Rates

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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.

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¹APR=Annual Percentage Rate. All rates advertised are based upon borrowers qualifications. Rate for 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 7.75%. 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 7.75%. 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.

Apply for a 3Rivers Auto & Truck Loan

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.

Membership required, to learn more visit www.3riversfcu.org/join

Payment Example:

Vehicle - 60 months @ 2.94% your payment will be roughly $17.94 monthly per $1000 borrowed.

Please use our Loan Payment Calculator for additional scenarios relevant to your unique needs.

For No (FICO) Score Applicants: 72m max term.

APR Calculations above have been based on the minimum loan amount and for the maximum term listed and account for a VSI Fee of $39 and a loan processing fee of $99. Your APR will vary depending on your loan amount, interest rate & loan term.

Apply for a 3Rivers Powersport/Other Loan

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

**2019 and older units in this category must be financed using our Unsecured Term Loan options

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.

Membership required, to learn more visit www.3riversfcu.org/join

Payment Example(s):
• Motorcycle, ATV, Personal Watercraft & Snowmobiles – 60 month @ 3.49% your payment will be roughly $18.19 monthly per $1,000 borrowed
• Please use our Loan Payment Calculator for additional scenarios relevant to your unique needs.

No (FICO) Score Applicants: 72m max term.

APR Calculations above have been based on the minimum loan amount and for the maximum term listed and account for a VSI Fee of $39 and a loan processing fee of $99. Your APR will vary depending on your loan amount, interest rate & loan term.

Apply for a 3Rivers Camper/RV Loan

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.

Membership required, to learn more visit www.3riversfcu.org/join

* For Camper / RV or Boat Loans where model year is from 2016 to 2019, add 1% to the listed rates. Where model year is 2012 to 2015, add 2%. If model year is 2011 or older add 3% to the listed rates.

Payment Examples
• Camper/RV – 60 month @ 4.99% your payment will be roughly $18.87 monthly per $1,000 borrowed
• Please use our Loan Payment Calculator for additional scenarios relevant to your unique needs.

Term guidelines: 12-60 months minimum loan amount $5K. 61-72 months minimum loan amount $10K. 73-96 months minimum loan amount $15K. 97-144 months minimum loan amount $15K. 145-180 months minimum loan amount $25K.

APR Calculations above have been based on the minimum loan amount and for the maximum term listed and account for a VSI Fee of $39 and a loan processing fee of $99. Your APR will vary depending on your loan amount, interest rate & loan term.

Apply for your 3Rivers Unsecured Loan

Membership required, to learn more visit www.3riversfcu.org/join

Apply for your 3Rivers Unsecured Loan

* Minimum loan amount of $3,000; minimum term is 24 months.

** APR Calculations above have been based on the minimum loan amount and for the maximum term listed, and account for a loan processing fee of $99. Your APR will vary depending on your loan amount, interest rate & loan term.

Membership required, to learn more visit www.3riversfcu.org/join

Payment Example(s):
• Term – 60 months @ 10.89% your payment will be roughly $21.69 monthly per $1,000 borrowed
• Please use our Loan Payment Calculator for additional scenarios relevant to your unique needs.

Apply for a 3Rivers MasterCard

¹No annual fee. Annual percentage rate and credit limit based on credit analysis and evaluation.

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¹No annual fee. Annual percentage rate and credit limit based on credit analysis and evaluation.

Apply for New Loan   Refi Existing Loan

⁽¹⁾ The Annual Percentage Rate is subject to change after consummation. Your interest rate is variable and may be adjusted quarterly on each January 1, April 1, July 1 and October 1 (Adjustment Date) based on the Prime index as published in the Wall Street Journal on the first business day of the month immediately prior to the Adjustment Date (e.g., December, March, June and September). Any increase in the index may increase the APR and the amount of your monthly payment.

⁽²⁾ (2) The "Index" for the quarter beginning July 1st, 2022, is 4.00%, which was the Prime index published in the Wall Street Journal on the first business day of June 2022. Current offered rate(s) are calculated by using the Index, Margin and Floor value(s) in effect. Your specific Interest Rate and/or credit approval depends upon the credit qualifications of the student borrower and co-borrower (if applicable). The APR will not exceed 18.00%, or fall below the Floor rate (currently 4.99%) regardless of the Index. Margin will be disclosed at account opening.

Student Choice applications are submitted via our website at: http://3riversfcu.studentchoice.org

⁽³⁾ Total loan amount considered will be subject to a $100,000 unsecured aggregate limit (excludes credit cards). 

⁽⁴⁾ APR shown is calculated using the 'as low as' rate, the maximum term, the minimum amount, and a $99 loan processing fee. Your rate is fixed at the time of loan origination and will be determined based on your Loan Term & FICO score/data obtained from your credit file. No Early Payoff Penalties.

Membership required, to learn more visit www.3riversfcu.org/join

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.

²Please note: the rates displayed here are the current rates for both Epic or Dividends+ Checking accounts.

³APY = Annual Percentage Rate. $25 minimum opening balance. There is no minimum balance requirement after opening. Rates are variable and set by the Board of Directors on a monthly basis. Fees could reduce earnings. Applicable transactions must be posted during the qualifications cycle in order to be counted towards requirements for rewards. A $5 monthly maintenance fee applies to Dividends+ Checking if monthly qualifications are not met.

⁴Click Here for the Dividends+ Checking Calendar for qualifications and rewards cycles

⁵An dividend rate of 1.98% (APY 2.00%) will be paid only on the portion of your daily balance that is less than $10,000.00.

⁶An dividend rate of 0.15% (APY 0.15%) will be paid only on the portion of your daily balance that is greater than $10,000.00.

^₇A Base dividend rate of 0.01% (APY 0.01%) will be paid on your entire daily balance if requirements are not met.

Monthly Maintenance Fee: $5
Monthly maintenance fee is waived if statement is delivered electronically and ANY ONE of the following is true:

• Your Cash Back Checking account is 30 days old or less
• You have at least ten (10) 3Rivers debit card transactions that clear your account during the statement cycle

¹$25 minimum balance required to open. A $2,000 minimum daily balance is required to avoid a $5 monthly maintenance fee. 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.

Learn More about Community Checking

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.

Learn More about Business Checking

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.

Learn More about our Certificate Options

1 - Penalty varies based upon the term of the certificate (and may include principal) as follows: Under 1 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.

2 - 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.

3 - 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 opened at least 30 days to be eligible for penalty free withdrawal. Entire balance must be closed to withdrawal funds.

4 - 7-Month Certificate Special: Limited time offer and subject to discontinuation at any time without advance notice. Available to both consumer and business members. IRA option available on consumer certificates. Upon renewal, will renew at a 6-Month Term."

5 - 33-Month Certificate Special: Limited time offer and subject to discontinuation at any time without advance notice. Available to both consumer and business members. IRA option available on consumer certificates. Upon renewal, will renew at a 36-Month Term.

^* Penalty varies based upon the term of the certificate (and may include principal) as follows: Under 1 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..

¹ Variable rate account, rate is subject to change anytime 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. There may be a penalty for early withdrawal. Dividends compounded daily and paid the last day of each month. Certificates are insured up to $250,000 by the NATIONAL CREDIT UNION ADMINISTRATION.

IRA options available only on consumer certificates.

^* $5 minimum balance required to open. Monthly maintenance free is waived if ANY ONE of the following is true:

• You Receive eStatements
• Your Stand 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.

¹ Available to members up to age 25. Upon turning age 26, account will become a Standard Savings Account. Limited to one Livin' Free Savings Account per individual tax owner. $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.

⁴An dividend rate of 2.50% (APY 2.53%) will be paid only on the portion of your daily balance that is less than $500.01.

⁵An dividend rate of 0.10% (APY 0.10%) will be paid only on the portion of your daily balance that is greater than $500.00.

Learn More about Money Market Accounts

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.

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.

Learn More about Money Market Accounts

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 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.

³ APY=Annual Percentage Yield. Deposit accounts are insured by account ownership up to $250,000 by the NATIONAL CREDIT UNION ADMINISTRATION.

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.

Learn More about Health Saving Accounts

No minimum opening balance required.

¹Dividends 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. Dividend rates are tiered. If the balance falls below the minimum for the tier, the dividend rate drops to the rate for the next tier.

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.

Learn More about Individual Retirement Accounts

^* NO minimum balance required to open. IRA rates are variable and set by the Board of Directors on a monthly basis. Rate subject to change after account is opened. 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. Roth, Traditional, CESA options available. Share Certificates in various terms are also available. Dividends are paid from current income and available earnings after required transfers to reserves are made at the end of a dividend period. Dividends are not guaranteed. IRA rates are variable and set by the Board of Directors on a monthly basis.

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.

Note: A $10 annual maintenance fee will be assessed on accounts under $1,000.00 beginning January 31, 2019.