3Rivers Contributors

Aly Hess

Marketing Analyst

Aly Hess portrait

Aly Hess serves as the primary blogger and social media strategist for 3Rivers. Equally passionate about the cooperative foundation on which credit unions are built and the city she calls home, she strives to remain in touch and involved with the local businesses, non-profits, people, and events that make up the communities in which we serve. For five years, she’s been seeking out personal finance articles, tools, and experts in order to help readers make sense of their money matters in a quick, fresh, and easy-to-comprehend manner.

SCAM ALERT: Lapse of Home Warranty Coverage Letters from American Home Protect, LLC.

Posted on Tuesday, June 4, 2019

3Rivers members have reported receiving letters in the mail urging them to call a number about a time-sensitive matter on their mortgage. To their credit, something didn’t seem right.…

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Start Saving for Your Child’s College Education Now with a 529 Plan!

Posted on Monday, June 3, 2019

This post is a part of a series we contribute to 97.3 WMEE's Mom Squad monthly e-newsletter! Learn more.  Read past articles. You might not have college on the brain if your child…

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10 Tips for a Successful Staycation

Posted on Tuesday, April 23, 2019

This post is a part of a series we contribute to 97.3 WMEE's Mom Squad monthly e-newsletter! Learn more.  Read past articles. It's vacation season and there's nothing quite…

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Celebrating Spring: 10 Budget-Friendly Activities the Whole Family Will Love

Posted on Monday, April 1, 2019

This post is a part of a series we contribute to 97.3 WMEE's Mom Squad monthly e-newsletter! Learn more.  Read past articles. After what feels like the longest Midwest winter…

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12 Secretly Healthy & Budget-Friendly Snacks Your Kids Will Love

Posted on Tuesday, February 26, 2019

This post is a part of a series we contribute to 97.3 WMEE's Mom Squad monthly e-newsletter! Learn more.  Read past articles. It's no surprise how much it can cost to keep a…

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9 Ways Allowance Can Teach Your Kids About Financial Literacy

Posted on Wednesday, January 30, 2019

This post is a part of a series we contribute to 97.3 WMEE's Mom Squad monthly e-newsletter! Learn more.  Read past articles. Allowance is a hot topic in the world of parenting.…

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Stay Warm During the Cold Snap: You Can Do Your 3Rivers Banking From Home!

Posted on Tuesday, January 29, 2019

Winter is certainly making its presence known here in the Midwest! This week, experts are warning that we'll experience some of the coldest temperatures we've had in a generation. With…

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20 Budget-Friendly Wintertime Boredom Busters for Families

Posted on Wednesday, January 2, 2019

This post is a part of a series we contribute to 97.3 WMEE's Mom Squad monthly e-newsletter! Learn more.  Read past articles. A few too many snow days? A long streak of grey winter…

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A Year of Giving: A Look Back at Our Community Support in 2018

Posted on Monday, December 10, 2018

As 2018 winds down, we’re grateful to be able to look back on an incredibly fulfilling year, especially as it relates to the amazing things happening in our community, and our…

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10 Ways to Give Back on a Budget This Holiday Season

Posted on Tuesday, December 4, 2018

This post is a part of a series we contribute to 97.3 WMEE's Mom Squad monthly e-newsletter! Learn more.  Read past articles. Frequently, when we think of giving to charity or…

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SCAM ALERT: Fraudulent Phone Calls & Text Messages in the Area!

Posted on Monday, November 19, 2018

3Rivers has recently been made aware of fraudulent phone calls and text messages happening in our area. What's Happening? Some members have reported that they've received…

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Tips + Tricks to Help You Save Hundreds of Dollars This Holiday Season

Posted on Friday, November 2, 2018

This post is a part of a series we contribute to 97.3 WMEE's Mom Squad monthly e-newsletter! Learn more.  Read past articles. November is here, and the holiday rush is right around…

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10 Thrifty Ways to Save Money on Halloween

Posted on Friday, September 28, 2018

This post is a part of a series we contribute to 97.3 WMEE's Mom Squad monthly e-newsletter! Learn more.  Read past articles. Last year, Americans spent $9.1 billion dollars on…

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We’re Opening a New Branch at Stellhorn Crossing!

Posted on Wednesday, September 12, 2018

We’re excited to announce that we’re planning to build a new branch and mortgage center in the Stellhorn Crossing development on the northeast side of Fort Wayne! This new,…

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Card Cracking: Don’t Fall for This Trending Social Media Scam

Posted on Tuesday, September 11, 2018

One of the cardinal rules of protecting yourself from financial fraud is to never, ever give out your financial account information (or any personal information) to strangers.…

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25 Budget-Friendly Activities to Add to Your Family’s Fall Bucket List

Posted on Tuesday, September 4, 2018

This post is a part of a series we contribute to 97.3 WMEE's Mom Squad monthly e-newsletter! Learn more.  Read past articles. Fall is right around the corner, and this time of year…

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5 Smart Ways to Save Money for Your Kids

Posted on Monday, July 2, 2018

This post is a part of a series we contribute to 97.3 WMEE's Mom Squad monthly e-newsletter! Learn more.  Read past articles. Your child's high school graduation and foray into…

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Our Technology Puts 3Rivers in the Palm of Your Hand

Posted on Wednesday, June 13, 2018

Our lives are full of people, places, and pastimes that give them meaning and inspire us to build a better future. Whether it’s time spent at the lake, at the studio, or around the…

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FREE Community Shred Day on April 25, 2018!

Posted on Friday, March 30, 2018

3Rivers is excited to announce that we're teaming up with Federal Records Management & Shredding to host a FREE Shred Day, open to the public, from 11:00 AM to…

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Tips for Finding (and Winning) College Scholarships

Posted on Wednesday, March 21, 2018

Whether you're a high school senior on the hunt for the perfect university, a college junior working towared that last stretch before obtaining your Bachelors, or have just been…

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How-Tuesday: How to Write a Winning Scholarship Essay

Posted on Tuesday, March 13, 2018

It's that time of year again! Students across the nation are applying for school... and applying for scholarships and grants to pay for school. One of the easiest scholarship applications…

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Discover the Credit Union Difference

Posted on Monday, March 12, 2018

Whoever said banking needed bankers? What if, instead of shareholders, profits were shared equally with the people actually doing the banking? What if, instead of just making the rich richer,…

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Pay Your Bills Using Our 3Rivers Mobile Banking App with Bill Capture!

Posted on Wednesday, March 7, 2018

We’re excited to announce that Bill Capture is now available in our 3Rivers Mobile Banking app! If you’ve used Picture Pay™ in the past, or currently use it to pay bills,…

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Receive Text Alerts Notifying You of Any Suspicious Account Activity

Posted on Wednesday, February 28, 2018

3Rivers is implementing fraud text alerts that will help us communicate with you when we see questionable purchases made on your debit card. Currently we communicate this information to you…

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Monitor Your Credit With Credit Sense

Posted on Wednesday, February 21, 2018

We're excited to announce a new financial wellness resource we think you'll love. Credit Sense, powered by SavvyMoney®, is a tool that provides you with ongoing access to your…

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3Rivers’ 2018 Holiday Observances, Hours + Closings

Posted on Wednesday, December 20, 2017

Looking for information about our branch hours and holiday observances? You're in the right place! Normal Branch Hours The following hours apply to all of our branches. You can find…

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Help Us Save Lives: RSVP to Our Blood Drive on January 5

Posted on Thursday, November 30, 2017

Did you know that a one-time blood donation can save up to three lives? Join us on Friday, January 5, 2018, as we partner with the American Red Cross to host a blood…

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Holiday Shopping Made Easy with 3Rivers

Posted on Monday, November 6, 2017

The holidays are right around the corner, and we're sure many of you have made your lists and checked them twice! While holiday shopping can certainly be fun, it also has the…

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What You Should Know About EnFact, Our Fraud Monitoring System

Posted on Friday, November 3, 2017

At 3Rivers, we use a combination of security features to help protect your accounts against various types of fraud, from local scams to nationwide data breaches and more. It's crucial…

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Protecting Your Finances This Holiday Season

Posted on Friday, November 3, 2017

With the holidays quickly approaching, you'll likely be swiping your card and making more online transactions than normal. With more financial activity than usual happening around the…

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Being Kind Doesn’t Have to Break the Bank: Ideas for Paying it Forward on a Budget

Posted on Thursday, November 2, 2017

When we hear about "pay it forward" stories, they often involve spending money. Like paying for the person behind you in line at the coffee shop, or treating the office to morning donuts…

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Give Hope. Give Support. Give Love. Let’s Give Back, Together.

Posted on Wednesday, November 1, 2017

There are so many organizations in our community, dedicated to making a positive difference in thousands of lives every single day. In this season of giving, we want to help them in their…

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Francine’s Friends Mobile Mammography at 3Rivers in November

Posted on Tuesday, October 31, 2017

Francine's Friends Mobile Mammography will be stationed at two of our 3Rivers branches during the month of November to offer quick, easy, and convenient mammograms. This service…

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Same-Day ACH Payments Mean Your Money is Moving Faster: Here’s What You Need to Know

Posted on Friday, September 15, 2017

Currently, most ACH payments (electronic payments created when you give an originating institution, corporation, or other merchant authorization to withdraw funds directly…

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Amplify Art: Turning Up the Volume on Art Projects You Want to See in Northeast Indiana

Posted on Monday, August 7, 2017

We're excited to partner up with Arts United for their October 2017 and May 2018 cycles of Amplify Art! This is a crowdfunding platform designed to turn up the volume on art projects you…

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10 Budget-Friendly Family Activities to Soak Up the Last of Summer

Posted on Friday, August 4, 2017

Students and teachers all across the region are heading back to school this month, but that doesn't mean summer is over entirely! There are still a few weeks left in this sweet season, and…

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Which Checking Account is Right for You? Explore Our Options!

Posted on Thursday, August 3, 2017

Our lives go through various stages and seasons, and 3Rivers recognizes that a checking account perfect for one member may not be the best option for another. That's why we have several…

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We’re Building a New Branch in Kendallville!

Posted on Tuesday, August 1, 2017

We're excited to announce that we're building a brand new branch in Kendallville! The new 2,800-square-foot freestanding building will be located at 551 West North Street,…

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“Social Security Planning for Boomers: What Everyone Needs to Know” - A FREE Educational Workshop

Posted on Monday, April 24, 2017

3Rivers Credit Union has partnered with Members Trust to conduct two FREE educational workshops, “Social Security Planning for Boomers: What Everyone Needs to Know.” The…

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How-Tuesday: How to Write a Winning Scholarship Essay

Posted on Tuesday, April 18, 2017

It's that time of year again! Students across the nation are applying for school and applying for scholarships and grants to pay for school. One of the easiest scholarship applications…

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Now Accepting Applications for Our 2017 Scholarship Contest!

Posted on Wednesday, March 22, 2017

We're excited to announce that we are now accepting applications for our 2017 Scholarship Contest! The deadline to apply is Thursday, April 27 at 12 PM EST and the application is…

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3Rivers Now Offers Text Messaging!

Posted on Thursday, March 2, 2017

At 3Rivers, we're always looking for the best ways to communicate important information and alerts to you, our valued members, about your money matters. We now have the ability to send you…

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Credit Unions vs. Banks: Understanding The Credit Union Difference

Posted on Tuesday, February 28, 2017

So, credit unions are essentially just smaller banks, right? Wrong. While credit unions offer all of the products and services you’d expect from a financial institution and are…

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Arby’s Confirms Data Breach

Posted on Wednesday, February 15, 2017

Last week, fast food chain, Arby's, confirmed a "breach involving malicious software installed on payment card systems at hundreds of its restaurant locations nationwide." At this…

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How to Celebrate Valentine’s Day on a Budget

Posted on Friday, February 3, 2017

Valentine's Day may be one of the sweetest holidays of the year, but the cost of it can leave a pretty bitter taste behind. Celebrating your love doesn't have to break the bank,…

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3Rivers’ 2017 Holiday Observances, Hours + Closings

Posted on Wednesday, December 28, 2016

Looking for information about our branch hours and holiday observances? You're in the right place! 3Rivers' Branch Hours The following hours apply to our standalone branches:…

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Mobile Wallets at 3Rivers

Posted on Wednesday, November 2, 2016

We're excited to announce that 3Rivers now supports mobile wallet services, including Apple Pay, Google Pay (formerly Android Pay), and Samsung Pay! It’s not always convenient to…

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5 Things to Know About Equity in the Home

Posted on Tuesday, October 25, 2016

Thinking about taking out a home equity loan? Here are five things you should know before moving forward. There are Two Types of Home Equity Loans It’s important to consider your…

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You’re Invited: FREE Shred Day on Friday, October 7!

Posted on Monday, October 3, 2016

3Rivers is excited to announce that we're teaming up with Federal Records Management & Shredding to host a FREE Shred Day, open to the public, from 11:00 AM to 2:00 PM…

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5 Instances When It May Be Wise to Refinance Your Auto Loan

Posted on Monday, October 3, 2016

While it may take some time and effort to refinance your mortgage or consolidate your debt, refinancing an auto loan is typically a quick and painless process - and, though it may not be…

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25 Totally Free + Affordable Fall Must-Dos

Posted on Tuesday, September 20, 2016

We've had so much fun sharing some tips for saving money when it comes to crossing to-dos off of your Fall Bucket List! Need some inspiration to create your own? Here are 25…

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How-Tuesday: How to Use Our SWITCHkit Tool

Posted on Tuesday, September 6, 2016

3Rivers makes it easy to securely move your direct deposits and recurring automatic payments (like utilities, insurance, or club memberships) to your 3Rivers account(s). Just use our…

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10 Ways to Prepare Your Home for Fall + Winter

Posted on Friday, September 2, 2016

It's September. Wait. What? It's SEPTEMBER. That means cooler weather is right around the corner, the heat is just itching to be turned on in the next couple of…

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Thrifty Thursday: Best Items to Buy During Labor Day Sales

Posted on Thursday, September 1, 2016

Excited about the upcoming Labor Day sales this weekend? While it may seem like everything is a great deal, we've done some research to find out which items you'll actually save…

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Watch-it-Wednesday: What is a Dividend?

Posted on Wednesday, August 31, 2016

"A [dividend is a] distribution of a portion of a company's earnings, decided by the board of directors, to a class of its shareholders. The dividend is most often quoted in terms of the…

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7 Ways to Save $1,000 By the End of the Year (Starting in September)

Posted on Monday, August 29, 2016

It's hard to believe, but we're nearing September already! That means the holidays are just around the corner, and a brand new year, too. Want to kick 2017 off on the right foot…

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10 Delicious End-of-Summer Meals for Less Than $5 Per Serving

Posted on Friday, August 26, 2016

Summer is winding down and we're approaching the best time of year for long evenings spent gathered around the picnic table enjoying good food, laughs, and that end-of-summer breeze.…

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Thrifty Thursday: 250+ Dollar Store Craft Ideas

Posted on Thursday, August 25, 2016

We're living in the age of Pinterest and DIY, which means we should be saving money when it comes to making our own decor, crafts, clothing, holiday gifts, and more. But are you…

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Watch-it-Wednesday: Check Out Our Financial Literacy Video Library!

Posted on Wednesday, August 24, 2016

We know that you don't always have time to research and read lengthy articles about basic personal finance. That's why we've condensed a few very important financial topics down…

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How-Tuesday: How to Create Strong + Secure Passwords Online

Posted on Tuesday, August 23, 2016

Today, more than ever before, it's crucial that we take the time to create strong and secure passwords to ensure our online accounts are better protected from online hackers and security…

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Money Talk: 10 Great Quotes About Personal Finance

Posted on Monday, August 22, 2016

Have you ever heard a piece of financial advice that's stuck with you, or that you've actually put into practice? Here are ten of our favorite quotes about money management! "Beware…

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10 Ways to Preserve Summer Produce (and Save Money!)

Posted on Friday, August 19, 2016

You've dedicated a great deal of time and energy this summer growing your garden, and suddenly, you're harvesting baskets full of produce quicker than you can possibly put it to use.…

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Thrifty Thursday: 10 Ways to Transform Your Kitchen for Under $100

Posted on Thursday, August 18, 2016

It's long been said that the kitchen is the heart of the home. Whether you've just moved into a brand new house or are celebrating 30 years in your home, whether you have a large…

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Watch-it-Wednesday: North American Free Trade Agreement (NAFTA) Explained

Posted on Wednesday, August 17, 2016

If you've been following this year's campaign trail, then you've likely heard NAFTA brought up in various discussions. Struggling to recall what you learned in your US and World…

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10 Alternatives to the 52-Week Money Challenge

Posted on Monday, August 15, 2016

Chances are, you've seen the 52-Week Money Challenge shared through your social feeds or on your favorite personal finance websites over the past few years. While the concept is great -…

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How Our Shared (Surcharge-Free) ATM Network Works

Posted on Monday, August 8, 2016

If you're a 3Rivers member and find yourself in a location far away from your nearest 3Rivers branch, you might dread the thought of pulling money from another financial institution's…

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We’re Coming to East State Village!

Posted on Wednesday, July 27, 2016

3Rivers is excited to announce that we're coming to the '05! 3Rivers will begin construction on our new, full-service branch building located in the revitalized East…

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5 Ways to Use Credit Cards Wisely

Posted on Thursday, June 30, 2016

Credit cards are a hot topic when it comes to personal finance. While some people advise not getting a credit card because of how quick and easy it is to rack up debt, there are also…

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RSVP to Our Upcoming Blood Drive on July 20, 2016

Posted on Monday, June 20, 2016

Did you know that a one-time blood donation can save up to three lives? Join us on Wednesday, July 20, as we partner with the American Red Cross to host a blood…

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5 Steps to Take Before You Apply for an Auto Loan

Posted on Wednesday, June 1, 2016

Whether you’re planning to buy a new car, an old car, a third car, or your very first car, there are a few steps you’ll want to take before visiting the dealership. Review…

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People Helping People: A Recap of 3Rivers in the Community, April 2016

Posted on Monday, May 2, 2016

April was a busy month here at 3Rivers - and not just in our branches! We strive to better the lives of our members and our community not only during work hours or inside of our branches'…

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Personal Finance 101: Preventing Identity Theft + Fraud

Posted on Friday, April 29, 2016

In some cases, for someone who intends to use your information to better their situation, having access to your name and address are enough to cause damage. But toss in your social security…

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Traveling for Spring Break? Protect Your Finances!

Posted on Thursday, March 31, 2016

It's time for Spring Break! If you've got plans to travel over the next few weeks, we hope that the preparation and the journey go as smoothly as possible. One pro tip to ensure…

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Watch-it-Wednesday: Medicare vs. Medicaid

Posted on Wednesday, March 30, 2016

Medicare and Medicaid, both public care health programs funded by taxpayers, and both created by the US government in 1965, certainly have some similarities - and that can easily lead to some…

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More Merchants Requiring PIN for Purchases Made with EMV Cards

Posted on Tuesday, March 15, 2016

As the transition to EMV chipped cards continues, you may have noticed more merchants than usual asking you to enter your PIN for purchases after inserting your card. Merchants…

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How-Tuesday: How to Write a Winning Scholarship Essay

Posted on Tuesday, March 15, 2016

It's that time of year again! Students across the nation are applying for school and applying for scholarships and grants to pay for school! One of the easiest scholarship applications…

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Personal Finance 101: Credit Scores

Posted on Wednesday, March 9, 2016

Your credit score plays many important roles in your finances. Working to build a good, strong score can help to support any budgets you have in place, get you approved for new lines of…

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We’re Giving Away $12,000 in Scholarships!

Posted on Friday, February 19, 2016

We're thrilled to announce that we're kicking off our 2016 3Rivers Scholarship Contest today!  Students can enter to win up to $1,000 to help pay for the cost of…

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Beware of IRS Phone Scams

Posted on Friday, February 5, 2016

Many people in the area, including 3Rivers members and employees, have been receiving suspicious phone calls over the last several days from scammers claiming to be from the IRS. In most…

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Personal Finance 101: Budgeting Basics

Posted on Thursday, February 4, 2016

A detailed budget can help us achieve our financial goals and develop a plan on how to get there. 3Rivers Lending Administrator, Chris Mulkey, further explains the six basic steps…

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5 Helpful Resources for Filing Your Taxes

Posted on Friday, January 22, 2016

Updated November 2016. It's almost tax time again! The deadline to file your taxes is Tuesday, April 18, 2017. We've rounded up some trusted resources that will help you to make…

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Dear 3Rivers: What Information Do I Need to Open an Account?

Posted on Friday, January 15, 2016

Dear 3Rivers, I'll be stopping into a branch in the next week to open a new account. What documentation will I need to have with me in order to verify my identity? -New Member Dear…

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3Rivers Awarded for Workplace Excellence

Posted on Friday, January 8, 2016

3Rivers is excited to announce that we have won our fourth Peter Barron Stark Companies Award for Workplace Excellence! This award recognizes top-tier organizations committed to…

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You’re Invited: FAFSA Friday Open House on January 8, 2016

Posted on Thursday, December 17, 2015

We're excited to announce that we will be hosting three FREE seminars, open to the public, at our Northland campus to help students and parents file the FAFSA. Our first open house will…

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More Merchants Requiring PIN for Purchases Made with EMV Cards

Posted on Tuesday, December 1, 2015

As a result of upcoming nationwide changes to EMV debit cards and the start of the busy holiday shopping season, more merchants than usual may be asking you to enter your PIN for purchases…

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Tips + Tricks to Help You Save Hundreds of Dollars This Holiday Season

Posted on Wednesday, November 18, 2015

Thanksgiving is next week. Next week. From there, it's complete chaos. The holiday rush. The songs, the shopping, the sweets... the stress. And to top it all off, Americans…

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Watch-it-Wednesday: Introduction to Mutual Funds

Posted on Wednesday, October 21, 2015

Whether you're brand new to the world of investing or you've been involved in it for some time, there are many terms, phrases, and concepts that can be confusing or difficult to…

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Happy International Credit Union Day!

Posted on Thursday, October 15, 2015

Wow, another year has just flown on by! It seems like just yesterday we were sharing our thoughts about International Credit Union Day 2014. So much has happened in the last twelve months, we…

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#CollegeBound: You’re Invited to Our FREE College Seminar on November 17!

Posted on Wednesday, October 7, 2015

College on the brain? Whether you're a high school student, a college junior, or a parent with a son or daughter heading to school soon, you're invited to our FREE seminar on Tuesday,…

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How Do I Use My New EMV Debit Card?

Posted on Monday, October 5, 2015

3Rivers members have received, or will soon be receiving, new debit cards featuring EMV chip technology. These new, more secure cards are a result of a required, nation-wide adoption in an…

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You’re Invited: FREE Shred Day on Friday, October 9!

Posted on Friday, October 2, 2015

We're hosting our third and final Shred Day of the year next Friday, October 9, from 11:00 AM to 2:00 PM!  Federal Records Management and Shredding will have a mobile shredder on-site…

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Money Talk: 7 Times You’ll Be Glad You Saved

Posted on Wednesday, September 30, 2015

This article originally appeared on DailyWorth, authored by Koa Beck. Have You Saved Enough? While everyone — at least in this corner of the Internet — knows they are supposed to…

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Money Monday: Top 10 Mind Hacks to Help You Save More Money

Posted on Monday, September 28, 2015

This article originally appeared on Lifehacker, authored by Melanie Pinola. You already know the common strategies for saving money: Automatically set aside a portion of your paycheck, stick…

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Thrifty Thursday: Save Time + Money Using the Pantry Principle

Posted on Thursday, September 24, 2015

You had every intention of gracefully whipping up a healthy, beautiful, French-inspired dinner for the family last evening, but between picking up the kids from school, basketball practice,…

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SWITCHkit: Simplify the Switch to 3Rivers

Posted on Friday, September 18, 2015

We know switching financial institutions is time consuming and maybe even a little intimidating. 3Rivers has made it easy for you with SWITCHkit, powered by ClickSWITCH – our free online…

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Watch-it-Wednesday: The Credit Union Difference

Posted on Wednesday, September 16, 2015

It's a common question, and it's one we never get tired of answering: What's the difference between a bank and a credit union? Sure, both offer products and services that…

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Let’s Break it Down: Installment Loans vs. Revolving Credit

Posted on Monday, September 14, 2015

When you hear the word, “Debt,” do you automatically think, bad? Stop right there! While bad debt is a real thing, debt can also be a very important and helpful…

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2015 Fall Festivals + Events in Our Area

Posted on Sunday, September 13, 2015

This month has got us SO excited for cozy sweaters, bonfires, warm soup, crunchy leaves, pumpkin and apple spice treats, and all things autumn! It'll be here in full force before we know…

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Switch to 3Rivers + Get Up to $80 in Your New Checking Account! [OFFER CLOSED]

Posted on Thursday, September 3, 2015

NOTE: This offer has expired. But making the switch to 3Rivers is still easy! Click here to get started. 3Rivers believes everyone can achieve financial success. That's why…

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In Case You Missed It: 3Rivers Members Can Bank (for Free) Anywhere in the USA!

Posted on Wednesday, September 2, 2015

Today, we're here to bust a common myth about credit union membership. While many love that credit unions keep it local and support the communities in which they operate, those same people…

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