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

Current rates for Three Rivers Federal Credit Union include: 12-Month CD: 3.00%, 18-Month CD: 2.00%, 24-Month CD: 2.00%, 60-Month CD: 2.50%, Savings: 0.10%, MMA: 0.25%

MonitorBankRates

☰

Quick Poll The Fed raised rates 0.25% on Sept. 16. Will you move money into a higher-yield account?

Home›
Credit Unions›
Three Rivers Federal Credit Union

iAdvertiser Disclosure

Three Rivers Federal Credit Union Rates & Review September 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: September 20, 2026

Three Rivers Federal Credit Union's 12 Month CD rates are at 3.50%, 12 Month IRA CD rates are at 3.50%, 6 Month CD rates are at 3.50%, 6 Month IRA CD rates are at 3.50%, 11 Month Safety CD rates are at 3.00%. Three Rivers Federal Credit Union's savings rates are at 0.10%. Three Rivers Federal Credit Union's money market rates are at 0.25%. 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%. 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 5.45%. Rates last updated and verified on 09/20/2026.

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 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

5.45%

Excellent Lower 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

Three Rivers Federal Credit Union CD Rates

Product	Rate	APY	Term
12 Month Certificate	3.44%	3.50%	12 Month
Min Deposit $1,000 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
12 Month IRA Certificate	3.44%	3.50%	12 Month
Min Deposit $1,000 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
6 Month Certificate	3.44%	3.50%	6 Month
Min Deposit $500 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
6 Month IRA Certificate	3.44%	3.50%	6 Month
Min Deposit $500 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
11 Month Safety Certificate	2.96%	3.00%	11 Month
Min Deposit $1,000 Details Term: 11 Month Safety Certificate; Available to both consumer and business members. Upon renewal, will renew as the 11-Month Certificate. Account must be open at least 30 days to be eligible for penalty-free withdrawal. Entire balance must be closed to withdraw funds. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
60 Month Certificate	2.47%	2.50%	60 Month
Min Deposit $1,000 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
60 Month IRA Certificate	2.47%	2.50%	60 Month
Min Deposit $1,000 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
30 Month Certificate	2.23%	2.25%	30 Month
Min Deposit $1,000 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
30 Month IRA Certificate	2.23%	2.25%	30 Month
Min Deposit $1,000 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
36 Month Certificate	2.23%	2.25%	36 Month
Min Deposit $1,000 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
36 Month IRA Certificate	2.23%	2.25%	36 Month
Min Deposit $1,000 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
48 Month Certificate	2.23%	2.25%	48 Month
Min Deposit $1,000 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
48 Month IRA Certificate	2.23%	2.25%	48 Month
Min Deposit $1,000 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
18 Month Certificate	1.98%	2.00%	18 Month
Min Deposit $1,000 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
18 Month IRA Certificate	1.98%	2.00%	18 Month
Min Deposit $1,000 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
24 Month Certificate	1.98%	2.00%	24 Month
Min Deposit $1,000 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
24 Month IRA Certificate	1.98%	2.00%	24 Month
Min Deposit $1,000 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
3 Month Certificate	1.98%	2.00%	3 Month
Min Deposit $500 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
3 Month IRA Certificate	1.98%	2.00%	3 Month
Min Deposit $500 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
3 month Any Purpose Savings Certificate	1.98%	2.00%	3 months
Min Deposit $25 Details Upon renewal, will renew at a 3-month term. This certificate allows for the accountholder to add funds throughout the term of the certificate. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
24 month Any Purpose Savings Certificate	1.98%	2.00%	24 months
Min Deposit $25 Details 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. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%

Three Rivers Federal Credit Union Savings Rates

Product	Rate	APY
Livin' Free Savings	2.96%	3.00%
Min Deposit $5 Min Balance $0 Details Balance: Portion up to $500; 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. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
Livin' Free Savings	0.10%	0.10%
Min Deposit $5 Min Balance $500 Details Balance: Portion over $500.01; 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. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
Standard Savings	0.10%	0.10%
Min Balance $5 Details Monthly maintenance fee is waived if ANY ONE of the following is true: You Receive eStatements; Your Standard Savings account maintains a minimum daily balance of at least $500.00; Your individual combined relationship has a minimum daily balance of at least $2,500.00; Your Standard Savings account is 60 days old or less; The primary owner is under the age 18; You are 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. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%

Three Rivers Federal Credit Union Money Market Rates

Product	Rate	APY
Jumbo Money Market	2.96%	3.00%
Min Deposit $100,000 Min Balance $5,000,000 Details Balance: $5,000,000+; A $25 monthly maintenance fee will incur for balances falling below $100,000. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
Jumbo Money Market	2.47%	2.50%
Min Deposit $100,000 Min Balance $2,000,000 Details Balance: $2,000,000 - $4,999,999.99; A $25 monthly maintenance fee will incur for balances falling below $100,000. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
Jumbo Money Market	2.23%	2.25%
Min Deposit $100,000 Min Balance $500,000 Details Balance: $500,000 - $1,999,999.99; A $25 monthly maintenance fee will incur for balances falling below $100,000. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
Jumbo Money Market	1.98%	2.00%
Min Deposit $100,000 Min Balance $250,000 Details Balance: $250,000 - $499,999.99; A $25 monthly maintenance fee will incur for balances falling below $100,000. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
Jumbo Money Market	1.73%	1.75%
Min Deposit $100,000 Min Balance $100,000 Details Balance: $100,000 - $249,999.99; A $25 monthly maintenance fee will incur for balances falling below $100,000. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
Money Market	1.49%	1.50%
Min Deposit $5,000 Min Balance $125,000 Details Balance: $125,000+; 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. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
Money Market	1.39%	1.40%
Min Deposit $5,000 Min Balance $85,000 Details Balance: $85,000 - $124,999.99; 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. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
Money Market	1.29%	1.30%
Min Deposit $5,000 Min Balance $65,000 Details Balance: $65,000 - $84,999.99; 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. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
Money Market	1.19%	1.20%
Min Deposit $5,000 Min Balance $45,000 Details Balance: $45,000 - $64,999.99; 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. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
Money Market	1.09%	1.10%
Min Deposit $5,000 Min Balance $25,000 Details Balance: $25,000 - $44,999.99; 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. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
Money Market	0.99%	1.00%
Min Deposit $5,000 Min Balance $5,000 Details Balance: $5,000 - $24,999.99; 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. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
Money Market	0.85%	0.85%
Min Balance $500,000 Details Balance: $500,000+; A $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 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
Personal Money Market Accounts	0.85%	0.85%
Min Balance $500,000 Details Balance: $500,000+; 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 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
Money Market	0.75%	0.75%
Min Balance $125,000 Details Balance: $125,000 to $499,999.99; A $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 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
Personal Money Market Accounts	0.75%	0.75%
Min Balance $125,000 Details Balance: $125,000 to $499,999.99; 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 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
Money Market	0.70%	0.70%
Min Balance $75,000 Details Balance: $75,000 to $124,999.99; A $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 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
Personal Money Market Accounts	0.70%	0.70%
Min Balance $75,000 Details Balance: $75,000 to $124,999.99; 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 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
Money Market	0.60%	0.60%
Min Balance $35,000 Details Balance: $35,000-$74,999.99; A $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 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
Personal Money Market Accounts	0.60%	0.60%
Min Balance $35,000 Details Balance: $35,000-$74,999.99; 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 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
Money Market	0.55%	0.55%
Min Balance $10,000 Details Balance: $10,000-$34,999.99; A $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 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
Personal Money Market Accounts	0.55%	0.55%
Min Balance $10,000 Details Balance: $10,000-$34,999.99; 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 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
Jumbo Money Market	0.25%	0.25%
Min Deposit $100,000 Min Balance $0 Details Balance: Up to - $99,999.99; A $25 monthly maintenance fee will incur for balances falling below $100,000. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%

Three Rivers Federal Credit Union Checking Rates

Product	Rate	APY
Dividends Checking	1.98%	2.00%
Min Balance $0 Details Balance: Portion up to $9,999.99; VARIABLE RATE ACCOUNT: rate is subject to change anytime after account opening. Fees could reduce earnings. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
Business Plus Checking	0.15%	0.15%
Min Balance $25,000 Details Balance: $25,000+ Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
Community Checking	0.15%	0.15%
Min Balance $25,000 Details Balance: $25,000+ Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
Dividends Checking	0.15%	0.15%
Min Balance $10,000 Details Balance: Portion $10,000+; VARIABLE RATE ACCOUNT: rate is subject to change anytime after account opening. Fees could reduce earnings. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
Business Plus Checking	0.10%	0.10%
Min Balance $0 Details Balance: Up to $24,499.99 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
Community Checking	0.10%	0.10%
Min Balance $0 Details Balance: Up to $24,999.99 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
Dividends Checking	0.01%	0.01%
Min Balance $0 Details Balance: Base rate (paid on entire portion if requirements are not met); VARIABLE RATE ACCOUNT: rate is subject to change anytime after account opening. Fees could reduce earnings. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%

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.; 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 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
Interest Only Home Equity LOC	8.75%	-	9.81%	5 year
Details Term: 5 year draw period. Monthly payment will be all accrued yet unpaid finance charges due.; As Low As; Rate for Interest Only Home Equity LOC is based on prime (index), as published in the Wall Street Journal on the last day of the month, 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 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%

Three Rivers Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR
Auto Loans	-	-	5.74%
Details As low as 5.74% APR Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
Auto, Truck & Motorcycle	5.49%	-	5.74%
Details As Low As; Loans are subject to credit approval. 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. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%

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

Product	Rate	APR
Boat, Camper & RV Loan	6.99%	7.14%
Details As Low As; 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%. Loans are subject to credit approval. 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. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
Powersport & Other Loan	6.99%	7.41%
Details As Low As; 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%. Loans are subject to credit approval. 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. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%

Three Rivers Federal Credit Union Credit Card Rates

Product	Rate	APR	View More
3Rivers Mastercard	-	18.00%
Details Annual Percentage Rate (APR) is fixed at 18.00% and will not fluctuate based upon Prime Rate or other indices. Rate is subject to change as permitted by the Credit Card Agreement and applicable laws, which may include, but are not limited to, failure to comply with Agreement terms (such as late payments), or the expiration of any introductory or promotional offer rate period. You will be provided advance notice of changes to the fixed APR as required by law. Fixed Rate APR applies only to the interest rate on outstanding card balances. Other fees or penalty rates may apply as detailed in your Credit Card Agreement and Schedule of Fees. No annual fee and no balance transfer fee. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%

Three Rivers Federal Credit Union Personal Loan Rates

Product	APR	Term
Unsecured Term Loan	12.66%	12 - 48 months
Details Published APR range: 12.66 - 18%. As Low As; $5,000 min loan amount Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
Unsecured Lines of Credit Loan	12.99%
Details Published APR range: 12.99 - 18%. As Low As Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
Unsecured Term Loan	13.04%	49 - 60 months
Details Published APR range: 13.04 - 18%. As Low As; $5,000 min loan amount Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
Unsecured Term Loan	13.43%	61 - 72 months
Details Published APR range: 13.43 - 18%. As Low As; $10,000 min loan amount Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%

Three Rivers Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Closed End Second Mortgage 120	7.75%	-	8.03%	120 months
Details As Low As; Closed End Second Mortgage Loans: Available loan terms vary based on loan amount. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
Closed End Second Mortgage 180	8.25%	-	8.33%	180 months
Details As Low As; Closed End Second Mortgage Loans: Available loan terms vary based on loan amount. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%

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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Three Rivers Federal Credit Union’s Texas Ratio rose from 4.05% in Q2 2023 to 5.45% in Q1 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. 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
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+
June 30, 2023	$2.3B	4.05%	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 493

Part-Time Employees 9

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

5.45%

Return on Assets (ROA)

0.4570%

Return on Equity (ROE)

3.4364%

Non-Performing Loans Ratio (NPL)

1.21%

Total Assets

2,805,333,521

Total Amount of Shares and Deposits

2,087,788,025

Total Shares and Deposits < 1 Year

2,015,334,642

Total Shares and Deposits 1 3 Years

66,561,631

Total Shares and Deposits > 3 Years

5,891,751

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

308,640,569

Total Uninsured Shares and Deposits > $250K (F+J)

308,669,466

Total Insured Shares and Deposits > $250K (item 17 less item K)

1,779,118,559

Total Interest Expense (Sum of items 6 8)

11,323,714

Share Certificates

14,115

Number of Accounts for Share Drafts

89,631

IRA KEOGH Accounts

2,407

Number of Accounts for Regular Shares

94,826

All other shares

13,186

Non Member Deposits

3,640

Money Market Shares

6,383

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)

81,001,332

Total Liabilities

2,456,404,668

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

Three Rivers Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.

<a href="https://monitorbankrates.com/credit-unions/three-rivers-federal-credit-union-rates-review-159">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

There are no reviews for Three Rivers Federal Credit Union yet. Feel free to create one below.

Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.

Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for Three Rivers Federal Credit Union

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 CD3.00%
18-Month CD2.00%
24-Month CD2.00%
60-Month CD2.50%
Savings0.10%
MMA0.25%

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

Compare to Other Credit Unions

Three Rivers Federal Credit Union Rates & Review September 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 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