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Money Matters Blog


  • Is an Adjustable-Rate Mortgage (ARM) Right for You?

    May 12, 2022
    In an uncertain mortgage environment, you may be wondering what the best home loan option is for putting you in the best financial position now and in the future. And while no one can predict what will happen years from now, an Adjustable-Rate Mortgage (ARM) may be a great option for some borrowers who are looking to purchase a home when rates are trending higher than they have in the past several years.
Financial Basics



  • Creating a Financial Stategy for the Holiday Season

    A study published by Healthline in 2015 showed 53% of millennials considered money to be the leading cause of stress during the holidays. Last year, another study found that 45% of Americans would prefer if Christmas didn’t come due to financial strain. If you are worried about money this holiday season, read on for some tips and tricks to help you stretch your dollars, and don’t hesitate to ask for help in creating a plan! Our excellent branch staff is equipped to help you with your money matters – during the holiday season and all year long....




  • How-Tuesday: How to Create Strong + Secure Passwords Online

    Today, more than ever before, it's crucial that we take the time to create strong and secure passwords to ensure our online accounts are better protected from online hackers and security breaches. Here are a few tips to keep in mind when creating great passwords and keeping them safe....

  • Watch-it-Wednesday: North American Free Trade Agreement (NAFTA) Explained

    If you've been following this year's campaign trail, then you've likely heard NAFTA brought up in various discussions. Struggling to recall what you learned in your US and World History courses about how the North American Free Trade Agreement works, and what it means for economic growth, the wealth of the countries involved, and more?...


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Your Money




  • 14 Ways to Save Money by Going Green

    Going green pays off in several ways. It reduces our carbon footprint and helps out the environment. It can benefit our health. And as an added bonus, it can save us some major money!...

  • Free Tax Resources Via the IRS Website

    If you’ve ever had tax questions or have been referred to a tax preparer (or your TurboTax Assistant), there’s another way you may be able to get your tax-related questions answered free of charge: the Interactive Tax Assistant (ITA) tool, provided by the IRS!...

  • How Your Money is Insured at 3Rivers

    Image showing several bundles of hundred dollar bills. In short, the National Credit Union Administration (NCUA) and the Federal Deposit Insurance Corporation (FDIC) are two agencies of the United States federal government that provide nearly identical deposit insurance to credit union members and bank customers. You can learn more about the two agencies at this link....

  • Your Financial Peace of Mind in Trying Times

    Our team at 3Rivers wants you to be able to focus on what matters most in trying times like these – your well-being and peace of mind. We strive to go above and beyond by listening to your concerns, helping you to come up with a plan, walking you through your options, and offering the support and encouragement you need to realize that everything will be okay....

  • Start Saving for Your Child’s College Education Now with a 529 Plan!

    You might not have college on the brain if your child is only a few months or years old, but it's never too early to start thinking about the cost of their higher education. Start saving now and you'll lessen the financial stress and last-minute scrambling that could come when your son or daughter excitedly rips open an acceptance letter to their (very expensive) school of choice....

  • 10 Tips for a Successful Staycation

    Staycations are gaining in popularity and for good reason. You can avoid fuel, airfare, and hotel costs, and have an opportunity to really explore and learn about the area in which you live, finally finish some of those personal projects you've been meaning to work on, and still have the power to cut ties with work and other obligations for the week in order to feel completely refreshed when it's time to clock back in....

  • Qualifying for Public Service Loan Forgiveness

    The Public Service Loan Forgiveness (PSLF) program is designed to help these employees achieve financial freedom from student loans. PSLF offers relief by forgiving federal student loans after 10 years of qualifying payments. This is a huge opportunity to many borrowers!...

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New & Noteworthy


  • What to Know About the Latest Round of Stimulus Payments

    The first round of the latest stimulus payments were sent on March 12, 2021, and are now displaying as a pending direct deposit in many Americans’ bank accounts. At this time, it appears that most of the pending funds are set to be cleared by the US Department of Treasury and officially be made available on Wednesday, March 17. Please note that financial institutions are unable to post those funds until the date set by the Treasury....

  • Recent Changes to the Paycheck Protection Program (June 2020)

    As of June 5, 2020 the H.R. 7010, Paycheck Protection Program Flexibility Act of 2020 was signed into law. This act provides several favorable changes to the current Paycheck Protection Program, allowing small businesses to fully use their loan proceeds for qualified payroll and non-payroll costs, and to apply for loan forgiveness....


  • Our Website Got a Fresh New Look!

    As you've probably noticed, we've been working hard over the past year to redesign our website to better suit our members’ needs and it's gotten a fresh new look!...


  • Get a Weekly Credit Report Check for Free!

    In the wake of COVID-19 and the resulting financial impact (as well as heightened fraud attempts) across the globe, keeping a close eye on your credit report is more important than ever. In an effort to help you stay informed and safe, the three major credit bureaus (Equifax, Experian, and TransUnion) have agreed to offer FREE weekly report checks at AnnualCreditReport.com through April 2021!...



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3Rivers Solutions




  • 3Rivers Business Members Can Save Time & Money with Remote Deposit Capture

    Remote Deposit Capture allows our business members to complete their deposits from the comfort of their home or office, saving them valuable time by not having to make multiple trips to a branch each week. Through a desktop scanner and state-of-the-art software, our businesses are not only able to deposit funds quickly, but also have access to some phenomenal reporting functions and tracking....

  • Our Website Got a Fresh New Look!

    As you've probably noticed, we've been working hard over the past year to redesign our website to better suit our members’ needs and it's gotten a fresh new look!...

  • How Your Money is Insured at 3Rivers

    Image showing several bundles of hundred dollar bills. In short, the National Credit Union Administration (NCUA) and the Federal Deposit Insurance Corporation (FDIC) are two agencies of the United States federal government that provide nearly identical deposit insurance to credit union members and bank customers. You can learn more about the two agencies at this link....

  • Your Financial Peace of Mind in Trying Times

    Our team at 3Rivers wants you to be able to focus on what matters most in trying times like these – your well-being and peace of mind. We strive to go above and beyond by listening to your concerns, helping you to come up with a plan, walking you through your options, and offering the support and encouragement you need to realize that everything will be okay....

  • Your Banking & Safety Options Amid Growing COVID-19 Concerns

    The safety and wellness of our employees, our members, and the community is a top priority for 3Rivers. In the wake of COVID-19 (coronavirus) concerns – in our nation and around the world – we understand the need to have plans and options in place to keep our team members and those conducting business with us as protected as possible....

  • We've Updated Our ATMs!

    We're excited to announce that we've recently updated our entire fleet of 3Rivers ATMs! Our updated machines feature enhanced security and the ability to make cash and check deposits, too....

View more 3Rivers Solution Articles

Student Tips

  • 3 Common FAFSA Myths, Debunked!

    As the April 15 deadline for filing the Free Application for Federal Student Aid (FAFSA) approaches, we want to share three more common misconceptions about the FAFSA....





  • Making Sense of Federal, Private & Parent PLUS Student Loans

    As you prepare for college, it’s important to understand the different types of student loans available to you. According to Forbes, student loan debt has now reached 1.56 trillion dollars and graduates from the class of 2018 have, on average, around $29,200 in student loan debt. So, understanding the loans you (or your child) may be taking on in order to pay for higher education—and knowing the pros and cons of each—is more crucial than ever....

  • 3 Common FAFSA Myths, Busted!

    As high school years start coming to an end, getting ready for college can be an overwhelming process for both students and parents. One of the most common and biggest stressors is filing the Free Application for Federal Student Aid (FAFSA). There tend to be quite a few falsehoods floating around about the program—so, let’s do a little myth-busting!...


  • A Parent's Guide to Student Loan Options, Co-Signing & Having Conversations About Paying the Bills

    As the cost of college continues to rise, students are having to look for more avenues to help pay for school. Throughout this process, they’ll be turning to their parents and guardians for guidance in helping them make the smartest decisions when it comes to borrowing money—and paying off those debts later. It’s crucial that parents and guardians have a clear vision of the level of involvement they’ll have in helping their children take out and pay off loans before having these discussions....

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