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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	3.875%	4.945%
7/1 ARM	4.125%	4.902%
30 Year Fixed (Conforming)	4.625%	4.796%
20 Year Fixed (Conforming)	4.500%	4.733%
15 Year Fixed (Conforming)	4.000%	4.293%
10 Year Fixed (Conforming)	3.875%	4.298%
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.

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.	as low as 5.50%	5.728%
Interest Only Home Equity LOC	$10,000 - $250,000	120 month term loan. Monthly payment will be all accrued yet unpaid finance charges due.	as low as 5.50%	5.825%
Closed End Second Mortgage	$10,000 - $200,000	60 months	as low as 5.75%	6.365%
Closed End Second Mortgage	$20,000 - $200,000	120 months	as low as 5.75%	5.914%
Closed End Second Mortgage	$50,000 - $200,000	180 months	as low as 6.00%	6.047%
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, plus a margin. Index plus margin equals the Interest Rate. Current prime is 5.50%. 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, depending on how the loan proceeds are used, you may be able to 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 5.50%. 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. *Payment Examples:* Closed End Real Estate – 120 mos @ 5.75% your payment will roughly be $10.98 monthly per $1,000 borrowed. The APR has been calculated using the minimum loan amount and the maximum term listed. Your APR will vary depending on the loan amount, interest rate & loan term.

Unsecured Lines of Credit	APR¹
$1,000 minimum - $3,000 maximum	as low as 11.70%
Unsecured Term Loan
12 - 36 months, $1,000 minimum loan amount	as low as 10.94%
37 - 60 months, $5,000 minimum loan amount	as low as 11.44%
61 - 72 months, $10,000 minimum loan amount	as low as 11.94%
Apply for your 3Rivers Unsecured Loan Apply for your 3Rivers Unsecured Loan ¹APR=Annual Percentage Rate. All rates advertised are based upon borrowers qualifications. ²LOC = Line of Credit Payment Example(s): Term – 60 months @ 10.89% your payment will be roughly $21.69 monthly per $1,000 borrowed Please use our Loan Payment Calculator for additional scenarios relevant to your unique needs.

Perk	Description
Annual Percentage Rate¹	As low as 13.20% 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
Apply for a 3Rivers Platinum MasterCard Apply for a 3Rivers Platinum MasterCard ¹Annual Percentage Rate based on credit worthiness at the time you open the account.

Model Years	Term	Minimum Loan Amount	Rate	APR¹
2016 & Newer	12 - 36 months	$5,000	as low as 3.19%	3.70%
2016 & Newer	37 - 60 months	$5,000	as low as 3.49%	3.81%
2016 & Newer	61 - 72 months	$10,000	as low as 3.89%	4.02%
2016 & Newer	73 - 84 months	$15,000	as low as 4.39%	4.47%
2012-2015	12 - 36 months	$5,000	as low as 3.69%	4.21%
2012-2015	37 - 60 months	$5,000	as low as 3.99%	4.31%
2012-2015	61 - 72 months	$10,000	as low as 4.39%	4.52%
2008-2011	12 - 36 months	$5,000	as low as 4.49%	5.01%
2008-2011	37 - 60 months	$5,000	as low as 4.79%	5.11%
2005-2007	12 - 48 months	$5,000	as low as 6.29%	6.69%
2004 & Older	12 - 48 months	$5,000	as low as 10.54%	10.95%
Apply for a 3Rivers Auto & Truck Loan Apply for a 3Rivers Auto & Truck Loan 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 45 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. Payment Example: Vehicle - 60 months @ 2.94% your payment will be roughly $17.94 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	Minimum Loan Amount	Rate	APR¹
2016 & Newer*	12 - 72 months	$5,000	as low as 5.54%	5.81%
2016 & Newer*	73 - 96 months	$10,000	as low as 6.04%	6.15%
2016 & Newer*	97 - 144 months	$15,000	as low as 6.54%	6.59%
2016 & Newer*	145 - 180 months	$25,000	as low as 7.04%	7.07%
Apply for a 3Rivers Camper/RV Loan Apply for a 3Rivers Camper/RV Loan ¹APR=Annual Percentage Rate. * For Camper / RV loans where model year is from 2013 to 2015 add 1% to the listed rates. For Camper / RV loans where model year is 2012 or older add 2% to the listed rates. Payment Examples Camper/RV – 60 month @ 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: 61-72 months minimum loan amount $10K. 73-84 months minimum loan amount $15K. 85-144 months minimum loan amount $20K.

Type	Balance	Rate	Term
Undergraduate Private Student Loan - Variable	$1,000 - $60,000	as low as 5.74%⁽¹⁾⁽²⁾
Undergraduate Private Student Loan - Fixed	$1,000 - $40,000	as low as 6.99%
Graduate Private Student Loan	$1,000 - $60,000	as low as 5.74%⁽¹⁾⁽²⁾
Student Loan Refinance (Federal & Private)	$5,000 - $100,000³	as low as 4.49%⁴	60 months
Student Loan Refinance (Federal & Private)	$5,000 - $100,000³	as low as 4.99%⁴	120 months
Student Loan Refinance (Federal & Private)	$5,000 - $100,000³	as low as 5.69%⁴	180 months
Apply for a 3Rivers Student Loan Apply for a 3Rivers Student 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) The "Index" for the quarter beginning July 1st, 2018, is 4.75%, which was the Prime index published in the Wall Street Journal on the first business day of June 2018. 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 (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/.

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.

Balance¹	Dividend Rate²	APY³
Up to $9,999.99	0.10%	0.10%
$10,000 to $24,999.99	0.20%	0.20%
$25,000 to $49,999.99	0.25%	0.25%
$50,000 to $74,999.99	0.30%	0.30%
$75,000.00 +	0.40%	0.40%
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 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.

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.

Term	Minimum Balance to Open	Dividend Rate¹	APY²
3 Month	$500	0.30%	0.30%
6 Month	$500	0.65%	0.65%
12 Month	$1,000	0.90%	0.90%
18 Month	$1,000	1.09%	1.10%
24 Month	$1,000	1.29%	1.30%
30 Month	$1,000	1.39%	1.40%
36 Month	$1,000	1.49%	1.50%
48 Month	$1,000	1.59%	1.60%
60 Month	$1,000	1.73%	1.75%
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. 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. IRA options available only on consumer certificates.

Balance¹	Dividend Rate²	APY³
$10,000-$34,999.99	0.25%	0.25%
$35,000-$74,999.99	0.30%	0.30%
$75,000 to $124,999.99	0.40%	0.40%
$125,000 to $499.999.99	0.50%	0.50%
$500.000+	0.75%	0.75%
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 - $99,999.99	0.25%	0.25%
$100,000 - $249,999.99	2.00%	2.02%
$250,000 - $499,999.99	2.25%	2.27%
$500,000 - $999,999,999.99	2.50%	2.53%
1 A $100,000 minimum balance is required to open. Dividends calculated on daily balance, compounded daily and credited to account at month end. Dividends begin to accrue upon deposit. If the balance falls below the minimum for the tier, the dividend rate drops to the rate of the lower tier. Index Money Market rates are variable and set by the Federal Funds Index, which means the rate will align with market interest rates, and not arbitrarily set by the credit union. A $25 monthly maintence fee will incur for balances falling below $100,000. 2 Variable rate account, rate is subject to change anytime after account opening. Rate is aligned with the Federal Reserve Fed Funds Rate and adjusts at the first of the month following any Federal Reserve rate adjustment. 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.