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%

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Three Rivers Federal Credit Union

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Three Rivers Federal Credit Union Rates & Review August 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: August 28, 2026

Three Rivers Federal Credit Union's 12 Month rates are at 3.50%, 6 Month rates are at 3.50%, 11 Month Safety CD rates are at 3.00%, 60 Month rates are at 2.50%, 30 Month rates are at 2.25%. 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 at 5.74%. 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 5.81%. Rates last updated and verified on 08/28/2026.

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.

Overall Health & Safety Grade

A+

Exceptional Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

5.81%

Excellent Lower than avg

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	3.44%	3.50%	12 Month
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. APY: Annual Percentage Yield. It is the rate actually earned in one year, taking into account the effect of compounding. 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. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.81%
6 Month	3.44%	3.50%	6 Month
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. APY: Annual Percentage Yield. It is the rate actually earned in one year, taking into account the effect of compounding. 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. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.81%
11 Month Safety Certificate	2.96%	3.00%	11 Month
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. APY: Annual Percentage Yield. It is the rate actually earned in one year, taking into account the effect of compounding. 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. 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 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.81%
60 Month	2.47%	2.50%	60 Month
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. APY: Annual Percentage Yield. It is the rate actually earned in one year, taking into account the effect of compounding. 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. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.81%
30 Month	2.23%	2.25%	30 Month
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. APY: Annual Percentage Yield. It is the rate actually earned in one year, taking into account the effect of compounding. 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. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.81%
36 Month	2.23%	2.25%	36 Month
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. APY: Annual Percentage Yield. It is the rate actually earned in one year, taking into account the effect of compounding. 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. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.81%
48 Month	2.23%	2.25%	48 Month
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. APY: Annual Percentage Yield. It is the rate actually earned in one year, taking into account the effect of compounding. 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. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.81%
18 Month	1.98%	2.00%	18 Month
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. APY: Annual Percentage Yield. It is the rate actually earned in one year, taking into account the effect of compounding. 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. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.81%
24 Month	1.98%	2.00%	24 Month
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. APY: Annual Percentage Yield. It is the rate actually earned in one year, taking into account the effect of compounding. 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. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.81%
3 Month	1.98%	2.00%	3 Month
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. APY: Annual Percentage Yield. It is the rate actually earned in one year, taking into account the effect of compounding. 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. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.81%

Three Rivers Federal Credit Union Savings Rates

Product	Rate	APY
Livin' Free Savings	2.96%	3.00%
Min Balance $5 Details 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 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.81%
Any Purpose Savings Certificate	1.98%	2.00%
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. APY: Annual Percentage Yield. It is the rate actually earned in one year, taking into account the effect of compounding. 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. 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 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.81%
Livin' Free Savings	0.10%	0.10%
Min Balance $500 Details 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 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.81%
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 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.81%

Three Rivers Federal Credit Union Money Market Rates

Product	Rate	APY
Jumbo Money Market	2.96%	3.00%
Min Balance $5,000,000 Details A $100,000 minimum balance is required to open. Dividends calculated on daily balance, compounded daily and credited to account at month end. Dividends begin to accrue upon deposit. Dividend rates are tiered. If the balance falls below the minimum for the tier, the dividend rate drops to the rate of the lower tier. Money Market rates are variable and set by the Board of Directors on a monthly basis. A $25 monthly maintenance fee will incur for balances falling below $100,000. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.81%
Jumbo Money Market	2.47%	2.50%
Min Balance $2,000,000 Details A $100,000 minimum balance is required to open. Dividends calculated on daily balance, compounded daily and credited to account at month end. Dividends begin to accrue upon deposit. Dividend rates are tiered. If the balance falls below the minimum for the tier, the dividend rate drops to the rate of the lower tier. Money Market rates are variable and set by the Board of Directors on a monthly basis. A $25 monthly maintenance fee will incur for balances falling below $100,000. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.81%
Jumbo Money Market	2.23%	2.25%
Min Balance $500,000 Details A $100,000 minimum balance is required to open. Dividends calculated on daily balance, compounded daily and credited to account at month end. Dividends begin to accrue upon deposit. Dividend rates are tiered. If the balance falls below the minimum for the tier, the dividend rate drops to the rate of the lower tier. Money Market rates are variable and set by the Board of Directors on a monthly basis. A $25 monthly maintenance fee will incur for balances falling below $100,000. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.81%
Jumbo Money Market	1.98%	2.00%
Min Balance $250,000 Details A $100,000 minimum balance is required to open. Dividends calculated on daily balance, compounded daily and credited to account at month end. Dividends begin to accrue upon deposit. Dividend rates are tiered. If the balance falls below the minimum for the tier, the dividend rate drops to the rate of the lower tier. Money Market rates are variable and set by the Board of Directors on a monthly basis. A $25 monthly maintenance fee will incur for balances falling below $100,000. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.81%
Jumbo Money Market	1.73%	1.75%
Min Balance $100,000 Details A $100,000 minimum balance is required to open. Dividends calculated on daily balance, compounded daily and credited to account at month end. Dividends begin to accrue upon deposit. Dividend rates are tiered. If the balance falls below the minimum for the tier, the dividend rate drops to the rate of the lower tier. Money Market rates are variable and set by the Board of Directors on a monthly basis. A $25 monthly maintenance fee will incur for balances falling below $100,000. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.81%
Money Market	1.49%	1.50%
Min Balance $125,000 Details A $5,000 minimum balance is required to open. 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 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.81%
Money Market	1.39%	1.40%
Min Balance $85,000 Details A $5,000 minimum balance is required to open. 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 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.81%
Money Market	1.29%	1.30%
Min Balance $65,000 Details A $5,000 minimum balance is required to open. 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 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.81%
Money Market	1.19%	1.20%
Min Balance $45,000 Details A $5,000 minimum balance is required to open. 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 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.81%
Money Market	1.09%	1.10%
Min Balance $25,000 Details A $5,000 minimum balance is required to open. 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 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.81%
Money Market	0.99%	1.00%
Min Balance $5,000 Details A $5,000 minimum balance is required to open. 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 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.81%
Money Market	0.85%	0.85%
Min Balance $500,000 Details 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 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.81%
Personal Money Market Accounts	0.85%	0.85%
Min Balance $500,000 Details 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 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.81%
Money Market	0.75%	0.75%
Min Balance $125,000 Details 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 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.81%
Personal Money Market Accounts	0.75%	0.75%
Min Balance $125,000 Details 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 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.81%
Money Market	0.70%	0.70%
Min Balance $75,000 Details 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 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.81%
Personal Money Market Accounts	0.70%	0.70%
Min Balance $75,000 Details 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 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.81%
Money Market	0.60%	0.60%
Min Balance $35,000 Details 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 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.81%
Personal Money Market Accounts	0.60%	0.60%
Min Balance $35,000 Details 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 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.81%
Money Market	0.55%	0.55%
Min Balance $10,000 Details 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 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.81%
Personal Money Market Accounts	0.55%	0.55%
Min Balance $10,000 Details 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 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.81%
Jumbo Money Market	0.25%	0.25%
Min Balance $0 Details A $100,000 minimum balance is required to open. Dividends calculated on daily balance, compounded daily and credited to account at month end. Dividends begin to accrue upon deposit. Dividend rates are tiered. If the balance falls below the minimum for the tier, the dividend rate drops to the rate of the lower tier. Money Market rates are variable and set by the Board of Directors on a monthly basis. A $25 monthly maintenance fee will incur for balances falling below $100,000. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.81%

Three Rivers Federal Credit Union Checking Rates

Product	Rate	APY
Business Plus Checking	0.15%	0.15%
Min Balance $25,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.81%
Community Checking	0.15%	0.15%
Min Balance $25,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.81%
Business Plus Checking	0.10%	0.10%
Min Balance $0 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.81%
Community Checking	0.10%	0.10%
Min Balance $0 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.81%

Three Rivers Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Variable Rate Home Equity LOC	7.00%	-	7.56%	10 year draw period, payments are 1.25% of outstanding balance.
Details As Low As Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.81%
Interest Only Home Equity LOC	8.50%	-	9.55%	5 year draw period. Monthly payment will be all accrued yet unpaid finance charg
Details As Low As Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.81%

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 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.81%
Vehicle Loan	5.49%	-	5.74%
Details As Low As Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.81%

Three Rivers Federal Credit Union Credit Card Rates

Product	Rate	APR
3Rivers Mastercard® credit card	-	3.00%
Details Cash Advances Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.81%
3Rivers Mastercard® credit card	-	18.00%
Details As low as 18% APR; 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. There is no annual fee and no balance transfer fee for the 3Rivers Mastercard® credit card. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.81%

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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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 489

Part-Time Employees 7

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

5.81%

Return on Assets (ROA)

1.2877%

Return on Equity (ROE)

9.9065%

Non-Performing Loans Ratio (NPL)

1.20%

Total Assets

2,717,550,747

Total Amount of Shares and Deposits

2,014,334,145

Total Shares and Deposits < 1 Year

1,961,460,427

Total Shares and Deposits 1 3 Years

49,439,713

Total Shares and Deposits > 3 Years

3,434,005

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

286,670,241

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

286,688,203

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

1,727,645,942

Total Interest Expense (Sum of items 6 8)

36,957,462

Share Certificates

14,864

Number of Accounts for Share Drafts

88,299

IRA KEOGH Accounts

2,449

Number of Accounts for Regular Shares

94,727

All other shares

13,064

Non Member Deposits

4,020

Money Market Shares

6,186

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)

108,999,821

Total Liabilities

2,391,551,809

Source: NCUA — Last Updated 09/30/2025

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☆☆☆☆☆

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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.