3Rivers Checking & Savings Accounts
3Rivers Checking & Savings Accounts cover the everyday deposit products at 3Rivers Federal Credit Union (also written Three Rivers Federal Credit Union) — rewarding personal checking, regular and money market savings, share certificates and youth savings. This is an independent member guide, not the official 3Rivers site; it explains how the accounts work, what they cost and how they are insured, then links you to the official site to open one.
As a member-owned cooperative founded in 1936 in Fort Wayne, Indiana, 3Rivers reinvests earnings into better deposit rates and lower fees rather than paying outside shareholders. Every account below is a share in that cooperative and is federally insured by the NCUA.
3Rivers deposit accounts at a glance
Whether you want a no-fee spending account, a place to grow an emergency fund or a locked-in certificate rate, Three Rivers has a deposit product to match. Here are the core options.
Rewarding personal checking
Everyday checking built for members, with no monthly maintenance fee on qualifying accounts, a debit card and access to online and mobile banking.
Manage it online ›Regular savings
The share savings account that establishes your membership. A $5 minimum share opens it and makes you a member-owner of 3Rivers.
How membership works ›Money market
A tiered savings option that pays more as your balance grows, while keeping funds available for when you need them.
Compare tiers ›Share certificates
Lock in a fixed return for a set term, with rates as high as 3.50% APY. Longer terms generally pay more.
See certificate rates ›Youth savings
An account designed to help children and teens build a savings habit early, with age-appropriate tools and no monthly fee.
Open for a child ›IRA & retirement savings
Tax-advantaged savings and certificate options that help members put money aside for retirement over the long term.
Explore all products ›Low fees, member-owned pricing
Because 3Rivers is not-for-profit, its deposit accounts are structured to keep everyday costs low. Typical member-friendly features include:
- No monthly maintenance fee on qualifying rewarding checking accounts.
- A single $5 share deposit to open your first savings account and become a member.
- Free online banking, mobile banking and e-statements on every deposit account.
- Surcharge-free ATM access through the credit union's shared branch and ATM network.
- Federal NCUA insurance on all deposits, up to applicable limits.
Direct deposit & transfers
To set up direct deposit or an ACH transfer into any 3Rivers checking or savings account, you need the 3Rivers routing number 274973222 plus your account number. Our routing number guide shows exactly where to find both.
Choosing between savings and a certificate usually comes down to access. A regular savings or money market account keeps your money liquid, so you can move it whenever you need it, while a share certificate rewards you with a higher fixed rate in exchange for leaving the deposit untouched for the full term. Many members at Three Rivers use both: an everyday checking account paired with regular savings for short-term goals, and one or more certificates laddered across different terms for money they will not need right away. Because every product is under the same membership, transferring between them inside online banking takes only a moment.
Deposit accounts — key facts
3Rivers Federal Credit Union serves more than 136,000 members and reports roughly $2.8 billion in assets, making it one of northeast Indiana's largest credit unions. Every checking and savings balance is federally insured by the National Credit Union Administration, a U.S. government agency. You can confirm the credit union's insured status on the official NCUA site.
How to open a 3Rivers checking or savings account
Opening starts with membership. If you live, work, worship or attend school in the 3Rivers field of membership across Indiana and Ohio, you qualify. Fund a $5 share to become a member-owner, then add checking, money market or a certificate. Full eligibility details are on our membership guide, and current pricing is on the rates page.
Account applications are completed on the official 3Rivers website — this independent guide never asks for personal or login details.
Ready to become a member?
Open your first account on the official 3Rivers site. A $5 share makes you a member-owner.
3Rivers checking & savings — FAQ
- What checking and savings accounts does 3Rivers offer?
- Rewarding personal checking, regular savings, money market, share certificates and youth savings — all NCUA insured. See the rates page for current terms.
- How much do I need to open an account?
- A $5 share opens your first savings account and establishes membership. Details on the membership guide.
- Which routing number do I use for transfers?
- Use 3Rivers routing number 274973222 for direct deposit, ACH and wires. See the routing number page.
- Can I manage my accounts online?
- Yes. Every 3Rivers deposit account includes free online and mobile banking — see our online banking guide.
Back to the 3Rivers member guide home.