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 Rate & Fee Disclosure 

Truth In Savings Disclosure (PDF)

Personal Loans

Last updated: 8/1/2025
Unsecured Loans Term Rate (As Low As) APR1 Apply
Unsecured Lines of Credit 13.77% 13.77 - 18%
Unsecured Term Loan 12 - 48 months,
$5,000* min loan amount
13.27% 14.34 - 18%
Unsecured Term Loan 49 - 60 months,
$5,000 min loan amount
13.77% 14.65 - 18%
Unsecured Term Loan 61 - 72 months,
$10,000 min loan amount
14.77% 15.15 - 18%

1APR=Annual Percentage Rate. All rates advertised are based upon borrowers’ qualifications and will depend on the minimum loan amount and the maximum term listed, and account for a loan processing fee of $99. Your APR will vary depending on your loan amount, interest rate & loan term. Personal loan rates will range from 13.27%-18%.

*Minimum loan amount of $5,000; minimum term is 12 months.

Assume you will borrow $12,000 with $99 loan processing fee; the loan amount will be $12,099. The calculated APR on a 48 month loan with an interest rate of 13.27% would be 13.71%. Please use our Loan Payment Calculator for additional scenarios relevant to your unique needs.

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

Personal Loans

Last updated: 8/1/2025
Unsecured Loans Term Rate (As Low As) APR1 Apply
Unsecured Lines of Credit 13.77% 13.77 - 18%
Unsecured Term Loan 12 - 48 months,
$5,000* min loan amount
13.27% 14.34 - 18%
Unsecured Term Loan 49 - 60 months,
$5,000 min loan amount
13.77% 14.65 - 18%
Unsecured Term Loan 61 - 72 months,
$10,000 min loan amount
14.77% 15.15 - 18%

1APR=Annual Percentage Rate. All rates advertised are based upon borrowers’ qualifications and will depend on the minimum loan amount and the maximum term listed, and account for a loan processing fee of $99. Your APR will vary depending on your loan amount, interest rate & loan term. Personal loan rates will range from 13.27%-18%.

*Minimum loan amount of $5,000; minimum term is 12 months.

Assume you will borrow $12,000 with $99 loan processing fee; the loan amount will be $12,099. The calculated APR on a 48 month loan with an interest rate of 13.27% would be 13.71%. Please use our Loan Payment Calculator for additional scenarios relevant to your unique needs.

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

Personal Loans

Last updated: 8/1/2025
Unsecured Loans Term Rate (As Low As) APR1 Apply
Unsecured Lines of Credit 13.77% 13.77 - 18%
Unsecured Term Loan 12 - 48 months,
$5,000* min loan amount
13.27% 14.34 - 18%
Unsecured Term Loan 49 - 60 months,
$5,000 min loan amount
13.77% 14.65 - 18%
Unsecured Term Loan 61 - 72 months,
$10,000 min loan amount
14.77% 15.15 - 18%

1APR=Annual Percentage Rate. All rates advertised are based upon borrowers’ qualifications and will depend on the minimum loan amount and the maximum term listed, and account for a loan processing fee of $99. Your APR will vary depending on your loan amount, interest rate & loan term. Personal loan rates will range from 13.27%-18%.

*Minimum loan amount of $5,000; minimum term is 12 months.

Assume you will borrow $12,000 with $99 loan processing fee; the loan amount will be $12,099. The calculated APR on a 48 month loan with an interest rate of 13.27% would be 13.71%. Please use our Loan Payment Calculator for additional scenarios relevant to your unique needs.

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

Personal Loans

Last updated: 8/1/2025
Unsecured Loans Term Rate (As Low As) APR1 Apply
Unsecured Lines of Credit 13.77% 13.77 - 18%
Unsecured Term Loan 12 - 48 months,
$5,000* min loan amount
13.27% 14.34 - 18%
Unsecured Term Loan 49 - 60 months,
$5,000 min loan amount
13.77% 14.65 - 18%
Unsecured Term Loan 61 - 72 months,
$10,000 min loan amount
14.77% 15.15 - 18%

1APR=Annual Percentage Rate. All rates advertised are based upon borrowers’ qualifications and will depend on the minimum loan amount and the maximum term listed, and account for a loan processing fee of $99. Your APR will vary depending on your loan amount, interest rate & loan term. Personal loan rates will range from 13.27%-18%.

*Minimum loan amount of $5,000; minimum term is 12 months.

Assume you will borrow $12,000 with $99 loan processing fee; the loan amount will be $12,099. The calculated APR on a 48 month loan with an interest rate of 13.27% would be 13.71%. Please use our Loan Payment Calculator for additional scenarios relevant to your unique needs.

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

Personal Loans

Last updated: 8/1/2025
Unsecured Loans Term Rate (As Low As) APR1 Apply
Unsecured Lines of Credit 13.77% 13.77 - 18%
Unsecured Term Loan 12 - 48 months,
$5,000* min loan amount
13.27% 14.34 - 18%
Unsecured Term Loan 49 - 60 months,
$5,000 min loan amount
13.77% 14.65 - 18%
Unsecured Term Loan 61 - 72 months,
$10,000 min loan amount
14.77% 15.15 - 18%

1APR=Annual Percentage Rate. All rates advertised are based upon borrowers’ qualifications and will depend on the minimum loan amount and the maximum term listed, and account for a loan processing fee of $99. Your APR will vary depending on your loan amount, interest rate & loan term. Personal loan rates will range from 13.27%-18%.

*Minimum loan amount of $5,000; minimum term is 12 months.

Assume you will borrow $12,000 with $99 loan processing fee; the loan amount will be $12,099. The calculated APR on a 48 month loan with an interest rate of 13.27% would be 13.71%. Please use our Loan Payment Calculator for additional scenarios relevant to your unique needs.

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

Personal Loans

Last updated: 8/1/2025
Unsecured Loans Term Rate (As Low As) APR1 Apply
Unsecured Lines of Credit 13.77% 13.77 - 18%
Unsecured Term Loan 12 - 48 months,
$5,000* min loan amount
13.27% 14.34 - 18%
Unsecured Term Loan 49 - 60 months,
$5,000 min loan amount
13.77% 14.65 - 18%
Unsecured Term Loan 61 - 72 months,
$10,000 min loan amount
14.77% 15.15 - 18%

1APR=Annual Percentage Rate. All rates advertised are based upon borrowers’ qualifications and will depend on the minimum loan amount and the maximum term listed, and account for a loan processing fee of $99. Your APR will vary depending on your loan amount, interest rate & loan term. Personal loan rates will range from 13.27%-18%.

*Minimum loan amount of $5,000; minimum term is 12 months.

Assume you will borrow $12,000 with $99 loan processing fee; the loan amount will be $12,099. The calculated APR on a 48 month loan with an interest rate of 13.27% would be 13.71%. Please use our Loan Payment Calculator for additional scenarios relevant to your unique needs.

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

Personal Loans

Last updated: 8/1/2025
Unsecured Loans Term Rate (As Low As) APR1 Apply
Unsecured Lines of Credit 13.77% 13.77 - 18%
Unsecured Term Loan 12 - 48 months,
$5,000* min loan amount
13.27% 14.34 - 18%
Unsecured Term Loan 49 - 60 months,
$5,000 min loan amount
13.77% 14.65 - 18%
Unsecured Term Loan 61 - 72 months,
$10,000 min loan amount
14.77% 15.15 - 18%

1APR=Annual Percentage Rate. All rates advertised are based upon borrowers’ qualifications and will depend on the minimum loan amount and the maximum term listed, and account for a loan processing fee of $99. Your APR will vary depending on your loan amount, interest rate & loan term. Personal loan rates will range from 13.27%-18%.

*Minimum loan amount of $5,000; minimum term is 12 months.

Assume you will borrow $12,000 with $99 loan processing fee; the loan amount will be $12,099. The calculated APR on a 48 month loan with an interest rate of 13.27% would be 13.71%. Please use our Loan Payment Calculator for additional scenarios relevant to your unique needs.

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

Personal Loans

Last updated: 8/1/2025
Unsecured Loans Term Rate (As Low As) APR1 Apply
Unsecured Lines of Credit 13.77% 13.77 - 18%
Unsecured Term Loan 12 - 48 months,
$5,000* min loan amount
13.27% 14.34 - 18%
Unsecured Term Loan 49 - 60 months,
$5,000 min loan amount
13.77% 14.65 - 18%
Unsecured Term Loan 61 - 72 months,
$10,000 min loan amount
14.77% 15.15 - 18%

1APR=Annual Percentage Rate. All rates advertised are based upon borrowers’ qualifications and will depend on the minimum loan amount and the maximum term listed, and account for a loan processing fee of $99. Your APR will vary depending on your loan amount, interest rate & loan term. Personal loan rates will range from 13.27%-18%.

*Minimum loan amount of $5,000; minimum term is 12 months.

Assume you will borrow $12,000 with $99 loan processing fee; the loan amount will be $12,099. The calculated APR on a 48 month loan with an interest rate of 13.27% would be 13.71%. Please use our Loan Payment Calculator for additional scenarios relevant to your unique needs.

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. IRA accounts and accounts with $1,000+ in assets or primary owner is under the age of 18 are exempt from this fee.

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