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3Rivers Rates & Loans

3Rivers Vehicle Loans

At 3Rivers, we know the value of your vehicle goes beyond the price tag. It helps you and those you love create lasting memories—on the road and beyond.

We’re here to help put you in the driver’s seat when it comes experiencing your life’s most memorable moments and adventures by making it simple to shop for, buy, and protect the vehicles that make them possible

Apply Today Schedule Appointment

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We combine all elements of the car buying service by offering:

  • Convenience: Our online and mobile buying process - with competitive rates on all our auto, truck, RV/camper, boat, and/or motorcycle loans - is available 24/7.
  • Protection: We give you the options for peace of mind with added protection plans, including MBP, GAP, Debt Protection, and DPW for your new vehicle.
  • Car Buying Service: We've partnered with the TrueCar car buying service, which helps you search for your new ride at the best price through a network of trusted dealers.
  • Easy Application: Our in-house underwriters provide a quick turnaround on loan processing and approvals. You can apply on the web, from your mobile device, or at  your nearest branch.

Shop Buy Protect

From start to finish, 3Rivers makes the auto buying process simple. When you’re ready for a new ride, we’re ready to help—online, in person, and even over the phone.

Looking to Refinance Your Vehicle?

Refinancing your auto loan may be a smart move, given the right circumstances. For example, if interest rates have dropped, your credit score has improved, or you’ve experienced a financial setback since purchasing your vehicle, a refinance could mean more money each month to use toward other financial goals and priorities. Check out this blog post to learn more about when an auto loan refinance might be in your best interest.

 

MOTORCYCLE, BOAT & CAMPER LOANS

If you've been dreaming of hitting the open waves or cruising the open road, we can help make it a reality! In addition to the traditional auto loan, we offer options for motorcycle, boat, and camper loans.

If you're thinking about refinancing an existing loan, we may be able to save you money—month to month and in the long-run!

Don’t forget to protect your dream ride—and yourself! We offer coverage options to ensure that both you and your new vehicle are protected.

Apply Today Schedule Appointment

APR=Annual Percentage Rate. All rates advertised are based upon borrowers’ qualifications and will depend on a variety of factors, including, but not limited to: the model year of the vehicle, whether the vehicle is new or used, credit history, loan amount, loan term, loan to value ratio of vehicle, etc. All loans are subject to credit approval. Loan application requires vehicle information, as well as, driver’s license number, issue date, and expiration date for all borrowers. Additional restrictions and conditions may apply. Loans are subject to a one-time processing fee.
Membership required, to learn more visit www.3riversfcu.org/join

Auto & Truck Loans

Last updated: 2/1/2021
Model Years Term Minimum Loan Amount Rate APR1
2018 & Newer 12 - 36 months $5,000 as low as 2.69% 3.79%
2018 & Newer 37 - 48 months $5,000 as low as 2.69% 3.53%
2018 & Newer 49 - 60 months $5,000 as low as 2.89% 3.57%
2018 & Newer 61 - 72 months $10,000 as low as 3.09% 3.37%
2018 & Newer 73 - 84 months $15,000 as low as 3.29% 3.45%
2015-2017 12 - 36 months $5,000 as low as 3.09% 4.19%
2015-2017 37 - 48 months $5,000 as low as 3.09% 3.93%
2015-2017 49 - 60 months $5,000 as low as 3.29% 3.97%
2015-2017 61 - 72 months $10,000 as low as 3.49% 3.78%
2012-2014 12 - 36 months $5,000 as low as 3.69% 4.80%
2012-2014 37 - 48 months $5,000 as low as 3.69% 4.53%
2012-2014 49 - 60 months $5,000 as low as 3.89% 4.57%
2011 & Older 12 - 48 months $5,000 as low as 5.14% 5.99%
2011 & Older 49 - 60 months $5,000 as low as 5.64% 6.49%

Apply for a 3Rivers Auto & Truck Loan

1APR=Annual Percentage Rate. All rates advertised are based upon borrowers’ qualifications and will depend on a variety of factors, including, but not limited to: the model year of the vehicle, whether the vehicle is new or used, credit history, loan amount, loan term, loan to value ratio of vehicle, etc. All loans are subject to credit approval. Loan application requires vehicle information, as well as, driver’s license number, issue date, and expiration date for all borrowers. Additional restrictions and conditions may apply. Loans are subject to a one-time processing fee.

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

Payment Example:

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

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

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

APR Calculations above have been based on the minimum loan amount and for the maximum term listed and account for a VSI Fee of $34 and a loan processing fee of $50. Your APR will vary depending on your loan amount, interest rate & loan term.

Motorcycle, ATV, Personal Watercraft, Snowmobile, Trailer

Last updated: 2/1/2021
Model Year Term Minimum Loan Amount Rate APR1
2018 & Newer 12 - 36 months $5,000 as low as 3.39% 4.50%
2018 & Newer 37 - 48 months $5,000 as low as 3.59% 4.43%
2018 & Newer 49 - 60 months $5,000 as low as 3.79% 4.47%
2018 & Newer 61 - 72 months $10,000 as low as 4.09% 4.38%
2015-2017 12 - 36 months $5,000 as low as 3.99% 5.10%
2015-2017 37 - 48 months $5,000 as low as 4.19% 5.03%
2015-2017 49 - 60 months $5,000 as low as 4.39% 5.07%
2012-2014 12 - 36 months $5,000 as low as 4.99% 6.11%
2012-2014 37 - 48 months $5,000 as low as 5.19% 6.04%
2012-2014 49 - 60 months $5,000 as low as 5.39% 6.08%
2011 & Older 12 - 48 months $5,000 as low as 7.39% 8.26%

Apply for a 3Rivers Motorcycle, ATV & Watercraft Loan

1APR=Annual Percentage Rate. All rates advertised are based upon borrowers’ qualifications and will depend on a variety of factors, including, but not limited to: the model year of the vehicle, whether the vehicle is new or used, credit history, loan amount, loan term, loan to value ratio of vehicle, etc. All loans are subject to credit approval. Loan application requires vehicle information, as well as, driver’s license number, issue date, and expiration date for all borrowers. Additional restrictions and conditions may apply. Loans are subject to a one-time processing fee.

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

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

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

APR Calculations above have been based on the minimum loan amount and for the maximum term listed and account for a VSI Fee of $34 and a loan processing fee of $50. Your APR will vary depending on your loan amount, interest rate & loan term.

Camper / RV

Last updated: 2/1/2021
Model Year Term Minimum Loan Amount Rate APR1
2018 & Newer* 12 - 60 months $5,000 as low as 3.29% 3.97%
2018 & Newer* 61 - 72 months $10,000 as low as 3.63% 3.92%
2018 & Newer* 73 - 96 months $15,000 as low as 3.97% 4.12%
2018 & Newer* 97 - 144 months $15,000 as low as 4.31% 4.41%
2018 & Newer* 145 - 180 months $25,000 as low as 4.65% 4.70%

Apply for a 3Rivers Camper/RV Loan

1APR=Annual Percentage Rate. All rates advertised are based upon borrowers’ qualifications and will depend on a variety of factors, including, but not limited to: the model year of the vehicle, whether the vehicle is new or used, credit history, loan amount, loan term, loan to value ratio of vehicle, etc. All loans are subject to credit approval. Loan application requires vehicle information, as well as, driver’s license number, issue date, and expiration date for all borrowers. Additional restrictions and conditions may apply. Loans are subject to a one-time processing fee.

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

* For Camper / RV or Boat Loans where model year is from 2015 to 2017, add 1% to the listed rates. Where model year is 2012 to 2014, add 2%. If model year is 2011 or older add 3% to the listed rates.

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

Term guidelines: 12-60 months minimum loan amount $5K. 61-72 months minimum loan amount $10K. 73-96 months minimum loan amount $15K. 97-144 months minimum loan amount $25K. 145-180 months minimum loan amount $35K.

APR Calculations above have been based on the minimum loan amount and for the maximum term listed and account for a VSI Fee of $34 and a loan processing fee of $50. Your APR will vary depending on your loan amount, interest rate & loan term.

Boat

Last updated: 2/1/2021
Model Year Term Minimum Loan Amount Rate APR1
2018 & Newer* 12 - 60 months $5,000 as low as 3.29% 3.97%
2018 & Newer* 61 - 72 months $10,000 as low as 3.63% 3.92%
2018 & Newer* 73 - 96 months $15,000 as low as 3.97% 4.12%
2018 & Newer* 97 - 144 months $15,000 as low as 4.31% 4.41%
2018 & Newer* 145 - 180 months $25,000 as low as 4.65% 4.70%

Apply for a 3Rivers Boat Loan

1APR=Annual Percentage Rate. All rates advertised are based upon borrowers’ qualifications and will depend on a variety of factors, including, but not limited to: the model year of the vehicle, whether the vehicle is new or used, credit history, loan amount, loan term, loan to value ratio of vehicle, etc. All loans are subject to credit approval. Loan application requires vehicle information, as well as, driver’s license number, issue date, and expiration date for all borrowers. Additional restrictions and conditions may apply. Loans are subject to a one-time processing fee.

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

* For Camper / RV or Boat Loans where model year is from 2015 to 2017, add 1% to the listed rates. Where model year is 2012 to 2014, add 2%. If model year is 2011 or older add 3% to the listed rates.

Payment Example(s):

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

APR Calculations above have been based on the minimum loan amount and for the maximum term listed and account for a VSI Fee of $34 and a loan processing fee of $50. Your APR will vary depending on your loan amount, interest rate & loan term.

3Rivers Personal Loans

Not every loan is for something major, like a car or a house. Sometimes, you just need a loan to cover a smaller purchase or to consolidate some existing debts in order to pay them off more quickly.

A personal loan from 3Rivers not only offers you a lower interest rate*.

3 Ways to Apply:

  • Determine your eligibility
  • Visit any of our convenient locations
  • Apply using our mobile banking app
  • Call us at 260.490.8328

Apply Today Schedule Appointment

*Interest rates are based upon borrower's qualifications.

APR=Annual Percentage Rate. All rates advertised are based upon borrowers’ qualifications and will depend on a variety of factors including, but not limited to, credit history, loan amount, and loan term. All loans are subject to credit approval. Additional restrictions and conditions may apply. Loans are subject to a one-time processing fee.
Membership required, to learn more visit www.3riversfcu.org/join

Unsecured

Last updated: 2/1/2021
Unsecured Lines of Credit Rate (as low as) APR**
$1,000 minimum - $3,000 maximum 11.70%
Unsecured Term Loan
12 - 48 months, $1,000* minimum loan amount 10.24% 12.85%
49 - 60 months, $5,000 minimum loan amount 10.59% 11.02%
61 - 72 months, $10,000 minimum loan amount 10.94% 11.13%
73 - 84 months, $15,000 minimum loan amount 11.29% 11.40%

Apply for your 3Rivers Unsecured Loan

* Maximum term of 24 months for loan requests less than $2000.

** APR Calculations above have been based on the minimum loan amount and for the maximum term listed, and account for a loan processing fee of $50. Your APR will vary depending on your loan amount, interest rate & loan term.

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

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

3Rivers Mortgages & Home Equity Loans

Whether you’re in the market to build, buy, or renovate, our home loan options are customized to fit your unique mortgage needs. We can help make your home-ownership dreams a reality!

Learn More about your Mortgage & Remodeling Options

Apply Today Schedule Appointment

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Mortgage Rates

Last updated: 2/26/2021
Program Name Rate (as low as)1 APR2
5/1 ARM 3.625% 3.294%
7/1 ARM 3.750% 3.382%
30 Year Fixed (Conforming) 3.250% 3.408%
20 Year Fixed (Conforming) 3.000% 3.220%
15 Year Fixed (Conforming) 2.375% 2.656%
10 Year Fixed (Conforming) 2.375% 2.786%

Apply Now Customized Rates based on your Loan Details

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 Mortgage

Last updated: 2/1/2021
Second Mortgage 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 3.25% 3.464%
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 3.25% 3.562%
Closed End Second Mortgage 60 $10,000 - $200,000 60 months as low as 5.50% 6.114%
Closed End Second Mortgage 120 $20,000 - $200,000 120 months as low as 5.50% 5.663%
Closed End Second Mortgage 180 $50,000 - $200,000 180 months as low as 5.75% 5.796%

Apply Now

1APR=APR=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:
• Closed End Real Estate – 120 months @ 5.75% your payment will roughly be $10.98 monthly per $1,000 borrowed.

The APR has been calculated using the minimum loan amount and the maximum term listed. Your APR will vary depending on the loan amount, interest rate & loan term.

Business & Commercial Lending

Our lending solutions can take your business to the next level! We make the process simple and strive to find personalized solutions to suit your unique needs. We’re locally-based, so the decisions that affect your business are made right here, by people who know you and understand your company’s goals.

Learn More about our Business Lending Options

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Student Lending Options

Teens and twenty-somethings who are busy gathering a wealth of knowledge in the classroom are also often in a season of learning about their own finances for the first time. From budgeting and saving to student loans and more, managing money on top of being a student can feel overwhelming. We’re here to help you (and your parents) make sense of your options and navigate your financial journey during this chapter of your life.

Learn More about our Student Lending Options

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Student Loans

Last updated: 2/1/2021
Type Balance Rate Term
Undergraduate Private Student Loan - Variable $1,000 - $60,000 as low as 4.99%(1)(2)
Undergraduate Private Student Loan - Fixed $1,000 - $40,000 as low as 5.74%
Graduate Private Student Loan $1,000 - $60,000 as low as 4.99%(1)(2)
Student Loan Refinance (Federal & Private) $5,000 - $100,000(3) as low as 3.99%(4) 12 - 60 months
Student Loan Refinance (Federal & Private) $10,000 - $100,000(3) as low as 4.49%(4) 61 - 120 months
Student Loan Refinance (Federal & Private) $15,000 - $100,000(3) as low as 4.99%(4) 121 - 180 months

Apply for New Loan   Refi Existing Loan

(1) The Annual Percentage Rate is subject to change after consummation. Your interest rate is variable and may be adjusted quarterly on each January 1, April 1, July 1 and October 1 (Adjustment Date) based on the Prime index as published in the Wall Street Journal on the first business day of the month immediately prior to the Adjustment Date (e.g., December, March, June and September). Any increase in the index may increase the APR and the amount of your monthly payment. Loans are subject to a one-time processing fee. Membership required, to learn more visit www.3riversfcu.org/join

(2) The "Index" for the quarter beginning October 1st, 2020, is 3.25%, which was the Prime index published in the Wall Street Journal on the first business day of September 2020. 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.

3Rivers Mastercard

With a competitive rate, monthly rewards, and enhanced security, it’s easy to see why cardholders use their 3Rivers Mastercard® credit card more than any other in their wallets!

Consumer Card Business Card

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Mastercard Credit Card

Last updated: 2/1/2021
Perk Description
Annual Percentage Rate1 As low as 10.95% APR1
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 MasterCard

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

Most 3Rivers Accounts Feature:

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