Message: All 3Rivers branches will be closed Jan. 20 in observance of Martin Luther King Day and will reopen Jan. 21 for regular business hours. ATMs and mobile banking will be available 24/7. Click Here to Learn More Click Here to Learn More

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.



*Offer valid on consumer-purpose new money vehicle loans including auto, truck, RV/camper, boat, motorcycle, ATV, personal watercraft, and/or snowmobile or refinances of same from another financial institution. If refinancing an existing 3Rivers loan, a minimum of $5,000 new money is required to get the cash back. Only new money is valid for the 1% cash back. Rebate will be credited to member within 30 days of loan disbursement. Loan must remain at 3Rivers for a minimum of 180 days or rebate amount will be added to the loan upon payoff. No other offers/discounts apply, including rate discounts. Minimum loan amount of $5,000. Maximum cash back of $500 per financed loan. 3Rivers reserves the right to amend, suspend, or discontinue offer at any time.
APR=Annual Percentage Rate. All rates advertised are based upon borrowers qualifications and loan amount.