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3Rivers Federal Credit Union

Popular Accounts at this Credit Union

1.51%Reward CheckingRhythm Checking
1.65%5-year CD59 Month Bump Rate CD
0.65%1-year CD12 Month CD

Overview / Commentary
1605 Northland Blvd
Fort Wayne, IN 46825

3Rivers Federal Credit Union is headquartered in Fort Wayne and is the 11th largest credit union in the state of Indiana. It is also the 309th largest credit union in the nation. It was established in 1935 and as of December of 2016, it had grown to 250 employees and 72,077 members at 18 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 Adams, Allen, DeKalb, Huntington, Noble, Wells, or Whitley counties of Indiana; or work for a company that offers membership as a benefit to its employees in Auglaize County, Ohio.
See current membership details

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Reviews (3)

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!

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 - YTD1.69%
Return on Equity - YTD12.12%
Annual Interest Income$32.2MM
Assets and Liabilities
AssetsQ4 2016vs Q4 2015$881.3MM$788.3MM
LoansQ4 2016vs Q4 2015$628.1MM$535.9MM
DepositsQ4 2016vs Q4 2015$670.9MM$638.1MM
Equity CapitalQ4 2016vs Q4 2015$119.9MM$105.2MM
Loan Loss AllowanceQ4 2016vs Q4 2015$4.7MM$4.1MM
Unbacked Noncurrent LoansQ4 2016vs Q4 2015$4.7MM$3.8MM
Real Estate OwnedQ4 2016vs Q4 2015$147.00K$87.00K
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* 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+
0.30%$25-IRA Savings
0.30%$25-Roth IRA Savings
0.30%$25-CESA Savings
0.15%*$25k*-Health Savings Account (HSA)
OTHER TIERS: 0.10% Up to $25k
0.10%$25-Standard Savings

3Rivers Federal Credit Union Money Market Rates

0.30%*$75k*-Money Plus Money Market
OTHER TIERS: 0.20% $10k - $35k | 0.25% $35k - $75k
0.25%*$25k*-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+
OTHER TIERS: 0.10% Up to $25k
0.15%*$25k*-Smart Business Checking
OTHER TIERS: 0.10% Up to $25k

3Rivers Federal Credit Union CD Rates

1.70%$1k-60 Month CD
1.65%$1k-59 Month Bump Rate CD
1.40%$1k-48 Month CD
1.30%$1k-36 Month CD
1.15%$1k-30 Month CD
1.10%$1k-24 Month CD
1.00%$1k-18 Month CD
0.65%$1k-12 Month CD
0.45%$500-6 Month CD
0.20%$500-3 Month CD

3Rivers Federal Credit Union has 18 locations. Click to view all 3Rivers Federal Credit Union locations.