3Rivers Federal Credit Union


Overview / Commentary
260-490-8328
1615 Northland Blvd.
Fort Wayne, IN 46825

3Rivers Federal Credit Union is headquartered in Fort Wayne and is the 5th largest credit union in the state of Indiana. It is also the 213th largest credit union in the nation. It was established in 1935 and as of June of 2022, it had grown to 430 employees and 114,210 members at 22 locations. 3Rivers Federal Credit Union's money market rates are 3X 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

Reviews (6)

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.

Fees Are Too Common

Posted by: |

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.

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

Health Grade Components

Overall
NCUA #159
Year Chartered1935
Employees430
Primary Regulator
Profit Margin
Return on Assets - YTD1.46%
Return on Equity - YTD13.63%
Annual Interest Income$36.9MM
Assets and Liabilities
AssetsQ2 2022vs Q2 2021$2.06B$1.88B
LoansQ2 2022vs Q2 2021$1.48B$1.28B
DepositsQ2 2022vs Q2 2021$1.65B$1.58B
Equity CapitalQ2 2022vs Q2 2021$216.1MM$226.5MM
Loan Loss AllowanceQ2 2022vs Q2 2021$15.4MM$13.1MM
Unbacked Noncurrent LoansQ2 2022vs Q2 2021$8.8MM$8.5MM
Real Estate OwnedQ2 2022vs Q2 2021$0$0
Rates
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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

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.53%*-$500Livin' Free Savings
OTHER TIERS: 0.10% $500+
0.25%--IRA Savings
0.15%*$25k*-Health Savings Account (HSA)
OTHER TIERS: 0.10% Up to $25k
0.15%*$25k*-Business Health Savings Account
OTHER TIERS: 0.10% Up to $25k
0.10%--Standard Savings

3Rivers Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.50%*$500k*-Jumbo (Index) Money Market
OTHER TIERS: 0.25% Up to $100k | 1.00% $100k - $250k | 1.25% $250k - $500k
0.40%*$500k*-Money Plus Money Market
OTHER TIERS: 0.15% $10k - $35k | 0.20% $35k - $75k | 0.25% $75k - $125k | 0.30% $125k - $500k
0.20%*$25k*-OMA Money Market
OTHER TIERS: 0.15% Up to $25k

3Rivers Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.01%*-$10kRhythm Checking
OTHER TIERS: 0.15% $10k+
0.20%*$75k*-Reward Checking
OTHER TIERS: 0.10% Up to $25k | 0.15% $25k - $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

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.50%$20k-59 Month Bump Rate CD Special(50% New Money)
2.25%$10k-59 Month Bump Rate CD Special
2.20%$20k-33 Month CD Special w/50% New Money
2.20%$20k-Business 33 Month CD Special w/50% New Money
2.00%$20k-13 Month CD Special w/50% New Money
2.00%$20k-Business 13 Month CD Special - 50% New Money
1.90%$10k-33 Month CD Special
1.90%$10k-Business 33 Month CD Special
1.70%$10k-13 Month CD Special
1.70%$10k-Business 13 Month CD Special
0.75%$1k-60 Month CD
0.70%$1k-48 Month CD
0.60%$1k-36 Month CD
0.40%$1k-30 Month CD
0.35%$1k-24 Month CD
0.30%$1k-18 Month CD
0.25%$1k-12 Month CD
0.20%$25-6-24 Month Any Purpose Savings Certificate - Special
0.15%$500-6 Month CD
0.10%$500-3 Month CD

3Rivers Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.50%$20k-59 Month Bump Rate CD Special w/50% New Money
2.25%$10k-59 Month Bump Rate CD Sp
2.20%$20k-33 Month IRA Special w/50% New Money
2.00%$20k-13 Month IRA Special - 50% New Money
1.90%$10k-33 Month IRA Special
1.70%$10k-13 Month IRA Special
0.75%$1k-60 Month IRA
0.70%$1k-48 Month IRA
0.60%$1k-36 Month IRA
0.40%$1k-30 Month IRA
0.35%$1k-24 Month IRA
0.30%$1k-18 Month IRA
0.25%$1k-12 Month IRA
0.15%$500-6 Month IRA
0.10%$500-3 Month IRA
Locations

Availability



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