4.01% Reward Checking Account at an Indiana/Ohio CU (Three Rivers)


Update 10/15/09: The top rate has fallen to 4.01% APY. Refer to the bottom of the post for the rate history.

Three Rivers Federal Credit Union has a reward checking account called EPIC Checking with a yield of 4.01% APY on balances up to $25,000 (1.25% for over $25K) and refunds ATM fees (up to $12/cycle or $3/item) if the following monthly requirements are met: 1) 10 Visa check card transactions, 2) one direct deposit, automatic debit or On-Line Bill Payer payment, 3) access the online account, and 4) actively enroll in eStatements. If these are not met, the rate falls to 0.25%. There's no minimum balance.

Membership is open to to anyone who lives, works, volunteers or attends school in Adams, Allen, DeKalb, Huntington, Noble, Wells or Whitley Counties, Indiana or parts of Van Wert County, Ohio. Please refer to their Membership Eligibility page for more details. Membership requires a minimum deposit of $5 in the regular share savings account.

Branches are located in Ft. Wayne, New Haven, Auburn, Kendallville and Bluffton, Indiana, and in St. Marys and Van Wert, Ohio. The credit union is federally insured by the NCUA (Charter # 159). It has $457.8 million in assets and 68,890 members.

Other High Yield Reward Checking Accounts

Please see my reward checking overview for general information and a history of these reward checking accounts. For other reward checking accounts please see my list of reward checking accounts around the nation and the best checking account post.

Rate History:
10/01/09: 4.01% APY up to $25K; 1.25% APY over $25K
05/01/09: 4.25% APY up to $25K; 1.50% APY over $25K
02/01/09: 5.01% APY up to $25K; 2.00% APY over $25K
01/06/09: 6.01% APY up to $25K; 2.00% APY over $25K
12/30/08: 6.01% APY up to $25K; 2.50% APY over $25K
01/27/08: 6.01% APY up to $25K; 3.50% APY over $25K
Related Pages: checking account, reward checking account

Previous Comments
  |     |   Comment #1
Note: balances over $25K have a 2.50% APY.
  |     |   Comment #2
Rate table dated 1/1/09 has yield on balances over $25K at 2.00%.
  |     |   Comment #3
As of 2/1/09 the top rate has fallen to 5.01% APY.
6.25% IRA Savings Account at an Indiana/Ohio CU (3 Rivers)
3 Rivers Federal Credit Union is offering a 6.25% APY IRA savings account called the Epic IRA. The rate is guaranteed to last through 2007. There is no minimum, and unlike a CD, there is no early withdrawal penalty. It does require an active 3 Rivers checking account or a new 3 Rivers checking account with direct deposit. Note, there may be some maintenance fees on the checking accounts. The Epic IRA is available as a traditional IRA, Roth IRA and a Coverdell Education Savings Account.

Field of membership includes those...

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