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1605 Northland Blvd
Fort Wayne, IN 46825

Three Rivers Federal Credit Union is headquartered in Fort Wayne and is the 10st largest credit union in the state of Indiana. It is also the 300th largest credit union in the nation. It was established in 1935 and as of March of 2014, it had grown to 227 employees and 67,535 members. Three Rivers Federal Credit Union's savings rates are 10X the national average, and it has a A health rating.

Field of Membership Restrictions

You qualify credit union membership at 3Rivers if you live, work, volunteer, worship or attend school in Indiana counties of Adams, Allen, DeKalb, Huntington, Noble, Wells or Whitley; or Work for a company that offers 3Rivers membership as a benefit to its employees in Auglaize County, Ohio; or Live within the Community Development Credit Union (CDCU) area in Van Wert County, Ohio. - See Details

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Reviews (1)

Three Rivers Is A Credit Union You Want To Avoid.......

I had an account with this credit union for about two years.  Although they have some nice people working for them, every function of doing business with them had a problem of some sort.  From opening the account with errors, to having periodic problems with online banking, to errors made when ultimately closing the account, this credit union required continuous conversations with customer service.  I was exhausted by the time I closed the account.  My last chuckle is when they swore I wouldn't have to pay anything to close my account, yet they issued my closing funds in a money order and charged me for the money order itself. I'm glad to pay that fee to be rid of them.  Stay away if you value your time and sanity.  Their daily business practices are riddled with error after error.  Good luck. 


Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Three Rivers Federal Credit Union had $2.71 million in non-current loans and owned real-estate with $89.7 million in equity and loan loss allowances on hand to cover it. This gives Three Rivers Federal Credit Union a Texas Ratio of 3.02% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Three Rivers Federal Credit Union decreased slightly from 3.70% as of March 31, 2013 to 3.02% as of March 31, 2014, resulting in a positive change of 18.37%.This indicates that the balance sheet and financial strength for Three Rivers Federal Credit Union has improved slightly in recent periods.

Deposit Growth


In the past year, Three Rivers Federal Credit Union has decreased its total deposits by -$1.28 million, resulting in -0.2% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Three Rivers Federal Credit Union has shown is average.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Three Rivers Federal Credit Union has $764.85 million in assets with $89.7 million in equity, resulting in a capitalization level of 11.73%, which is excellent.

Institution Statistics

NCUA #159
Year Chartered1935
Primary Regulator
Assets and Liabilities
Assets$764.85 million
Loans$496.44 million
Deposits$636.81 million
Equity Capital$85.96 million
Loan Loss Allowance$3.73 million
Unbacked Noncurrent Loans$2.60 million
Real Estate Owned$104,000
Historic Data - March 2013
Assets$758.69 million
Equity Capital$82.45 million
Loan Loss Allowance$3.51 million
Unbacked Noncurrent Loans$2.60 million
Real Estate Owned$278,000
Profit Margin - Quarterly
Net Interest Margin1.09%
Return on Assets0.93%
Return on Equity8.25%
Interest Income$7.46 million

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Three Rivers Federal Credit Union Savings Account Rates

5.12%-$500Livin' Free Savings
0.30%--IRA Savings
0.15%$25k-Health Savings Account (HSA)
0.10%--Regular Savings
0.10%$25-Pick Your Date (PYD) Savings

Three Rivers Federal Credit Union Money Market Rates

0.20%$75k-Money Plus Money Market
0.15%$25k-OMA Money Market

Three Rivers Federal Credit Union Checking Account Rates

1.51%-$10kRhythm Checking - Qualifying
0.15%$25k-Smart Business Checking
0.01%--Rhythm Checking - Non Qualifying

Three Rivers Federal Credit Union CD Rates

1.00%$1k-60 Month CD
0.85%$1k-48 Month CD
0.65%$1k-36 Month CD
0.40%$1k-30 Month CD
0.35%$1k-24 Month CD
0.25%$1k-18 Month CD
0.20%$1k-12 Month CD
0.15%$500-6 Month CD
0.10%$500-3 Month CD

Three Rivers Federal Credit Union IRA Rates

1.00%$1k-60 Month IRA
0.85%$1k-48 Month IRA
0.65%$1k-36 Month IRA
0.40%$1k-30 Month IRA
0.35%$1k-24 Month IRA
0.25%$1k-18 Month IRA
0.20%$1k-12 Month IRA
0.15%$500-6 Month IRA
0.10%$500-3 Month IRA

Three Rivers Federal Credit Union has 20 locations. Click to view all Three Rivers Federal Credit Union locations.