3Rivers Federal Credit Union is headquartered in Fort Wayne and is the 4th largest credit union in the state of Indiana. It is also the 189th largest credit union in the nation. It was established in 1935 and as of March of 2025, it had grown to 467 employees and 134,932 members at 25 locations. 3Rivers Federal Credit Union's money market rates are 9X the national average, and it 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
Best Credit Union In NE Indiana
I have banked here now for over 10 years. Have had accounts at different institutions loans at different institutions this is a place I have had little issues with over the years. Reading these other reviews they may have had a bad experience or maybe something wasn't explained in full. They have fees on some of their accounts but typically go out of the way to waive it and try to ensure I am in the correct account in order to avoid them. The majority of the interactions I have had with their employees have been positive over the years. They will spend time with you just on educating you on your options. I would highly recommend them for all banking needs and insurance(saved me over 350 annually on my home and auto).
Notary Public
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.
Fees Are Too Common
They give you a few pennies as a dividend on your savings account, but charge you $5/month for having a low balance in your checking account. I like to keep only enough money in my checking account to cover what I buy, as a security measure, in case my card is lost or stolen, or someone gets my card information. For that, I'm punished by Three Rivers Federal Credit Union to the tune of $5/month, or $70/year, despite having a fairly significant amount of money in my business and personal savings accounts. Once upon a time, they were much more member friendly, now they're only out to skim as much as they can off their member's accounts. That's very obvious by the huge branches they have, which resemble the finest hospitals. They need to dump their CEO, and get back to putting value on their members, not their cash coffers.
Additionally, expect to be on hold for up to an hour if you call for anything. Trust me, they're not so busy they can't answer the phones. They just don't care, as if you go to any branch, there are employees just walking around - who could be answering phones. Getting loans is almost impossible. I have a great income to outgo ratio, with a 740 credit score, but they turn me down for loans almost instantly. I have zero issues getting loans at my other banks and credit unions... in fact, they call me often to see if I need anything. With that, I have not tried to secure a loan with TRFCU in several years. They don't need to give loans... their countless fees pay for everything.
The only real plus is their internet access which is tremendously helpful for those of us who can't go to the bank during business hours very easily.
Scammers Of Your Money
They are scammers. They scammed me out of money by taking it back after filing a dispute for their customer, who claimed she did not receive an item she bought from me. Their customer then informed them that she did receive it, but they will not return my money. Ivonne in the fraud department is indeed fraudulent! I had to file a complaint with the Better Business Bureau of Ft. Wayne, Indiana today. Don't fall for their scams!
Data as of Q1 2025
Learn why bank health mattersHealth Grade Components
| Overall | |
|---|---|
| NCUA # | 159 |
| Year Chartered | 1935 |
| Employees | 467 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 1.39% |
| Return on Equity - YTD | 12.06% |
| Annual Interest Income | $33.3MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q1 2025vs Q1 2024 | $2.58B$2.4B |
| Loans | Q1 2025vs Q1 2024 | $1.79B$1.8B |
| Deposits | Q1 2025vs Q1 2024 | $2.01B$1.87B |
| Equity Capital | Q1 2025vs Q1 2024 | $292.2MM$248.4MM |
| Loan Loss Allowance | Q1 2025vs Q1 2024 | $21.6MM$20.3MM |
| Unbacked Noncurrent Loans | Q1 2025vs Q1 2024 | $17.3MM$14.5MM |
| Real Estate Owned | Q1 2025vs Q1 2024 | $0$8K |
