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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

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The information supplied by this calculator is for illustrative purposes and may not reflect your final payment. Your payment will vary depending on your loan amount, interest rate & loan term upon application and approval.

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.

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.

Get a Quick Auto Insurance Quote!

Once you’ve purchased your dream car or home, or started your small business, you’ll want to make sure they’re well protected. We offer insurance options and protection plans that will give you peace of mind now and save you time, stress, and money should the unexpected occur later on. Take a moment to insure your Vehicle, Home, or Business today!

Get an Auto Insurance Quote

Search for Your Next Car

Save time and money on your next car or truck purchase with the 3Rivers Car Buying Service, powered by TrueCar. Start your search below or learn more about this free car buying service.

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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.

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Interest Rates Certified by Datatrac

Auto, Truck, & Motorcycle Loans

Last updated: 4/24/2023
Model Years Term Minimum Loan Amount Rate APR1
2020 & Newer 12 - 36 months $5,000 as low as 5.94% 7.26%
2020 & Newer 37 - 48 months $5,000 as low as 6.14% 7.15%
2020 & Newer 49 - 60 months $5,000 as low as 6.34% 7.16%
2020 & Newer 61 - 72 months $10,000 as low as 6.54% 6.89%
2020 & Newer 73 - 84 months $15,000 as low as 6.94% 7.14%
2019-2017 12 - 36 months $5,000 as low as 6.14% 7.46%
2019-2017 37 - 48 months $5,000 as low as 6.54% 7.55%
2019-2017 49 - 60 months $5,000 as low as 6.74% 7.56%
2019-2017 61 - 72 months $10,000 as low as 6.94% 7.29%
2019-2017 73 - 78 months $15,000 as low as 7.14% 7.36%
2016-2014 12 - 36 months $5,000 as low as 7.14% 8.47%
2016-2014 37 - 48 months $5,000 as low as 7.34% 8.36%
2016-2014 49 - 60 months $5,000 as low as 7.54% 8.37%
2013 & Older 12 - 48 months $5,000 as low as 8.59% 9.62%
2013 & Older 49 - 60 months $5,000 as low as 9.09% 10.12%

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 $39 and a loan processing fee of $99. Your APR will vary depending on your loan amount, interest rate & loan term.

Powersport / Other

Last updated: 4/24/2023
Model Year Term Minimum Loan Amount Rate APR1
2020 & Newer ** 12 - 48 months $5,000 as low as 7.24% 8.26%
2020 & Newer ** 49 - 60 months $5,000 as low as 7.64% 8.47%
2020 & Newer ** 61 - 72 months $10,000 as low as 8.09% 8.44%
2020 & Newer *** 73 - 96 months $15,000 as low as 8.39% 8.57%
2020 & Newer *** 97 - 144 months $20,000 as low as 9.04% 9.14%

Powersport/Other includes all vehicles/collateral that have a serial number and/or VIN, and that do not fall into our other vehicle loan categories. Some examples include: ATVs, UTVs, PWCs, Snowmobiles, Scooters, Non-Street Motorcycles, Trailers, Farm/Lawn Tractors/Mowers, Recreational Use Golf Carts.
***73-96 months and 97-144 months for Boat Piers, Dock and Lift only

**All units in this category must have a VIN and/or Serial Number to qualify

**2019 and older units in this category must be financed using our Unsecured Term Loan options

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 $39 and a loan processing fee of $99. Your APR will vary depending on your loan amount, interest rate & loan term.

Boat / Camper / RV

Last updated: 4/24/2023
Model Year Term Minimum Loan Amount Rate APR1
2020 & Newer* 12 - 60 months $5,000 as low as 6.64% 7.46%
2020 & Newer* 61 - 72 months $10,000 as low as 7.09% 7.44%
2020 & Newer* 73 - 96 months $15,000 as low as 7.39% 7.57%
2020 & Newer* 97 - 144 months $15,000 as low as 8.04% 8.17%
2020 & Newer* 145 - 180 months $25,000 as low as 9.14% 9.21%

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 2016 to 2019, add 1% to the listed rates. Where model year is 2012 to 2015, 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 $15K. 145-180 months minimum loan amount $25K.

APR Calculations above have been based on the minimum loan amount and for the maximum term listed and account for a VSI Fee of $39 and a loan processing fee of $99. 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

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*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 Lines of Credit

Last updated: 3/27/2023
Minimum amount Rate (as low as) APR**
$1,000 recommended minimum amount 11.70% 11.70%

 

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

Unsecured Term Loan

Last updated: 4/24/2023
Term Rate (as low as) APR**
12 - 48 months, $3,000* minimum loan amount 13.24% 15.01%
49 - 60 months, $5,000 minimum loan amount 13.74% 14.62%
61 - 72 months, $10,000 minimum loan amount 14.74% 15.12%

* Minimum loan amount of $3,000; minimum term is 24 months.

** 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 $99. 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!

Schedule Appointment

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Mortgage Loan Options

Get a Quick Home Insurance Quote!

Once you’ve purchased your dream car or home, or started your small business, you’ll want to make sure they’re well protected. We offer insurance options and protection plans that will give you peace of mind now and save you time, stress, and money should the unexpected occur later on. Take a moment to insure your Vehicle, Home, or Business today!

Get a Home Insurance Quote

Mortgage Rates

Last updated: 6/1/2023
Program Name Rate (as low as)1 APR2 Points
30 Year Fixed (Conforming) 6.500% 6.628% 0.000%
20 Year Fixed (Conforming) 6.500% 6.668% 0.000%
15 Year Fixed (Conforming) 6.500%

6.711%

0.000%
10 Year Fixed (Conforming) 6.375% 6.671% 0.000%

1Rates are subject to change without notice and are based upon borrower qualifications and credit review. Rate posted assumes the purpose of the loan is to purchase a primary residence, loan amount of $150,000, Loan to Value of 60% or less, Debt to Income ratio of less than 40%, credit score of 780 or above.

2Annual Percentage Rate (APR) is calculated based on a loan amount of $150,000.00.

 

Second Mortgage

Last updated: 5/4/2023
Second Mortgage Loan Amount Term1 Rate APR1
Interest Only Home Equity LOC $10,000 - $100,000 60 month term loan. Monthly payment will be all accrued yet unpaid finance charges due. as low as 8.25% 9.090%
Closed End Second Mortgage 60 $10,000 - $100,000 60 months as low as 8.00% 8.838%
Closed End Second Mortgage 120 $20,000 - $100,000 120 months as low as 8.00% 8.228%
Closed End Second Mortgage 180 $50,000 - $100,000 180 months as low as 8.25% 8.316%
Fixed Home Equity LOC $10,000 - $100,000 5 year draw period, Interest only payment. 10 year repayment at conclusion of draw period as low as 9.75% 10.095%

1APR=Annual Percentage Rate. All rates advertised are based upon borrowers qualifications. Rate for Interest Only Home Equity LOC is based on prime (index), as published in the Wall Street Journal, plus a margin. Index plus margin equals the Interest Rate. Current prime is 7.75%. 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.

Rate for Interest Only Home Equity LOC is 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 7.75%. 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 @ 8.00% your payment will roughly be $12.13 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: 4/24/2023
Type Term Loan Amount Rate APR
Undergraduate Private Student Loan - Variable $1,000 - $60,000
as low as 6.49%(1)(2)
Undergraduate Private Student Loan - Fixed $1,000 - $40,000 as low as 5.49%
Graduate Private Student Loan - Variable $1,000 - $60,000
as low as 8.24%(1)(2)
Student Loan Refinance (Federal & Private) 12 - 60 months Minimum $5,000(3) as low as 7.09% 7.92%(4)
Student Loan Refinance (Federal & Private) 61 - 120 months Minimum $10,000(3) as low as 7.59% 7.81%(4)
Student Loan Refinance (Federal & Private) 121 - 180 months Minimum $15,000(3) as low as 8.09% 8.20%(4)

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.

(2) (2) The "Index" for the quarter beginning July 1st, 2022, is 4.00%, which was the Prime index published in the Wall Street Journal on the first business day of June 2022. 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 (excludes credit cards). 

(4) APR shown is calculated using the 'as low as' rate, the maximum term, the minimum amount, and a $99 loan processing fee. 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. No Early Payoff Penalties.

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

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

Credit Card Balance Transfer Form

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Mastercard Credit Card

Last updated: 6/1/2023
Perk Description
Annual Percentage Rate1 As low as 15.70% 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

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

Contact Us

For question or issues during business hour, you can call us at 800.825.3641 or email us. For after hours assistance, please email us and a 3Rivers team member will be in touch within 24 hours.

Add peace of mind to your purchase with our protection options!

Make sure you’re prepared should an unexpected event happen after making your purchase. Our protection options give you peace of mind, knowing your investments are covered. The solutions we offer are designed to protect you and your good credit—just in case the unthinkable happens.

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