Thrivent Financial is unique in the fact that it has members, not just clients. Thrivent Financial is a merger of two fraternal benefit societies, the Aid Association of Lutherans and Lutheran Brotherhood. This merger spans 185 years and was made the largest fraternal benefit society in the United States in June 2001. Thrivent Financial offers personal checking and savings accounts, loans and mortgages, investment services, IRA's, debt consultation, health savings accounts, credit cards, annunities and financial planning.