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Advertiser Disclosure
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 Three Rivers Federal Credit Union Rates & Review November 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: October 28, 2026
Three Rivers Federal Credit Union's 12 Month CD rates are at 3.75%, 6 Month CD rates are at 3.75%, 36 Month CD rates are at 3.50%, 11 Month Safety CD rates are at 3.25%, 60 Month CD rates are at 3.00%. Three Rivers Federal Credit Union's savings rates are at 3.00%. Three Rivers Federal Credit Union's money market rates are at 3.00%. Three Rivers Federal Credit Union's checking rates are as high as 2.00%. Three Rivers Federal Credit Union's 15 Year Fixed (Conforming) rates are at 6.75%, 30 Year Fixed (Conforming) rates are at 7.12%, 10 Year Fixed (Conforming) rates are at 7.00%, 20 Year Fixed (Conforming) rates are at 7.38%. Three Rivers Federal Credit Union's Personal Loan Rates are as low as 12.66%. Three Rivers Federal Credit Union's Credit Card Rates are at 18.00%. Three Rivers Federal Credit Union's CD rates are 9% higher than the MonitorBankRates national average, and it has an A health rating. MonitorBankRates evaluates the financial stability of Three Rivers Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 6.39%. Rates last updated and verified on 10/28/2026. Three Rivers Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Three Rivers Federal Credit Union? Share your experience about Three Rivers Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Three Rivers Federal Credit Union. Three Rivers Federal Credit Union
Northland East 1605 Northland Blvd
https://www.3riversfcu.org Fort Wayne, IN 46825  Customer Reviews
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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends. Three Rivers Federal Credit Union CD Rates
Three Rivers Federal Credit Union Savings Rates
Three Rivers Federal Credit Union Money Market Rates
Three Rivers Federal Credit Union Checking Rates
Three Rivers Federal Credit Union Mortgage Rates
Three Rivers Federal Credit Union Home Equity & HELOC
Three Rivers Federal Credit Union Auto Loan Rates
Three Rivers Federal Credit Union Credit Card Rates
Three Rivers Federal Credit Union Personal Loan Rates
Three Rivers Federal Credit Union Other Rates
Financial Health HistoryThree Rivers Federal Credit Union’s Texas Ratio rose from 4.60% in Q3 2023 to 6.39% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A+ to A. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)
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How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Three Rivers Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Three Rivers Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Three Rivers Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Three Rivers Federal Credit Union
Website
https://www.3riversfcu.org
Address
1605 Northland Blvd,
Fort Wayne, IN 46825
Phone
260-490-8328
Fax
260-489-9362
President
Brent Spindler
CEO
Don Cates
Full-Time Employees
492
Part-Time Employees
5
Branch Locations
25
ATM Locations
34
NCUA Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (97/100)
Texas Ratio
6.39%
Return on Assets (ROA)
0.9580%
Return on Equity (ROE)
7.2269%
Non-Performing Loans Ratio (NPL)
1.47%
Total Assets
2,929,440,038
Total Amount of Shares and Deposits
2,079,943,006
Total Shares and Deposits < 1 Year
2,013,124,524
Total Shares and Deposits 1 3 Years
60,923,440
Total Shares and Deposits > 3 Years
5,895,043
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
338,609,375
Total Uninsured Shares and Deposits > $250K (F+J)
338,636,437
Total Insured Shares and Deposits > $250K (item 17 less item K)
1,741,306,569
Total Interest Expense (Sum of items 6 8)
23,089,995
Share Certificates
13,936
Number of Accounts for Share Drafts
90,597
IRA KEOGH Accounts
2,402
Number of Accounts for Regular Shares
95,088
All other shares
13,266
Non Member Deposits
819
Money Market Shares
6,434
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
11,916,471
Total Liabilities
2,564,315,176
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
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Frequently Asked Questions About Three Rivers Federal Credit UnionDoes Three Rivers Federal Credit Union offer CDs?Yes. Three Rivers Federal Credit Union current CD rates include its 12 Month CD at 3.75% APY, its 6 Month CD at 3.75% APY and its 36 Month CD at 3.50% APY, verified by MonitorBankRates as of October 28, 2026. Are CDs from Three Rivers Federal Credit Union NCUA insured?Yes. Three Rivers Federal Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category. What is the highest CD rate at Three Rivers Federal Credit Union?The highest Three Rivers Federal Credit Union CD rate is its 12 Month CD at 3.75% APY, verified by MonitorBankRates as of October 28, 2026. What CD terms does Three Rivers Federal Credit Union offer?Three Rivers Federal Credit Union CD rates are 3.75% APY for a 6 month CD, 3.25% APY for an 11 month CD, 3.75% APY for a 12 month CD, 2.50% APY for an 18 month CD, 2.25% APY for a 2 year CD, 3.50% APY for a 3 year CD and 3.00% APY for a 5 year CD, verified by MonitorBankRates as of October 28, 2026. The institution may offer other terms or specials that are not listed here, so check with Three Rivers Federal Credit Union for its full lineup. What is the highest savings rate at Three Rivers Federal Credit Union?The highest Three Rivers Federal Credit Union savings rate is its Livin' Free Savings at 3.00% APY, verified by MonitorBankRates as of October 28, 2026. What is the highest money market rate at Three Rivers Federal Credit Union?The highest Three Rivers Federal Credit Union money market rate is its Jumbo Money Market at 3.00% APY, verified by MonitorBankRates as of October 28, 2026. What is the highest checking rate at Three Rivers Federal Credit Union?The highest Three Rivers Federal Credit Union checking rate is its Dividends+ Checking at 2.00% APY, verified by MonitorBankRates as of October 28, 2026. What is the lowest 30 year fixed mortgage rate at Three Rivers Federal Credit Union?The lowest Three Rivers Federal Credit Union 30 year fixed mortgage rate is its 30 Year Fixed (Conforming) at 7.125%, verified by MonitorBankRates as of October 28, 2026. Three Rivers Federal Credit Union mortgage rates are 7.125% for a 30 year mortgage, 7.375% for a 20 year mortgage, 6.75% for a 15 year mortgage and 7.00% for a 10 year mortgage. What is the lowest auto loan rate at Three Rivers Federal Credit Union?The lowest Three Rivers Federal Credit Union auto loan rate is its Auto, Truck & Motorcycle Vehicle Loan at 5.49%, verified by MonitorBankRates as of October 28, 2026. What is the lowest personal loan rate at Three Rivers Federal Credit Union?The lowest Three Rivers Federal Credit Union personal loan rate is its Unsecured Term Loan at 11.99%, verified by MonitorBankRates as of October 28, 2026. What is the lowest credit card APR at Three Rivers Federal Credit Union?The lowest Three Rivers Federal Credit Union credit card APR is its Mastercard Credit Card at 18.00% APR, verified by MonitorBankRates as of October 28, 2026. How many branches does Three Rivers Federal Credit Union operate?Three Rivers Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join Three Rivers Federal Credit Union?Yes, to access services at Three Rivers Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, Three Rivers Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Three Rivers Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Three Rivers Federal Credit Union offer online and mobile banking?Most modern institutions like Three Rivers Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.3riversfcu.org. Are all CD rates listed on MonitorBankRates federally insured?Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account. I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit. If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money. Why are some CD offers not available for me to open?Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules. How do Three Rivers Federal Credit Union rates compare?Three Rivers Federal Credit Union's CD rates are 9% higher than the MonitorBankRates national average, and it has an A health rating. Three Rivers Federal Credit Union's top rates are its 12 Month CD at 3.75% APY, its Livin' Free Savings at 3.00% APY, its Jumbo Money Market at 3.00% APY, its Dividends+ Checking at 2.00% APY, its 15 Year Fixed (Conforming) at 6.75%, its Unsecured Term Loan at 12.66% APR and its Mastercard Credit Card at 18.00% APR, verified by MonitorBankRates on October 28, 2026. Current Three Rivers Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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