Rate & Fee Disclosure
Truth In Savings Disclosure (PDF)
Personal Loans
| Unsecured Loans | Term | Rate (As Low As) | APR 1 | Apply |
|---|---|---|---|---|
| Unsecured Lines of Credit | 13.77% |
13.77 - 18% | Apply | |
| Unsecured Term Loan | 12 - 48 months, $5,000* min loan amount |
13.27% | 15.04 - 18% | Apply |
| Unsecured Term Loan | 49 - 60 months, $5,000 min loan amount |
13.77% | 14.65 - 18% | Apply |
| Unsecured Term Loan | 61 - 72 months, $10,000 min loan amount |
14.74% | 15.15 - 18% | Apply |
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
| Unsecured Loans | Term | Rate (As Low As) | APR 1 | Apply |
|---|---|---|---|---|
| Unsecured Lines of Credit | 13.77% |
13.77 - 18% | Apply | |
| Unsecured Term Loan | 12 - 48 months, $5,000* min loan amount |
13.27% | 15.04 - 18% | Apply |
| Unsecured Term Loan | 49 - 60 months, $5,000 min loan amount |
13.77% | 14.65 - 18% | Apply |
| Unsecured Term Loan | 61 - 72 months, $10,000 min loan amount |
14.74% | 15.15 - 18% | Apply |
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
| Unsecured Loans | Term | Rate (As Low As) | APR 1 | Apply |
|---|---|---|---|---|
| Unsecured Lines of Credit | 13.77% |
13.77 - 18% | Apply | |
| Unsecured Term Loan | 12 - 48 months, $5,000* min loan amount |
13.27% | 15.04 - 18% | Apply |
| Unsecured Term Loan | 49 - 60 months, $5,000 min loan amount |
13.77% | 14.65 - 18% | Apply |
| Unsecured Term Loan | 61 - 72 months, $10,000 min loan amount |
14.74% | 15.15 - 18% | Apply |
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
| Unsecured Loans | Term | Rate (As Low As) | APR 1 | Apply |
|---|---|---|---|---|
| Unsecured Lines of Credit | 13.77% |
13.77 - 18% | Apply | |
| Unsecured Term Loan | 12 - 48 months, $5,000* min loan amount |
13.27% | 15.04 - 18% | Apply |
| Unsecured Term Loan | 49 - 60 months, $5,000 min loan amount |
13.77% | 14.65 - 18% | Apply |
| Unsecured Term Loan | 61 - 72 months, $10,000 min loan amount |
14.74% | 15.15 - 18% | Apply |
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
| Unsecured Loans | Term | Rate (As Low As) | APR 1 | Apply |
|---|---|---|---|---|
| Unsecured Lines of Credit | 13.77% |
13.77 - 18% | Apply | |
| Unsecured Term Loan | 12 - 48 months, $5,000* min loan amount |
13.27% | 15.04 - 18% | Apply |
| Unsecured Term Loan | 49 - 60 months, $5,000 min loan amount |
13.77% | 14.65 - 18% | Apply |
| Unsecured Term Loan | 61 - 72 months, $10,000 min loan amount |
14.74% | 15.15 - 18% | Apply |
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
| Unsecured Loans | Term | Rate (As Low As) | APR 1 | Apply |
|---|---|---|---|---|
| Unsecured Lines of Credit | 13.77% |
13.77 - 18% | Apply | |
| Unsecured Term Loan | 12 - 48 months, $5,000* min loan amount |
13.27% | 15.04 - 18% | Apply |
| Unsecured Term Loan | 49 - 60 months, $5,000 min loan amount |
13.77% | 14.65 - 18% | Apply |
| Unsecured Term Loan | 61 - 72 months, $10,000 min loan amount |
14.74% | 15.15 - 18% | Apply |
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
| Unsecured Loans | Term | Rate (As Low As) | APR 1 | Apply |
|---|---|---|---|---|
| Unsecured Lines of Credit | 13.77% |
13.77 - 18% | Apply | |
| Unsecured Term Loan | 12 - 48 months, $5,000* min loan amount |
13.27% | 15.04 - 18% | Apply |
| Unsecured Term Loan | 49 - 60 months, $5,000 min loan amount |
13.77% | 14.65 - 18% | Apply |
| Unsecured Term Loan | 61 - 72 months, $10,000 min loan amount |
14.74% | 15.15 - 18% | Apply |
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
| Unsecured Loans | Term | Rate (As Low As) | APR 1 | Apply |
|---|---|---|---|---|
| Unsecured Lines of Credit | 13.77% |
13.77 - 18% | Apply | |
| Unsecured Term Loan | 12 - 48 months, $5,000* min loan amount |
13.27% | 15.04 - 18% | Apply |
| Unsecured Term Loan | 49 - 60 months, $5,000 min loan amount |
13.77% | 14.65 - 18% | Apply |
| Unsecured Term Loan | 61 - 72 months, $10,000 min loan amount |
14.74% | 15.15 - 18% | Apply |
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.