What credit cards does 3Rivers offer?

3Rivers Federal Credit Union offers Mastercard credit cards with rewards on fuel, dining and travel, low rates as low as 18.00% APR, balance-transfer options, contactless tap-to-pay and 24/7 fraud protection.

What is the APR on a 3Rivers Mastercard?

The 3Rivers Mastercard has rates as low as 18.00% APR as of August 2026. Your actual APR depends on credit and card type, so verify current terms on the official 3Rivers site.

Does the 3Rivers Mastercard allow balance transfers?

Yes. Three Rivers Federal Credit Union Mastercard cards support balance transfers so you can consolidate higher-rate balances from other cards into one 3Rivers payment.

Is the 3Rivers Mastercard protected against fraud?

Every 3Rivers Mastercard includes Mastercard zero-liability fraud protection, contactless payment and card controls in online banking. 3Rivers will never ask for your full card number, PIN or one-time passcode by phone, text or email.

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3Rivers Credit Cards — Mastercard Rewards & Rates

3Rivers credit cards — the Mastercard lineup from 3Rivers Federal Credit Union (also written Three Rivers Federal Credit Union) — combine rewards on everyday spending with a low rate as low as 18.00% APR. This independent member guide explains the 3Rivers Mastercard rewards, balance transfers, contactless payment and fraud protection. 3Rivers is a member-owned, not-for-profit cooperative founded in 1936 in Fort Wayne, Indiana, and this page is not the official site.

What the 3Rivers Mastercard gives you

Fuel rewards

Earn rewards every time you fill up, turning routine gas stops into points or cash back you can actually use.

Dining rewards

Meals out and takeout add up — the 3Rivers Mastercard rewards dining so your everyday spending works harder.

Travel rewards

Book flights, hotels and rideshare with Mastercard acceptance worldwide and rewards on your travel spend.

Low rate as low as 18.00% APR

A competitive Mastercard rate keeps carried balances more affordable than many big-bank rewards cards.

Balance transfers

Move higher-rate balances from other cards into one 3Rivers Mastercard payment to simplify and save.

Contactless tap-to-pay

Tap to check out in seconds, or add your card to a mobile wallet for secure, contactless payments anywhere.

Fraud protection on every 3Rivers Mastercard

Each 3Rivers Mastercard carries Mastercard zero-liability protection, so you are not held responsible for unauthorized purchases when reported promptly. Members can freeze a lost card, set alerts and manage controls inside 3Rivers online banking. Sign-in happens only on the official 3Rivers website — this guide links you there and never shows a card or password field.

Member Awareness: 3Rivers will never call, text or email you asking for your full card number, PIN, one-time passcode, username or password. If someone does, it is a scam — manage your card safely inside 3Rivers online banking.

Card controls in the 3Rivers mobile app and online banking let you do more than watch for fraud after the fact. You can toggle a card on or off in seconds if it goes missing, set spending and transaction alerts, restrict purchases by category or region, and add the card to Apple Pay, Google Pay or Samsung Wallet for tokenized, contactless checkout. Because Three Rivers Federal Credit Union issues on the Mastercard network, the card is accepted at millions of merchants worldwide, and disputed or unauthorized charges are handled through Mastercard's zero-liability policy when you report them promptly. None of these controls require sharing your credentials with anyone — the credit union manages them for you inside the secure app.

Is a Three Rivers Federal Credit Union Mastercard right for you?

You want rewards without a big-bank APR — earn on fuel, dining and travel while keeping a rate as low as 18.00% APR.
You carry a balance elsewhere — a balance transfer can consolidate higher-rate debt into one payment.
You value contactless and card controls — tap-to-pay plus freeze, alerts and mobile wallet support.
You bank locally — a member-owned cooperative serving Indiana and Ohio, not a distant national issuer.

Apply for a 3Rivers card

Membership is open to people who live, work, worship or attend school across the 3Rivers Indiana and Ohio field of membership.

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How membership works ›

3Rivers Mastercard at a glance

3Rivers Federal Credit Union has served northeast Indiana since 1936 and is based in Fort Wayne. According to the National Credit Union Administration, member accounts are federally insured; 3Rivers reports roughly $2.8 billion in assets and serves more than 136,000 members across Indiana and Ohio. Regulatory background is available on the official NCUA site, and the credit union operates under NMLS ID 556303.

18.00%

Mastercard APR as low as

Zero

Liability fraud cover

136,000+

Members

NCUA

Federally insured

Rates as of August 2026 — verify current card terms on the official 3Rivers site. Compare full pricing on the 3Rivers rates page, find the routing number 274973222, explore loans, or return to the member guide home.

3Rivers credit cards — FAQ

What credit cards does 3Rivers offer?: Mastercard credit cards with rewards on fuel, dining and travel, low APR, balance transfers, contactless pay and fraud protection. See full pricing on the rates page.
What is the APR on a 3Rivers Mastercard?: As low as 18.00% APR as of August 2026. Your actual APR depends on credit and card type — verify on the official site.
Can I do a balance transfer?: Yes. Move higher-rate balances from other cards into one 3Rivers Mastercard payment to simplify and save.
How is my card protected?: Mastercard zero-liability fraud protection plus freeze, alerts and controls in online banking. 3Rivers never asks for your PIN or passcode.