Your Community

Local. Loyal. Long-standing.

3Rivers has been a proud fixture in northeast Indiana since 1935. We love the communities we serve, our neighbors, and the pride that exists in our region. We are proud to give back to our communities—and to our members.

The credit union difference.

Although we do a lot of the same things banks do, credit unions have some big differences we think you’ll appreciate. We’re about people helping people – about Main Street versus Wall Street. We’re owned by our members, not by stockholders. That means everything that benefits 3Rivers benefits 3Rivers' members. Learn more about the credit union difference here.

3Rivers stands out even further because of the many ways we give back to our community through:

  • 1% cash back on all loans
  • SwitchKit to make switching your accounts over easier
  • Online tools to help you budget, prepare taxes, calculate rates, and more.
  • Volunteerism, sponsorships and grants to hundreds of local non-profit organizations

Becoming a member is easy!

If you live, work, or go to school in the Indiana counties of Adams, Allen, DeKalb, Huntington, Noble, Wells, or Whitley, or work for a company that offers 3Rivers membership as a benefit to its employees in Auglaize County, Ohio, you already qualify to be a 3Rivers member. Just stop in to one of our branches or start your relationship with us online.

 Click Here to Become a Member  

Once you've opened an account with us, you're a member. And we can't wait to welcome you!

Already a 3Rivers Member?

Switch your direct deposits and automated payments to 3Rivers with our digital SwitchKit.


Flagstar Member looking to Switch?

We'd love to welcome you to 3Rivers, and for a limited time, we're offering Flagstar customers who make the switch $300* for becoming a member!


* Limited time offer, and may end with out advance notice. Account Opening incentive of $300 available to qualifying new members. In branch account openings must bring existing Wells Fargo or Flagstar checks and/or a debit card at time of account opening. Online account openings must fund 3Rivers account using a Wells Fargo or Flagstar account. Minimum opening balance of $50 required. Must have direct deposit or mobile check deposit totaling at least $200 per month. 3Rivers Standard and HSA Checking accounts are not eligible. Payout will be within 30 days of account opening and once all eligibility requirements are met. Account must remain open and in good standing for at least 6 months or incentive funds will be charged back at time of closure. Offer void if the person has had any existing 3Rivers checking account open within the last 6 months. 3Rivers employees are excluded. Payout may be considered interest and, as such, 3Rivers will be providing an IRS form 1099 INT. Please consult with your tax preparer with any questions. Learn more about qualifications at