Start Your Relationship
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Become a Member
If you’re ready to start a lifelong banking relationship with a local organization you can trust, then 3Rivers is for you. Join us today!
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Undergrad Student Loans
We’re committed to supporting our members’ education. Our undergraduate private student loans can help fill the gaps in your college funding.
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SAVE WITH TURBOTAX
Save time and money with TurboTax®. Save up to $15 on TurboTax federal product and take comfort in knowing your taxes will be done right.
No tax knowledge needed | Double checks as you go | You're never alone
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MORTGAGE OPTIONS
Whether buying a starter home, a dream house, or just looking for lower mortgage payments, 3Rivers has programs to fit your needs.
3Rivers is the #1 place to finance your home purchase. We even have options for new construction loans and first-time home owners.
Apply for a Mortgage | Learn About First-time Home Buying | Apply for a Home Equity Loan
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REFINANCE YOUR STUDENT LOAN
Once you graduate college, it’s time to start paying off your student debt. 3Rivers can help you by consolidating your loans into one payment, which could potentially lower your interest rate and reduce what you pay each month.
“I consistently receive excellent, flexible, and personalized service for my business banking needs at 3Rivers.”
3Rivers Business Member
Checking Rates
With a series of unique checking account options to fit your lifestyle, we can help you spend money easily and responsibly. Earn credits to buy digital music. Or get back on the right track, away from financial troubles. We’ll work with you to find the right account.
Savings Rates
We offer many different savings solutions designed for your unique financial needs. From Money Markets to simple savings accounts to college funds and more, we’ll help you realize that big goal you have in mind.
Loans Rates
Not every loan is for something big like a car or a house. Sometimes you just need a small loan to cover a smaller purchase or to consolidate some small debt and pay it off more quickly. And, of course, we can help you buy that car or house as well.
Credit Cards Rates
It’s easy to see why cardholders use their 3Rivers credit cards more than the others in their wallets. Get a competitive rate, a chance to earn rewards, and so much more.
Rhythm Checking
- Rhythm Checking
- 3-01-2019
Balance Tier 1 |
Dividend Rate2 |
APY 3 |
|||
|---|---|---|---|---|---|
Portion up to $10,000.99 5 |
1.50% |
1.51% |
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Portion over $10,001 6 |
0.15% |
0.15% |
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Base rate (paid on entire portion if requirements are not met) 7 |
0.01% |
0.01% |
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If you choose the Tunes Rewards option, you will receive a $10 opening bonus and up to $5 in monthly rebates when you meet the month requirements of the account. 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 Please note: the rates displayed here are the current rates for both Epic or Rhythm Checking (Dividend Rewards) accounts. 3 APY = Annual Percentage Rate. $25 minimum opening balance. There is no minimum balance requirement after opening. An Epic or Rhythm Checking qualifications cycle is the last day of the month preceding through the second to last day of qualification month. For example, May’s qualification cycle runs from April 30th through May 30th. 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 Rhythm Checking if monthly qualifications are not met. 4 Click here for the Rhythm Checking Calendar for qualifications and rewards cycles. 5 An interest rate of 1.50% (APY 1.51%) will be paid only on the portion of your daily balance that is less than $10,001.00. 6 An interest rate of 0.15% (APY 0.15%) will be paid only on the portion of your daily balance that is greater than $10,000.99. 7 A Base interest rate of 0.01% (APY 0.01%) will be paid on your entire daily balance if requirements are not met. | |||||
Reward Checking
- Reward Checking
- 3-01-2019
Balance1 |
Dividend Rate2 |
APY3 |
|||
|---|---|---|---|---|---|
Up to $9,999.99 |
0.10% |
0.10% |
|||
$10,000 to $24,999.99 |
0.20% |
0.20% |
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$25,000 to $49,999.99 |
0.25% |
0.25% |
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$50,000 to $74,999.99 |
0.30% |
0.30% |
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$75,000.00 + |
0.40% |
0.40% |
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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. 2 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. 3 APY=Annual Percentage Yield. Deposit accounts are insured by account ownership up to $250,000 by the NATIONAL CREDIT UNION ADMINISTRATION. Additional insurance coverage of $250,000 is provided by EXCESS SHARE INSURANCE for total protection up to $500,000. | |||||
Business Plus Checking
- Business Plus Checking
- 3-01-2019
Balance |
Dividend Rate 1 |
APY 2 |
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|---|---|---|---|---|---|
Up to $2,499.99 |
0.10% |
0.10% |
|||
$2,500 to $9,999.99 |
0.10% |
0.10% |
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$10,000 to $24,999.99 |
0.10% |
0.10% |
|||
$25,000+ |
0.15% |
0.15% |
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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. Additional insurance coverage of $250,000 is provided by EXCESS SHARE INSURANCE for total protection up to $500,000. | |||||
Standard Savings
- Standard Savings
- 3-01-2019
Dividend Rate 1 |
APY 2 |
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|---|---|---|---|---|---|
0.10% |
0.10% |
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* $5 minimum balance required to open. 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. 2 APY=Annual Percentage Yield. Deposit accounts are insured by account ownership up to $250,000 by the NATIONAL CREDIT UNION ADMINISTRATION. Additional insurance coverage of $250,000 is provided by EXCESS SHARE INSURANCE for total protection up to $500,000. | |||||
Livin’ Free Savings
- Livin’ Free Savings
- 3-01-2019
Balance1 |
Dividend Rate2 |
APY3 |
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|---|---|---|---|---|---|
Portion up to $5004 |
5.00% |
5.12% |
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Portion over $500.015 |
0.10% |
0.10% |
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1 Available to members age 13 to 25. $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. 2 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 3 APY=Annual Percentage Yield. Deposit accounts are insured by account ownership up to $250,000 by the NATIONAL CREDIT UNION ADMINISTRATION. Additional insurance coverage of $250,000 is provided by EXCESS SHARE INSURANCE for total protection up to $500,000. 4 An interest rate of 5% (APY 5.12%) will be paid only on the portion of your daily balance that is less than $500.01. 5 An interest rate of 0.10% (APY 0.10%) will be paid only on the portion of your daily balance that is greater than $500.00. | |||||
Health Savings Account (HSA)
- Health Savings Account (HSA)
- 3-01-2019
Balance1 |
Dividend Rate2 |
APY3 |
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|---|---|---|---|---|---|
Up to $24,999.99 |
0.10% |
0.10% |
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$25,000+ |
0.15% |
0.15% |
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No minimum opening balance required. 1Dividends 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 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. Additional insurance coverage of $250,000 is provided by EXCESS SHARE INSURANCE for total protection up to $500,000. | |||||
Individual Retirement Account (IRA)
- Individual Retirement Account (IRA)
- 3-01-2019
Dividend Rate1 |
APY2 |
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|---|---|---|---|---|---|
0.50% |
0.50% |
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* $25 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. Additional insurance coverage of $250,000 is provided by EXCESS SHARE INSURANCE for total protection up to $500,000. Note: A $10 annual maintenance fee will be assessed on accounts under $1,000.00 beginning January 31, 2019 | |||||
Certificates / IRA Certificates
- Certificates / IRA Certificates
- 3-01-2019
Term |
Minimum Balance to Open |
Dividend Rate1 |
APY2 |
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|---|---|---|---|---|---|
3 Month |
$500 |
0.30% |
0.30% |
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6 Month |
$500 |
0.65% |
0.65% |
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12 Month |
$1,000 |
0.90% |
0.90% |
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18 Month |
$1,000 |
1.09% |
1.10% |
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24 Month |
$1,000 |
1.29% |
1.30% |
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30 Month |
$1,000 |
1.39% |
1.40% |
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36 Month |
$1,000 |
1.49% |
1.50% |
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48 Month |
$1,000 |
1.59% |
1.60% |
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60 Month |
$1,000 |
1.73% |
1.75% |
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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. 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. Additional insurance coverage of $250,000 is provided by EXCESS SHARE INSURANCE for total protection up to $500,000. IRA options available only on consumer certificates. | |||||
Share Certificate Special
- Share Certificate Special
- 3-01-2019
Term/Options1 |
Minimum Balance to Open |
Dividend Rate2 |
APY3 |
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|---|---|---|---|---|---|
13 Month – No New Money Required |
$10,000 |
2.23% |
2.25% |
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13 Month – 50% New Money Required |
$20,000* |
2.52% |
2.55% |
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1 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 12-Month Term. To receive the higher rate, a $20,000 minimum opening balance is required, at least 50% of which must be funds not already on deposit with 3Rivers Federal Credit Union at the time of account opening OR have a membership tenure of 20+ years. 2 Variable rate account. Rate is subject to change. Fees could reduce earnings. Please see our Fee Disclosure Statement for further information about potentially related fees. 3 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. Additional insurance coverage of $250,000 is provided by EXCESS SHARE INSURANCE for total protection up to $500,000. | |||||
Money Plus Money Market
- Money Plus Money Market
- 3-01-2019
Balance1 |
Dividend Rate2 |
APY3 |
|||
|---|---|---|---|---|---|
$10,000-$34,999.99 |
0.25% |
0.25% |
|||
$35,000-$74,999.99 |
0.30% |
0.30% |
|||
$75,000 to $124,999.99 |
0.40% |
0.40% |
|||
$125,000 to $499.999.99 |
0.50% |
0.50% |
|||
$500.000+ |
0.75% |
0.75% |
|||
1 A $10,000 minimum balance is required to open. May issue up to three 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 Regular Savings rate. 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 $15 monthly maintence fee will incur for balances falling below $10,000. 2 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. 3 APY=Annual Percentage Yield. Deposit accounts are insured by account ownership up to $250,000 by the NATIONAL CREDIT UNION ADMINISTRATION. Additional insurance coverage of $250,000 is provided by EXCESS SHARE INSURANCE for total protection up to $500,000. | |||||
Index Money Market
- Index Money Market
- 3-01-2019
Balance1 |
Dividend Rate2 |
APY3 |
|||
|---|---|---|---|---|---|
Up to - $99,999.99 |
0.25% |
0.25% |
|||
$100,000 - $249,999.99 |
2.00% |
2.02% |
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$250,000 - $499,999.99 |
2.25% |
2.27% |
|||
$500,000 - $999,999,999.99 |
2.50% |
2.53% |
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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. If the balance falls below the minimum for the tier, the dividend rate drops to the rate of the lower tier. Index Money Market rates are variable and set by the Federal Funds Index, which means the rate will align with market interest rates, and not arbitrarily set by the credit union. A $25 monthly maintence fee will incur for balances falling below $100,000. 2 Variable rate account, rate is subject to change anytime after account opening. Rate is aligned with the Federal Reserve Fed Funds Rate and adjusts at the first of the month following any Federal Reserve rate adjustment. 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. Additional insurance coverage of $250,000 is provided by EXCESS SHARE INSURANCE for total protection up to $500,000. | |||||
OMA Money Market
- OMA Money Market
- 3-01-2019
Balance1 |
Dividend Rate2 |
APY3 |
|||
|---|---|---|---|---|---|
Up to $2,499.99 |
0.20% |
0.20% |
|||
$2,500 to $9,999.99 |
0.20% |
0.20% |
|||
$10,000 to $24,999.99 |
0.20% |
0.20% |
|||
$25,000+ |
0.25% |
0.25% |
|||
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 dividend rate drops to the rate for the next tier. 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. Additional insurance coverage of $250,000 is provided by EXCESS SHARE INSURANCE for total protection up to $500,000. | |||||
Mortgage Rates
- Mortgage Rates
- 3-22-2019
Program Name |
Rate (as low as)1 |
APR2 |
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|---|---|---|---|---|---|
5/1 ARM |
3.500% |
4.778% |
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7/1 ARM |
3.750% |
4.697% |
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30 Year Fixed (Conforming) |
4.250% |
4.417% |
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20 Year Fixed (Conforming) |
4.125% |
4.355% |
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15 Year Fixed (Conforming) |
3.750% |
4.014% |
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10 Year Fixed (Conforming) |
3.625% |
4.046% |
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For customized rates based on your loan details click here. 1Rates are subject to change without notice and is based upon borrower qualifications and credit review. 2Annual Percentage Rate (APR) is calculated based on a loan amount of $100,000.00. | |||||
Second Mortgages
- Second Mortgages
- 3-01-2019
Second Mortgages |
Loan Amount |
Term1 |
Rate |
APR1 |
|
|---|---|---|---|---|---|
Home Equity LOC |
$10,000 - $250,000 |
180 month term loan. Payment 1.5% of outstanding balance, but not less than $50. |
as low as 5.50% |
5.728% |
|
Interest Only Home Equity LOC |
$10,000 - $250,000 |
120 month term loan. Monthly payment will be all accrued yet unpaid finance charges due. |
as low as 5.50% |
5.825% |
|
Closed End Second Mortgage |
$10,000 - $200,000 |
60 months |
as low as 5.75% |
6.365% |
|
Closed End Second Mortgage |
$20,000 - $200,000 |
120 months |
as low as 5.75% |
5.914% |
|
Closed End Second Mortgage |
$50,000 - $200,000 |
180 months |
as low as 6.00% |
6.047% |
|
1APR=Annual Percentage Rate. All rates advertised are based upon borrowers qualifications. Rates for Home Equity LOC and Interest Only Home Equity LOC are based on prime (index), as published in the Wall Street Journal, plus a margin. Index plus margin equals the Interest Rate. Current prime is 5.50%. 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. Rates for Home Equity LOC and Interest Only Home Equity LOC are 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 5.50%. 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:
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. | |||||
Unsecured
- Unsecured
- 3-01-2019
Unsecured Lines of Credit |
APR1 |
||||
|---|---|---|---|---|---|
$1,000 minimum - $3,000 maximum |
as low as 11.70% |
||||
Unsecured Term Loan |
|||||
12 - 36 months, $1,000 minimum loan amount |
as low as 10.94% |
||||
37 - 48 months, $5,000 minimum loan amount |
as low as 11.44% |
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49 - 60 months, $10,000 minimum loan amount |
as low as 11.94% |
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Apply for your 3Rivers Unsecured LoanApply for your 3Rivers Unsecured Loan 1APR=Annual Percentage Rate. All rates advertised are based upon borrowers qualifications. 2LOC = Line of Credit Payment Example(s):
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Auto & Truck Loans
- Auto & Truck Loans
- 3-01-2019
Model Years |
Term |
Minimum Loan Amount |
Rate |
APR1 |
|
|---|---|---|---|---|---|
2018 & Newer |
12 - 36 months |
$5,000 |
as low as 3.19% |
3.64% |
|
2018 & Newer |
37 - 48 months |
$5,000 |
as low as 3.39% |
3.73% |
|
2018 & Newer |
49 - 60 months |
$5,000 |
as low as 3.59% |
3.87% |
|
2018 & Newer |
61 - 72 months |
$10,000 |
as low as 3.89% |
4.01% |
|
2018 & Newer |
73 - 84 months |
$15,000 |
as low as 4.39% |
4.46% |
|
2015-2017 |
12 - 36 months |
$5,000 |
as low as 3.69% |
4.14% |
|
2015-2017 |
37 - 48 months |
$5,000 |
as low as 3.89% |
4.23% |
|
2015-2017 |
49 - 60 months |
$5,000 |
as low as 4.09% |
4.37% |
|
2015-2017 |
61 - 72 months |
$10,000 |
as low as 4.39% |
4.51% |
|
2012-2014 |
12 - 36 months |
$5,000 |
as low as 4.49% |
4.94% |
|
2012-2014 |
37 - 48 months |
$5,000 |
as low as 4.69% |
5.03% |
|
2012-2014 |
49 - 60 months |
$5,000 |
as low as 4.89% |
5.17% |
|
2009-2011 |
12 - 48 months |
$5,000 |
as low as 5.69% |
6.04% |
|
2008 & Older |
12 - 48 months |
$5,000 |
as low as 7.99% |
8.34% |
|
Apply for a 3Rivers Auto & Truck LoanApply for a 3Rivers Auto & Truck Loan 1APR=Annual Percentage Rate. All rates advertised are based upon borrowers qualifications and loan amount. Get up to $500 cash back and make no payments for 45 days. Click here for details. APR Calculations above have been based on a loan amount of $10,000 for the maximum term listed and account for a VSI Fee of $34. Your APR will vary depending on your loan amount, interest rate & loan term. 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 First Time Auto Buyers & No (FICO) Score Applicants: 60m max term. For Auto, Truck, Motorcycle, ATV, Personal Watercraft & Snowmobiles, where model year is older than 2004: Unsecured Loan Rates apply. | |||||
Motorcycle, ATV, Personal Watercraft, Snowmobile, Trailer
- Motorcycle, ATV, Personal Watercraft, Snowmobile, Trailer
- 3-01-2019
Model Year |
Term |
Minimum Loan Amount |
Rate |
APR1 |
|
|---|---|---|---|---|---|
2018 & Newer |
12 - 36 months |
$5,000 |
as low as 3.64% |
4.09% |
|
2018 & Newer |
37 - 48 months |
$5,000 |
as low as 3.84% |
4.18% |
|
2018 & Newer |
49 - 60 months |
$5,000 |
as low as 4.04% |
4.32% |
|
2018 & Newer |
61 - 72 months |
$10,000 |
as low as 4.34% |
4.46% |
|
2015-2017 |
12 - 36 months |
$5,000 |
as low as 4.24% |
4.69% |
|
2015-2017 |
37 - 48 months |
$5,000 |
as low as 4.44% |
4.78% |
|
2015-2017 |
49 - 60 months |
$5,000 |
as low as 4.64% |
4.92% |
|
2012-2014 |
12 - 36 months |
$5,000 |
as low as 5.24% |
5.69% |
|
2012-2014 |
37 - 48 months |
$5,000 |
as low as 5.44% |
5.79% |
|
2012-2014 |
49 - 60 months |
$5,000 |
as low as 5.64% |
5.92% |
|
2009-2011 |
12 - 48 months |
$5,000 |
as low as 6.44% |
6.79% |
|
2008 & Older |
12 - 48 months |
$5,000 |
as low as 8.74% |
9.09% |
|
Apply for a 3Rivers Motorcycle, ATV & Watercraft LoanApply for a 3Rivers Motorcycle, ATV & Watercraft Loan Payment Example(s):
Annual Percentage Rate (APR) Calculations above have been based on a loan amount of $10,000 for the maximum term listed and account for a VSI Fee of $39. Your APR will vary depending on your loan amount, interest rate & loan term. For First Time Auto Buyers & No (FICO) Score Applicants: 60m max term. For Auto, Truck, Motorcycle, ATV, Personal Watercraft & Snowmobiles, where model year is older than 2004: Unsecured Loan Rates apply. | |||||
Camper / RV
- Camper / RV
- 3-01-2019
Model Year |
Term |
Minimum Loan Amount |
Rate |
APR1 |
|
|---|---|---|---|---|---|
2018 & Newer* |
12 - 60 months |
$5,000 |
as low as 3.54% |
3.82% |
|
2018 & Newer* |
61 - 72 months |
$10,000 |
as low as 4.04% |
4.16% |
|
2018 & Newer* |
73 - 96 months |
$15,000 |
as low as 4.54% |
4.60% |
|
2018 & Newer* |
97 - 144 months |
$25,000 |
as low as 5.04% |
5.07% |
|
2018 & Newer* |
145 - 180 months |
$35,000 |
as low as 5.54% |
5.55% |
|
Apply for a 3Rivers Camper/RV LoanApply for a 3Rivers Camper/RV Loan 1APR=Annual Percentage Rate. * For Camper / RV loans where model year is from 2014 to 2017, add 1% to the listed rates. Where model year is 2010 to 2013, add 2%. If model year is 2009 or older add 3% to the listed rates. Payment Examples
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Student Loans
- Student Loans
- 3-01-2019
Type |
Balance |
Rate |
Term |
||
|---|---|---|---|---|---|
Undergraduate Private Student Loan - Variable |
$1,000 - $60,000 |
as low as 5.74%(1)(2) |
|||
Undergraduate Private Student Loan - Fixed |
$1,000 - $40,000 |
as low as 6.99% |
|||
Graduate Private Student Loan |
$1,000 - $60,000 |
as low as 5.74%(1)(2) |
|||
Student Loan Refinance (Federal & Private) |
$5,000 - $100,0003 |
as low as 4.49%4 |
60 months |
||
Student Loan Refinance (Federal & Private) |
$10,000 - $100,0003 |
as low as 4.99%4 |
120 months |
||
Student Loan Refinance (Federal & Private) |
$15,000 - $100,0003 |
as low as 5.69%4 |
180 months |
||
Apply for a 3Rivers Student LoanApply for a 3Rivers Student 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) The "Index" for the quarter beginning January 1st, 2019, is 5.50%, which was the Prime index published in the Wall Street Journal on the first business day of January 2019. 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 (exclusive credit cards). (4) No Loan Origination Fee and No Early Payoff Penalties; 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. Please see our Student Loan Refi brochure for more information about this loan product or visit the website below. | |||||
Mastercard Platinum Credit Card
- Mastercard Platinum Credit Card
- 3-01-2019
Perk |
Description |
||||
|---|---|---|---|---|---|
Annual Percentage Rate1 |
As low as 13.20% APR 1 |
||||
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 |
||||
Apply for a 3Rivers Platinum MasterCardApply for a 3Rivers Platinum MasterCard 1No annual fee. Annual percentage rate and credit limit based on credit analysis and evaluation. | |||||
GET 1% CASH BACK ON ALL VEHICLE LOANS
No one makes it easier than 3Rivers to shop for, buy, and protect your vehicle. Only at 3Rivers will you get 1% cash back up to $500* with the option of no payments for 45 days on ALL vehicle loans including auto, truck, RV/camper, boat, and/or motorcycle.