An independent member guide to 3Rivers Federal Credit Union — rates, routing number, online-banking login help and accounts across Indiana and Ohio.
Explore 3Rivers financial solutions
Rewarding personal checking
Checking & savingsMortgage options that fit you
Home loansEasy auto financing
Auto loansEarn more with certificates
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View all ratesWhy 3Rivers?
As a member-owned cooperative founded in 1936, 3Rivers gives back by investing time, resources and support to help Indiana and Ohio communities grow stronger.
Scholarship & community giving
3Rivers gives back by awarding scholarships and investing in the community.
Financial wellness education
Easy-to-understand guidance for every stage of your financial journey.
3Rivers history since 1936
Roots and a mission serving the Fort Wayne community from day one.
We're not a bank — we're a cooperative
Member-owned and not-for-profit. 3Rivers reinvests earnings into better rates, lower fees and community investment.
3Rivers Federal Credit Union
3Rivers Federal Credit Union (also written Three Rivers Federal Credit Union) is a member-owned, not-for-profit credit union founded in 1936 and headquartered in Fort Wayne, Indiana, serving more than 136,000 members across Indiana and Ohio. This is an independent member guide covering the 3Rivers routing number, online-banking login, rates and accounts — it is not the official site.
What 3Rivers Federal Credit Union offers
- Routing number 274973222 — for 3Rivers direct deposit, ACH and wire transfers. See the routing number page.
- 3Rivers online & mobile banking — sign in on the official site; our 3Rivers login guide covers the safe steps.
- Checking & savings — rewarding personal checking, savings and share certificates (as high as 3.50% APY).
- Home loans, auto & personal loans — mortgages as low as 6.370% APR, auto as low as 5.74% APR.
- Mastercard credit cards — rewards on fuel, dining and travel, as low as 18.00% APR.
- Business & investments — business banking, cash management and retirement plans.
- Branches & ATMs — 25 locations across Indiana and Ohio plus a shared network.
Overview & key facts
3Rivers Federal Credit Union is one of northeast Indiana's largest credit unions, chartered in 1936 and based in Fort Wayne. According to the National Credit Union Administration, member deposits are federally insured; 3Rivers reports roughly $2.8 billion in assets and serves more than 136,000 members through 25 branches across Indiana and Ohio. Background is available on the official NCUA site.
About 3Rivers online banking
3Rivers digital banking lets members pay bills, deposit checks, manage cards and move money. Sign-in happens only on the official 3Rivers website — this guide links you there and never shows a password field.
Go to 3Rivers online banking sign in › · Find the routing number › · Branches & ATMs ›
3Rivers Federal Credit Union — FAQ
- What is the 3Rivers routing number?
- 274973222 — used for direct deposit, ACH and wires on every 3Rivers account. Details on the routing number page.
- How do I log in to 3Rivers online banking?
- Sign in on the official 3Rivers site. Our login guide walks through the safe steps and what the credit union never asks for.
- Is 3Rivers federally insured?
- Yes. Deposits are insured by the NCUA, a U.S. government agency, up to applicable limits.
- Where is 3Rivers located?
- Headquartered in Fort Wayne, Indiana, with 25 branches across Indiana and Ohio. See locations.