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 Rewards site.

Managing Your Credit Card

If you’ve talked to anyone about the best way to protect your credit, you’ve probably heard, “Credit cards are bad!” Actually, credit cards are only bad when they’re not used effectively. We want to help explain how you can get the most out of your 3Rivers Credit Card.

The Truth about Minimum Payments

When you open your MasterCard Platinum Credit Card statement and you see the dollar amount next to “Minimum Payment Due,” it’s easy to assume that you don’t really need to pay more than that amount.  Well, it’s true that we won’t ask you to pay more than 1.5% of your balance. But since we want to encourage healthy financial habits for our members, here’s a little secret that other card companies may not tell you.

You can pay more than the minimum.

It’s true! You can pay as much as you want. In fact, if you’re able, you can pay the entire balance of your credit card each month. Here’s the other part of the secret that those other companies aren’t talking about: If you pay off your balance each month, you’ll never pay any interest! Crazy, huh?

Here's an example of how paying more each month will save you in the long run:

Credit Card Balance = $5,000

Annual Percentage Rate = 10.95%

Payment Per Month How Long To Pay Off? Total Interest Paid
$75 8 yrs, 7 months $2,740
$150 3 yrs, 3 months $989
$500 11 months $267

So you may wonder why we don’t force you to pay the whole balance if it’s the best way to pay. We know that it’s not always possible to pay the entire balance, so we want to give you a flexible way to pay your bill each month. For that reason, we’ll let you pay as little as 1.5% of your balance as your minimum payment. But remember that your best bet will always be to pay more than the minimum each month. That’s how you can eliminate debt quicker and pay less interest over the life of your credit card.

Having difficulties accessing your 3Rivers MasterCard Platinum account? Or having trouble with your card?
Please call 1-844-334-3874. Support is available 24/7.

Rates & Terms

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  • MasterCard Platinum Credit Card
  • 7-01-2015

Perk

Description

Annual Percentage Rate1

As low as 10.95% 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

3%

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

1Annual Percentage Rate based on credit worthiness at the time you open the account.
 

Downloads

  • Credit Card Balance Transfer Form

  • Credit Card Disclosure