Rates

Choose a product to view our competitive rates.

Certificates      Checking      Credit Card      Money Market
Mortgage      Personal      Savings      Student      Vehicle

Certificates / IRA Certificates

Grow your savings with competitive, guaranteed rates.

Apply Now Learn More

Certificates / IRA Certificates

Disclaimer

1 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.

2 APY: Annual Percentage Yield. It is the rate actually earned in one year, taking into account the effect of compounding.

3 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 If funds are withdrawn before the maturity date, an early withdrawal penalty is applicable and may include principal.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: Limited time offer and subject to discontinuation at any time without advance notice. 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.

**11-Month Safety Certificate: Limited time offer and subject to discontinuation at any time without advance notice. Available to both consumer and business members. Upon renewal, will renew as the 12-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.

IRA certificates exclude the Any Purpose Savings Certificate, 3 month Certificate and 11 month safety certificates.
Term Minimum Balance to Open Dividend Rate1 APY2
Any Purpose Savings Certificate* $25.00 1.98% 2.00%
3 Month $500 1.98% 2.00%
6 Month $500 3.44% 3.50%
11 Month Safety Certificate** $1,000 2.96% 3.00%
12 Month $1,000 3.20% 3.25%
18 Month $1,000 1.98% 2.00%
24 Month $1,000 1.98% 2.00%
30 Month $1,000 2.23% 2.25%
36 Month $1,000 2.23% 2.25%
48 Month $1,000 2.23% 2.25%
60 Month $1,000 2.47% 2.50%

Checking Accounts

Choose the checking account that fits your life.

Open Account Learn More

Dividends+ Checking

Disclaimer

1VARIABLE RATE ACCOUNT: rate is subject to change anytime after account opening. Fees could reduce earnings.

2 RATE: Dividend Rate. The fixed or variable rate paid.

3 APY: Annual Percentage Yield. It is the rate actually earned in one year, taking into account the effect of compounding.
Balance Tier1 Dividend Rate2 APY3
Portion up to $9,999.99 1.98% 2.00%
Portion $10,000+ 0.15% 0.15%
Base rate (paid on entire portion if requirements are not met) 0.01% 0.01%

Cash Back Rewards

Disclaimer

*Qualification Information: Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account’s rewards. Monthly Qualification Cycle means the calendar month, beginning first day of the month through end of business (4:00 pm EST) on the last day of the month. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, signature-based and PIN-based debit card purchases less than $0.01, debit card purchases processed by merchants and received by 3Rivers Federal Credit Union as ATM transactions, non-retail payment transactions, and purchases made with debit cards not issued 3Rivers Federal Credit Union. Transactions bundled together by merchants and received by 3Rivers Federal Credit Union as a single transaction count as a single transaction for the purpose of earning account rewards.

Reward Information: When Cash Back Checking qualifications are met during a Monthly Qualification Cycle, you will receive one-percent (1.00%) cash back on up to a total of $1,000.00 signature-based and PIN-based debit card purchases that post and settle to the account during that cycle period. A maximum of $10.00 cash back may be earned per Monthly Qualification Cycle based on account qualifications. When Cash Back Checking qualifications are not met, no cash back payments are made. Cash back payments will be credited to your Cash Back Checking account on the last day of current statement cycle. Rates and rewards are variable and may change after account is opened.

Additional Information: Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. A $25 minimum deposit is required to open the account. Enrollment in electronic services (e.g. online banking, electronic statements, and log-ons may be required to meet some of the account’s qualifications. A $5 monthly maintenance fee, which can be waivered if account receives only eStatements and either 1.) the account has been open for equal to or fewer than 30 days or 2.) the account has at least ten (10) qualifying debit card transactions that clear the account during the Monthly Qualification Cycle. Contact a 3Rivers Federal Credit Union service representative for additional information, details, restrictions, processing limitations, and enrollment instructions.
Cycle Debit Card Transactions Cash Back Rate* Max Refund Amount
1 to 19 Transactions 1.00% $2.50
20 to 39 Transactions 1.00% $5.00
40 to 59 Transactions 1.00% $7.50
60+ Transactions 1.00% $10.00

Community Checking

Disclaimer
1 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.

2 APY=Annual Percentage Yield. Deposit accounts are insured by account ownership up to $250,000 by the NATIONAL CREDIT UNION ADMINISTRATION.
Balance Dividend Rate1 APY2
Up to $24,999.99 0.10% 0.10%
$25,000+ 0.15% 0.15%

Business Plus Checking

Disclaimer
1Variable 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.

2APY=Annual Percentage Yield. Deposit accounts are insured by account ownership up to $250,000 by the NATIONAL CREDIT UNION ADMINISTRATION.
Balance Dividend Rate1 APY2
Up to $24,499.99 0.10% 0.10%
$25,000+ 0.15% 0.15%

Credit Cards

The 3Rivers Mastercard® credit card makes everyday spending more rewarding.

Apply Now Learn More

Mastercard Credit Card

Disclaimer
1The Annual Percentage Rate (APR) for purchases, balance transfers and cash advances is fixed at 18.00%, which means it 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. There is no annual fee and no balance transfer fee for the 3Rivers Mastercard® credit card.
Perk Description
Annual Percentage Rate1 As low as 18% APR1
Minimum Finance Charge NONE
Annual Fee NONE
Grace Period If you pay your previous balance in full on or before the due date shown on your previous statement, you will have a grace period on purchases of 25 days from the statement closing date to the payment due date.
Cash Advances 3%
Balance Transfer Fee NONE
Over Limit Fee NONE
Late Payment Fee $25.00 if payment is more than 10 days late
Method of Computing Balance Average daily balance including new transactions
Schedule to Apply Learn More

Business Mastercard Credit Card

Disclaimer

1The Annual Percentage Rate (APR) for purchases, balance transfers and cash advances is fixed at 18.00%, which means it 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. There is no annual fee and no balance transfer fee for the 3Rivers Business Mastercard credit card.

2The earning cash back is equal to 1 point for every $1 transferred or purchases made with the 3Rivers Business Mastercard. Cash back is not redeemable by way of cash or check, but in the form of statement credits. Rewards can be redeemed through digital banking.
Perk Description
Annual Percentage Rate1 As low as 18% APR1
Minimum Finance Charge NONE
Annual Fee NONE
Grace Period If you pay your previous balance in full on or before the due date shown on your previous statement, you will have a grace period on purchases of 25 days from the statement closing date to the payment due date.
Cash Advances 3%
Balance Transfer Fee NONE
Over Limit Fee NONE
Late Payment Fee $25.00 if payment is more than 10 days late
Method of Computing Balance Average daily balance including new transactions

Money Market

Money market account options designed for different savings goals and balance levels.

Open Account Learn More

Money Plus

Disclaimer
1A $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.

2 RATE: Dividend Rate. The fixed or variable rate paid.

3 APY: Annual Percentage Yield. It is the rate actually earned in one year, taking into account the effect of compounding.
Balance1 Dividend Rate2 APY3
$10,000-$34,999.99 0.55% 0.55%
$35,000-$74,999.99 0.60% 0.60%
$75,000 to $124,999.99 0.70% 0.70%
$125,000 to $499,999.99 0.75% 0.75%
$500,000+ 0.85% 0.85%

Jumbo Money Market

Disclaimer

1 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.

2 RATE: Dividend Rate. The fixed or variable rate paid.

3 APY: Annual Percentage Yield. It is the rate actually earned in one year, taking into account the effect of compounding.
Balance1 Dividend Rate2 APY3
Up to - $99,999.99 0.25% 0.25%
$100,000 - $249,999.99 1.73% 1.75%
$250,000 - $499,999.99 1.98% 2.00%
$500,000 - $1,999,999.99 2.23% 2.25%
$2,000,000 - $4,999,999.99 2.47% 2.50%
$5,000,000+ 2.96% 3.00%

Money Market

Disclaimer
1A $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.

2Variable 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.

3APY=Annual Percentage Yield. Deposit accounts are insured by account ownership up to $250,000 by the NATIONAL CREDIT UNION ADMINISTRATION.
Balance1 Dividend Rate2 APY3
$5,000 - $24,999.99 0.99% 1.00%
$25,000 - $44,999.99 1.09% 1.10%
$45,000 - $64,999.99 1.19% 1.20%
$65,000 - $84,999.99 1.29% 1.30%
$85,000 - $124,999.99 1.39% 1.40%
$125,000+ 1.49% 1.50%

Mortgage

First-time buyer or refinancing, we're here to make home financing simple, affordable, and stress-free.

Contact Us Learn More

Mortgage Rates

Disclaimer
1Rates are subject to change without notice and are based upon borrower qualifications and credit review. Rate posted assumes the purpose of the loan is to purchase a primary residence, loan amount of $150,000, Loan to Value of 60% or less, Debt to Income ratio of less than 40%, credit score of 780 or above.

2Annual Percentage Rate (APR) is calculated based on a loan amount of $150,000.00.
Program Name Rate (as low as)1 APR2 Points
10 Year Fixed (Conforming) 6.000% 6.261% 0.000%
15 Year Fixed (Conforming) 5.750% 5.933% 0.000%
20 Year Fixed (Conforming) 6.125% 6.273% 0.000%
30 Year Fixed (Conforming) 6.000% 6.110% 0.000%

Second Mortgage

Disclaimer
1APR=Annual Percentage Rate. All rates advertised are based upon borrowers qualifications. 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 6.75%. Interest rate will never be less than 3% nor greater than 18%.

All home lending products are subject to credit and property approval. Rates, program terms and conditions are subject to change without notice. Not all products are available in all states. Other restrictions and limitations apply. Our Home Equity loan products may not be used to purchase the property being used as collateral. With home equity loans, depending on how the loan proceeds are used, you may be able to deduct the interest you pay. The interest you pay on credit cards and other types of personal loans is generally not tax-deductible. Consult your tax advisor about the deductibility of interest.

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 6.75%. Interest rate will never be less than 3% nor greater than 18%.

Closed End Second Mortgage Loans: Available loan terms vary based on loan amount.

Payment Examples:
Closed End Real Estate – 120 months @ 8.00% your payment will roughly be $12.13 monthly per $1,000 borrowed.

The APR has been calculated using the minimum loan amount and the maximum term listed. Your APR will vary depending on the loan amount, interest rate & loan term.
Second Mortgage Loan Amount Term1 Rate APR1
Interest Only Home Equity LOC $10,000 - $100,000 5 year draw period. Monthly payment will be all accrued yet unpaid finance charges due. as low as 8.50% 9.552%
Closed End Second Mortgage 60 $10,000 - $100,000 60 months as low as 6.75% 7.785%
Closed End Second Mortgage 120 $20,000 - $100,000 120 months as low as 7.75% 8.034%
Closed End Second Mortgage 180 $50,000 - $100,000 180 months as low as 8.25% 8.333%
Variable Rate Home Equity LOC $10,000 - $100,000 10 year draw period, payments are 1.25% of outstanding balance. as low as 7.00% 7.557%

Personal Loans

Consolidating debt, covering unexpected expenses, or funding a major purchase, we have a loan for you.

Apply Now Learn More

Personal Loans

Disclaimer
11APR=Annual Percentage Rate. 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%.

Assume you will borrow $12,000 with $149 loan processing fee; the loan amount will be $12,149. The calculated APR on a 48 month loan with an interest rate of 11.99% would be 12.66%. Assume you will borrow $12,000 with $149 loan processing fee; the loan amount will be $12,149. The calculated APR on a 60 month loan with an interest rate of 12.49% would be 13.04%. Assume you will borrow $15,000 with $149 loan processing fee; the loan amount will be $15,149. The calculated APR on a 72 month loan with an interest rate of 12.99% would be 13.43%.
Unsecured Loans Term Rate (As Low As) APR1
Unsecured Lines of Credit 12.99% 12.99 - 18%
Unsecured Term Loan 12 - 48 months, $5,000 min loan amount 11.99% 12.66 - 18%
Unsecured Term Loan 49 - 60 months, $5,000 min loan amount 12.49% 13.04 - 18%
Unsecured Term Loan 61 - 72 months, $10,000 min loan amount 12.99% 13.43 - 18%

Savings

Saving accounts that fits your goals—simple, convenient, and designed to help grow your money.

Open Account Learn More

Standard Savings

Disclaimer

$5 minimum balance required to open. 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.

1 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.

2APY=Annual Percentage Yield. Deposit accounts are insured by account ownership up to $250,000 by the NATIONAL CREDIT UNION ADMINISTRATION.
Dividend Rate1 APY2
0.10% 0.10%

Livin’ Free Savings

Disclaimer
1Available 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. $5 minimum balance required to open. 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.

2Variable 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.

3APY=Annual Percentage Yield. Deposit accounts are insured by account ownership up to $250,000 by the NATIONAL CREDIT UNION ADMINISTRATION.
Balance1 Dividend Rate2 APY3
Portion up to $500 2.96% 3.00%
Portion over $500.01 0.10% 0.10%

Student Loans

Various student loan products are available. Contact us for more information and details on rates and terms.

Contact Us Learn More

Vehicle Loans

We're here to make buying, refinancing, and protecting your ride simple and easy.

Apply Now Learn More

Vehicle Loan Rates

Disclaimer
1APR=Annual Percentage Rate. All rates advertised are based upon borrowers’ qualifications and will depend on a variety of factors, including, but not limited to: the model year of the vehicle, whether the vehicle is new or used, credit history, loan amount, loan term, loan to value ratio of vehicle, etc. All 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.

2Vehicle 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%.

3Camper / 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%.

4Powersport/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%.
Vehicle Loans Rate (As Low As) APR1
Auto, Truck & Motorcycle 5.49% 5.74%2
Boat, Camper & RV 6.99% 7.14%3
Powersport & Other 6.99% 7.41%4