Start Your Relationship

  • APPLY FOR A LOAN, CREDIT CARD, OR MORTGAGE

    A 3Rivers loan helps take the stress out of keeping up with life. And, whether buying a starter home, a dream house, or just looking for lower mortgage payments, we have programs to fit your needs.

    Loans

     

    First Mortgages

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  • Design Your Money Matters

    Design the solution that best fits your personal money matters. We've developed a tool to help. Just answer a few simple questions to compare, build and deliver customized material.

    Start designing your custom solution. Select a product type of most interest to begin.

    Build Your Checking Solution 

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  • OPEN A NEW ACCOUNT

    Are you ready to join the 3Rivers family? We’re excited for you to join us. The greatest bonds we have are the ones we share within our community. From credit cards to savings accounts, your relationship starts here.

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  • HOW TO FUND COLLEGE

    3Rivers understands the cost of college can be expensive and stressful, which is why our advisors are here to help put college funding stress to rest.

    So how do you determine your cost of attendance, lower the cost, and fund college?

    Learn How to Fund College Today!

    HOW TO FUND COLLEGE Image

“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.

Rate Image

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  • Reward Checking
  • 9-01-2017

Balance1

Dividend Rate2

APY3

Up to $2,499.99

0.10%

0.10%

$2,500 to $9,999.99

0.10%

0.10%

$10,000 to $24,999.99

0.10%

0.10%

$25,000+

0.15%

0.15%

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. 

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  • Smart Business Checking
  • 9-01-2017

Balance

Dividend Rate 1

APY 2

Up to $2,499.99

0.10%

0.10%

$2,500 to $9,999.99

0.10%

0.10%

$10,000 to $24,999.99

0.10%

0.10%

$25,000+

0.15%

0.15%

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. 

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  • Rhythm Checking
  • 9-01-2017

Balance Tier 1

Dividend Rate2

APY 3

Portion up to $10,000.99 5

1.50%

1.51%

Portion over $10,001 6

0.15%

0.15%

Base rate (paid on entire portion if requirements are not met) 7

0.01%

0.01%

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.

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  • Livin’ Free Savings
  • 9-01-2017

Balance1

Dividend Rate2

APY3

Portion up to $5004

5.00%

5.12%

Portion over $500.015

0.10%

0.10%

Available to members age 15 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.

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  • Standard Savings
  • 9-01-2017

Dividend Rate 1

APY 2

0.10%

0.10%

$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. 

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  • Health Savings Account (HSA)
  • 9-01-2017

Balance1

Dividend Rate2

APY3

Up to $24,999.99

0.10%

0.10%

$25,000+

0.15%

0.15%

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.

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  • Certificates / IRA Certificates
  • 9-01-2017

Term

Minimum Balance to Open

Dividend Rate1

APY2

3 Month

$500

0.20%

0.20%

6 Month

$500

0.45%

0.45%

12 Month

$1000

0.65%

0.65%

18 Month

$1000

1.00%

1.00%

24 Month

$1000

1.09%

1.10%

30 Month

$1000

1.14%

1.15%

36 Month

$1000

1.29%

1.30%

48 Month

$1000

1.39%

1.40%

59 Month3

$1000

1.64%

1.65%

60 Month

$1000

1.69%

1.70%

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.

3 Term and rate only applies to the Bump Rate Certificate. Please see our Bump Rate Certificate for further information. 

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  • OMA Money Market
  • 9-01-2017

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.

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  • Money Plus Money Market
  • 9-01-2017

Balance1

Dividend Rate2

APY3

$10,000-$34,999.99

0.20%

0.20%

$35,000-$74,999.99

0.25%

0.25%

$75,000+

0.30%

0.30%

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. 

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  • Individual Retirement Account (IRA)
  • 9-01-2017

Dividend Rate1

APY2

0.30%

0.30%

* $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.

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  • Mortgage Rates
  • 9-19-2017

Program Name

Rate (as low as)1

APR2

5/1 ARM

3.250%

3.911%

7/1 ARM

3.500%

3.940%

30 Year Fixed (Conforming)

4.000%

4.165%

20 Year Fixed (Conforming)

3.625%

3.850%

15 Year Fixed (Conforming)

3.250%

3.537%

10 Year Fixed (Conforming)

3.125%

3.542%

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.

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  • Motorcycle, ATV, Personal Watercraft, Snowmobile
  • 9-01-2017

Model Year

Term

Rate

APR1

2014 & Newer

12 - 36 months

as low as 3.19%

3.45%

2014 & Newer

37 - 60 months

as low as 3.49%

3.65%

2014 & Newer

61 - 72 months

as low as 3.99%

4.12%

2011-2014

12 - 36 months

as low as 3.69%

3.95%

2011-2014

37 - 60 months

as low as 3.99%

4.15%

2007-2010

12 - 36 months

as low as 4.69%

4.95%

2007-2010

37 - 60 months

as low as 4.99%

5.15%

2004-2006

12 - 48 months

as low as 6.49%

6.69%

Payment Example(s):

  • Boat – 60 mos @ 4.99% your payment will be roughly $18.87 monthly per $1,000 borrowed
  • Motorcycle – 60 mos @ 3.99% your payment will be roughly $18.41 monthly per $1,000 borrowed
  • Please use our Loan Payment Calculator for additional scenarios relevant to your unique needs.

Term guidelines for VL (Vehicle Loan) Applications:  61-72 months minimum loan amount $10K. 73-84 months minimum loan amount $15K. 

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.

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  • Camper / RV
  • 9-01-2017

Model Year

Term

Rate

APR1

2015 & Newer*

12 - 72 Months

as low as 4.99%

5.13%

2015 & Newer*

73-96 Months

as low as 5.49%

5.59%

2015 & Newer*

97-144 Months

as low as 5.99%

6.06%

1APR=Annual Percentage Rate.

* For Camper / RV loans where model year is from 2010 to 2012 add 1% to the listed rates. For Camper / RV loans where model year is 2009 or older add 2% to the listed rates.

Payment Examples

  • Camper – 60 mos @ 3.99% your payment will be roughly $18.41 monthly per $1,000 borrowed

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


Term guidelines: 61-72 months minimum loan amount $10K. 73-84 months minimum loan amount $15K. 85-144 months minimum loan amount $20K.

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  • Student Loans
  • 9-01-2017

Type

Balance

Rate

Term

Undergraduate Private Student Loan

$1,000 - $75,000

as low as 5.49%(1)(2)

Graduate Private Student Loan

$1,000 - $75,000

as low as 5.49(1)(2)

Student Loan Refinance (Federal & Private)

$5,000 - $100,0003

as low as 3.49%4

60 Months

Student Loan Refinance (Federal & Private)

$5,000 - $100,0003

as low as 3.99%4

120 Months

Student Loan Refinance (Federal & Private)

$5,000 - $100,0003

as low as 4.79%4

180 Months

(1) Your interest rate is variable and will change based on changes in an index chosen by Three Rivers Federal Credit Union. The index is Prime, as published in The Wall Street Journal (“Index”). If the Index becomes unavailable during the term of this account, the credit union may substitute a new index after notice to you. The interest rate will be adjusted quarterly, based on a historical index chosen by the credit union. This quarterly adjustment will occur upon no less than forty-five (45) days written notice to you. To determine the APR, add your margin rate to the Index (as provided in your notice), and round the result up to the nearest one eighth percent (0.125%). Any increase in the index rate will increase the APR and the amount of your monthly payment.


(2) The Prime rate used will be 4.25%. The margin ranges between 1.24% and 5.99% depending on the borrower/co-borrower's credit score at the time of application. This margin is added to the index rate to determine the interest rate. There is a 'floor' rate for the loan; meaning that your interest rate will never fall below the stated floor rate as disclosed upon approval. The 'floor' rate Annual Percentage Rate (APR) for the loan is currently 4.99%.
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 https://www.3riversfcu.org/students/refinance-your-student-loan/.

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  • Unsecured
  • 9-01-2017

Unsecured Lines of Credit

APR1

$1,000 minimum - $3,000 maximum as low as

11.70%

Unsecured Term Loan ($1,000 minimum, $20,000 maximum)

12 - 36 months new money as low as...

9.99%

37 - 60 months new money as low as...

10.49%

61 - 72 months new money as low as...

10.99%

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

2LOC = Line of Credit

Payment Example(s):

  • Term – 60 mos @ 9.95% your payment will be roughly $21.22 monthly per $1,000 borrowed
  • Please use our Loan Payment Calculator for additional scenarios relevant to your unique needs.

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  • Second Mortgages
  • 9-01-2017

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. $149 fee for Home Equity LOC - fee reduced to $99 if current 1st mortgage with 3Rivers.

as low as 4.25%

4.471%

Interest Only Home Equity LOC

$10,000 - $250,000

120 month term loan. Monthly payment will be all accrued yet unpaid Finance Charges due. Fee is 1% of the Loan Amount when used as a 'Bridge Loan'. $149 fee for Non-Bridge Loans; fee reduced to $99 if current 1st Mortgage is with 3Rivers

as low as 4.25%

4.568%

Closed End Second Mortgage

$10,000 - $250,000

Up to 84 months

as low as 5.99%

6.442%

Closed End Second Mortgage

$10,000 - $250,000

85 to120 months

as low as 6.24%

6.570%

Closed End Second Mortgage

$35,000 - $250,000

121 to 180 months

as low as 6.49%

6.725%

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 on the last day of the month, plus a margin.  Index plus margin equals the Interest Rate.  Current prime is 4.25%.  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, you can generally 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 4.25%. 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.  $149 fee for Closed End Second Mortgages - fee reduced to $99 and rate reduced by 1% if current 1st Mortgage is with 3Rivers.

Payment Examples: 

  • Closed End Real Estate – 120 mos @ 5.99% your payment will roughly be $11.10 monthly per $1000 borrowed.

The APR has been calculated using the minimum loan amount and the maximum term listed, with a processing fee of $149. Your APR will vary depending on the loan amount, interest rate & loan term.

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  • Auto & Truck Loans
  • 9-01-2017

Model Year

Term

Rate

APR1

2015 & Newer

12 - 36 Months

as low as 2.19%

2.45%

2015 & Newer

37 - 60 Months

as low as 2.49%

2.65%

2015 & Newer

61 - 72 Months

as low as 2.99%

3.12%

2015 & Newer

73 - 84 Months

as low as 3.49%

3.60%

2011-2014

12 - 36 Months 

as low as 2.69%

2.95%

2011-2014

37 - 60 Months

as low as 2.99%

3.15%

2011-2014

61 - 72 Months

as low as 3.49%

3.62%

2007-2010

12 - 36 Months 

as low as 3.69%

3.95%

2007-2010

37 - 60 Months 

as low as 3.99%

4.15%

2004-2006

12 - 48 Months

as low as 5.49%

5.69%

2003 & Older

12-48 Months

as low as 9.99%

10.20%

2003 & Older

12-48 Months

as low as 9.99%

10.20%

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 90 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 $39. Your APR will vary depending on your loan amount, interest rate & loan term.

Term guidelines for VL (Vehicle Loan) Applications:  61-72 months minimum loan amount $10K. 73-84 months minimum loan amount $15K. 

Payment Example:

60 months @ 2.49% your payment will be roughly $18.41 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.

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  • Mastercard Platinum Credit Card
  • 9-01-2017

Perk

Description

Annual Percentage Rate1

As low as 11.95% 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

1Annual Percentage Rate based on credit worthiness at the time you open the account.
 

 

Interest Rates Certified by Datatrac

Get a

Get a "bump" with 3Rivers' new Bump Rate Certificate.

Bump Rate Certificates give you the option of a one-time rate increase during the original term of the certificate. The Bump Rate Certificate also includes an add-on feature which allows for the addition of funds at the time the rate is “bumped.”

Learn More >>