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 10th largest credit union in the state of Indiana. It is also the 294th largest credit union in the nation. It was established in 1935 and as of December of 2018, it had grown to 297 employees and 79,302 members at 17 locations. 3Rivers Federal Credit Union's money market rates are 6X the national average, and it boasts 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

Related Posts

13-Month CD, 2.75% Or 2.25% APY - 10/1/2018

13-month CD, 2.75% APY, $20k minimum, at least half must be new money. "To receive the higher rate, a $20,000 minimum opening balance is required, at least $10,000 of which much be funds not already on deposit with 3Rivers Federal Credit Union at the time of account opening." 13-month CD, 2.25% APY, $10k minimum, no new money required.

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Reviews (4)

Great Experience

Posted by: Recaneps | Mar 10, 2017

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: Funderfw | Mar 5, 2015

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!

Mobile Banking Is Set Up To Take Your Money

Posted by: Mimi34 | Apr 2, 2019

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 - YTD1.78%
Return on Equity - YTD12.43%
Annual Interest Income$42.7MM
Assets and Liabilities
AssetsQ4 2018vs Q4 2017$1.06B$969.9MM
LoansQ4 2018vs Q4 2017$796.5MM$711.2MM
DepositsQ4 2018vs Q4 2017$835.6MM$713.7MM
Equity CapitalQ4 2018vs Q4 2017$150.0MM$137.6MM
Loan Loss AllowanceQ4 2018vs Q4 2017$5.9MM$5.3MM
Unbacked Noncurrent LoansQ4 2018vs Q4 2017$3.7MM$4.6MM
Real Estate OwnedQ4 2018vs Q4 2017$0$0
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Always verify rates and promotions with the bank or credit union. We are not 3Rivers Federal Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

3Rivers Federal Credit Union Savings Account Rates

5.12%*-$500Livin' Free Savings
OTHER TIERS: 0.10% $500+
0.50%$25-IRA Savings
0.15%*$25k*-Health Savings Account (HSA)
OTHER TIERS: 0.10% Up to $25k
0.10%--Standard Savings

3Rivers Federal Credit Union Money Market Rates

2.53%*$500k*-Index Money Market
OTHER TIERS: 0.25% Up to $100k | 2.02% $100k - $250k | 2.27% $250k - $500k
2.53%*$500k*-Business Index Money Market
OTHER TIERS: 0.25% Up to $100k | 2.02% $100k - $250k | 2.27% $250k - $500k
0.75%*$500k*-Money Plus Money Market
OTHER TIERS: 0.25% $10k - $35k | 0.30% $35k - $75k | 0.40% $75k - $125k | 0.50% $125k - $500k
0.75%*$500k*-Business Money Plus Money Market
OTHER TIERS: 0.25% $10k - $35k | 0.30% $35k - $75k | 0.40% $75k - $125k | 0.50% $125k - $500k
0.25%*$25k*-OMA Money Market
OTHER TIERS: 0.20% Up to $25k
0.25%*$25k*-Business OMA Money Market
OTHER TIERS: 0.20% Up to $25k

3Rivers Federal Credit Union Checking Account Rates

1.51%*-$10kRhythm Checking
OTHER TIERS: 0.15% $10k+
0.40%*$75k*-Reward Checking
OTHER TIERS: 0.10% Up to $10k | 0.20% $10k - $25k | 0.25% $25k - $50k | 0.30% $50k - $75k
0.15%*$25k*-Business Plus Checking
OTHER TIERS: 0.10% Up to $25k
0.15%*$25k*-Community Checking
OTHER TIERS: 0.10% Up to $25k

3Rivers Federal Credit Union CD Rates

2.35%$20k-13 Month CD Special - 50% New Money
2.35%$20k-Business 13 Month CD Special - 50% New Money
2.35%$20k-49 Month CD Special - 50% New Money
2.35%$20k-Business 49 Month CD Special - 50% New Money
2.05%$10k-13 Month CD Special
2.05%$10k-Business 13 Month CD Special
2.05%$10k-49 Month CD Special
2.05%$10k-Business 49 Month CD Special
1.75%$1k-60 Month CD
1.75%$1k-Business 60 Month CD
1.60%$1k-48 Month CD
1.60%$1k-Business 48 Month CD
1.50%$1k-36 Month CD
1.50%$1k-Business 36 Month CD
1.40%$1k-30 Month CD
1.40%$1k-Business 30 Month CD
1.30%$1k-24 Month CD
1.30%$1k-Business 24 Month CD
1.10%$1k-18 Month CD
1.10%$1k-Business 18 Month CD
0.90%$1k-12 Month CD
0.90%$1k-Business 12 Month CD
0.65%$500-6 Month CD
0.65%$500-Business 6 Month CD
0.30%$500-3 Month CD
0.30%$500-Business 3 Month CD

3Rivers Federal Credit Union IRA Rates

2.35%$20k-13 Month IRA Special - 50% New Money
2.35%$20k-49 Month IRA Special - 50% New Money
2.05%$10k-13 Month IRA Special
2.05%$10k-49 Month IRA Special
1.75%$1k-60 Month IRA
1.60%$1k-48 Month IRA
1.50%$1k-36 Month IRA
1.40%$1k-30 Month IRA
1.30%$1k-24 Month IRA
1.10%$1k-18 Month IRA
0.90%$1k-12 Month IRA
0.65%$500-6 Month IRA
0.30%$500-3 Month IRA


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