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Rate & Fee Disclosure

Truth In Savings Disclosure (PDF)

Student Loans

Last updated: 6/18/2022
Type Term Loan Amount Rate APR
Undergraduate Private Student Loan - Variable $1,000 - $60,000
as low as 2.49%(1)(2)
Undergraduate Private Student Loan - Fixed $1,000 - $40,000 as low as 3.99%
Graduate Private Student Loan - Variable $1,000 - $60,000
as low as 4.99%(1)(2)
Student Loan Refinance (Federal & Private) 12 - 60 months Minimum $5,000(3) as low as 4.24% 4.65%(4)
Student Loan Refinance (Federal & Private) 61 - 120 months Minimum $10,000(3) as low as 4.74% 4.85%(4)
Student Loan Refinance (Federal & Private) 121 - 180 months Minimum $15,000(3) as low as 5.24% 5.29%(4)

Apply for New Loan   Refi Existing Loan

(1) The Annual Percentage Rate is subject to change after consummation. Your interest rate is variable and may be adjusted quarterly on each January 1, April 1, July 1 and October 1 (Adjustment Date) based on the Prime index as published in the Wall Street Journal on the first business day of the month immediately prior to the Adjustment Date (e.g., December, March, June and September). Any increase in the index may increase the APR and the amount of your monthly payment.

(2) (2) The "Index" for the quarter beginning April 1st, 2022, is 3.50%, which was the Prime index published in the Wall Street Journal on the first business day of April 2022. Current offered rate(s) are calculated by using the Index, Margin and Floor value(s) in effect. Your specific Interest Rate and/or credit approval depends upon the credit qualifications of the student borrower and co-borrower (if applicable). The APR will not exceed 18.00%, or fall below the Floor rate (currently 4.99%) regardless of the Index. Margin will be disclosed at account opening.

Student Choice applications are submitted via our website at: http://3riversfcu.studentchoice.org

(3) Total loan amount considered will be subject to a $100,000 unsecured aggregate limit (excludes credit cards). 

(4) APR shown is calculated using the 'as low as' rate, the maximum term, the minimum amount, and a $50 loan processing fee. Your rate is fixed at the time of loan origination and will be determined based on your Loan Term & FICO score/data obtained from your credit file. No Early Payoff Penalties.

Membership required, to learn more visit www.3riversfcu.org/join

Student Loans

Last updated: 6/18/2022
Type Term Loan Amount Rate APR
Undergraduate Private Student Loan - Variable $1,000 - $60,000
as low as 2.49%(1)(2)
Undergraduate Private Student Loan - Fixed $1,000 - $40,000 as low as 3.99%
Graduate Private Student Loan - Variable $1,000 - $60,000
as low as 4.99%(1)(2)
Student Loan Refinance (Federal & Private) 12 - 60 months Minimum $5,000(3) as low as 4.24% 4.65%(4)
Student Loan Refinance (Federal & Private) 61 - 120 months Minimum $10,000(3) as low as 4.74% 4.85%(4)
Student Loan Refinance (Federal & Private) 121 - 180 months Minimum $15,000(3) as low as 5.24% 5.29%(4)

Apply for New Loan   Refi Existing Loan

(1) The Annual Percentage Rate is subject to change after consummation. Your interest rate is variable and may be adjusted quarterly on each January 1, April 1, July 1 and October 1 (Adjustment Date) based on the Prime index as published in the Wall Street Journal on the first business day of the month immediately prior to the Adjustment Date (e.g., December, March, June and September). Any increase in the index may increase the APR and the amount of your monthly payment.

(2) (2) The "Index" for the quarter beginning April 1st, 2022, is 3.50%, which was the Prime index published in the Wall Street Journal on the first business day of April 2022. Current offered rate(s) are calculated by using the Index, Margin and Floor value(s) in effect. Your specific Interest Rate and/or credit approval depends upon the credit qualifications of the student borrower and co-borrower (if applicable). The APR will not exceed 18.00%, or fall below the Floor rate (currently 4.99%) regardless of the Index. Margin will be disclosed at account opening.

Student Choice applications are submitted via our website at: http://3riversfcu.studentchoice.org

(3) Total loan amount considered will be subject to a $100,000 unsecured aggregate limit (excludes credit cards). 

(4) APR shown is calculated using the 'as low as' rate, the maximum term, the minimum amount, and a $50 loan processing fee. Your rate is fixed at the time of loan origination and will be determined based on your Loan Term & FICO score/data obtained from your credit file. No Early Payoff Penalties.

Membership required, to learn more visit www.3riversfcu.org/join

Student Loans

Last updated: 6/18/2022
Type Term Loan Amount Rate APR
Undergraduate Private Student Loan - Variable $1,000 - $60,000
as low as 2.49%(1)(2)
Undergraduate Private Student Loan - Fixed $1,000 - $40,000 as low as 3.99%
Graduate Private Student Loan - Variable $1,000 - $60,000
as low as 4.99%(1)(2)
Student Loan Refinance (Federal & Private) 12 - 60 months Minimum $5,000(3) as low as 4.24% 4.65%(4)
Student Loan Refinance (Federal & Private) 61 - 120 months Minimum $10,000(3) as low as 4.74% 4.85%(4)
Student Loan Refinance (Federal & Private) 121 - 180 months Minimum $15,000(3) as low as 5.24% 5.29%(4)

Apply for New Loan   Refi Existing Loan

(1) The Annual Percentage Rate is subject to change after consummation. Your interest rate is variable and may be adjusted quarterly on each January 1, April 1, July 1 and October 1 (Adjustment Date) based on the Prime index as published in the Wall Street Journal on the first business day of the month immediately prior to the Adjustment Date (e.g., December, March, June and September). Any increase in the index may increase the APR and the amount of your monthly payment.

(2) (2) The "Index" for the quarter beginning April 1st, 2022, is 3.50%, which was the Prime index published in the Wall Street Journal on the first business day of April 2022. Current offered rate(s) are calculated by using the Index, Margin and Floor value(s) in effect. Your specific Interest Rate and/or credit approval depends upon the credit qualifications of the student borrower and co-borrower (if applicable). The APR will not exceed 18.00%, or fall below the Floor rate (currently 4.99%) regardless of the Index. Margin will be disclosed at account opening.

Student Choice applications are submitted via our website at: http://3riversfcu.studentchoice.org

(3) Total loan amount considered will be subject to a $100,000 unsecured aggregate limit (excludes credit cards). 

(4) APR shown is calculated using the 'as low as' rate, the maximum term, the minimum amount, and a $50 loan processing fee. Your rate is fixed at the time of loan origination and will be determined based on your Loan Term & FICO score/data obtained from your credit file. No Early Payoff Penalties.

Membership required, to learn more visit www.3riversfcu.org/join

Student Loans

Last updated: 6/18/2022
Type Term Loan Amount Rate APR
Undergraduate Private Student Loan - Variable $1,000 - $60,000
as low as 2.49%(1)(2)
Undergraduate Private Student Loan - Fixed $1,000 - $40,000 as low as 3.99%
Graduate Private Student Loan - Variable $1,000 - $60,000
as low as 4.99%(1)(2)
Student Loan Refinance (Federal & Private) 12 - 60 months Minimum $5,000(3) as low as 4.24% 4.65%(4)
Student Loan Refinance (Federal & Private) 61 - 120 months Minimum $10,000(3) as low as 4.74% 4.85%(4)
Student Loan Refinance (Federal & Private) 121 - 180 months Minimum $15,000(3) as low as 5.24% 5.29%(4)

Apply for New Loan   Refi Existing Loan

(1) The Annual Percentage Rate is subject to change after consummation. Your interest rate is variable and may be adjusted quarterly on each January 1, April 1, July 1 and October 1 (Adjustment Date) based on the Prime index as published in the Wall Street Journal on the first business day of the month immediately prior to the Adjustment Date (e.g., December, March, June and September). Any increase in the index may increase the APR and the amount of your monthly payment.

(2) (2) The "Index" for the quarter beginning April 1st, 2022, is 3.50%, which was the Prime index published in the Wall Street Journal on the first business day of April 2022. Current offered rate(s) are calculated by using the Index, Margin and Floor value(s) in effect. Your specific Interest Rate and/or credit approval depends upon the credit qualifications of the student borrower and co-borrower (if applicable). The APR will not exceed 18.00%, or fall below the Floor rate (currently 4.99%) regardless of the Index. Margin will be disclosed at account opening.

Student Choice applications are submitted via our website at: http://3riversfcu.studentchoice.org

(3) Total loan amount considered will be subject to a $100,000 unsecured aggregate limit (excludes credit cards). 

(4) APR shown is calculated using the 'as low as' rate, the maximum term, the minimum amount, and a $50 loan processing fee. Your rate is fixed at the time of loan origination and will be determined based on your Loan Term & FICO score/data obtained from your credit file. No Early Payoff Penalties.

Membership required, to learn more visit www.3riversfcu.org/join

Student Loans

Last updated: 6/18/2022
Type Term Loan Amount Rate APR
Undergraduate Private Student Loan - Variable $1,000 - $60,000
as low as 2.49%(1)(2)
Undergraduate Private Student Loan - Fixed $1,000 - $40,000 as low as 3.99%
Graduate Private Student Loan - Variable $1,000 - $60,000
as low as 4.99%(1)(2)
Student Loan Refinance (Federal & Private) 12 - 60 months Minimum $5,000(3) as low as 4.24% 4.65%(4)
Student Loan Refinance (Federal & Private) 61 - 120 months Minimum $10,000(3) as low as 4.74% 4.85%(4)
Student Loan Refinance (Federal & Private) 121 - 180 months Minimum $15,000(3) as low as 5.24% 5.29%(4)

Apply for New Loan   Refi Existing Loan

(1) The Annual Percentage Rate is subject to change after consummation. Your interest rate is variable and may be adjusted quarterly on each January 1, April 1, July 1 and October 1 (Adjustment Date) based on the Prime index as published in the Wall Street Journal on the first business day of the month immediately prior to the Adjustment Date (e.g., December, March, June and September). Any increase in the index may increase the APR and the amount of your monthly payment.

(2) (2) The "Index" for the quarter beginning April 1st, 2022, is 3.50%, which was the Prime index published in the Wall Street Journal on the first business day of April 2022. Current offered rate(s) are calculated by using the Index, Margin and Floor value(s) in effect. Your specific Interest Rate and/or credit approval depends upon the credit qualifications of the student borrower and co-borrower (if applicable). The APR will not exceed 18.00%, or fall below the Floor rate (currently 4.99%) regardless of the Index. Margin will be disclosed at account opening.

Student Choice applications are submitted via our website at: http://3riversfcu.studentchoice.org

(3) Total loan amount considered will be subject to a $100,000 unsecured aggregate limit (excludes credit cards). 

(4) APR shown is calculated using the 'as low as' rate, the maximum term, the minimum amount, and a $50 loan processing fee. Your rate is fixed at the time of loan origination and will be determined based on your Loan Term & FICO score/data obtained from your credit file. No Early Payoff Penalties.

Membership required, to learn more visit www.3riversfcu.org/join

Student Loans

Last updated: 6/18/2022
Type Term Loan Amount Rate APR
Undergraduate Private Student Loan - Variable $1,000 - $60,000
as low as 2.49%(1)(2)
Undergraduate Private Student Loan - Fixed $1,000 - $40,000 as low as 3.99%
Graduate Private Student Loan - Variable $1,000 - $60,000
as low as 4.99%(1)(2)
Student Loan Refinance (Federal & Private) 12 - 60 months Minimum $5,000(3) as low as 4.24% 4.65%(4)
Student Loan Refinance (Federal & Private) 61 - 120 months Minimum $10,000(3) as low as 4.74% 4.85%(4)
Student Loan Refinance (Federal & Private) 121 - 180 months Minimum $15,000(3) as low as 5.24% 5.29%(4)

Apply for New Loan   Refi Existing Loan

(1) The Annual Percentage Rate is subject to change after consummation. Your interest rate is variable and may be adjusted quarterly on each January 1, April 1, July 1 and October 1 (Adjustment Date) based on the Prime index as published in the Wall Street Journal on the first business day of the month immediately prior to the Adjustment Date (e.g., December, March, June and September). Any increase in the index may increase the APR and the amount of your monthly payment.

(2) (2) The "Index" for the quarter beginning April 1st, 2022, is 3.50%, which was the Prime index published in the Wall Street Journal on the first business day of April 2022. Current offered rate(s) are calculated by using the Index, Margin and Floor value(s) in effect. Your specific Interest Rate and/or credit approval depends upon the credit qualifications of the student borrower and co-borrower (if applicable). The APR will not exceed 18.00%, or fall below the Floor rate (currently 4.99%) regardless of the Index. Margin will be disclosed at account opening.

Student Choice applications are submitted via our website at: http://3riversfcu.studentchoice.org

(3) Total loan amount considered will be subject to a $100,000 unsecured aggregate limit (excludes credit cards). 

(4) APR shown is calculated using the 'as low as' rate, the maximum term, the minimum amount, and a $50 loan processing fee. Your rate is fixed at the time of loan origination and will be determined based on your Loan Term & FICO score/data obtained from your credit file. No Early Payoff Penalties.

Membership required, to learn more visit www.3riversfcu.org/join

Student Loans

Last updated: 6/18/2022
Type Term Loan Amount Rate APR
Undergraduate Private Student Loan - Variable $1,000 - $60,000
as low as 2.49%(1)(2)
Undergraduate Private Student Loan - Fixed $1,000 - $40,000 as low as 3.99%
Graduate Private Student Loan - Variable $1,000 - $60,000
as low as 4.99%(1)(2)
Student Loan Refinance (Federal & Private) 12 - 60 months Minimum $5,000(3) as low as 4.24% 4.65%(4)
Student Loan Refinance (Federal & Private) 61 - 120 months Minimum $10,000(3) as low as 4.74% 4.85%(4)
Student Loan Refinance (Federal & Private) 121 - 180 months Minimum $15,000(3) as low as 5.24% 5.29%(4)

Apply for New Loan   Refi Existing Loan

(1) The Annual Percentage Rate is subject to change after consummation. Your interest rate is variable and may be adjusted quarterly on each January 1, April 1, July 1 and October 1 (Adjustment Date) based on the Prime index as published in the Wall Street Journal on the first business day of the month immediately prior to the Adjustment Date (e.g., December, March, June and September). Any increase in the index may increase the APR and the amount of your monthly payment.

(2) (2) The "Index" for the quarter beginning April 1st, 2022, is 3.50%, which was the Prime index published in the Wall Street Journal on the first business day of April 2022. Current offered rate(s) are calculated by using the Index, Margin and Floor value(s) in effect. Your specific Interest Rate and/or credit approval depends upon the credit qualifications of the student borrower and co-borrower (if applicable). The APR will not exceed 18.00%, or fall below the Floor rate (currently 4.99%) regardless of the Index. Margin will be disclosed at account opening.

Student Choice applications are submitted via our website at: http://3riversfcu.studentchoice.org

(3) Total loan amount considered will be subject to a $100,000 unsecured aggregate limit (excludes credit cards). 

(4) APR shown is calculated using the 'as low as' rate, the maximum term, the minimum amount, and a $50 loan processing fee. Your rate is fixed at the time of loan origination and will be determined based on your Loan Term & FICO score/data obtained from your credit file. No Early Payoff Penalties.

Membership required, to learn more visit www.3riversfcu.org/join

Student Loans

Last updated: 6/18/2022
Type Term Loan Amount Rate APR
Undergraduate Private Student Loan - Variable $1,000 - $60,000
as low as 2.49%(1)(2)
Undergraduate Private Student Loan - Fixed $1,000 - $40,000 as low as 3.99%
Graduate Private Student Loan - Variable $1,000 - $60,000
as low as 4.99%(1)(2)
Student Loan Refinance (Federal & Private) 12 - 60 months Minimum $5,000(3) as low as 4.24% 4.65%(4)
Student Loan Refinance (Federal & Private) 61 - 120 months Minimum $10,000(3) as low as 4.74% 4.85%(4)
Student Loan Refinance (Federal & Private) 121 - 180 months Minimum $15,000(3) as low as 5.24% 5.29%(4)

Apply for New Loan   Refi Existing Loan

(1) The Annual Percentage Rate is subject to change after consummation. Your interest rate is variable and may be adjusted quarterly on each January 1, April 1, July 1 and October 1 (Adjustment Date) based on the Prime index as published in the Wall Street Journal on the first business day of the month immediately prior to the Adjustment Date (e.g., December, March, June and September). Any increase in the index may increase the APR and the amount of your monthly payment.

(2) (2) The "Index" for the quarter beginning April 1st, 2022, is 3.50%, which was the Prime index published in the Wall Street Journal on the first business day of April 2022. Current offered rate(s) are calculated by using the Index, Margin and Floor value(s) in effect. Your specific Interest Rate and/or credit approval depends upon the credit qualifications of the student borrower and co-borrower (if applicable). The APR will not exceed 18.00%, or fall below the Floor rate (currently 4.99%) regardless of the Index. Margin will be disclosed at account opening.

Student Choice applications are submitted via our website at: http://3riversfcu.studentchoice.org

(3) Total loan amount considered will be subject to a $100,000 unsecured aggregate limit (excludes credit cards). 

(4) APR shown is calculated using the 'as low as' rate, the maximum term, the minimum amount, and a $50 loan processing fee. Your rate is fixed at the time of loan origination and will be determined based on your Loan Term & FICO score/data obtained from your credit file. No Early Payoff Penalties.

Membership required, to learn more visit www.3riversfcu.org/join

* Individuals under age 18 are exempt from these fees.

** Fee applies when overdraft is created by check, in-person withdrawal, or other electronic means.

***Fee applies when overdraft is created during an ATM or one-time debit transaction. Affirmative consent (opt-in) is required.

**** A Non 3Rivers transaction is considered an inquiry, transfer, deposit or withdrawal on any non-3Rivers owned ATM.  This fee does not apply to transactions on Rhythm (Epic) or Livin' Free Checking Accounts.

***** A Point-of-Sale (POS) transaction can mean a retail shop, a checkout counter in a shop, or the location where a transaction occurs. More specifically, the point-of-sale often refers to the hardware and software used for checkouts – the equivalent of an electronic cash register.

****** No activity on account for 12 months. An account with $1,000 in assets or holder is under the age of 18 is exempt from this fee.

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