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Investing in our Community

3Rivers Gives Back

Credit unions are more than just financial institutions. We're not-for-profit, member-owned cooperatives that focus heavily on supporting the communities in which we operate. As such, we exist on the philosophy of “people helping people.” We love giving back to our members on a daily basis by consistently offering the best products and services, state-of-the-art technology, competitive rates, great rewards, and personalized experiences through every step of your journey with us. 

But did you know that simply by being a member, you help us give back to the communities in which we serve? Here's how!

Benefits of Becoming a Member

3Rivers Members Volunteers

Charitable Donations

Since 2015, the 3Rivers Credit Union Foundation has granted nearly $1M to almost 200 local non-profits. Over half of our employees donate a portion of each paycheck to local organizations of their choice, and we regularly donate to non-profits in need. Learn more about our 2021 Holiday Giveback campaign, which raised $50,000 for five local non-profits!


3Rivers encourages employees to volunteer at local non-profits and community events, granting team members two paid volunteer days per year. Over the years, our team has volunteered thousands of hours of our time to various causes in our area. Additionally, employees take part in an annual company-wide volunteer day that takes place on a pre-determined holiday in which the credit union is already scheduled to be closed. If you would like to learn more about our volunteer program, please email

Opportunities to Improve Health and Wellness

3Rivers regularly hosts events like blood drives and on-site mobile mammography services, and we sponsor and take part in several health-related community initiatives, fundraisers, and activities.

Financial Education

We provide financial education within our branches and through our website resources, seminars and presentations at local schools, and partnerships with organizations like Junior Achievement.

Educational Support

Every year, we offer free, public seminars to walk students and parents through college planning and filing the FAFSA. Each spring, we grant over $20,000 in scholarships to local students.

Measures to Prevent Identity Theft and Fraud

3Rivers invests in several tools and resources (and stays up-to-date on the latest technology) that help us protect our members' account and personal information. In addition, we host two free community shred days each year. The public is invited to bring sensitive documents to our campus to be shredded on-site and recycled. We also offer ongoing education on fraud protection.

As a member of 3Rivers, you’re not just banking with us. You’re helping us to continually make a positive impact on our community – your community!

A Stronger Local Economy

3Rivers supports local businesses and, as a member, you do, too! When our communities’ businesses thrive, the local economy follows suit.

Environmental Awareness and Action

As we break new ground on buildings, improve existing structures, and go about our daily tasks, our environment is top-of-mind. 3Rivers has several LEED-certified buildings, and we constantly seek out ways to reduce, reuse, and recycle. Nearly all of our services and communications are offered digitally.


Request Community Sponsorships

We love the many exciting events that keep our community bustling and bring us together! If you’re seeking a financial support for your organization’s upcoming event, we’d love to learn more! Please take a few moments to read our guidelines and complete an application form to request funding. You may contact us by email at for more information.

Preview Application Apply Now

3Rivers Federal Credit Union believes in the credit union philosophy of people helping people and is dedicated to supporting its communities and the organizations serving them. 3Rivers Federal Credit Union will make contributions, donate funds, or sponsor events and activities to benefit the community and represent the values of the credit union and its membership.

All requests must be submitted a minimum of 60 days prior to the event or sponsorship deadline, whichever comes first. In fairness to all applicants, we ask that only one request per organization be submitted during any 12 month period.


  1. Funding focus must be consistent with the interests of the credit union.
  2. Recipients of 3Rivers community funds must be located within the counties served by 3Rivers Federal Credit Union
  3. 3Rivers Federal Credit Union does not fund:
    • Endowment campaigns
    • Individuals or individual projects
    • Religious or fraternal organizations
    • Political causes or candidates
  4. Applications are reviewed monthly by the 3Rivers Community Engagement Team.
  5. Meeting these criteria does not guarantee 3Rivers’ participation.
  6. Consideration for funding will be based on available funds.

Note: If you’re a non-profit organization interested in receiving a grant, visit our Community Foundation page to learn more about the 3Rivers Credit Union Foundation and submit an application.

3Rivers Credit Union Foundation

Since 1935, 3Rivers has served our community and is committed to investing in the people and programs that support our mission and move this community forward.

The Quarter 2 application deadline has passed. Quarter 3 applications will become available in late May 2022

Preview Application Apply Now

Organizations must be tax-exempt under Section 501(c)(3) of the Internal Revenue Code and support recipients located in counties served by 3Rivers Federal Credit Union. Funding requests must be consistent with the mission of the 3Rivers Credit Union Foundation and must demonstrate specific goals with measurable results.

The 3Rivers Credit Union Foundation does not fund:

  • Endowment campaigns
  • Individuals or individual projects
  • Religious organizations
  • Political causes or candidates
  • Operating expenses
  • Reduction or liquidation of debt

We ask that funding requests not exceed $10,000; however, 3Rivers Federal Credit Union executive management retains discretionary flexibility as to the actual amount awarded.

All requests will be reviewed and evaluated on an individual basis by the Foundation Committee. Funding grant meetings will occur on a quarterly basis. Application deadline is 30 days prior to each funding meeting. Organizations not receiving a grant may re-apply the following grant cycle. Organizations receiving grants may apply again one full calendar year following receipt of their grant.

Quick, easy documentation to fill out to start the qualification process.

All applicants will be notified in writing after the final funding decisions are made. Questions can be directed to: ALL applicants, including returning applicants, must use our updated application survey form.

2022 Funding Schedule and Deadlines

Last updated: 1/26/2022
Quarter Application Deadline Funding Meeting
Q1 Friday, February 4, 2022 Friday, February 25, 2022
Q2 Wednesday, April 20, 2022 Friday, May 20, 2022
Q3 Wednesday, July 20, 2022 Friday, August 19, 2022
Q4 Wednesday, October 19, 2022 Friday, November 18, 2022

990-PF Return of Private Foundation (2019)

990-PF Return of Private Foundation (2020)

990-PF Return of Private Foundation (2021)

Note: Electronic mail (email) is not secure. Any confidential or sensitive personal/business information should not be communicated in this manner.

About Us

"Helping people understand money matters everyday."

As a cooperative, 3Rivers is founded on the philosophy of “people helping people." We’re committed to supporting the people, places, and ideas that make us proud to call our region “home.” We provide our community with ongoing financial support—event sponsorships, foundation grants, and college scholarships—as well as volunteer efforts throughout the year.

Our Member Benefits

We're committed to giving back to our members by providing them with a banking experience that goes beyond products and transactions. In addition to offering top-of-the line technology, security, and service, and a wide array of custom solutions, we also give back through our competitive rates, higher dividends on savings, and flexibility in how you save, spend, and invest the funds you house with us.

3Rivers Federal Credit Union

Member Benefits Analysis

financial benefit to members*

annual benefit per
member household*


Experience Over 80 Years of Commitment to Our Community

On February 14, 1935, the International Harvester Company Fort Wayne Works Employees Federal Credit Union was organized. With assets of $250, we employed three individuals and were housed in the International Harvester Company office on Pontiac Street and Bueter Road.

In 1947, the credit union reached $1 million in assets and continued to grow. By 1976, we had grown to 11,722 members with $35,746,798 in assets, and by necessity, relocated from the International Harvester property to an office on New Haven Avenue.

The early 1980s brought a drastically reduced labor force to International Harvester Company. Credit union management adopted the name of Three Rivers Federal Credit Union in 1982 and opened the field of membership to other area businesses who were without the benefit of credit union services.

State & Nationally-Recognized Highlights

Over the years, 3Rivers has been an industry leader in Indiana. Some highlights include:

  • Recognized as the largest credit union in the state of Indiana (1965)
  • Became the first federally chartered credit union in Indiana to be designated by the National Credit Union Administration (NCUA) as a Community Development Credit Union, offering membership to an underserved area of Fort Wayne (1996)
  • Opened the first in-store credit union in the state of Indiana (1999)
  • Became the first Indiana credit union to join the Shared Branch Network (2000)
  • Granted a community charter expansion, allowing anyone who lives, works, or volunteers in the Indiana counties of Adams, Allen, DeKalb, Huntington, Noble, Wells, and Whitley to become a member (2005)
  • Expanded Northland headquarters by adding an additional LEED-certified building and updating existing building (2013)
  • Established the 3Rivers Credit Union Foundation (2015)
  • Exceeded $1B in assets (2018)
  • Recognized by S&P Global Market Intelligence as a top-performing credit union in the United States (2018-19)
  • Announced the intent to acquire West End Bank, based in Richmond, Indiana (2019)
  • Granted a multi-common bond charter (2020)

For more on 3Rivers' history, check out our special edition 2015 Annual Report!

Where We Are Today

Today, we're over 106,000 members and 21 branches strong. You can see the credit union's latest updates and our most recent financials in our 2021 Annual Report.

We continue to look for new ways to serve our members and our communities, and go beyond banking, with innovative technology, personalized service, community support, and more.

Our name may have changed, but our commitment hasn’t. 3Rivers' mission remains: helping people understand money matters every day. Experience over 85 years of commitment to our members and our community.


We're here for you. And we're here for good.

3Rivers Scholarship

3Rivers is committed to supporting education and wants to help students succeed. Each spring, we award more than $20,000 in scholarships to our members. Students may apply by filling out a general application and submitting a written essay. The essay topics and Terms & Conditions are subject to change year-to-year.

Our next scholarship contest will take place in the summer of 2022. To learn more about the 3Rivers Scholarship program and to apply, visit our Scholarship page or contact us at


Student Resources

Our College Funding team and library of resources can help you make sense of applying for student aid—including the FAFSA, loans, grants, and scholarships—in addition to making sense of your award letters, college life, your career path, student loan repayment, and more!

Student Education Student FAQs

3Rivers Podcast: A Voice for the Good

A Voice for the Good is a monthly podcast, created by 3Rivers and 97.3 WMEE, that tells the stories of local non-profits throughout northeast Indiana.

We're proud to support so many of the organizations that are committed to making our community a better place to live, work, and play, and want to help spread the word about the difference they're making in our region. Plus, listeners can learn how they may be able to benefit from or help these causes.

Join host Aly Hess (3Rivers' Marketing Content Manager) and some of our community's most inspiring leaders each month on your favorite podcast platform!

Featured Non-Profits:

Want to tell your non-profit's story on A Voice for the Good? Text "VOICE" to 46862! Please note that this may lead you to incur standard text messaging rates or other applicable charges consistent with your wireless carrier/mobile phone plan.

Apple Podcast      Spotify Podcast


Annual Report

Each year, we provide our members and our community with a snapshot of our financial performance, community involvement, and other noteworthy happenings from the previous year. You can have a look at last year’s highlights here:

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