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3Rivers Scholarship


The application deadline for this year’s contest is now closed! 

Over the next several days, our team will be reviewing applications and will reach out to any students we may require more information or documentation from. We'll announce our lucky, randomly selected winners on or by Friday, July 10. Good luck!


The application for this year's Scholarship Contest is now closed.


Have questions about the Scholarship Contest? Hopefully we can answer them here. Please thoroughly read the OverviewOfficial Rules, and this FAQ page before reaching out to us.

If more clarification is needed, we strongly encourage the scholarship applicants to contact us themselves. Parents and teachers aren't the ones applying, after all!

Who is eligible to apply?

Undergraduate, graduate, dependent, non-dependent, and returning adult students are all eligible to apply, so long as they will be enrolled full-time at an accredited school for the 2020-2021 academic school year and are a 3Rivers member. This DOES include graduating high school seniors who are entering their first year of college in fall of 2020.

New members who have recently transitioned to 3Rivers from West End ARE eligible to apply!

Though current 3Rivers employees and board members are NOT eligible to apply, our employees’ and board members’ dependents ARE eligible to apply!

How can I become a 3Rivers member?

It’s easy! You can  apply online or stop into your nearest 3Rivers branch today.

What constitutes “full-time” enrollment?

While every school has different credit hour requirements to meet “full-time” enrollment, for most schools, this requires 12 credit hours or more. If you’re unsure, please contact your university’s college advisor to see what constitutes full-time at your school.

What qualifies as “proof of enrollment?”

A screenshot, photo, or scanned copy of a letter of acceptance to an accredited school or your 2020 fall course schedule will meet this requirement.

Can I apply if I’ve not yet been accepted to a school, have not yet decided on a school, or think I might be transferring schools?

Yes! You can still apply. In place of uploading your proof of enrollment, simply upload a document that contains the line, “Proof of enrollment forthcoming.” If you are selected to receive a scholarship, we’ll hold the check until you can provide proof of enrollment.

How “official” does my transcript need to be?

A screenshot, photo, or scanned copy of your transcript as it appears on your school’s student portal, or that you’ve been presented with physically or via email, will suffice. We do NOT need an official transcript with the seal, etc. from your university and cannot accept physical transcripts.

My school is requiring me to pay for an official transcript and/or wants to send my transcript to you by mail. What should I have them do?

We do not need an official transcript. If you are able to screenshot your most recent courses, grades, and GPA through your university’s online portal, or snap a photo of a physical transcript, this will suffice.

If your school’s Registrar Office insists on sending the transcript themselves, this is also acceptable, but please note that we can only accept electronic versions.

Electronic copies can be sent via email to with the subject line, “Transcript for [YOUR NAME].”

If your school’s Registrar Office has questions or concerns, please direct them to this page or have them contact us directly.

You require proof of a 3.5 or higher GPA, but my school doesn't operate on a 4.0 grading scale. 

That's okay! We require a (cumulative) 3.5 GPA or equivalent , so if your school operates on solely a letter grade system, a 12.0 scale, or other grading scale, you just need to ensure your GPA converts to a 3.5 or higher. There are several online calculators you can use to convert your GPA to a 4.0 grading scale, or you can reach out to your guidance counselor or college advisor to confirm!

I'm having trouble accessing the application and/or uploading documents.

While an application can be completed on any device, we do recommend using Chrome or Firefox browsers and ensuring you have a strong Internet connection before getting started. 

If a hiccup occurs in the middle of your application, try saving it (see directions below) and then refreshing the page or completely shutting down the browser and jumping back in. 

If you're only having issues when it comes to uploading your documents, check to see if they fit the file formats (.jpg, .jpeg, .pdf, .doc, .png) and size limits listed on the application. If they’re too big, try decreasing the size in a photo or document editor.

If you continue to have technical issues, contact us and we'll work with you to troubleshoot the issue.

I forgot to upload one of my documents, or am having trouble uploading the documents via the application form.

No problem! Simply attach the documents to an email with the subject line, “Additional Scholarship Application Documents – [YOUR NAME]” and send it to

If I begin the application but need to step away from my computer, can I save my progress and continue later?

Yes! You are welcome to work on your application in more than one sitting by following these steps. 

  1. At the bottom of the application screen, you’ll see link that says, “Save and Continue Later” (desktop) or a Save icon (mobile.)
  2. Upon clicking this, you’ll be prompted to enter your email. Enter your email, and a link to your application will be sent to you.
  3. Open the email, click the provided link, and you’ll be taken back to where you left off!

If for some reason you do not receive the email, or misplace it, email us at and we will do our best to retrieve your application and send it to you.

How do I know my application has been successfully submitted?

After you submit your application, you should immediately see a screen confirming your submission, and within several minutes, receive an email confirmation as well.

I already submitted my application, but realized there was something I wanted to add to my application and/or essay. Or I’d simply like to redo it all. Can I resubmit a new application?

Sorry, because of the volume of applications and documents we receive over the course of the entry period, we will only allow one submission per entrant in order to help us keep proper track. We encourage you to thoroughly read all instructions, double check that you’ve attached the appropriate documents, and proofread your essay before submitting the final version to us to ensure everything is accurate. That being said, if you’ve mis-typed or left out important information (address, phone number, etc.) we will reach out to you for clarification.

I missed the deadline due to technical difficulties, misreading the deadline date or time, procrastination, etc. Can I still be considered if I'm a few minutes or hours late?

Sorry! The deadline to apply is 12:00 PM EST (noon, not midnight!) on Wednesday, July 1, 2020. Any applications received after this time will not be taken into consideration. Please use your time wisely, and plan to complete the application well in advance of the deadline to avoid any potential issues.

If you do experience technical difficulties at any time during the application process, please contact us detailing the issues you're having BEFORE 11:00 AM EST on July 1.

How and when will I be notified if I win a scholarship?

Scholarship winners will be notified first by email (the email provided on the application, so please be sure it's accurate), and then, pending no response, by phone. Any email contact from us will come from "Scholarship" ( and/or

We will contact all applicants with the results on or by Friday, July 10, 2020.

Will I be contacted even if I don’t win?

Yes, we contact each and every applicant to inform them whether or not they’ve won.

If I win, what happens next?

We’ll ask you to confirm your mailing address and sent your check via USPS within a few weeks of contacting you. Please be sure the address you provide is one you will be residing at when the check arrives (don’t give us your college dorm address if you’ll be living back at home for the summer)!

Winners MUST respond by email or phone by 5:00 PM EST on Friday, July 24. If we are unable to make contact with winners by this time, they risk forfeiting their prize to another randomly selected applicant.

Scholarship checks will be made out in the winner’s name as well as the name of their school. We suggest presenting the check in-person to your college’s bursar office.

NOTE: Some universities may lessen (or void) any existing grants or scholarships you’ve received from them should you receive scholarship funds from an outside organization. We encourage you to check in with your university’s financial aid office to ensure that, should you win extra scholarships like this one, you won’t lose out on anything they’ve already granted you!

What kinds of rules and regulations apply to the Scholarship Contest?

We have them all written out for you on our  Official Rules page!

Can I submit more than one entry to increase my chances of winning?

No. Only one entry per applicant is allowed. If you submit multiple applications, only your first submission will be considered and included in our final selection drawing.

I have other questions not listed here. Who should I contact?

We’d be happy to assist you, and encourage scholarship applicants (hey, your parents aren’t the ones applying, after all) to contact us at or 260.490.8328 for more information.

For details on prize amounts, application instructions, essay questions, and more, check out our  Scholarship Overview Page and  Official Rules Page.


Official Rules

Complete 2020 3Rivers Scholarship Contest
Rules & Regulations


These Rules & Regulations are specific to the 3Rivers Scholarship Contest. The Contest is governed by the rules set forth below. By applying for a 3Rivers Scholarship (entering The Contest) you agree that you have read and will abide by these Rules and Regulations and the decisions of The Contest Sponsor. You also agree to comply with all applicable laws. The Contest is void in whole or in part where prohibited by law. Participation in this Contest constitutes full and unconditional agreement and acceptance of these Rules & Regulations.

Contest Sponsor:

The Contest Sponsor is 3Rivers Federal Credit Union.

Contest Dates:

The Contest begins on Monday, June 1, 2020 at 12:00 PM EST and closes at 12:00 PM EST on Wednesday, July 1, 2020. Entries must be received by The Contest Sponsor within this period to be eligible to be entered to be awarded a scholarship. Entries submitted after 12:00 PM EST on July 1 will not be accepted.


Entrant Eligibility:

-The Contest is open to students who, at the time of their entry:

  • are accepted at and/or enrolled full time (typically 12 or more credit hours, but can vary by school) in a two or four-year program at an accredited college, university, trade school, or graduate school for the 2020-2021 school year (or are willing to provide proof of enrollment at a later date);
  • have a cumulative GPA of 3.5 (or equivalent) or higher;
  • and are a current 3Rivers Federal Credit Union member. Apply online today!

-Dependent and non-dependent undergraduate, graduate, foreign exchange, and returning adult students are eligible to apply. This includes 2020 high school seniors entering their first year of college.

- Current 3Rivers employees and board members are NOT eligible to apply, however, their dependents ARE eligible to participate in the contest.

-Past employees, retirees and representatives of the Contest Sponsor and their respective affiliates, subsidiaries, related companies, agents, associates, dealers, representatives, advertising, and promotional agencies are eligible to participate in The Contest.

-Any entrants who are 18  years of age or younger at the time of their entry may be asked to obtain signed permission from a parent in order to submit an entry into the 3Rivers Scholarship Program Contest and must provide this documentation to The Contest Sponsor (3Rivers) if asked.

-The Contest Sponsor shall have the right at any time to require proof of identity and/or eligibility to participate in The Contest. Failure to provide such proof may result in disqualification.

-All personal and other information requested by and supplied to The Contest Sponsor for the purpose of The Contest must be truthful, complete, accurate and in no way misleading.

-The Contest Sponsor may, at any time in their sole discretion, disqualify any entrant who: does not meet The Contest eligibility criteria, fails to comply with these rules, attempts to disrupt The Contest, or attempts to circumvent any of these rules.

How to Apply for Scholarship:

-Entrants who meet the conditions as outlined in the section above are eligible to enter The Contest during The Contest period by visiting and completing the application form (which includes uploading all required supporting documents and the 500-1,000 word essay).

-Required supporting documents include: most recent transcript showing a cumulative GPA of 3.5 or higher, proof of enrollment (if not yet enrolled, this can be provided at a later date) at an accredited post-secondary institution for the 2020-2021 academic year, and a recent photograph.

-The supporting documents will be viewed by The Contest Sponsor, but will be kept confidential. Only your photo, your essay, and your first name and last initial may be posted at and on 3Rivers’ social media pages for the public to view.

See below for detailed submission instructions:

-You are solely responsible for ensuring that all information you submit is up-to-date and accurate.

-The chances of receiving a scholarship through The Contest are dependent on the number of eligible applications received.

-Only one entry per person will be accepted. Entrants made with multiple addresses, under multiple identities, or through the use of any device or artifice to enter multiple times or entries that are in excess of the permitted number of entries during The Contest are automatically void.

-No purchase or entry fees are required to enter The Contest or to be a recipient of a scholarship from 3Rivers Federal Credit Union.

Visit and follow the instructions to apply.


Submission Eligibility:

Your essay submission must meet all of the following criteria to be eligible for The Contest:

-The essay must be between five-hundred (500) and one-thousand (1,000) words in length. If your essay is less than five-hundred words or more than one-thousand words, 3Rivers reserves the right to ask that you amend it to be eligible.

-Use only the English language.

-Be intended for a family audience and therefore not contain, depict or refer to any crude, vulgar, obscene, sexually, explicit, disparaging, discriminatory, offensive, illegal or otherwise unsuitable language, activity or other content (all as determined by The Contest Sponsor in their sole discretion).

-Not contain, depict or refer to any content which disparages or refers negatively to The Contest Sponsor, The Contest, or any other person or entity (all as determined by The Contest Sponsor in their sole discretion).

-Not conflict with any of 3Rivers’ core values, or otherwise be objectionable to The Contest Sponsor (as determined by The Contest Sponsor in their sole discretion).

-Not contain any content that violates any law or any third party's rights (including privacy, personality and intellectual property rights).

-Not promote, depict or refer to any commercial enterprises other than 3Rivers Federal Credit Union.

-Not contain material that infringes another’s rights, including but not limited to privacy or intellectual property rights.


Subject and Participant Releases

-The Contest Sponsor may disqualify any entry if they determine (in their sole discretion) that the submission does not comply with these eligibility requirements or otherwise with these rules.

-Each entry that meets the criteria above and that is submitted in accordance with The Contest Rules is eligible for inclusion in the final winner selection wherein an automated, electronic system will randomly select ten applicants to receive a scholarship, in the form of a physical check, in the amount of $2,500.

How to Enter

1. Write your essay and save it on your computer.

2. Register your entry on the official contest page:

-Visit  and follow the directions to complete the online application.

-You will be required to provide your application information and copy and paste your essay.

3. Upload the following support documentation (please include name on all documents):

  • Copy of high school or college transcript for the most recent semester showing a cumulative GPA of 3.5 (or equivalent) or higher;
  • Copy of 2020-2021 school registration at an accredited post-secondary institution showing full-time enrollment (typically 12 or more credit hours, but can vary by school). NOTE: If you do not have proof of enrollment yet, please upload a Word document containing the line, “Proof of enrollment forthcoming.” Should you be selected a winner, your award will be held until you can provide proof of enrollment.
  • Recent photograph of yourself;

Application and all supporting documents MUST be submitted digitally. Applications will not be considered complete if documentation is physically mailed, faxed, or hand-delivered.

-No purchase or entry fees are required to enter or be awarded a scholarship as part of The Contest.

-Entrants who meet the conditions as outlined in the sections above are eligible to enter The Contest during The Contest period by visiting, fully completing an online application form – including an essay submission and the following documentation: proof of full-time enrollment in an accredited post-secondary institution, a transcript for the most recent semester showing a cumulative GPA of 3.5 (or equivalent) or higher, and a recent photograph.

-The Contest entry period begins on Monday, June 1, 2020 at 12:00 PM EST (noon), and ends at 12:00 PM EST (noon) on Wednesday, July 1, 2020. Submissions received after 12:00 PM EST on July 1 WILL NOT be eligible.

- You are solely responsible for ensuring that all information is up-to-date and accurate.

- A 3Rivers representative will contact applicants if any required information is missing.

-Only one application per entrant will be accepted. If multiple applications are received from the same entrant, the Contest Sponsor will only take into consideration the first application submitted.


Scholarships to Be Awarded at Close of Contest

  • $25,000 in scholarships will be awarded to ten randomly selected applicants.
  • Each winner will receive $2,500.

A check will be made payable to the post-secondary institution the winner is attending (this will include the winner’s name), and is to be used for tuition-related expenses. We recommend scholarship winners take this check to their university’s bursar office.

NOTE: Some universities may void any existing grants or scholarships they have granted students should students receive scholarship funds from an outside organization. Please check with your university’s financial aid office to confirm whether receiving a scholarship like this one may void any existing financial assistance they have already granted you.

Winner Selection Process

All application forms, supporting documents, and essays will be thoroughly screened to ensure all eligibility requirements (listed in Section II and Section III above) are met by the 3Rivers Scholarship Committee, comprised of 3Rivers Federal Credit Union employees, before being moved forward for inclusion in the final selection process.

Following the application deadline and vetting of each application, all eligible applications will be placed in a winners selection pool wherein winners will be electronically selected at random by an automated computer system.

-The recipients of the scholarships will be announced at the discretion of 3Rivers Federal Credit Union.

-The recipients will be contacted by 3Rivers Federal Credit Union by email and/or telephone on or by Friday, July 10, 2020. Potential recipients who cannot be contacted between 9:00 AM EST on Friday, July 10 and 5:00 PM EST on Friday, July 24, despite customary diligent efforts, will be disqualified and an additional winner will be selected at random to be awarded. The initially selected potential recipient will be disqualified and will have no recourse towards the Contest Sponsor. If a potential scholarship applicant cannot accept the scholarship as awarded for any reason, his or her entry will be forfeited and another eligible entrant may be selected. Any costs associated with accepting the scholarship shall be the sole responsibility of the winner.

In order to be eligible to be awarded the scholarship, each recipient may be required to:

-Sign a Declaration of Compliance with Rules and Regulations and an Assignment, Release and Indemnity Form,

assigning all rights to the essay submission to the Contest Sponsor, including all copyrights and moral rights and releasing The Contest Sponsor, their affiliates, and respective advertising and promotions agencies from any liability in connection with The Contest or the scholarships awarded.

-Produce valid identification and, if requested by The Contest Sponsor, proof of age and photo identification.

If the above requirements are not met, the recipient will be disqualified and another recipient will be selected in their place.



By entering 3Rivers Federal Credit Union Scholarship Contest, you irrevocably and exclusively assign all copyright, without limitation of time, place, medium, support or language, in the essay to The Contest Sponsor and waive all legal and moral rights to the essay in favor of The Contest Sponsor.  Accordingly, you acknowledge that The Contest Sponsor will have the unrestricted and exclusive right to use the essay for any purpose, including but not limited to, publishing it in an electronic form on the 3Rivers Federal Credit Union website for promotional purposes without further compensation. The Contest Sponsor also has the right to (but is not required to) use your name, image, likeness, age, biographical information, and school name in credit along with the essay. You confirm that you are the sole author of the essay and that you own all rights to it and are able to fully assign all rights to The Contest Sponsor as contemplated above. You agree to compensate The Contest Sponsor should any claims arise out of the use of the essay by The Contest Sponsor.


By participating in The Contest, each entrant agrees to be bound by The Contest Rules & Regulations, which will be posted and available at Entrants further agree to be bound by the decisions of The Contest Sponsor, which shall be final and binding in all respects. The Contest Sponsor reserves the right, in their sole discretion, to disqualify any entrant found to be: (a) violating The Contest Rules & Regulations; (b) tampering or attempting to tamper with the entry process or the operation of The Contest; (c) violating the terms of service, conditions of use and/or general rules or guidelines of 3Rivers Federal Credit Union; and/or (d) acting in an unsportsmanlike or disruptive manner, or with intent to annoy, abuse, threaten or harass any other person. Any attempt to deliberately damage any website or interfere with the legitimate operation of The Contest may be a violation of criminal and civil laws, and The Contest Sponsor reserves the right to seek damages and/or other relief from all responsible persons to the fullest extent permitted by law.

Disclaimers, Liability & Indemnification

By participating in The Contest, you release and agree to indemnify and hold harmless The Contest Sponsor and their employees, directors, officers, affiliates, agents, judges and advertising and promotional agencies from any and all damages, injuries, claims, causes of actions, or losses of any kind resulting from your participation in The Contest or receipt or use of any scholarship or prize. By participating in The Contest, you further agree to indemnify and hold harmless The Contest Sponsor and their employees, directors, officers, members, affiliates, agents, judges, and advertising and promotional agencies from any and all damages, injuries, claims, causes of actions or losses of any kind (including actual legal fees and expenses) arising from or related to: (a) your failure to comply with any of these Rules and Regulations, (b) any misrepresentation you make under these Rules and Regulations or otherwise to The Contest Sponsor, or (c) your participation in The Contest. The Contest Sponsor shall have no liability for any loss or damage of any essays entered in The Contest or for any other loss or damage resulting directly or indirectly from your participation in The Contest. The Contest Sponsor is not responsible for: (1) incorrect or inaccurate transcription of entry information or late, lost, incomplete, or misdirected entries, or entries received through impermissible or illegitimate channels; (2) technical failures of any kind, including without limitation the malfunctioning of any telephone, computer, network, hardware, or software; (3) the unavailability or inaccessibility of any service; (4) unauthorized human intervention in any part of the entry process or The Contest; (5) electronic or human error which may occur in the administration of The Contest or the processing of entries; or (6) any injury or damage to persons or property, including without limitation your computer, which may be caused, directly or indirectly, in whole or in part, from your participation in The Contest or from downloading any material. The Contest Sponsor will not be liable to you for any indirect, special, consequential, or punitive damages in connection with The Contest or these Rules and Regulations.


Privacy & Use of Personal Information

By participating in The Contest, applicant entrants (a) grant to The Contest Sponsor the right to use his/her name, mailing address, telephone number, and e-mail address (“Personal Information”) for the purpose of administering The Contest, including but not limited to contacting and announcing the recipients; (b) grant to The Contest Sponsor the right to use his/her Personal Information for publicity and promotional purposes relating to The Contest, in any and all media now known or hereafter devised, without further compensation unless prohibited by law; and (c) acknowledges that The Contest Sponsor may disclose his/her Personal Information to third-party agents and service providers of The Contest Sponsor in connection with any of the activities listed in (a) and (b) above. The Contest Sponsor will use the entrant’s Personal Information only for identified purposes, and protect the entrant’s Personal Information in a manner that is consistent with The Contest Sponsor’s Privacy Policy as outlined at

Intellectual Property

All intellectual property, including but not limited to trademarks, trade names, logos, designs, promotional materials, web pages, source code, drawings, illustrations, slogans, and representations are owned by The Contest Sponsor and/or their affiliates. All rights are reserved. Unauthorized copying or use of any copyrighted material or intellectual property without the express written consent of its owner is strictly prohibited.


If for any reason The Contest Sponsor cannot run The Contest as planned (including as a result of bugs, tampering, unauthorized intervention, fraud, technical failures, infection by computer virus, or any other cause that corrupts, impairs or affects the administration, security, fairness, integrity, or proper conduct of The Contest), The Contest Sponsor reserves the right to cancel, modify, extend or suspend The Contest. In that event, The Contest Sponsor may determine the winner from among the eligible entries received up to the time of the impairment or cancel The Contest. The Contest Sponsor may also disqualify any individual who tampers with or in any way corrupts the entry process or who attempts to undermine the legitimate operation of The Contest by cheating, hacking, deception, or other unfair practices, or by attempting to annoy, abuse, threaten, or harass any other entrants or representatives of The Contest Sponsor. The Contest Sponsor reserves the right to modify or cancel The Contest at any time including, without limitation, in the event of technical corruption, virus, bugs, non-authorized human intervention, or any other technical problems, which may arise from time to time beyond the control of The Contest Sponsor, destroying the integrity of The Contest. No liability or responsibility is assumed by The Contest Sponsor resulting from user attempts to participate in The Contest or, if required, to download any information necessary to participate in The Contest.


These Rules & Regulations constitute the complete rules and regulations associated with The Contest. The Contest is subject to applicable, state and municipal laws and regulations. These Rules and Regulations are subject to change without notice in order to comply with any applicable, provincial, and municipal laws or the policy of any other entity having jurisdiction over The Contest Sponsor. All issues and questions concerning the construction, validity, interpretation and enforceability of the Rules and Regulations or the rights and obligations as between the applicant and The Contest Sponsor in connection with The Contest shall be governed by and construed in accordance with the laws of the state of Indiana.


All disputes, claims, and causes of action arising out of or connected with The Contest or these rules and regulations will be resolved individually, without resort to any form of class action, and exclusively by the appropriate court.

Language Discrepancy

In the event of any discrepancy or inconsistency between the terms and conditions of The Contest rules and regulations and disclosures or other statements contained in any Contest-related materials, including but not limited to The Contest application form, or point of sale, print, or online advertising, the terms and conditions of these rules and regulations shall prevail, govern, and control.



-The decisions of The Contest Sponsor in relation to The Contest will be final and binding.

-The Contest Sponsor reserves the right to disqualify entrants and/or entries that do not comply with these Contest Rules & Regulations.

-Any inquiries or concerns relating to The Contest should be emailed to



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