Three Rivers Federal Credit Union

Headquarters

Po Box 2573
Fort Wayne, IN 46801
See all branch locations →

Notable Rates	APY	Vs.Others
Savings	0.10%	5.50% →
1-Year CD	4.35%	4.80% →
2-Year CD	2.25%	4.25% →
5-Year CD	2.50%	4.05% →
30-Year Mortgage	N.A.	4.91% →
15-Year Mortgage	N.A.	4.39% →
HELOC	N.A.	0.99% →

Overview
Membership
Deposit Rates
Loan Rates
Branches
Climate
Financial Details
FAQs
Reviews

2024 Overview

General Credit Union Information

Three Rivers is an NCUA insured institution located in Fort Wayne, IN. It was founded in 1935 and has approximately $2389.41 millions in assets.

Who can join?

You can if one of the following applies to you:

In Indiana I; live, work, volunteer, worship or attend school in one of the following couties: Adams, Allen, DeKalb, Huntington, Noble, Wells, or Whitley.

In Ohio I; work for a company that offers Three River membership to its employees in Auglaize County, or I live within the Community Development Credit Union area in Van Wert County.

I am related, by blood or marriage, to someone qualifying for membership.


NCUA Insured	Yes / Federally Chartered
Charter Number #	# 159
Date Established	1935
Assets	$2,389.41 million
Loans	$1,814.66 million
Deposits	$1,848.26 million
Capital	$305.44 million

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.

Deposit Rates - December 3, 2024

Your Current Location: Ohio, OH 43085

Savings and Money Market Rates (Share Account Rates)	APY	MIN	MAX
SAV	0.10%	$0	-	Learn More Reviews
Money Market	1.10%	$5,000	$24,999	Learn More Reviews
Money Market	1.20%	$25,000	$44,999	Learn More Reviews
Money Market	1.30%	$45,000	$64,999	Learn More Reviews
Money Market	1.40%	$65,000	$84,999	Learn More Reviews
Money Market	1.50%	$85,000	$124,999	Learn More Reviews
Money Market	1.60%	$125,000	-	Learn More Reviews
Premium Money Market Account	2.25%	$100,000	$249,999	Learn More Reviews
Premium Money Market Account	2.50%	$250,000	$249,999	Learn More Reviews
Premium Money Market Account	2.75%	$500,000	$1,999,999	Learn More Reviews
Premium Money Market Account	3.25%	$2,000,000	$5,000,000	Learn More Reviews
Premium Money Market Account	3.75%	$5,000,000	-	Learn More Reviews

CD Rates (Share Certificate Rates)	APY	MIN	MAX
3 Mo CD	2.00%	$500	-	Learn More Reviews
6 Mo CD	4.55%	$500	-	Learn More Reviews
11 Mo CD	3.50%	$1,000	-	Learn More Reviews
12 Mo CD	4.35%	$1,000	-	Learn More Reviews
18 Mo CD	2.25%	$1,000	-	Learn More Reviews
24 Mo CD	2.25%	$1,000	-	Learn More Reviews
30 Mo CD	2.50%	$1,000	-	Learn More Reviews
36 Mo CD	3.50%	$1,000	-	Learn More Reviews
48 Mo CD	2.50%	$1,000	-	Learn More Reviews
60 Mo CD	2.50%	$1,000	-	Learn More Reviews

Variable IRA Rates	APY	MIN	MAX
IRA Savings	0.25%	$0	-	Learn MoreShow Less

Int Checking Rates	APY	MIN	MAX
INTCK	0.20%	$0	$9,999	Learn MoreShow Less
INTCK	0.25%	$10,000	$24,999	Learn MoreShow Less
Reward	0.30%	$25,000	$49,999	Learn MoreShow Less
Reward	0.35%	$50,000	$74,999	Learn MoreShow Less
Reward	0.40%	$75,000	-	Learn MoreShow Less

Loan Rates - December 3, 2024

Your Current Location: Ohio, OH 43085

There are currently no loan rates available for Three Rivers

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Ohio 30 Year Fixed Mortgage Rates 2024

Lender	APR	Rate (%)	Points	Fees	Monthly Payment	Learn More
NMLS ID: 1835285	6.128%	6.000%	0.88	$4,400	$1,919	Learn More
NMLS ID: 2578474	6.242%	6.125%	0.88	$4,010	$1,945	Learn More
NMLS ID: 66247	6.319%	6.250%	0.75	$2,330	$1,971	Learn More
NMLS ID: 1025894	6.579%	6.490%	0.75	$2,972	$2,021	Learn More

See More Mortgage Rates →

Featured - Ohio Home Equity Line Of Credit Rates 2024

Lender	APR (%)^?	Monthly Payment^?	Learn More
Third Federal Savings and Loan See Table	Intro APR 7.240 % After Intro: 7.240 %	$0	Learn More More Info
Conditions… Variable APR of Prime minus 1.01% in all states. Min loan amount $10,000. Max loan amount $200,000. 30-year term. Annual fee waived for the first year. See conditions for guarantee at thirdfederal.com. Third Federal rate are typically 20% lower than other leaders Guaranteed Lowest Rate No closing costs, prepayment penalties, or minimum draw requirements 10 year draw period
Rate See Table	Intro APR 8.250 % After Intro: 8.250 %	$25,000	Learn More More Info
A Guaranteed Rate HELOC is secured with your home as collateral, whereas personal loans and credit cards are not. To check the rates and terms you qualify for, we will conduct a soft credit pull that will not affect your credit score. However, if you continue and submit an application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit. Approval may be granted in five minutes but is ultimately subject to verification of income and employment, as well as verification that your property is in at least average condition with a property condition report. Five business day funding timeline assumes closing the loan with our remote online notary. Funding timelines may be longer for loans secured by properties located in counties that do not permit recording of e-signatures or that otherwise require an in-person closing. Guaranteed Rate Home Equity Line is an open-end product where the full loan amount (minus lender, broker, third party, and governement fees, as applicable) will be 100% drawn at the time of origination. The initial amount funded at origination will be based on a fixed rate; however, this product contains an additional draw feature. As the borrower repays the balance on the line, the borrower may make additional draws during the draw period. If the borrower elects to make an additional draw, the interest rate for that draw will be set as of the date of the draw and will be based on an Index, which is the Prime Rate published in the Wall Street Journal for the calendar month preceding the date of the additional draw, plus a fixed margin. Accordingly, the fixed rate for any additional draw may be higher than the fixed rate for the initial draw. Apply in 5 minutes, get your money in as fast as 5 days. Digital application experience. Funds directly to your bank account. No in-person appraisal needed.
Achieve Loans See Table	Intro APR 10.625 % After Intro: 10.625 %	$0	Learn More More Info
All terms are estimates until underwriting is complete. Offer shown includes a .50% discount for automatic payment enrollment (autopay enrollment is not a condition of loan approval). 10, 15, 20, and 30-year terms available (20 and 30 year terms only available for cash out requests). All terms have a 5-year draw period with the remaining term being a no draw period. Payments are fully amortized during each period and determined on the outstanding principal balance each month. Closing fees range from $750 to $6,685, depending on line amount and state law requirements and typically include origination (2.5% of line amount) and underwriting ($725) fees if allowed by law. Property must be owner-occupied and combined loan-to-value ratio may not exceed 80%, including the new loan request. Property insurance is required and flood insurance may be required if the subject property is located in a flood zone. You must pledge your home as collateral. Offers are only valid in states where Achieve is licensed. Loans are not available to residents of all states and available loan terms and fees may vary by state where offered. Contact Achieve Loans for further details. Competitive rates, Pre-qualify in minutes Mortgage Advisors standing by to help find the best solution Flexible terms with fast funding Minimum credit score: 640

See More Home Equity Rates →

Note to Three Rivers
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Branches

Below are Three Rivers branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Columbus,Ohio

Three Rivers Locations around zip code 43085

Branch	Distance	Map	View Lobby Hours
Saint Marys	83.66	A	View Lobby Hours
Bluffton	127.75	B	View Lobby Hours
New Haven	130.58	C	View Lobby Hours
Chapel Ridge	133.72	D	View Lobby Hours
Georgetown	134.59	E	View Lobby Hours
Waynedale	136.81	F	View Lobby Hours
North Clinton	138.24	G	View Lobby Hours
West State	138.65	H	View Lobby Hours
Dupont	139.43	I	View Lobby Hours
West Jefferson	140.46	J	View Lobby Hours
Northland East	141.23	K	View Lobby Hours
Scott Road	143.16	L	View Lobby Hours
Auburn	146.85	M	View Lobby Hours
Columbia City	156.24	N	View Lobby Hours
Kendallville	158.45	O	View Lobby Hours

View Branches Nationwide →

Climate Policy and Initiatives

THREE RIVERS is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.

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Financial Details

Three Rivers Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Three Rivers. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio

Three Rivers	U.S. Average
3.29%	5.83

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of June 30, 2024, Three Rivers had $10,196,899 in non-current loans and $371,325 in owned assets. To cover these potential losses it had $305,437,463 in net worth and $15,880,094 in loans loss reserves. That gives it a Texas Ratio of 3.29%.

Net Worth

Three Rivers	U.S. Average
12.88%	13.93%

Three Rivers FCU has a net worth of 12.88% versus the BestCashCow average of 13.93. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Customer Reviews for Three Rivers

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