Rates

Interest Rates Certified by Datatrac

Find a list of our rate tables here! They update often, so be sure to check back or subscribe to a rate change. We'll let you know when rates change so you can make a decision on whether or not to purchase.

Program Name	Rate (as low as)¹	APR²
5/1 ARM	3.250%	3.891%
7/1 ARM	3.500%	3.924%
30 Year Fixed (Conforming)	4.000%	4.165%
20 Year Fixed (Conforming)	3.625%	3.850%
15 Year Fixed (Conforming)	3.250%	3.537%
10 Year Fixed (Conforming)	3.125%	3.542%
For customized rates based on your loan details click here. ¹Rates are subject to change without notice and is based upon borrower qualifications and credit review. ²Annual Percentage Rate (APR) is calculated based on a loan amount of $100,000.00.

Program Name

Rate (as low as)¹

APR²

5/1 ARM

3.250%

3.891%

7/1 ARM

3.500%

3.924%

30 Year Fixed (Conforming)

4.000%

4.165%

20 Year Fixed (Conforming)

3.625%

3.850%

15 Year Fixed (Conforming)

3.250%

3.537%

10 Year Fixed (Conforming)

3.125%

3.542%

For customized rates based on your loan details click here.

¹Rates are subject to change without notice and is based upon borrower qualifications and credit review.

²Annual Percentage Rate (APR) is calculated based on a loan amount of $100,000.00.

Dividend Rate¹	APY²
0.30%	0.30%
^*$25 minimum balance required to open. IRA rates are variable and set by the Board of Directors on a monthly basis. Rate subject to change after account is opened. Dividends are calculated on the daily balance, compounded monthly, and credited to the account at the end of the month. Dividends begin to accrue upon deposit. Roth, Traditional, CESA options available. Share Certificates in various terms are also available. Dividends are paid from current income and available earnings after required transfers to reserves are made at the end of a dividend period. Dividends are not guaranteed. IRA rates are variable and set by the Board of Directors on a monthly basis. ¹Variable rate account, rate is subject to change anytime after account opening. Fees could reduce earnings. Please see our Fee Disclosure Statement for further information about fees potentially related to these accounts. ²APY=Annual Percentage Yield. Deposit accounts are insured by account ownership up to $250,000 by the NATIONAL CREDIT UNION ADMINISTRATION. Additional insurance coverage of $250,000 is provided by EXCESS SHARE INSURANCE for total protection up to $500,000.

Dividend Rate¹

APY²

0.30%

^*$25 minimum balance required to open. IRA rates are variable and set by the Board of Directors on a monthly basis. Rate subject to change after account is opened. Dividends are calculated on the daily balance, compounded monthly, and credited to the account at the end of the month. Dividends begin to accrue upon deposit. Roth, Traditional, CESA options available. Share Certificates in various terms are also available. Dividends are paid from current income and available earnings after required transfers to reserves are made at the end of a dividend period. Dividends are not guaranteed. IRA rates are variable and set by the Board of Directors on a monthly basis.

¹Variable rate account, rate is subject to change anytime after account opening. Fees could reduce earnings. Please see our Fee Disclosure Statement for further information about fees potentially related to these accounts.

²APY=Annual Percentage Yield. Deposit accounts are insured by account ownership up to $250,000 by the NATIONAL CREDIT UNION ADMINISTRATION. Additional insurance coverage of $250,000 is provided by EXCESS SHARE INSURANCE for total protection up to $500,000.

Balance¹	Dividend Rate²	APY³
$10,000-$34,999.99	0.20%	0.20%
$35,000-$74,999.99	0.25%	0.25%
$75,000+	0.30%	0.30%
¹ A $10,000 minimum balance is required to open. May issue up to three checks per month. Dividends calculated on daily balance, compounded daily and credited to account at month end. Dividends begin to accrue upon deposit. If balance falls below $10,000 any time during the month, dividend rates becomes equal to stated Regular Savings rate. If the balance falls below the minimum for the tier, the dividend rate drops to the rate of the lower tier. Money Market rates are variable and set by the Board of Directors on a monthly basis. A $15 monthly maintence fee will incur for balances falling below $10,000. ² Variable rate account, rate is subject to change anytime after account opening. Fees could reduce earnings. Please see our Fee Disclosure Statement for further information about fees potentially related to these accounts. ³ APY=Annual Percentage Yield. Deposit accounts are insured by account ownership up to $250,000 by the NATIONAL CREDIT UNION ADMINISTRATION. Additional insurance coverage of $250,000 is provided by EXCESS SHARE INSURANCE for total protection up to $500,000.

Balance¹

Dividend Rate²

APY³

$10,000-$34,999.99

0.20%

$35,000-$74,999.99

0.25%

$75,000+

0.30%

¹ A $10,000 minimum balance is required to open. May issue up to three checks per month. Dividends calculated on daily balance, compounded daily and credited to account at month end. Dividends begin to accrue upon deposit. If balance falls below $10,000 any time during the month, dividend rates becomes equal to stated Regular Savings rate. If the balance falls below the minimum for the tier, the dividend rate drops to the rate of the lower tier. Money Market rates are variable and set by the Board of Directors on a monthly basis. A $15 monthly maintence fee will incur for balances falling below $10,000.

² Variable rate account, rate is subject to change anytime after account opening. Fees could reduce earnings. Please see our Fee Disclosure Statement for further information about fees potentially related to these accounts.

³ APY=Annual Percentage Yield. Deposit accounts are insured by account ownership up to $250,000 by the NATIONAL CREDIT UNION ADMINISTRATION. Additional insurance coverage of $250,000 is provided by EXCESS SHARE INSURANCE for total protection up to $500,000.

Balance¹	Dividend Rate²	APY³
Up to $2,499.99	0.20%	0.20%
$2,500 to $9,999.99	0.20%	0.20%
$10,000 to $24,999.99	0.20%	0.20%
$25,000+	0.25%	0.25%
¹A $5,000 minimum balance is required to open. Dividends are calculated on the daily balance, compounded daily and credited to the account at the end of the month. Dividends begin to accrue upon deposit. Dividend rates are tiered. If the balance falls below the minimum for the tier, the dividend rate drops to the rate for the next tier. A $10 monthly maintenance will be incurred on balances less than $5,000. Money Market account rates are variable and set by the Board of Directors on a monthly basis. ²Variable rate account, rate is subject to change anytime after account opening. Fees could reduce earnings. Please see our Fee Disclosure Statement for further information about fees potentially related to these accounts. ³APY=Annual Percentage Yield. Deposit accounts are insured by account ownership up to $250,000 by the NATIONAL CREDIT UNION ADMINISTRATION. Additional insurance coverage of $250,000 is provided by EXCESS SHARE INSURANCE for total protection up to $500,000.

Balance¹

Dividend Rate²

APY³

Up to $2,499.99

0.20%

$2,500 to $9,999.99

0.20%

$10,000 to $24,999.99

0.20%

$25,000+

0.25%

¹A $5,000 minimum balance is required to open. Dividends are calculated on the daily balance, compounded daily and credited to the account at the end of the month. Dividends begin to accrue upon deposit. Dividend rates are tiered. If the balance falls below the minimum for the tier, the dividend rate drops to the rate for the next tier. A $10 monthly maintenance will be incurred on balances less than $5,000. Money Market account rates are variable and set by the Board of Directors on a monthly basis.

²Variable rate account, rate is subject to change anytime after account opening. Fees could reduce earnings. Please see our Fee Disclosure Statement for further information about fees potentially related to these accounts.

³APY=Annual Percentage Yield. Deposit accounts are insured by account ownership up to $250,000 by the NATIONAL CREDIT UNION ADMINISTRATION. Additional insurance coverage of $250,000 is provided by EXCESS SHARE INSURANCE for total protection up to $500,000.

Term	Minimum Balance to Open	Dividend Rate¹	APY²
3 Month	$500	0.20%	0.20%
6 Month	$500	0.45%	0.45%
12 Month	$1000	0.65%	0.65%
18 Month	$1000	1.00%	1.00%
24 Month	$1000	1.09%	1.10%
30 Month	$1000	1.14%	1.15%
36 Month	$1000	1.29%	1.30%
48 Month	$1000	1.39%	1.40%
59 Month³	$1000	1.64%	1.65%
60 Month	$1000	1.69%	1.70%
¹ Variable rate account, rate is subject to change anytime after account opening. Fees could reduce earnings. Please see our Fee Disclosure Statement for further information about fees potentially related to these accounts. ² APY=Annual Percentage Yield. There may be a penalty for early withdrawal. Dividends compounded daily and paid the last day of each month. Certificates are insured up to $250,000 by the NATIONAL CREDIT UNION ADMINISTRATION. Additional insurance coverage of $250,000 is provided by EXCESS SHARE INSURANCE for total protection up to $500,000. ³Term and rate only applies to the Bump Rate Certificate. Please see our Bump Rate Certificate for further information.

Term

Minimum Balance to Open

Dividend Rate¹

APY²

3 Month

$500

0.20%

6 Month

$500

0.45%

12 Month

$1000

0.65%

18 Month

$1000

1.00%

24 Month

$1000

1.09%

1.10%

30 Month

$1000

1.14%

1.15%

36 Month

$1000

1.29%

1.30%

48 Month

$1000

1.39%

1.40%

59 Month³

$1000

1.64%

1.65%

60 Month

$1000

1.69%

1.70%

¹ Variable rate account, rate is subject to change anytime after account opening. Fees could reduce earnings. Please see our Fee Disclosure Statement for further information about fees potentially related to these accounts.

² APY=Annual Percentage Yield. There may be a penalty for early withdrawal. Dividends compounded daily and paid the last day of each month. Certificates are insured up to $250,000 by the NATIONAL CREDIT UNION ADMINISTRATION. Additional insurance coverage of $250,000 is provided by EXCESS SHARE INSURANCE for total protection up to $500,000.

³Term and rate only applies to the Bump Rate Certificate. Please see our Bump Rate Certificate for further information.

Balance¹	Dividend Rate²	APY³
Portion up to $500⁴	5.00%	5.12%
Portion over $500.01⁵	0.10%	0.10%
¹Available to members age 15 to 25. $5 minimum balance required to open. Rates are variable and set by the Board of Directors on a monthly basis. Dividends are calculated on the daily balance, compounded monthly, and credited to the account at the end of the month. Dividends begin to accrue upon deposit. ² Variable rate account, rate is subject to change anytime after account opening. Fees could reduce earnings. Please see our Fee Disclosure Statement for further information about fees potentially related to these accounts ³ APY=Annual Percentage Yield. Deposit accounts are insured by account ownership up to $250,000 by the NATIONAL CREDIT UNION ADMINISTRATION. Additional insurance coverage of $250,000 is provided by EXCESS SHARE INSURANCE for total protection up to $500,000. ⁴ An interest rate of 5% (APY 5.12%) will be paid only on the portion of your daily balance that is less than $500.01. ⁵ An interest rate of 0.10% (APY 0.10%) will be paid only on the portion of your daily balance that is greater than $500.00.

Balance¹

Dividend Rate²

APY³

Portion up to $500⁴

5.00%

5.12%

Portion over $500.01⁵

0.10%

¹Available to members age 15 to 25. $5 minimum balance required to open. Rates are variable and set by the Board of Directors on a monthly basis. Dividends are calculated on the daily balance, compounded monthly, and credited to the account at the end of the month. Dividends begin to accrue upon deposit.

⁴ An interest rate of 5% (APY 5.12%) will be paid only on the portion of your daily balance that is less than $500.01.

⁵ An interest rate of 0.10% (APY 0.10%) will be paid only on the portion of your daily balance that is greater than $500.00.

Dividend Rate ¹	APY ²
0.10%	0.10%
^*$5 minimum balance required to open. Dividends are calculated on the daily balance, compounded monthly and credited to the account at the end of the month. Dividends begin to accrue upon deposit. Savings rates are variable and set by the Board of Directors on a monthly basis. ¹ Variable rate account, rate is subject to change anytime after account opening. Fees could reduce earnings. Please see our Fee Disclosure Statement for further information about fees potentially related to these accounts. ² APY=Annual Percentage Yield. Deposit accounts are insured by account ownership up to $250,000 by the NATIONAL CREDIT UNION ADMINISTRATION. Additional insurance coverage of $250,000 is provided by EXCESS SHARE INSURANCE for total protection up to $500,000.

Dividend Rate ¹

APY ²

0.10%

^*$5 minimum balance required to open. Dividends are calculated on the daily balance, compounded monthly and credited to the account at the end of the month. Dividends begin to accrue upon deposit. Savings rates are variable and set by the Board of Directors on a monthly basis.

¹ Variable rate account, rate is subject to change anytime after account opening. Fees could reduce earnings. Please see our Fee Disclosure Statement for further information about fees potentially related to these accounts.

² APY=Annual Percentage Yield. Deposit accounts are insured by account ownership up to $250,000 by the NATIONAL CREDIT UNION ADMINISTRATION. Additional insurance coverage of $250,000 is provided by EXCESS SHARE INSURANCE for total protection up to $500,000.

Balance¹	Dividend Rate²	APY³
Up to $24,999.99	0.10%	0.10%
$25,000+	0.15%	0.15%
No minimum opening balance required. ¹Dividends are calculated on the daily balance, compounded daily and credited to the account at the end of the month. Dividends begin to accrue upon deposit. Dividend rates are tiered. If the balance falls below the minimum for the tier, the dividend rate drops to the rate for the next tier. ²Variable rate account, rate is subject to change anytime after account opening. Fees could reduce earnings. Please see our Fee Disclosure Statement for further information about fees potentially related to these accounts. ³APY=Annual Percentage Yield. Deposit accounts are insured by account ownership up to $250,000 by the NATIONAL CREDIT UNION ADMINISTRATION. Additional insurance coverage of $250,000 is provided by EXCESS SHARE INSURANCE for total protection up to $500,000.

Balance¹

Dividend Rate²

APY³

Up to $24,999.99

0.10%

$25,000+

0.15%

No minimum opening balance required.

¹Dividends are calculated on the daily balance, compounded daily and credited to the account at the end of the month. Dividends begin to accrue upon deposit. Dividend rates are tiered. If the balance falls below the minimum for the tier, the dividend rate drops to the rate for the next tier.

²Variable rate account, rate is subject to change anytime after account opening. Fees could reduce earnings. Please see our Fee Disclosure Statement for further information about fees potentially related to these accounts.

³APY=Annual Percentage Yield. Deposit accounts are insured by account ownership up to $250,000 by the NATIONAL CREDIT UNION ADMINISTRATION. Additional insurance coverage of $250,000 is provided by EXCESS SHARE INSURANCE for total protection up to $500,000.

Balance Tier ¹	Dividend Rate²	APY ³
Portion up to $10,000.99 ⁵	1.50%	1.51%
Portion over $10,001 ⁶	0.15%	0.15%
Base rate (paid on entire portion if requirements are not met) ⁷	0.01%	0.01%
If you choose the Tunes Rewards option, you will receive a $10 opening bonus and up to $5 in monthly rebates when you meet the month requirements of the account. ¹ Variable rate account, rate is subject to change anytime after account opening. Fees could reduce earnings. Please see our Fee Disclosure Statement for further information about fees potentially related to these accounts. ² Please note: the rates displayed here are the current rates for both Epic or Rhythm Checking (Dividend Rewards) accounts. ³ APY = Annual Percentage Rate. $25 minimum opening balance. There is no minimum balance requirement after opening. An Epic or Rhythm Checking qualifications cycle is the last day of the month preceding through the second to last day of qualification month. For example, May’s qualification cycle runs from April 30th through May 30th. Rates are variable and set by the Board of Directors on a monthly basis. Fees could reduce earnings. Applicable transactions must be posted during the qualifications cycle in order to be counted towards requirements for rewards. A $5 monthly maintenance fee applies to Rhythm Checking if monthly qualifications are not met. ⁴ Click here for the Rhythm Checking Calendar for qualifications and rewards cycles. ⁵ An interest rate of 1.50% (APY 1.51%) will be paid only on the portion of your daily balance that is less than $10,001.00. ⁶ An interest rate of 0.15% (APY 0.15%) will be paid only on the portion of your daily balance that is greater than $10,000.99. ^₇ A Base interest rate of 0.01% (APY 0.01%) will be paid on your entire daily balance if requirements are not met.

Balance Tier ¹

Dividend Rate²

APY ³

Portion up to $10,000.99 ⁵

1.50%

1.51%

Portion over $10,001 ⁶

0.15%

Base rate (paid on entire portion if requirements are not met) ⁷

0.01%

If you choose the Tunes Rewards option, you will receive a $10 opening bonus and up to $5 in monthly rebates when you meet the month requirements of the account.

¹ Variable rate account, rate is subject to change anytime after account opening. Fees could reduce earnings. Please see our Fee Disclosure Statement for further information about fees potentially related to these accounts.

² Please note: the rates displayed here are the current rates for both Epic or Rhythm Checking (Dividend Rewards) accounts.

³ APY = Annual Percentage Rate. $25 minimum opening balance. There is no minimum balance requirement after opening. An Epic or Rhythm Checking qualifications cycle is the last day of the month preceding through the second to last day of qualification month. For example, May’s qualification cycle runs from April 30th through May 30th. Rates are variable and set by the Board of Directors on a monthly basis. Fees could reduce earnings. Applicable transactions must be posted during the qualifications cycle in order to be counted towards requirements for rewards. A $5 monthly maintenance fee applies to Rhythm Checking if monthly qualifications are not met.

⁴ Click here for the Rhythm Checking Calendar for qualifications and rewards cycles.

⁵ An interest rate of 1.50% (APY 1.51%) will be paid only on the portion of your daily balance that is less than $10,001.00.

⁶ An interest rate of 0.15% (APY 0.15%) will be paid only on the portion of your daily balance that is greater than $10,000.99.

^₇ A Base interest rate of 0.01% (APY 0.01%) will be paid on your entire daily balance if requirements are not met.

Balance	Dividend Rate¹	APY ²
Up to $2,499.99	0.10%	0.10%
$2,500 to $9,999.99	0.10%	0.10%
$10,000 to $24,999.99	0.10%	0.10%
$25,000+	0.15%	0.15%
¹ Variable rate account, rate is subject to change anytime after account opening. Fees could reduce earnings. Please see our Fee Disclosure Statement for further information about fees potentially related to these accounts. ² APY=Annual Percentage Yield. Deposit accounts are insured by account ownership up to $250,000 by the NATIONAL CREDIT UNION ADMINISTRATION. Additional insurance coverage of $250,000 is provided by EXCESS SHARE INSURANCE for total protection up to $500,000.

Balance

Dividend Rate¹

APY ²

Up to $2,499.99

0.10%

$2,500 to $9,999.99

0.10%

$10,000 to $24,999.99

0.10%

$25,000+

0.15%

¹ Variable rate account, rate is subject to change anytime after account opening. Fees could reduce earnings. Please see our Fee Disclosure Statement for further information about fees potentially related to these accounts.

² APY=Annual Percentage Yield. Deposit accounts are insured by account ownership up to $250,000 by the NATIONAL CREDIT UNION ADMINISTRATION. Additional insurance coverage of $250,000 is provided by EXCESS SHARE INSURANCE for total protection up to $500,000.

Balance¹	Dividend Rate²	APY³
Up to $2,499.99	0.10%	0.10%
$2,500 to $9,999.99	0.10%	0.10%
$10,000 to $24,999.99	0.10%	0.10%
$25,000+	0.15%	0.15%
¹ $25 minimum balance required to open. A $2,000 minimum daily balance is required to avoid a $5 monthly maintenance fee. Dividends are calculated on the daily balance, compounded monthly and credited to the account at the end of the month. Dividends begin to accrue upon deposit. ² Variable rate account, rate is subject to change anytime after account opening. Fees could reduce earnings. Please see our Fee Disclosure Statement for further imformation about fees potentailly related to these accounts. ³ APY=Annual Percentage Yield. Deposit accounts are insured by account ownership up to $250,000 by the NATIONAL CREDIT UNION ADMINISTRATION. Additional insurance coverage of $250,000 is provided by EXCESS SHARE INSURANCE for total protection up to $500,000.

Balance¹

Dividend Rate²

APY³

Up to $2,499.99

0.10%

$2,500 to $9,999.99

0.10%

$10,000 to $24,999.99

0.10%

$25,000+

0.15%

¹ $25 minimum balance required to open. A $2,000 minimum daily balance is required to avoid a $5 monthly maintenance fee. Dividends are calculated on the daily balance, compounded monthly and credited to the account at the end of the month. Dividends begin to accrue upon deposit.

² Variable rate account, rate is subject to change anytime after account opening. Fees could reduce earnings. Please see our Fee Disclosure Statement for further imformation about fees potentailly related to these accounts.

Type	Balance	Rate	Term
Undergraduate Private Student Loan	$1,000 - $75,000	as low as 5.49%⁽¹⁾⁽²⁾
Graduate Private Student Loan	$1,000 - $75,000	as low as 5.49⁽¹⁾⁽²⁾
Student Loan Refinance (Federal & Private)	$5,000 - $100,000³	as low as 3.49%⁴	60 Months
Student Loan Refinance (Federal & Private)	$5,000 - $100,000³	as low as 3.99%⁴	120 Months
Student Loan Refinance (Federal & Private)	$5,000 - $100,000³	as low as 4.79%⁴	180 Months
(1) Your interest rate is variable and will change based on changes in an index chosen by Three Rivers Federal Credit Union. The index is Prime, as published in The Wall Street Journal (“Index”). If the Index becomes unavailable during the term of this account, the credit union may substitute a new index after notice to you. The interest rate will be adjusted quarterly, based on a historical index chosen by the credit union. This quarterly adjustment will occur upon no less than forty-five (45) days written notice to you. To determine the APR, add your margin rate to the Index (as provided in your notice), and round the result up to the nearest one eighth percent (0.125%). Any increase in the index rate will increase the APR and the amount of your monthly payment. (2) The Prime rate used will be 4.25%. The margin ranges between 1.24% and 5.99% depending on the borrower/co-borrower's credit score at the time of application. This margin is added to the index rate to determine the interest rate. There is a 'floor' rate for the loan; meaning that your interest rate will never fall below the stated floor rate as disclosed upon approval. The 'floor' rate Annual Percentage Rate (APR) for the loan is currently 4.99%. 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 (exclusive credit cards). (4) No Loan Origination Fee and No Early Payoff Penalties; 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. Please see our Student Loan Refi brochure for more information about this loan product or visit https://www.3riversfcu.org/students/refinance-your-student-loan/.

Type

Balance

Rate

Term

Undergraduate Private Student Loan

$1,000 - $75,000

as low as 5.49%⁽¹⁾⁽²⁾

Graduate Private Student Loan

$1,000 - $75,000

as low as 5.49⁽¹⁾⁽²⁾

Student Loan Refinance (Federal & Private)

$5,000 - $100,000³

as low as 3.49%⁴

60 Months

Student Loan Refinance (Federal & Private)

$5,000 - $100,000³

as low as 3.99%⁴

120 Months

Student Loan Refinance (Federal & Private)

$5,000 - $100,000³

as low as 4.79%⁴

180 Months

(1) Your interest rate is variable and will change based on changes in an index chosen by Three Rivers Federal Credit Union. The index is Prime, as published in The Wall Street Journal (“Index”). If the Index becomes unavailable during the term of this account, the credit union may substitute a new index after notice to you. The interest rate will be adjusted quarterly, based on a historical index chosen by the credit union. This quarterly adjustment will occur upon no less than forty-five (45) days written notice to you. To determine the APR, add your margin rate to the Index (as provided in your notice), and round the result up to the nearest one eighth percent (0.125%). Any increase in the index rate will increase the APR and the amount of your monthly payment.

(2) The Prime rate used will be 4.25%. The margin ranges between 1.24% and 5.99% depending on the borrower/co-borrower's credit score at the time of application. This margin is added to the index rate to determine the interest rate. There is a 'floor' rate for the loan; meaning that your interest rate will never fall below the stated floor rate as disclosed upon approval. The 'floor' rate Annual Percentage Rate (APR) for the loan is currently 4.99%.
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 (exclusive credit cards).

(4) No Loan Origination Fee and No Early Payoff Penalties; 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.

Please see our Student Loan Refi brochure for more information about this loan product or visit https://www.3riversfcu.org/students/refinance-your-student-loan/.

Perk	Description
Annual Percentage Rate¹	As low as 11.95% APR ¹
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	NONE
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.

Perk

Description

Annual Percentage Rate¹

As low as 11.95% APR ¹

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

Balance Transfer Fee

NONE

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.

Unsecured Lines of Credit	APR¹
$1,000 minimum - $3,000 maximum as low as	11.70%
Unsecured Term Loan ($1,000 minimum, $20,000 maximum)
12 - 36 months new money as low as...	9.99%
37 - 60 months new money as low as...	10.49%
61 - 72 months new money as low as...	10.99%
¹APR=Annual Percentage Rate. All rates advertised are based upon borrowers qualifications. ²LOC = Line of Credit Payment Example(s): Term – 60 mos @ 9.95% your payment will be roughly $21.22 monthly per $1,000 borrowed Please use our Loan Payment Calculator for additional scenarios relevant to your unique needs.

Unsecured Lines of Credit

APR¹

$1,000 minimum - $3,000 maximum as low as

11.70%

Unsecured Term Loan ($1,000 minimum, $20,000 maximum)

12 - 36 months new money as low as...

9.99%

37 - 60 months new money as low as...

10.49%

61 - 72 months new money as low as...

10.99%

¹APR=Annual Percentage Rate. All rates advertised are based upon borrowers qualifications.

²LOC = Line of Credit

Payment Example(s):

Term – 60 mos @ 9.95% your payment will be roughly $21.22 monthly per $1,000 borrowed
Please use our Loan Payment Calculator for additional scenarios relevant to your unique needs.

Second Mortgages	Loan Amount	Term¹	Rate	APR¹
Home Equity LOC	$10,000 - $250,000	180 month term loan. Payment 1.5% of outstanding balance, but not less than $50. $149 fee for Home Equity LOC - fee reduced to $99 if current 1st mortgage with 3Rivers.	as low as 4.25%	4.471%
Interest Only Home Equity LOC	$10,000 - $250,000	120 month term loan. Monthly payment will be all accrued yet unpaid Finance Charges due. Fee is 1% of the Loan Amount when used as a 'Bridge Loan'. $149 fee for Non-Bridge Loans; fee reduced to $99 if current 1st Mortgage is with 3Rivers	as low as 4.25%	4.568%
Closed End Second Mortgage	$10,000 - $250,000	Up to 84 months	as low as 5.99%	6.442%
Closed End Second Mortgage	$10,000 - $250,000	85 to120 months	as low as 6.24%	6.570%
Closed End Second Mortgage	$35,000 - $250,000	121 to 180 months	as low as 6.49%	6.725%
¹APR=Annual Percentage Rate. All rates advertised are based upon borrowers qualifications. Rates for Home Equity LOC and Interest Only Home Equity LOC are based on prime (index), as published in the Wall Street Journal on the last day of the month, plus a margin. Index plus margin equals the Interest Rate. Current prime is 4.25%. Interest rate will never be less than 3% nor greater than 18%. All home lending products are subject to credit and property approval. Rates, program terms and conditions are subject to change without notice. Not all products are available in all states. Other restrictions and limitations apply. Our Home Equity loan products may not be used to purchase the property being used as collateral. With home equity loans, you can generally deduct the interest you pay. The interest you pay on credit cards and other types of personal loans is generally not tax-deductible. Consult your tax advisor about the deductibility of interest. Rates for Home Equity LOC and Interest Only Home Equity LOC are based on prime (index), as published in the Wall Street Journal on the last day of the month, plus a margin. Index plus margin equals the Interest Rate. Current prime is 4.25%. Interest rate will never be less than 3% nor greater than 18%. Closed End Second Mortgage Loans: Available loan terms vary based on loan amount. $149 fee for Closed End Second Mortgages - fee reduced to $99 and rate reduced by 1% if current 1st Mortgage is with 3Rivers. *Payment Examples:* Closed End Real Estate – 120 mos @ 5.99% your payment will roughly be $11.10 monthly per $1000 borrowed. The APR has been calculated using the minimum loan amount and the maximum term listed, with a processing fee of $149. Your APR will vary depending on the loan amount, interest rate & loan term.

Second Mortgages

Loan Amount

Term¹

Rate

APR¹

Home Equity LOC

$10,000 - $250,000

180 month term loan. Payment 1.5% of outstanding balance, but not less than $50. $149 fee for Home Equity LOC - fee reduced to $99 if current 1st mortgage with 3Rivers.

as low as 4.25%

4.471%

Interest Only Home Equity LOC

$10,000 - $250,000

120 month term loan. Monthly payment will be all accrued yet unpaid Finance Charges due. Fee is 1% of the Loan Amount when used as a 'Bridge Loan'. $149 fee for Non-Bridge Loans; fee reduced to $99 if current 1st Mortgage is with 3Rivers

as low as 4.25%

4.568%

Closed End Second Mortgage

$10,000 - $250,000

Up to 84 months

as low as 5.99%

6.442%

Closed End Second Mortgage

$10,000 - $250,000

85 to120 months

as low as 6.24%

6.570%

Closed End Second Mortgage

$35,000 - $250,000

121 to 180 months

as low as 6.49%

6.725%

¹APR=Annual Percentage Rate. All rates advertised are based upon borrowers qualifications. Rates for Home Equity LOC and Interest Only Home Equity LOC are based on prime (index), as published in the Wall Street Journal on the last day of the month, plus a margin. Index plus margin equals the Interest Rate. Current prime is 4.25%. Interest rate will never be less than 3% nor greater than 18%.

All home lending products are subject to credit and property approval. Rates, program terms and conditions are subject to change without notice. Not all products are available in all states. Other restrictions and limitations apply. Our Home Equity loan products may not be used to purchase the property being used as collateral. With home equity loans, you can generally deduct the interest you pay. The interest you pay on credit cards and other types of personal loans is generally not tax-deductible. Consult your tax advisor about the deductibility of interest.

Rates for Home Equity LOC and Interest Only Home Equity LOC are based on prime (index), as published in the Wall Street Journal on the last day of the month, plus a margin. Index plus margin equals the Interest Rate. Current prime is 4.25%. Interest rate will never be less than 3% nor greater than 18%.

Closed End Second Mortgage Loans: Available loan terms vary based on loan amount. $149 fee for Closed End Second Mortgages - fee reduced to $99 and rate reduced by 1% if current 1st Mortgage is with 3Rivers.

Payment Examples:

Closed End Real Estate – 120 mos @ 5.99% your payment will roughly be $11.10 monthly per $1000 borrowed.

The APR has been calculated using the minimum loan amount and the maximum term listed, with a processing fee of $149. Your APR will vary depending on the loan amount, interest rate & loan term.

Model Year	Term	Rate	APR¹
2015 & Newer*	12 - 72 Months	as low as 4.99%	5.13%
2015 & Newer*	73-96 Months	as low as 5.49%	5.59%
2015 & Newer*	97-144 Months	as low as 5.99%	6.06%
¹APR=Annual Percentage Rate. * For Camper / RV loans where model year is from 2010 to 2012 add 1% to the listed rates. For Camper / RV loans where model year is 2009 or older add 2% to the listed rates. Payment Examples Camper – 60 mos @ 3.99% your payment will be roughly $18.41 monthly per $1,000 borrowed Please use our Loan Payment Calculator for additional scenarios relevant to your unique needs. Term guidelines: 61-72 months minimum loan amount $10K. 73-84 months minimum loan amount $15K. 85-144 months minimum loan amount $20K.

Model Year

Term

Rate

APR¹

2015 & Newer*

12 - 72 Months

as low as 4.99%

5.13%

2015 & Newer*

73-96 Months

as low as 5.49%

5.59%

2015 & Newer*

97-144 Months

as low as 5.99%

6.06%

¹APR=Annual Percentage Rate.

* For Camper / RV loans where model year is from 2010 to 2012 add 1% to the listed rates. For Camper / RV loans where model year is 2009 or older add 2% to the listed rates.

Payment Examples

Camper – 60 mos @ 3.99% your payment will be roughly $18.41 monthly per $1,000 borrowed
Please use our Loan Payment Calculator for additional scenarios relevant to your unique needs.

Term guidelines: 61-72 months minimum loan amount $10K. 73-84 months minimum loan amount $15K. 85-144 months minimum loan amount $20K.

Model Year	Term	Rate	APR¹
2015 & Newer*	12 - 72	as low as 4.99%	5.13%
2015 & Newer*	73 - 96	as low as 5.49%	5.59%
2015 & Newer*	97 - 144	as low as 5.99%	6.06%
¹APR=Annual Percentage Rate. * For Boat loans where model year is from 2011 to 2013 add 1% to the listed rates. For Boat loans where model year is 2010 or older add 2% to the listed rates. Payment Example(s): Boat – 60 mos @ 4.99% your payment will be roughly $18.87 monthly per $1,000 borrowed Please use our Loan Payment Calculator for additional scenarios relevant to your unique needs. Term guidelines for VL (Vehicle Loan) Applications: 61-72 months minimum loan amount $10K. 73-84 months minimum loan amount $15K. 85-144 months minimum loan amount $20K. APR Calculations above have been based on a loan amount of $10,000 for the maximum term listed and account for a VSI Fee of $39. Your APR will vary depending on your loan amount, interest rate & loan term.

Model Year

Term

Rate

APR¹

2015 & Newer*

12 - 72

as low as 4.99%

5.13%

2015 & Newer*

73 - 96

as low as 5.49%

5.59%

2015 & Newer*

97 - 144

as low as 5.99%

6.06%

¹APR=Annual Percentage Rate.

* For Boat loans where model year is from 2011 to 2013 add 1% to the listed rates. For Boat loans where model year is 2010 or older add 2% to the listed rates.

Payment Example(s):

Boat – 60 mos @ 4.99% your payment will be roughly $18.87 monthly per $1,000 borrowed
Please use our Loan Payment Calculator for additional scenarios relevant to your unique needs.

Term guidelines for VL (Vehicle Loan) Applications: 61-72 months minimum loan amount $10K. 73-84 months minimum loan amount $15K. 85-144 months minimum loan amount $20K.

APR Calculations above have been based on a loan amount of $10,000 for the maximum term listed and account for a VSI Fee of $39. Your APR will vary depending on your loan amount, interest rate & loan term.

Model Year	Term	Rate	APR¹
2014 & Newer	12 - 36 months	as low as 3.19%	3.45%
2014 & Newer	37 - 60 months	as low as 3.49%	3.65%
2014 & Newer	61 - 72 months	as low as 3.99%	4.12%
2011-2014	12 - 36 months	as low as 3.69%	3.95%
2011-2014	37 - 60 months	as low as 3.99%	4.15%
2007-2010	12 - 36 months	as low as 4.69%	4.95%
2007-2010	37 - 60 months	as low as 4.99%	5.15%
2004-2006	12 - 48 months	as low as 6.49%	6.69%
Payment Example(s): Boat – 60 mos @ 4.99% your payment will be roughly $18.87 monthly per $1,000 borrowed Motorcycle – 60 mos @ 3.99% your payment will be roughly $18.41 monthly per $1,000 borrowed Please use our Loan Payment Calculator for additional scenarios relevant to your unique needs. Term guidelines for VL (Vehicle Loan) Applications: 61-72 months minimum loan amount $10K. 73-84 months minimum loan amount $15K. Annual Percentage Rate (APR) Calculations above have been based on a loan amount of $10,000 for the maximum term listed and account for a VSI Fee of $39. Your APR will vary depending on your loan amount, interest rate & loan term. For First Time Auto Buyers & No (FICO) Score Applicants: 60m max term. For Auto, Truck, Motorcycle, ATV, Personal Watercraft & Snowmobiles, where model year is older than 2004: Unsecured Loan Rates apply.

Model Year

Term

Rate

APR¹

2014 & Newer

12 - 36 months

as low as 3.19%

3.45%

2014 & Newer

37 - 60 months

as low as 3.49%

3.65%

2014 & Newer

61 - 72 months

as low as 3.99%

4.12%

2011-2014

12 - 36 months

as low as 3.69%

3.95%

2011-2014

37 - 60 months

as low as 3.99%

4.15%

2007-2010

12 - 36 months

as low as 4.69%

4.95%

2007-2010

37 - 60 months

as low as 4.99%

5.15%

2004-2006

12 - 48 months

as low as 6.49%

6.69%

Payment Example(s):

Boat – 60 mos @ 4.99% your payment will be roughly $18.87 monthly per $1,000 borrowed
Motorcycle – 60 mos @ 3.99% your payment will be roughly $18.41 monthly per $1,000 borrowed
Please use our Loan Payment Calculator for additional scenarios relevant to your unique needs.

Term guidelines for VL (Vehicle Loan) Applications: 61-72 months minimum loan amount $10K. 73-84 months minimum loan amount $15K.

Annual Percentage Rate (APR) Calculations above have been based on a loan amount of $10,000 for the maximum term listed and account for a VSI Fee of $39. Your APR will vary depending on your loan amount, interest rate & loan term.

For First Time Auto Buyers & No (FICO) Score Applicants: 60m max term.

For Auto, Truck, Motorcycle, ATV, Personal Watercraft & Snowmobiles, where model year is older than 2004: Unsecured Loan Rates apply.

Model Year	Term	Rate	APR¹
2015 & Newer	12 - 36 Months	as low as 2.19%	2.45%
2015 & Newer	37 - 60 Months	as low as 2.49%	2.65%
2015 & Newer	61 - 72 Months	as low as 2.99%	3.12%
2015 & Newer	73 - 84 Months	as low as 3.49%	3.60%
2011-2014	12 - 36 Months	as low as 2.69%	2.95%
2011-2014	37 - 60 Months	as low as 2.99%	3.15%
2011-2014	61 - 72 Months	as low as 3.49%	3.62%
2007-2010	12 - 36 Months	as low as 3.69%	3.95%
2007-2010	37 - 60 Months	as low as 3.99%	4.15%
2004-2006	12 - 48 Months	as low as 5.49%	5.69%
¹APR=Annual Percentage Rate. All rates advertised are based upon borrowers qualifications and loan amount. Get up to $500 cash back and make no payments for 90 days. Click here for details. APR Calculations above have been based on a loan amount of $10,000 for the maximum term listed and account for a VSI Fee of $39. Your APR will vary depending on your loan amount, interest rate & loan term. Term guidelines for VL (Vehicle Loan) Applications: 61-72 months minimum loan amount $10K. 73-84 months minimum loan amount $15K. Payment Example: 60 months @ 2.49% your payment will be roughly $18.41 monthly per $1000 borrowed. Please use our Loan Payment Calculator for additional scenarios relevant to your unique needs. For First Time Auto Buyers & No (FICO) Score Applicants: 60m max term. For Auto, Truck, Motorcycle, ATV, Personal Watercraft & Snowmobiles, where model year is older than 2004: Unsecured Loan Rates apply.

Model Year

Term

Rate

APR¹

2015 & Newer

12 - 36 Months

as low as 2.19%

2.45%

2015 & Newer

37 - 60 Months

as low as 2.49%

2.65%

2015 & Newer

61 - 72 Months

as low as 2.99%

3.12%

2015 & Newer

73 - 84 Months

as low as 3.49%

3.60%

2011-2014

12 - 36 Months

as low as 2.69%

2.95%

2011-2014

37 - 60 Months

as low as 2.99%

3.15%

2011-2014

61 - 72 Months

as low as 3.49%

3.62%

2007-2010

12 - 36 Months

as low as 3.69%

3.95%

2007-2010

37 - 60 Months

as low as 3.99%

4.15%

2004-2006

12 - 48 Months

as low as 5.49%

5.69%

¹APR=Annual Percentage Rate. All rates advertised are based upon borrowers qualifications and loan amount.

Get up to $500 cash back and make no payments for 90 days. Click here for details.

Term guidelines for VL (Vehicle Loan) Applications: 61-72 months minimum loan amount $10K. 73-84 months minimum loan amount $15K.

Payment Example:

60 months @ 2.49% your payment will be roughly $18.41 monthly per $1000 borrowed.

Please use our Loan Payment Calculator for additional scenarios relevant to your unique needs.

For First Time Auto Buyers & No (FICO) Score Applicants: 60m max term.

For Auto, Truck, Motorcycle, ATV, Personal Watercraft & Snowmobiles, where model year is older than 2004: Unsecured Loan Rates apply.