3Rivers Federal Credit Union

Overview / Commentary
1615 Northland Blvd.
Fort Wayne, IN 46825

3Rivers Federal Credit Union is headquartered in Fort Wayne and is the 6th largest credit union in the state of Indiana. It is also the 227th largest credit union in the nation. It was established in 1935 and as of December of 2021, it had grown to 441 employees and 108,264 members at 22 locations. 3Rivers Federal Credit Union has an A+ health rating.

Field of Membership Restrictions

Membership in 3Rivers Federal Credit Union is open to those who live, work, volunteer, or attend school in the Indiana counties of Allen, Adams, DeKalb, Noble, Huntington, Wells, or Whitley. Individuals who live in Auglaize County, Ohio and work for a company that offers membership as a benefit may also join.
See current membership details

Reviews (5)

Great Experience

Posted by: |

Ive been banking with them for a few years now. Everything is and has been going great their cs is on point and rates are very competitive. I even refinanced with them last year for a huge intrest rate reduction. Recommended for anyone in the greater FW area

A Great Credit Union

Posted by: |

We have used Three Rivers Credit Union for our most recent auto loan. In addition, we created a checking account and college accounts for our kids. They have lots of branches in the Fort Wayne area, their staff is friendly, and they also have convenient hours at their locations (which are also in grocery stores, making it even easier to use). We love using TRFCU!

Notary Public

Posted by: |

I went in to use this because it was close to my house. The notarization was done incorrectly and I had to return to have it fixed.

Mobile Banking Is Set Up To Take Your Money

Posted by: |

I have a couple of banks that I don't have any problems out of with this bank the mobile app is set up for you to over spend! Example if you have a certain amount to spend and you are shopping the app will show you how much you spent by having a hold on it and your available remaining balance, i would have money still left in my account after I spend! Then all of a sudden they hitting you with 33.00 dollars for each time you over spend! So the app shows false information, Then if you over spend and add money in your account before the end of their day, U end up with the same 33.00 dollar fees 2day later like it pops up out of no where I want to close this account so bad but don't want to go through the hassle of that review I just read smh!

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. 


Health Grade Components

NCUA #159
Year Chartered1935
Primary Regulator
Profit Margin
Return on Assets - YTD1.96%
Return on Equity - YTD15.54%
Annual Interest Income$67.2MM
Assets and Liabilities
AssetsQ4 2021vs Q4 2020$1.92B$1.73B
LoansQ4 2021vs Q4 2020$1.35B$1.19B
DepositsQ4 2021vs Q4 2020$1.61B$1.44B
Equity CapitalQ4 2021vs Q4 2020$239.1MM$209.2MM
Loan Loss AllowanceQ4 2021vs Q4 2020$14.5MM$12.9MM
Unbacked Noncurrent LoansQ4 2021vs Q4 2020$8.2MM$10.3MM
Real Estate OwnedQ4 2021vs Q4 2020$0$304.00K

Rates for 3Rivers Federal Credit Union are currently being reviewed.



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