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
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 QuoteSearch 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.
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.
Auto, Truck, & Motorcycle Loans
| 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% |
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 $39 and a loan processing fee of $99. Your APR will vary depending on your loan amount, interest rate & loan term.
Powersport / Other
| 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% |
Apply for a 3Rivers Powersport/Other Loan
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
| 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% |
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 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
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 Lines of Credit
| Minimum amount | Rate (as low as) | APR** |
|---|---|---|
| $1,000 recommended minimum amount | 11.70% | 11.70% |
Apply for your 3Rivers Unsecured Loan
Membership required, to learn more visit www.3riversfcu.org/join
Unsecured Term Loan
| 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% |
Apply for your 3Rivers Unsecured Loan
* 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!
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 QuoteMortgage Rates
| Program Name | Rate (as low as)1 | APR2 | Points |
|---|---|---|---|
| 30 Year Fixed (Conforming) | 6.625% | 6.754% | 0.000% |
| 20 Year Fixed (Conforming) | 6.625% | 6.794% | 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
| 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.
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.
Student Loans
| 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!
Mastercard Credit Card
| 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 |
Apply for a 3Rivers MasterCard
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.
We offer the following protections:
Debt Protection
Debt Protection is an "umbrella" term for the program that can potentially cancel remaining debt in the event of an unexpected event. Learn more about or add Debt Protection coverage.
Mechanical Breakdown Protection (MBP)
Mechanical Breakdown Protection (MBP) provides protection against mechanical breakdowns above and beyond the original manufacturer's warranty. Learn more about or add MBP.
Guaranteed Asset Protection (GAP)
Guaranteed Asset Protection (GAP) covers the deficiency balance on your loan in the event of a total loss of your vehicle. Learn more about or add GAP.
Depreciation Protection (DPW)
DPW covers the depreciation of the vehicle. It is a debt cancellation product that in the event of a total loss provides a benefit equal to the difference between NADA Retail value of the vehicle at the time of coverage enrollment and the loan balance at the time of the total loss. Learn more about or add DPW.
Auto Essentials (VPP)
Auto Essentials (VPP) provides protection from normal driving incidents and out-of-pocket expenses that aren't typically covered by insurance policies, manufacturer's warranties or extended warranties. Learn more about or add VPP.
