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 4th largest credit union in the state of Indiana. It is also the 200th largest credit union in the nation. It was established in 1935 and as of June of 2024, it had grown to 465 employees and 119,451 members at 25 locations. 3Rivers Federal Credit Union's money market rates are 10X 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 (4)

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

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.

Scammers Of Your Money

Posted by: |

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!



Health

Health Grade Components

Overall
NCUA #159
Year Chartered1935
Employees465
Primary Regulator
Profit Margin
Return on Assets - YTD1.22%
Return on Equity - YTD11.37%
Annual Interest Income$60.8MM
Assets and Liabilities
AssetsQ2 2024vs Q2 2023$2.39B$2.28B
LoansQ2 2024vs Q2 2023$1.81B$1.75B
DepositsQ2 2024vs Q2 2023$1.85B$1.73B
Equity CapitalQ2 2024vs Q2 2023$257.9MM$223.2MM
Loan Loss AllowanceQ2 2024vs Q2 2023$20.2MM$22.2MM
Unbacked Noncurrent LoansQ2 2024vs Q2 2023$19.6MM$12.3MM
Real Estate OwnedQ2 2024vs Q2 2023$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
3.00%*$0$500Livin' Free Savings
OTHER TIERS: 0.10% $500+
0.25%$0-IRA Savings
0.15%*$25k*-Health Savings Account (HSA)
OTHER TIERS: 0.10% $0 - $25k
0.15%*$25k*-Business Health Savings Account
OTHER TIERS: 0.10% $0 - $25k
0.10%$0-Standard Savings

3Rivers Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.25%*$5m*-Jumbo Money Market
OTHER TIERS: 0.25% $0+ | 2.25% $100k - $250k | 2.50% $250k - $500k | 2.75% $500k - $2m | 3.75% $2m - $5m
1.60%*$125k*-Money Market
OTHER TIERS: 1.10% $5k - $25k | 1.20% $25k - $45k | 1.30% $45k - $65k | 1.40% $65k - $85k | 1.50% $85k - $125k
0.85%*$500k*-Money Plus Money Market
OTHER TIERS: 0.55% $10k - $35k | 0.60% $35k - $75k | 0.70% $75k - $125k | 0.75% $125k - $500k

3Rivers Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.00%*$0$10kDividends+ Checking
OTHER TIERS: 0.15% $10k+
0.40%*$75k*-Reward Checking
OTHER TIERS: 0.20% $0 - $10k | 0.25% $10k - $25k | 0.30% $25k - $50k | 0.35% $50k - $75k
0.15%*$25k*-Business Plus Checking
OTHER TIERS: 0.10% $0 - $25k
0.15%*$25k*-Community Checking
OTHER TIERS: 0.10% $0 - $25k

3Rivers Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
5.00%$500-6 Month CD
4.85%$1k-12 Month CD
4.00%$1k-36 Month CD
4.00%$5k-11 Month Safety Certificate Special
4.00%$5k-Business 11 Month Safety Certificate Special
2.50%$1k-30 Month CD
2.50%$1k-48 Month CD
2.50%$1k-60 Month CD
2.25%$1k-18 Month CD
2.25%$1k-24 Month CD
2.00%$500-3 Month CD
2.00%$25-6-24 Month Any Purpose Savings Certificate - Special

3Rivers Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
5.00%$500-6 Month IRA
4.85%$1k-12 Month IRA
4.00%$1k-36 Month IRA
2.50%$1k-30 Month IRA
2.50%$1k-48 Month IRA
2.50%$1k-60 Month IRA
2.25%$1k-18 Month IRA
2.25%$1k-24 Month IRA
2.00%$500-3 Month IRA
Locations

Availability



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