Start Your Relationship
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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.
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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.
“I could not have asked for a better experience. From the time I walked through the door I felt like I mattered and that my need was a top priority. We had very little Idea of what we were doing and 3Rivers made everything super easy.”
Mortgage Experience
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
- 5-03-2017
Balance Tier 1 |
Dividend Rate2 |
APY 3 |
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|---|---|---|---|---|---|
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. | |||||
Smart Business Checking
- Smart Business Checking
- 5-03-2017
Balance |
Dividend Rate 1 |
APY 2 |
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|---|---|---|---|---|---|
Up to $2,499.99 |
0.10% |
0.10% |
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$2,500 to $9,999.99 |
0.10% |
0.10% |
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$10,000 to $24,999.99 |
0.10% |
0.10% |
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$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. | |||||
Reward Checking
- Reward Checking
- 5-03-2017
Balance1 |
Dividend Rate2 |
APY3 |
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|---|---|---|---|---|---|
Up to $2,499.99 |
0.10% |
0.10% |
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$2,500 to $9,999.99 |
0.10% |
0.10% |
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$10,000 to $24,999.99 |
0.10% |
0.10% |
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$25,000+ |
0.15% |
0.15% |
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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 imfomration about fees potentailly 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. | |||||
Standard Savings
- Standard Savings
- 5-03-2017
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. | |||||
OMA Money Market
- OMA Money Market
- 5-03-2017
Balance1 |
Dividend Rate2 |
APY3 |
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|---|---|---|---|---|---|
Up to $2,499.99 |
0.20% |
0.20% |
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$2,500 to $9,999.99 |
0.20% |
0.20% |
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$10,000 to $24,999.99 |
0.20% |
0.20% |
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$25,000+ |
0.25% |
0.25% |
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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. | |||||
Individual Retirement Account (IRA)
- Individual Retirement Account (IRA)
- 5-03-2017
Dividend Rate1 |
APY2 |
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|---|---|---|---|---|---|
0.30% |
0.30% |
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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. | |||||
Money Plus Money Market
- Money Plus Money Market
- 5-03-2017
Balance1 |
Dividend Rate2 |
APY3 |
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|---|---|---|---|---|---|
$10,000-$34,999.99 |
0.20% |
0.20% |
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$35,000-$74,999.99 |
0.25% |
0.25% |
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$75,000+ |
0.30% |
0.30% |
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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. | |||||
Health Savings Account (HSA)
- Health Savings Account (HSA)
- 5-03-2017
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. | |||||
Livin’ Free Savings
- Livin’ Free Savings
- 5-03-2017
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 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. | |||||
Certificates
- Certificates
- 5-03-2017
Term |
Minimum Balance to Open |
Dividend Rate1 |
APY2 |
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|---|---|---|---|---|---|
3 Month |
$500 |
0.20% |
0.20% |
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6 Month |
$500 |
0.45% |
0.45% |
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12 Month |
$1000 |
0.65% |
0.65% |
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18 Month |
$1000 |
1.00% |
1.00% |
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24 Month |
$1000 |
1.09% |
1.10% |
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30 Month |
$1000 |
1.14% |
1.15% |
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36 Month |
$1000 |
1.29% |
1.30% |
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48 Month |
$1000 |
1.39% |
1.40% |
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59 Month3 |
$1000 |
1.64% |
1.65% |
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60 Month |
$1000 |
1.69% |
1.70% |
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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. 3 Term and rate only applies to the Bump Rate Certificate. Please see our Bump Rate Certificate for further information. | |||||
Unsecured
- Unsecured
- 5-03-2017
Unsecured Lines of Credit |
APR1 |
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|---|---|---|---|---|---|
$1,000 minimum - $3,000 maximum as low as |
11.50% |
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Unsecured Term Loan ($1,000 minimum, $20,000 maximum) |
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12 - 72 months new money as low as... |
9.95% |
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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
- 5-03-2017
Model Year |
Term |
Rate |
APR1 |
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|---|---|---|---|---|---|
2014 & Newer |
12 - 72 Months |
as low as 2.49% |
2.62% |
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2014 & Newer |
73 - 84 Months |
as low as 2.99% |
3.10% |
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2011-2013 |
12 - 72 Months |
as low as 2.99% |
3.12% |
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2011-2013 |
73 - 84 Months |
as low as 3.49% |
3.60% |
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2010 & Older |
12 - 60 Months |
as low as 4.99% |
5.15% |
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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. Classic Cars (25 model years & older): Add 1% to 2010 and Older pricing bands. 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. | |||||
Motorcycle, ATV, Personal Watercraft, Snowmobile
- Motorcycle, ATV, Personal Watercraft, Snowmobile
- 5-03-2017
Model Year |
Term |
Rate |
APR1 |
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|---|---|---|---|---|---|
2014 & Newer |
12 - 72 months |
as low as 3.99% |
4.12% |
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2014 & Newer |
73 - 84 months |
as low as 4.99% |
5.11% |
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2011-2013 |
12 - 60 months |
as low as 4.99% |
5.15% |
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2007-2010 |
12 - 60 months |
as low as 6.49% |
6.65% |
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2006 & Older |
12 - 48 months |
as low as 8.95% |
9.15% |
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Payment Example(s):
Term guidelines for VL (Vehicle Loan) Applications: 61-72 months minimum loan amount $10K. 73-84 months minimum loan amount $15K. 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. | |||||
Camper / RV
- Camper / RV
- 5-03-2017
Model Year |
Term |
Rate |
APR1 |
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|---|---|---|---|---|---|
2014 & Newer* |
12 - 84 Months |
as low as 3.99% |
4.11% |
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2014 & Newer* |
85 - 144 Months |
as low as 4.49% |
4.56% |
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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
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Second Mortgages
- Second Mortgages
- 5-03-2017
Second Mortgages |
Loan Amount |
Term1 |
Rate |
APR1 |
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|---|---|---|---|---|---|
Home Equity LOC |
$10,000 - $100,000 |
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 4.00% |
4.023% |
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Interest Only Home Equity LOC |
$10,000 - $250,000 |
120 month term loan. Monthly payment will be all accrued yet unpaid Finance Charges due. $149 fee for Interest Only Home Equity LOC - fee reduced to $99 if current 1st Mortgage is with 3Rivers |
as low as 4.00% |
4.013% |
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Closed End Second Mortgage |
$10,000 - $100,000 |
Up to 120 months |
as low as 5.49% |
5.815% |
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Closed End Second Mortgage |
$35,000 - $100,000 |
121 to 180 months |
as low as 5.74% |
5.806% |
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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 4.00%. 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 4.00%. 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:
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. | |||||
Mastercard Platinum Credit Card
- Mastercard Platinum Credit Card
- 5-03-2017
Perk |
Description |
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|---|---|---|---|---|---|
Annual Percentage Rate1 |
As low as 11.70% APR 1 |
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Minimum Finance Charge |
NONE |
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Annual Fee |
NONE |
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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. |
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Cash Advances |
3% |
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Balance Transfer Fee |
NONE |
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Over Limit Fee |
NONE |
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Late Payment Fee |
$25.00 if payment is more than 10 days late |
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Method of Computing Balance |
Average daily balance including new transactions |
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1Annual Percentage Rate based on credit worthiness at the time you open the account. | |||||
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 90 days on ALL vehicle loans including auto, truck, RV/camper, boat, and/or motorcycle.