What are the current interest rates at Three Rivers Federal Credit Union?

Current rates for Three Rivers Federal Credit Union include: 12-Month CD: 3.25%, 18-Month CD: 2.50%, 24-Month CD: 2.25%, 60-Month CD: 3.00%, Savings: 3.00%, MMA: 3.00%

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Three Rivers Federal Credit Union

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Three Rivers Federal Credit Union Rates & Review October 2026

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 12, 2026

Three Rivers Federal Credit Union's top rates as of October 12, 2026 are 3.75% APY on its 1 Year CDs CD, 3.00% APY on savings, 3.00% APY on money market accounts, 2.00% APY on checking, personal loans from 12.66% APR, and credit cards from 18.00% APR, according to rates verified by MonitorBankRates. Other Three Rivers Federal Credit Union CD rates include 6 Month CD at 3.75%, 36 Month CD at 3.50%, and 11 Month Safety CD at 3.25%. 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 10/12/2026.

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.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

6.39%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

Three Rivers Federal Credit Union
Northland East

1605 Northland Blvd
Fort Wayne, IN 46825

https://www.3riversfcu.org

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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

Product	Rate	APY	Term
1 Year Certificates	3.68%	3.75%	1 year
Min Deposit $1,000 Min Balance $1,000 Details VARIABLE RATE ACCOUT: rate is subject to change any time after account opening. Fees could reduce earnings. Please see our Rate & Fee Disclosure Statement for further information about fees potentially related to these accounts. Penalty varies based upon the term of the certificate (and may include principal) as follows: Under one year = the equivalent of 30 days' dividends; 12-36 months = the equivalent of 180 days' dividends; over 36 months = the equivalent of 365 days' dividends; Any Purpose Savings = the equivalent of 90 days' dividends. If funds are withdrawn before the maturity date, an early withdrawal penalty is applicable and may include principal. Any Purpose Savings Certificate: Allows accountholder to select a term ranging from 6 to 24 months. Upon renewal, will renew at a 3-month term. This certificate allows for the accountholder to add funds throughout the term of the certificate. IRA certificates exclude the Any Purpose Savings Certificate, 3 month Certificate and 11 month safety certificates. Last Updated 10/12/2026 Rate History 1 change since Sep 20, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50% Oct 12, 20263.75%▲ from 3.50% Sep 20, 20263.50%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.39%
6 Month Certificate	3.68%	3.75%	6 months
Min Deposit $500 Min Balance $500 Details VARIABLE RATE ACCOUT: rate is subject to change any time after account opening. Fees could reduce earnings. Please see our Rate & Fee Disclosure Statement for further information about fees potentially related to these accounts. Penalty varies based upon the term of the certificate (and may include principal) as follows: Under one year = the equivalent of 30 days' dividends; 12-36 months = the equivalent of 180 days' dividends; over 36 months = the equivalent of 365 days' dividends; Any Purpose Savings = the equivalent of 90 days' dividends. If funds are withdrawn before the maturity date, an early withdrawal penalty is applicable and may include principal. Any Purpose Savings Certificate: Allows accountholder to select a term ranging from 6 to 24 months. Upon renewal, will renew at a 3-month term. This certificate allows for the accountholder to add funds throughout the term of the certificate. IRA certificates exclude the Any Purpose Savings Certificate, 3 month Certificate and 11 month safety certificates. Last Updated 10/12/2026 Rate History 1 change since Sep 20, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50% Oct 12, 20263.75%▲ from 3.50% Sep 20, 20263.50%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.39%
36 Month Certificate	3.44%	3.50%	36 months
Min Deposit $1,000 Min Balance $1,000 Details VARIABLE RATE ACCOUT: rate is subject to change any time after account opening. Fees could reduce earnings. Please see our Rate & Fee Disclosure Statement for further information about fees potentially related to these accounts. Penalty varies based upon the term of the certificate (and may include principal) as follows: Under one year = the equivalent of 30 days' dividends; 12-36 months = the equivalent of 180 days' dividends; over 36 months = the equivalent of 365 days' dividends; Any Purpose Savings = the equivalent of 90 days' dividends. If funds are withdrawn before the maturity date, an early withdrawal penalty is applicable and may include principal. Any Purpose Savings Certificate: Allows accountholder to select a term ranging from 6 to 24 months. Upon renewal, will renew at a 3-month term. This certificate allows for the accountholder to add funds throughout the term of the certificate. IRA certificates exclude the Any Purpose Savings Certificate, 3 month Certificate and 11 month safety certificates. Last Updated 10/12/2026 Rate History 1 change since Sep 20, 2026 · 2.25% → 3.50% ▲ 1.25 pts · high 3.50% / low 2.25% Oct 12, 20263.50%▲ from 2.25% Sep 20, 20262.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.39%
11 Month Safety Certificate	3.20%	3.25%	11 months
Min Deposit $1,000 Min Balance $1,000 Details VARIABLE RATE ACCOUT: rate is subject to change any time after account opening. Fees could reduce earnings. Please see our Rate & Fee Disclosure Statement for further information about fees potentially related to these accounts. Penalty varies based upon the term of the certificate (and may include principal) as follows: Under one year = the equivalent of 30 days' dividends; 12-36 months = the equivalent of 180 days' dividends; over 36 months = the equivalent of 365 days' dividends; Any Purpose Savings = the equivalent of 90 days' dividends. If funds are withdrawn before the maturity date, an early withdrawal penalty is applicable and may include principal. Any Purpose Savings Certificate: Allows accountholder to select a term ranging from 6 to 24 months. Upon renewal, will renew at a 3-month term. This certificate allows for the accountholder to add funds throughout the term of the certificate. IRA certificates exclude the Any Purpose Savings Certificate, 3 month Certificate and 11 month safety certificates. Last Updated 10/12/2026 Rate History 1 change since Sep 20, 2026 · 3.00% → 3.25% ▲ 0.25 pts · high 3.25% / low 3.00% Oct 4, 20263.25%▲ from 3.00% Sep 20, 20263.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.39%
60 Month Certificate	2.96%	3.00%	60 months
Min Deposit $1,000 Min Balance $1,000 Details VARIABLE RATE ACCOUT: rate is subject to change any time after account opening. Fees could reduce earnings. Please see our Rate & Fee Disclosure Statement for further information about fees potentially related to these accounts. Penalty varies based upon the term of the certificate (and may include principal) as follows: Under one year = the equivalent of 30 days' dividends; 12-36 months = the equivalent of 180 days' dividends; over 36 months = the equivalent of 365 days' dividends; Any Purpose Savings = the equivalent of 90 days' dividends. If funds are withdrawn before the maturity date, an early withdrawal penalty is applicable and may include principal. Any Purpose Savings Certificate: Allows accountholder to select a term ranging from 6 to 24 months. Upon renewal, will renew at a 3-month term. This certificate allows for the accountholder to add funds throughout the term of the certificate. IRA certificates exclude the Any Purpose Savings Certificate, 3 month Certificate and 11 month safety certificates. Last Updated 10/12/2026 Rate History 1 change since Sep 20, 2026 · 2.50% → 3.00% ▲ 0.50 pts · high 3.00% / low 2.50% Oct 12, 20263.00%▲ from 2.50% Sep 20, 20262.50%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.39%
30 Month Certificate	2.71%	2.75%	30 months
Min Deposit $1,000 Min Balance $1,000 Details VARIABLE RATE ACCOUT: rate is subject to change any time after account opening. Fees could reduce earnings. Please see our Rate & Fee Disclosure Statement for further information about fees potentially related to these accounts. Penalty varies based upon the term of the certificate (and may include principal) as follows: Under one year = the equivalent of 30 days' dividends; 12-36 months = the equivalent of 180 days' dividends; over 36 months = the equivalent of 365 days' dividends; Any Purpose Savings = the equivalent of 90 days' dividends. If funds are withdrawn before the maturity date, an early withdrawal penalty is applicable and may include principal. Any Purpose Savings Certificate: Allows accountholder to select a term ranging from 6 to 24 months. Upon renewal, will renew at a 3-month term. This certificate allows for the accountholder to add funds throughout the term of the certificate. IRA certificates exclude the Any Purpose Savings Certificate, 3 month Certificate and 11 month safety certificates. Last Updated 10/12/2026 Rate History 1 change since Sep 20, 2026 · 2.25% → 2.75% ▲ 0.50 pts · high 2.75% / low 2.25% Oct 12, 20262.75%▲ from 2.25% Sep 20, 20262.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.39%
18 Month Certificate	2.47%	2.50%	18 months
Min Deposit $1,000 Min Balance $1,000 Details VARIABLE RATE ACCOUT: rate is subject to change any time after account opening. Fees could reduce earnings. Please see our Rate & Fee Disclosure Statement for further information about fees potentially related to these accounts. Penalty varies based upon the term of the certificate (and may include principal) as follows: Under one year = the equivalent of 30 days' dividends; 12-36 months = the equivalent of 180 days' dividends; over 36 months = the equivalent of 365 days' dividends; Any Purpose Savings = the equivalent of 90 days' dividends. If funds are withdrawn before the maturity date, an early withdrawal penalty is applicable and may include principal. Any Purpose Savings Certificate: Allows accountholder to select a term ranging from 6 to 24 months. Upon renewal, will renew at a 3-month term. This certificate allows for the accountholder to add funds throughout the term of the certificate. IRA certificates exclude the Any Purpose Savings Certificate, 3 month Certificate and 11 month safety certificates. Last Updated 10/12/2026 Rate History 1 change since Sep 20, 2026 · 2.00% → 2.50% ▲ 0.50 pts · high 2.50% / low 2.00% Oct 12, 20262.50%▲ from 2.00% Sep 20, 20262.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.39%
3 Month Certificate	2.47%	2.50%	3 months
Min Deposit $500 Min Balance $500 Details VARIABLE RATE ACCOUT: rate is subject to change any time after account opening. Fees could reduce earnings. Please see our Rate & Fee Disclosure Statement for further information about fees potentially related to these accounts. Penalty varies based upon the term of the certificate (and may include principal) as follows: Under one year = the equivalent of 30 days' dividends; 12-36 months = the equivalent of 180 days' dividends; over 36 months = the equivalent of 365 days' dividends; Any Purpose Savings = the equivalent of 90 days' dividends. If funds are withdrawn before the maturity date, an early withdrawal penalty is applicable and may include principal. Any Purpose Savings Certificate: Allows accountholder to select a term ranging from 6 to 24 months. Upon renewal, will renew at a 3-month term. This certificate allows for the accountholder to add funds throughout the term of the certificate. IRA certificates exclude the Any Purpose Savings Certificate, 3 month Certificate and 11 month safety certificates. Last Updated 10/12/2026 Rate History 1 change since Sep 20, 2026 · 2.00% → 2.50% ▲ 0.50 pts · high 2.50% / low 2.00% Oct 12, 20262.50%▲ from 2.00% Sep 20, 20262.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.39%
6-24 month (member-selected) Any Purpose Savings Certificate	2.23%	2.25%	6-24 months (member-selected)
Min Deposit $25 Min Balance $25 Details VARIABLE RATE ACCOUT: rate is subject to change any time after account opening. Fees could reduce earnings. Please see our Rate & Fee Disclosure Statement for further information about fees potentially related to these accounts. Penalty varies based upon the term of the certificate (and may include principal) as follows: Under one year = the equivalent of 30 days' dividends; 12-36 months = the equivalent of 180 days' dividends; over 36 months = the equivalent of 365 days' dividends; Any Purpose Savings = the equivalent of 90 days' dividends. If funds are withdrawn before the maturity date, an early withdrawal penalty is applicable and may include principal. Any Purpose Savings Certificate: Allows accountholder to select a term ranging from 6 to 24 months. Upon renewal, will renew at a 3-month term. This certificate allows for the accountholder to add funds throughout the term of the certificate. IRA certificates exclude the Any Purpose Savings Certificate, 3 month Certificate and 11 month safety certificates. Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 2.25% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.39%

Three Rivers Federal Credit Union Savings Rates

Product	Rate	APY
Livin' Free Savings	2.96%	3.00%
Min Deposit $5 Details Available to members up to age 25. Upon turning age 26, account will become a Standard Savings Account. Limited to one Livin' Free Savings Account per individual tax owner. Rates are variable and set by the Board of Directors on a monthly basis. Dividends are calculated on the daily balance, compounded monthly, and credited to the account at the end of the month. Dividends begin to accrue upon deposit. Variable rate account, rate is subject to change anytime after account opening. Fees could reduce earnings. Please see our Fee Disclosure Statement for further information about fees potentially related to these accounts. APY=Annual Percentage Yield. Deposit accounts are insured by account ownership up to $250,000 by the NATIONAL CREDIT UNION ADMINISTRATION. Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 3.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.39%
Livin' Free Savings	0.10%	0.10%
Min Deposit $5 Details Available to members up to age 25. Upon turning age 26, account will become a Standard Savings Account. Limited to one Livin' Free Savings Account per individual tax owner. Rates are variable and set by the Board of Directors on a monthly basis. Dividends are calculated on the daily balance, compounded monthly, and credited to the account at the end of the month. Dividends begin to accrue upon deposit. Variable rate account, rate is subject to change anytime after account opening. Fees could reduce earnings. Please see our Fee Disclosure Statement for further information about fees potentially related to these accounts. APY=Annual Percentage Yield. Deposit accounts are insured by account ownership up to $250,000 by the NATIONAL CREDIT UNION ADMINISTRATION. Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.39%
Standard Savings	-	0.10%
Min Balance $5 Details Qualifications Required: eStatements enrollment; Standard Savings account maintains a minimum daily balance of at least $500.00; individual combined relationship has a minimum daily balance of at least $2,500.00; Standard Savings account is 60 days old or less; primary owner is under the age 18; primary owner of an active 3Rivers consumer checking account; Dividends are calculated on the daily balance, compounded monthly and credited to the account at the end of the month. Dividends begin to accrue upon deposit. Savings rates are variable and set by the Board of Directors on a monthly basis. Variable rate account, rate is subject to change anytime after account opening. Fees could reduce earnings. Please see our Fee Disclosure Statement for further information about fees potentially related to these accounts. Deposit accounts are insured by account ownership up to $250,000 by the NATIONAL CREDIT UNION ADMINISTRATION. Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.39%

Three Rivers Federal Credit Union Money Market Rates

Product	Rate	APY
Jumbo Money Market	2.96%	3.00%
Min Balance $5,000,000 Details Balance:; Dividend Rate. The fixed or variable rate paid.; APY. It is the rate actually earned in one year, taking into account the effect of compounding.; A $25 monthly maintenance fee will incur for balances falling below $100,000. Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 3.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.39%
Jumbo Money Market	2.47%	2.50%
Min Balance $2,000,000 Details Balance:; Dividend Rate. The fixed or variable rate paid.; APY. It is the rate actually earned in one year, taking into account the effect of compounding.; A $25 monthly maintenance fee will incur for balances falling below $100,000. Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 2.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.39%
Jumbo Money Market	2.23%	2.25%
Min Balance $500,000 Details Balance:; Dividend Rate. The fixed or variable rate paid.; APY. It is the rate actually earned in one year, taking into account the effect of compounding.; A $25 monthly maintenance fee will incur for balances falling below $100,000. Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 2.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.39%
Jumbo Money Market	1.98%	2.00%
Min Balance $250,000 Details Balance:; Dividend Rate. The fixed or variable rate paid.; APY. It is the rate actually earned in one year, taking into account the effect of compounding.; A $25 monthly maintenance fee will incur for balances falling below $100,000. Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 2.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.39%
Jumbo Money Market	1.73%	1.75%
Min Balance $100,000 Details Balance:; Dividend Rate. The fixed or variable rate paid.; APY. It is the rate actually earned in one year, taking into account the effect of compounding.; A $25 monthly maintenance fee will incur for balances falling below $100,000. Last Updated 10/12/2026 Rate History 2 changes since Sep 20, 2026 · 1.75% → 1.75% ▼ 0.00 pts · high 2.00% / low 1.75% Oct 12, 20261.75%▼ from 2.00% Oct 8, 20262.00%▲ from 1.75% Sep 20, 20261.75%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.39%
Money Market	1.49%	1.50%
Min Deposit $5,000 Min Balance $125,000 Details Balance:; Dividends are calculated on the daily balance, compounded daily and credited to the account at the end of the month. Dividends begin to accrue upon deposit. Dividend rates are tiered. If the balance falls below the minimum for the tier, the rate drops to lower tier. If balance falls below $5,000 during the month, the dividend rate drops to the Standard Savings rate. A $10 monthly maintenance will be incurred on balances less than $5,000. Money Market account rates are variable and set by the Board of Directors on a monthly basis. Variable rate account, rate is subject to change anytime after account opening. Fees could reduce earnings. Please see our Fee Disclosure Statement for further information about fees potentially related to these accounts. APY=Annual Percentage Yield. Deposit accounts are insured by account ownership up to $250,000 by the NATIONAL CREDIT UNION ADMINISTRATION. Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 1.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.39%
Money Market	1.39%	1.40%
Min Deposit $5,000 Min Balance $85,000 Details Balance:; Dividends are calculated on the daily balance, compounded daily and credited to the account at the end of the month. Dividends begin to accrue upon deposit. Dividend rates are tiered. If the balance falls below the minimum for the tier, the rate drops to lower tier. If balance falls below $5,000 during the month, the dividend rate drops to the Standard Savings rate. A $10 monthly maintenance will be incurred on balances less than $5,000. Money Market account rates are variable and set by the Board of Directors on a monthly basis. Variable rate account, rate is subject to change anytime after account opening. Fees could reduce earnings. Please see our Fee Disclosure Statement for further information about fees potentially related to these accounts. APY=Annual Percentage Yield. Deposit accounts are insured by account ownership up to $250,000 by the NATIONAL CREDIT UNION ADMINISTRATION. Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 1.40% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.39%
Money Market	1.29%	1.30%
Min Deposit $5,000 Min Balance $65,000 Details Balance:; Dividends are calculated on the daily balance, compounded daily and credited to the account at the end of the month. Dividends begin to accrue upon deposit. Dividend rates are tiered. If the balance falls below the minimum for the tier, the rate drops to lower tier. If balance falls below $5,000 during the month, the dividend rate drops to the Standard Savings rate. A $10 monthly maintenance will be incurred on balances less than $5,000. Money Market account rates are variable and set by the Board of Directors on a monthly basis. Variable rate account, rate is subject to change anytime after account opening. Fees could reduce earnings. Please see our Fee Disclosure Statement for further information about fees potentially related to these accounts. APY=Annual Percentage Yield. Deposit accounts are insured by account ownership up to $250,000 by the NATIONAL CREDIT UNION ADMINISTRATION. Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 1.30% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.39%
Money Market	1.19%	1.20%
Min Deposit $5,000 Min Balance $45,000 Details Balance:; Dividends are calculated on the daily balance, compounded daily and credited to the account at the end of the month. Dividends begin to accrue upon deposit. Dividend rates are tiered. If the balance falls below the minimum for the tier, the rate drops to lower tier. If balance falls below $5,000 during the month, the dividend rate drops to the Standard Savings rate. A $10 monthly maintenance will be incurred on balances less than $5,000. Money Market account rates are variable and set by the Board of Directors on a monthly basis. Variable rate account, rate is subject to change anytime after account opening. Fees could reduce earnings. Please see our Fee Disclosure Statement for further information about fees potentially related to these accounts. APY=Annual Percentage Yield. Deposit accounts are insured by account ownership up to $250,000 by the NATIONAL CREDIT UNION ADMINISTRATION. Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 1.20% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.39%
Money Market	1.09%	1.10%
Min Deposit $5,000 Min Balance $25,000 Details Balance:; Dividends are calculated on the daily balance, compounded daily and credited to the account at the end of the month. Dividends begin to accrue upon deposit. Dividend rates are tiered. If the balance falls below the minimum for the tier, the rate drops to lower tier. If balance falls below $5,000 during the month, the dividend rate drops to the Standard Savings rate. A $10 monthly maintenance will be incurred on balances less than $5,000. Money Market account rates are variable and set by the Board of Directors on a monthly basis. Variable rate account, rate is subject to change anytime after account opening. Fees could reduce earnings. Please see our Fee Disclosure Statement for further information about fees potentially related to these accounts. APY=Annual Percentage Yield. Deposit accounts are insured by account ownership up to $250,000 by the NATIONAL CREDIT UNION ADMINISTRATION. Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 1.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.39%
Money Market	0.99%	1.00%
Min Deposit $5,000 Min Balance $5,000 Details Balance:; Dividends are calculated on the daily balance, compounded daily and credited to the account at the end of the month. Dividends begin to accrue upon deposit. Dividend rates are tiered. If the balance falls below the minimum for the tier, the rate drops to lower tier. If balance falls below $5,000 during the month, the dividend rate drops to the Standard Savings rate. A $10 monthly maintenance will be incurred on balances less than $5,000. Money Market account rates are variable and set by the Board of Directors on a monthly basis. Variable rate account, rate is subject to change anytime after account opening. Fees could reduce earnings. Please see our Fee Disclosure Statement for further information about fees potentially related to these accounts. APY=Annual Percentage Yield. Deposit accounts are insured by account ownership up to $250,000 by the NATIONAL CREDIT UNION ADMINISTRATION. Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 1.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.39%
Money Plus (Personal Money Market)	0.85%	0.85%
Min Balance $500,000 Details Balance: $0.00 - $9,999.99; $10,000 minimum balance is required to open. May issue up to 3 checks per month. Dividends calculated on daily balance, compounded daily and credited to account at month end. Dividends begin to accrue upon deposit. If balance falls below $10,000 any time during the month, dividend rates becomes equal to stated Standard Savings rate. Money Market rates are variable and set by the Board of Directors on a monthly basis. A $15 monthly maintenance fee will incur for balances falling below $10,000. Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 0.85% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.39%
Money Plus (Personal Money Market)	0.75%	0.75%
Min Balance $125,000 Details Balance: $0.00 - $9,999.99; $10,000 minimum balance is required to open. May issue up to 3 checks per month. Dividends calculated on daily balance, compounded daily and credited to account at month end. Dividends begin to accrue upon deposit. If balance falls below $10,000 any time during the month, dividend rates becomes equal to stated Standard Savings rate. Money Market rates are variable and set by the Board of Directors on a monthly basis. A $15 monthly maintenance fee will incur for balances falling below $10,000. Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 0.75% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.39%
Money Plus (Personal Money Market)	0.70%	0.70%
Min Balance $75,000 Details Balance: $0.00 - $9,999.99; $10,000 minimum balance is required to open. May issue up to 3 checks per month. Dividends calculated on daily balance, compounded daily and credited to account at month end. Dividends begin to accrue upon deposit. If balance falls below $10,000 any time during the month, dividend rates becomes equal to stated Standard Savings rate. Money Market rates are variable and set by the Board of Directors on a monthly basis. A $15 monthly maintenance fee will incur for balances falling below $10,000. Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 0.70% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.39%
Money Plus (Personal Money Market)	0.60%	0.60%
Min Balance $35,000 Details Balance: $0.00 - $9,999.99; $10,000 minimum balance is required to open. May issue up to 3 checks per month. Dividends calculated on daily balance, compounded daily and credited to account at month end. Dividends begin to accrue upon deposit. If balance falls below $10,000 any time during the month, dividend rates becomes equal to stated Standard Savings rate. Money Market rates are variable and set by the Board of Directors on a monthly basis. A $15 monthly maintenance fee will incur for balances falling below $10,000. Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 0.60% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.39%
Money Plus (Personal Money Market)	0.55%	0.55%
Min Balance $10,000 Details Balance: $0.00 - $9,999.99; $10,000 minimum balance is required to open. May issue up to 3 checks per month. Dividends calculated on daily balance, compounded daily and credited to account at month end. Dividends begin to accrue upon deposit. If balance falls below $10,000 any time during the month, dividend rates becomes equal to stated Standard Savings rate. Money Market rates are variable and set by the Board of Directors on a monthly basis. A $15 monthly maintenance fee will incur for balances falling below $10,000. Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 0.55% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.39%
Jumbo Money Market	0.25%	0.25%
Min Balance $0 Details Balance:; Dividend Rate. The fixed or variable rate paid.; APY. It is the rate actually earned in one year, taking into account the effect of compounding.; A $25 monthly maintenance fee will incur for balances falling below $100,000. Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 0.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.39%

Three Rivers Federal Credit Union Checking Rates

Product	Rate	APY
Dividends+ Checking	1.98%	2.00%
Min Balance $0 Details Balance: 0.00 - 0.00; VARIABLE RATE ACCOUNT: rate is subject to change anytime after account opening. Fees could reduce earnings. Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 2.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.39%
Community Checking	0.15%	0.15%
No additional details. Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.15% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.39%
Dividends+ Checking	0.15%	0.15%
Min Balance $0 Details Balance: 0.00 - 0.00; VARIABLE RATE ACCOUNT: rate is subject to change anytime after account opening. Fees could reduce earnings. Last Updated 10/12/2026 Rate History 1 change since Sep 20, 2026 · 0.01% → 0.15% ▲ 0.14 pts · high 0.15% / low 0.01% Oct 12, 20260.15%▲ from 0.01% Sep 20, 20260.01%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.39%
Community Checking	0.10%	0.10%
No additional details. Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.39%
Dividends+ Checking	0.01%	0.01%
Min Balance $0 Details Balance: 0.00 - 0.00; VARIABLE RATE ACCOUNT: rate is subject to change anytime after account opening. Fees could reduce earnings. Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 0.01% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.39%

Three Rivers Federal Credit Union Business Checking Rates

Product	Rate	APY
Business Plus Checking	0.15%	0.15%
Details Variable rate account, rate is subject to change anytime after account opening. Fees could reduce earnings. Please see our Fee Disclosure Statement for further information about fees potentially related to these accounts. Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.15% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.39%
Business Plus Checking	0.10%	0.10%
Details Variable rate account, rate is subject to change anytime after account opening. Fees could reduce earnings. Please see our Fee Disclosure Statement for further information about fees potentially related to these accounts. Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.39%

Three Rivers Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Variable Rate Home Equity LOC	7.25%	-	7.81%	10 year
Details Term: 10 year draw period, payments are 1.25% of outstanding balance.; Loan Amount: $10,000 - $100,000; As Low As; Rate for Variable Rate Home Equity LOC and Interest Only Home Equity LOC is based on prime (index), as published in the Wall Street Journal, plus a margin. Index plus margin equals the Interest Rate. Current prime is 7%. Interest rate will never be less than 3% nor greater than 18%. Last Updated 10/12/2026 Rate History 1 change since Sep 16, 2026 · 7.56% → 7.81% ▲ 0.25 pts · high 7.81% / low 7.56% Sep 20, 20267.81%▲ from 7.56% Sep 16, 20267.56%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.39%
Interest Only Home Equity LOC	8.75%	-	9.805%	5 year
Details Term: 5 year draw period. Monthly payment will be all accrued yet unpaid finance charges due.; Loan Amount: $10,000 - $100,000; As Low As; Rate for Variable Rate Home Equity LOC and Interest Only Home Equity LOC is based on prime (index), as published in the Wall Street Journal, plus a margin. Index plus margin equals the Interest Rate. Current prime is 7%. Interest rate will never be less than 3% nor greater than 18%. Last Updated 10/12/2026 Rate History 1 change since Sep 16, 2026 · 9.55% → 9.81% ▲ 0.25 pts · high 9.81% / low 9.55% Sep 20, 20269.81%▲ from 9.55% Sep 16, 20269.55%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.39%

Three Rivers Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term	View More
Vehicle Loans	5.49%	-	5.74%
Details Vehicle Loans: As Low As; Loan application requires vehicle information, as well as, driver's license number, issue date, and expiration date for all borrowers. Additional restrictions and conditions may apply. Loans are subject to a one-time processing fee. Vehicle Loans assume you will borrow $25,000 with $149 loan processing fee; the loan amount will be $25,149. The calculated APR on a 60 months loan with an interest rate of 5.49% would be 5.74%. Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 5.74% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.39%

Three Rivers Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR
Boat, Camper & RV Loan	6.99%	7.14%
Details Vehicle Loans: As Low As; Loan application requires vehicle information, as well as, driver's license number, issue date, and expiration date for all borrowers. Additional restrictions and conditions may apply. Loans are subject to a one-time processing fee. Camper / RV or Boat Loans where model year is from 2020 to 2022, add 1% to the listed rates. Where model year is 2016 to 2019, add 2%. If model year is 2015 or older add 3% to the listed rates. Assume you will borrow $35,000 with $149 loan processing fee; the loan amount will be $35,149. The calculated APR on 72 month loan with an interest rate of 6.99% would be 7.14%. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 7.14% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.39%
Powersport & Other Loan	6.99%	7.41%
Details Vehicle Loans: As Low As; Loan application requires vehicle information, as well as, driver's license number, issue date, and expiration date for all borrowers. Additional restrictions and conditions may apply. Loans are subject to a one-time processing fee. Powersport/Other includes all vehicles/collateral that have a serial number and/or VIN, and that do not fall into our other vehicle loan categories. Some examples include: ATVs, UTVs, PWCs, Snowmobiles, Scooters, Non-Street Motorcycles, Trailers, Farm/Lawn Tractors/Mowers, Recreational Use Golf Carts. 73-96 months and 97-144 months for Boat Piers, Dock and Lift only. All units in this category must have a VIN and/or Serial Number to qualify. For model years 2020 to 2022, add 1% to the listed rates, model years 2016 to 2019, add 2%. If model year is 2015 or older add 3% to the listed rates. Assume you will borrow $15,000 with a $149 processing fee; the loan amount will be $15,149. The calculated APR on 60 months loan with an interest rate of 6.99% would be 7.41%. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 7.41% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.39%

Three Rivers Federal Credit Union Credit Card Rates

Product	Rate	APR	View More
Mastercard Credit Card	-	18.00%
Details As low as Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 18.00% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.39%

Three Rivers Federal Credit Union Personal Loan Rates

Product	APR	Term
Unsecured Loans	12.66%	12 - 48 months
Details Published APR range: 12.66 - 18%. All rates advertised are based upon borrowers' qualifications and will depend on the minimum loan amount and the maximum term listed, and account for a loan processing fee of $149. Your APR will vary depending on your loan amount, interest rate & loan term. Personal loan rates will range from 11.99%-18%. Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 12.66% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.39%
Unsecured Line of Credit	12.99%
Details Published APR range: 12.99 - 18%. All rates advertised are based upon borrowers' qualifications and will depend on the minimum loan amount and the maximum term listed, and account for a loan processing fee of $149. Your APR will vary depending on your loan amount, interest rate & loan term. Personal loan rates will range from 11.99%-18%. Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 12.99% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.39%
Unsecured Loans	13.04%	49 - 60 months
Details Published APR range: 13.04 - 18%. All rates advertised are based upon borrowers' qualifications and will depend on the minimum loan amount and the maximum term listed, and account for a loan processing fee of $149. Your APR will vary depending on your loan amount, interest rate & loan term. Personal loan rates will range from 11.99%-18%. Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 13.04% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.39%
Unsecured Loans	13.43%	61 - 72 months
Details Published APR range: 13.43 - 18%. All rates advertised are based upon borrowers' qualifications and will depend on the minimum loan amount and the maximum term listed, and account for a loan processing fee of $149. Your APR will vary depending on your loan amount, interest rate & loan term. Personal loan rates will range from 11.99%-18%. Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 13.43% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.39%

Three Rivers Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Second Mortgage	7.75%	-	8.034%	120 months
Details Loan Amount: $20,000 - $100,000; As Low As; Rate for Variable Rate Home Equity LOC and Interest Only Home Equity LOC is based on prime (index), as published in the Wall Street Journal, plus a margin. Index plus margin equals the Interest Rate. Current prime is 7%. Interest rate will never be less than 3% nor greater than 18%. Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 8.03% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.39%
Second Mortgage	8.25%	-	8.333%	180 months
Details Loan Amount: $50,000 - $100,000; As Low As; Rate for Variable Rate Home Equity LOC and Interest Only Home Equity LOC is based on prime (index), as published in the Wall Street Journal, plus a margin. Index plus margin equals the Interest Rate. Current prime is 7%. Interest rate will never be less than 3% nor greater than 18%. Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 8.33% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.39%
Money Plus	0.55%	-	0.55%
Min Balance $10,000 Details Balance:; If balance falls below $10,000 any time during the month, dividend rates becomes equal to stated Standard Savings rate. Money Market rates are variable and set by the Board of Directors on a monthly basis. A $15 monthly maintenance fee will incur for balances falling below $10,000. Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 0.55% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.39%
Money Plus	0.60%	-	0.60%
Min Balance $35,000 Details Balance:; If balance falls below $10,000 any time during the month, dividend rates becomes equal to stated Standard Savings rate. Money Market rates are variable and set by the Board of Directors on a monthly basis. A $15 monthly maintenance fee will incur for balances falling below $10,000. Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 0.60% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.39%
Money Plus	0.70%	-	0.70%
Min Balance $75,000 Details Balance:; If balance falls below $10,000 any time during the month, dividend rates becomes equal to stated Standard Savings rate. Money Market rates are variable and set by the Board of Directors on a monthly basis. A $15 monthly maintenance fee will incur for balances falling below $10,000. Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 0.70% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.39%
Money Plus	0.75%	-	0.75%
Min Balance $125,000 Details Balance:; If balance falls below $10,000 any time during the month, dividend rates becomes equal to stated Standard Savings rate. Money Market rates are variable and set by the Board of Directors on a monthly basis. A $15 monthly maintenance fee will incur for balances falling below $10,000. Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 0.75% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.39%
Money Plus	0.85%	-	0.85%
Min Balance $500,000 Details Balance:; If balance falls below $10,000 any time during the month, dividend rates becomes equal to stated Standard Savings rate. Money Market rates are variable and set by the Board of Directors on a monthly basis. A $15 monthly maintenance fee will incur for balances falling below $10,000. Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 0.85% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.39%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

Three 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)

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

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$2.9B	6.39%	5.0	A
March 31, 2026	$2.8B	5.45%	5.0	A+
December 31, 2025	$2.7B	6.54%	5.0	A
September 30, 2025	$2.7B	5.81%	5.0	A+
June 30, 2025	$2.7B	5.47%	5.0	A+
March 31, 2025	$2.6B	4.97%	5.0	A+
December 31, 2024	$2.5B	6.62%	5.0	A
September 30, 2024	$2.5B	6.35%	5.0	A
June 30, 2024	$2.4B	6.01%	5.0	A
March 31, 2024	$2.4B	4.58%	5.0	A+
December 31, 2023	$2.3B	5.75%	5.0	A+
September 30, 2023	$2.3B	4.60%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates 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

Financials

MonitorBankRates 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

Q2 2026 MBR Health & Safety Badge

Three Rivers Federal Credit Union earned the Verified Healthy badge

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Customer Reviews

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Frequently Asked Questions About Three Rivers Federal Credit Union

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.

Current Three Rivers Federal Credit Union Rates

12-Month CD3.25%
18-Month CD2.50%
24-Month CD2.25%
60-Month CD3.00%
Savings3.00%
MMA3.00%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Three Rivers Federal Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Three Rivers Federal Credit Union Texas Ratio

Three Rivers Federal Credit Union Health Trend

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 Business Checking Rates

Three Rivers Federal Credit Union Home Equity & HELOC

Three Rivers Federal Credit Union Auto Loan Rates

Three Rivers Federal Credit Union RV, Boat and Powersport 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 History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Three Rivers Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Three Rivers Federal Credit Union

How many branches does Three Rivers Federal Credit Union operate?

Is a member application needed to join Three Rivers Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Three Rivers Federal Credit Union offer online and mobile banking?

Current Three Rivers Federal Credit Union Rates

Compare to Other Credit Unions