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 4th largest credit union in the state of Indiana. It is also the 198th largest credit union in the nation. It was established in 1935 and as of December of 2023, it had grown to 442 employees and 117,610 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 (8)

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).

Great Experience

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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

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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

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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!

Scammers Of Your Money

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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!

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 - YTD1.12%
Return on Equity - YTD10.8%
Annual Interest Income$108.3MM
Assets and Liabilities
AssetsQ4 2023vs Q4 2022$2.34B$2.24B
LoansQ4 2023vs Q4 2022$1.8B$1.69B
DepositsQ4 2023vs Q4 2022$1.77B$1.66B
Equity CapitalQ4 2023vs Q4 2022$241.9MM$215.2MM
Loan Loss AllowanceQ4 2023vs Q4 2022$19.9MM$15.9MM
Unbacked Noncurrent LoansQ4 2023vs Q4 2022$17.9MM$13.6MM
Real Estate OwnedQ4 2023vs Q4 2022$8K$0
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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

3.00%*-$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

4.25%*$5m*-Jumbo Money Market
OTHER TIERS: 0.25% Any amount | 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

2.00%*-$10kDividends+ Checking
OTHER TIERS: 0.15% $10k+
0.40%*$75k*-Reward Checking
OTHER TIERS: 0.20% Up to $10k | 0.25% $10k - $25k | 0.30% $25k - $50k | 0.35% $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

5.15%$500-6 Month CD
5.00%$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

5.15%$500-6 Month IRA
5.00%$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


Fort Wayne Area

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