Personal

Managing your money is more than just paying your bills. Sometimes you’ll have to borrow money when big needs arise. Everyone wants to save money for securing a solid future, but we all have to spend money, too. These solutions will help you take the financial stress out of keeping up with life.

Savings Compare Products

At 3Rivers, you have many savings solutions to choose from. With Money Markets, Pick-Your-Date Savings, Certificates, and more, we’ll help you realize the goal you have in mind.

Bump Rate Certificates

Bump Rate Certificates give you the option of a one-time rate increase during the original term of the certificate. The Bump Rate Certificate also includes an add-on feature which allows for the addition of funds at the time the rate is &ld…

529 Savings Plan

They're Growing Faster Than You Think... Your kids may not exactly be looking into colleges yet, but they’re growing up faster than you think. Before you know it, they’ll be tearing open acceptance letters for their (very e…

Money Market Accounts

Money Market Accounts are for savers who want more return on a savings account with the same easy access.  Open Your Account Today …

Livin’ Free Savings

Livin’ Free Savings is an account for young people who are starting their own personal finances. It aims to help cover you if you overdraw your checking account – AND it will pay you more when you save. It earns a higher rate on…

Pick Your Date (PYD) Savings

With the Pick Your Date (PYD) Savings, we’ll block withdrawals until the date you tell us to make them available. Then you can slowly build the balance all year long and have confidence it will be there when you need it for the h…

Credit Union Buddy (CUB) Account

Welcome, CUBs! Did you know credit unions aren't just for grown ups? That's right, we have accounts that are designed to help you learn about money. Ask your parents to bring you in to open your account, get a free gift, and even l…

Share Certificates

If you want a safe, short-term saving solution, a share certificate will allow you to save your money with a fixed rate over a specific term.  With as little as $500, you can open a share certificate right now.   Ope…

Health Savings Account

A Health Savings Account (HSA) from 3Rivers can help you save or pay for current/future health expenses using tax-free dollars. They are special savings accounts available to 3Rivers members who have High-Deductible Health Plans (HDHP)…

Standard Savings

If you just need a simple savings account (or two or three), we can help you put your money away until you need it. Add in the convenience of Online Access, Mobile Access, and eStatements, and you can easily track your savings on your sched…

Checking Compare Products

Opening a checking account is pretty easy and straightforward. But there are many options and variables to consider. Working with a trusted banking partner like 3Rivers reduces your need for exhausting research and provides the confidence you need to be certain you have the checking account that meets your specific money needs. Click here to reorder checks.

Online Bill Pay

Convenient, easy, and secure. 3Rivers offers an Online Bill Pay system from CheckFree, the largest bill pay service in the country. Use CheckFree to save time and money in sending payments, stay organized, be more secure, receive e-bills, a…

Oversight Advantage

Overdraft Coverage Oversight Advantage is a discretionary service provided to eligible accounts to cover accidental overdrafts. If you inadvertently overdraw your account, we have the discretion to cover your overdrafts up to a set li…

Your 3Rivers Debit Card

Use your Visa Debit Card for your everyday spending needs. It can be attached to any of our checking account solutions, and up to two accounts can be added for access at any of our conveniently located ATMs. It can also be us…

Rhythm Checking

Get rewarded with a checking account that fits your lifestyle. Choose an attractive monthly dividend or, if you are into buying digital downloads, earn credits for iTunes or Amazon.com!  Your Rhythm Checking Rewards: When you …

Livin’ Free Spending

Go anywhere and enjoy easy spending with a solution that helps you avoid fees, has no minimum balance requirements, and lets you access tens of thousands of no-surcharge fee ATMs nationwide. Open Your Account Today   Need to Reor…

Reward Checking

Do you keep a good chunk of change in your account on a regular basis and want to earn dividends? Of course, who doesn't want rewarded? All the flexibility of a checking account with rates normally reserved for Money Market accounts. …

Onward Checking

Difficulties in past money matters? Here’s your way to move Onward with a no-hassle, no-monthly minimum balance account. It includes a free debit card that’s accepted at tens of thousands of no-surcharge fee ATMs nationwide. …

Standard Checking

If you need a basic checking account to avoid carrying cash everywhere, this account will give you the security of writing checks and you can add a VISA Check Card for even more spending power. You can also add the convenience of online ba…

Health Savings Account

A Health Savings Account (HSA) from 3Rivers can help you save or pay for current/future health expenses using tax-free dollars. They are special savings accounts available to 3Rivers members who have High-Deductible Health Plans (HDHP)…

Loans Compare Products

Not every loan is for something big. Sometimes you just need a small loan to cover short-term expenses or to consolidate debt so you can pay it off more quickly.

Skip-a-Payment

Unexpected bill? Vacation? Holiday expenses?  3Rivers is here to help you free up some needed cash this month by processing a skip-a-payment on your eligible loan. To participate, just complete and return the Skip-a-Payment form o…

Credit Cards

As a 3Rivers credit cardholder, you’ll also get a competitive rate and a chance to earn rewards, like gift cards to your favorite stores, merchandise, cash or airline tickets, and hotel stays. For more information, visit the UChoose R…

College Funding

Watching your little one getting ready for college is tough. Okay, maybe he or she isn’t so little anymore. Neither are the bills you’ll be paying for his or her college education. Even if you’re receiving f…

Personal Loans

Not every loan is for something big like a car or a house.  Sometimes you just need a small loan to cover a smaller purchase or to consolidate some small debt and pay it off more quickly.   A personal loan from 3Rivers not only o…

Home Equity

Calling all DIYers. If you’re thinking about starting a major project at home, you may be more focused on the materials you need and the work it’s going to take than on how you’re going to pay for it. Talk to us about how …

Home Mortgages

Whether you’re looking to build, buy, or refinance your first home, your dream house, or a vacation home, or if you're just looking to make your payments a little easier on your wallet, we have mortgage solutions to make your goal…

Motorcycle, Boat, & Camper Loans

The dream is within reach! You’re thinking about buying that new motorcycle, boat, or camper, and you can practically see yourself cruising around on the open road or riding the waves. You've worked hard to make this hap…

Automobile Loans

3Rivers provides affordable loans for both new and used cars as well as refinancing of loans you might have at other lending institutions. No application fees or early payoff penalties. Apply Today Apply Today   Introducing TR…

Mortgages Compare Products

Whether looking for a new home or to refinance your current house, 3Rivers help in customizing the mortgage financing you need.

Home Mortgages

Whether you’re looking to build, buy, or refinance your first home, your dream house, or a vacation home, or if you're just looking to make your payments a little easier on your wallet, we have mortgage solutions to make your goal…

Credit Compare Products

It’s easy to see why cardholders use their 3Rivers credit cards more than the others in their wallets. Get a competitive rate, a chance to earn rewards, and so much more.

Credit Cards

As a 3Rivers credit cardholder, you’ll also get a competitive rate and a chance to earn rewards, like gift cards to your favorite stores, merchandise, cash or airline tickets, and hotel stays. For more information, visit the UChoose R…

Investments & Trusts

3Rivers is dedicated to sound financial planning with our members. With specialized products and services for every stage of life, our experienced team of advisors brings your big picture into focus. We believe in working with you to analyze your current financial condition, help you set goals, and create an understandable plan to best address your needs.

*Non-deposit investment products and services are offered through CUSO Financial Services, L.P. (“CFS”), a registered broker-dealer (Member FINRA/SIPC) and SEC Registered Investment Advisor.  Products offered through CFS: are not NCUA/NCUSIF or otherwise federally insured, are not guarantees or obligations of the credit union, and may involve investment risk including possible loss of principal. Investment Representatives are registered through CFS. The credit union has contracted with CFS to make non-deposit investment products and services available to credit union members. ClearFuture Financial is a trade name for the investment & insurance products available at 3Rivers Federal Credit Union.

Estate Planning

Estate planning is an important part of your personal financial plan, no matter what your level of income. From preparing a will to establishing trusts, with the assistance of ClearFuture Financial available through CFS at 3Rivers, we can h…

Investments (available through CFS*)

Regardless of your life stage or personal situation, we are here to help you plan for the present and your future. We're happy to guide you through investment options so you can make your money work harder, letting you put your focus an…

Trusts

With a trust, you can achieve personal, financial and legal goals, like saving on estate taxes, minimizing probate, avoiding court appointed guardianship, providing asset management, and making sure your personal wishes done after your pass…

Insurance

TruStage™ AD&D Insurance

$1000 of TruStage™ Accidental Death and Dismemberment Insurance Coverage Is Yours. One of the nice benefits of credit union membership is a no-cost TruStage Accidental Death and Dismemberment (AD&D) insurance policy from CMFG Lif…

Insurance for Loans

Life can sometimes be accompanied by the unexpected. Secure some peace of mind by knowing your investments are covered. The products described below are designed to protect you and your good credit in case the unthinkable happens. …

TruStage™ Auto & Home Insurance

TruStage™ Auto & Home Insurance Program You trust your credit union to offer products and services to help you do more with what you have. That's why we've joined with a dedicated team of insurance professionals to bring …

TruStage™ Life Insurance Plans

TruStage™ Life Insurance Plans Exclusively for credit union members, we offer TruStage Life Insurance Policies to help you protect the people who matter most in your life. With many different options in whole and term life policies, …