatives are happy to help with any questions related to financing for your church or institution. To reach a Church Loan representative, call 800-984-9425, Monday to Thursday, 7 a.m. to 5 p.m., Central time or email churchloan@thrivent.com.
      Can we pay off or pay down the church loan early without a penalty?
      The congregation may make payments in addition to the required monthly payments, without penalty, provided the funds did not originate from another lender. Prepayments will be applied immediately to the balance of the loan and they shorten the term of the loan. Regular monthly mortgage payments are not reduced unless specifically requested by the congregation. A prepayment penalty may apply when funds originated from other lenders and/or any other external sources are used.
      How do I make a church loan payment? What is the easiest way?
      Church loan payments can be made one of two ways:
      1. Church loan payments can be mailed to:pay

        Thrivent Financial
        4321 N. Ballard Rd.
        Appleton, WI 54919-5002

        Please be sure to include your loan number on the memo line of the check.

        2. If at any time you wish to send additional funds toward your church loan principal, please print out a principal-only coupon (PDF) and indicate the church name, address, loan number and dollar amount on the coupon in the spaces provided. Please be sure to add your loan number and instructions in the memo field on the check as well (example: 200012340 Principal Only).

      2. We can simplify your payment process by automatically drawing funds (PDF) from your specified church account each month.
      Who do I contact about a late church loan payment issue (past due issue, etc.)?
      Our Member Care Services representatives are happy to help with any questions related to financing for your church or institution. To reach a representative call 800-984-9425, Monday to Thursday, 7 a.m. to 5 p.m., Central time or email churchloan@thrivent.com.

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