What mortgage rates does 3Rivers Federal Credit Union offer?

3Rivers advertises mortgages as low as 6.370% APR for qualified buyers. Your rate depends on credit, loan term, down payment and whether you choose fixed or adjustable. Verify current rates on the official site.

Does 3Rivers help first-time home buyers?

Yes. Three Rivers Federal Credit Union offers first-time buyer guidance, low-down-payment options and pre-approval so you can shop with confidence across Indiana and Ohio.

Can I refinance my mortgage with 3Rivers?

Yes. 3Rivers refinances existing mortgages to lower a rate, shorten a term or tap equity with a HELOC. Compare your current payment against a 3Rivers quote before you apply.

What is the 3Rivers NMLS number?

3Rivers Federal Credit Union operates under NMLS #556303. The NMLS ID identifies the institution in the national mortgage licensing registry.

What is the difference between fixed and adjustable rate?

A fixed-rate mortgage keeps the same interest rate for the whole term, so your principal-and-interest payment never changes. An adjustable-rate mortgage starts lower for an intro period, then adjusts with the market.

Home › Home Loans

3Rivers Home Loans & Mortgage Rates

3Rivers Home Loans cover mortgages, first-time buyer programs, refinancing and home equity lines of credit from 3Rivers Federal Credit Union, with rates as low as 6.370% APR for qualified buyers. 3Rivers (also written Three Rivers Federal Credit Union) is a member-owned cooperative founded in 1936 and based in Fort Wayne, Indiana, operating under NMLS #556303 and serving more than 136,000 members across Indiana and Ohio. This is an independent member guide, not the official site.

3Rivers home loan options

Purchase mortgages — fixed and adjustable loans for buying a primary home, as low as 6.370% APR.
First-time buyer programs — low-down-payment options and guidance for members buying their first home.
Refinancing — lower your rate, shorten your term or switch from adjustable to fixed.
Home equity & HELOC — borrow against equity for renovations, tuition or consolidation.
Construction & land — financing to build or buy a lot in the Indiana and Ohio service area.
Pre-approval — know your budget before you shop and make a stronger offer.

Ways to finance a home with 3Rivers

Purchase mortgage

Buy a primary home with fixed or adjustable terms as low as 6.370% APR for qualified buyers.

See mortgage rates ›

First-time buyer

Low-down-payment options and step-by-step guidance for buying your first home.

Buyer resources ›

Refinance

Lower your rate, shorten your term or move from an adjustable loan to a fixed payment.

Compare rates ›

Home equity & HELOC

Tap the equity you have built for renovations, tuition or consolidating higher-rate debt.

Other loans ›

Construction & land

Financing to build a new home or buy a lot in the Indiana and Ohio service area.

Check membership ›

Pre-approval

Know your budget before you shop and make a stronger, more credible offer.

Set up deposits ›

3Rivers mortgage rates

Three Rivers Federal Credit Union advertises purchase mortgages as low as 6.370% APR for well-qualified buyers. As a not-for-profit cooperative, 3Rivers returns earnings to members through competitive rates instead of shareholder dividends, which is one reason credit unions often price mortgages tightly. Your actual rate depends on credit score, loan term, down payment size and whether you pick a fixed or adjustable loan. Rates move daily with the market, so treat any advertised number as a starting point and confirm a live quote before you lock. Because housing is the largest debt most households ever take on, even a fraction of a percent changes the total interest by thousands of dollars over 30 years.

Ready to start?

Mortgage applications are completed on the official 3Rivers site. Open membership first, or begin below — this guide never shows a form or asks for your details.

Apply Open an account

Fixed vs adjustable rate

A fixed-rate mortgage keeps the same interest rate for the entire term, so your principal-and-interest payment never changes — predictable, and popular when rates are reasonable. An adjustable-rate mortgage (ARM) starts with a lower intro rate for a set period, such as five or seven years, then adjusts with the market. An ARM can make sense if you expect to move or refinance before the adjustment, but it carries the risk of a higher payment later. Roughly 90% of U.S. home buyers choose a fixed-rate loan, according to mortgage industry data, because the certainty is worth the slightly higher starting rate for most families. Compare both against current 3Rivers rates before deciding.

First-time buyers and refinancing

First-time buyers often stall on the down payment and the paperwork. 3Rivers offers low-down-payment options, pre-approval and plain-language guidance so you know your budget before you tour a single home. If you already own, refinancing can lower your rate, shorten your term or convert an adjustable loan into a fixed one, and a home equity line of credit lets you borrow against the value you have built. Set up automatic mortgage payments from a 3Rivers account using routing number 274973222 — see the routing number guide. New to the credit union? Start with membership and browse financial education.

Talk to a 3Rivers lender

Members reach the mortgage team by phone at 1-800-825-3641 or at any of the 25 branches across Indiana and Ohio.

See all 3Rivers loans ›

Member Awareness: 3Rivers will never call, text or email you asking for a one-time passcode, password, username or full account number to "verify" a mortgage. Read the sign-in safety guide before you share anything.

3Rivers mortgage — key facts

6.370%

Mortgage APR as low as

556303

NMLS ID

1936

Founded

NCUA

Federally insured

3Rivers operates under NMLS #556303, and member deposits are federally insured by the NCUA up to applicable limits. Equal Housing Opportunity.

3Rivers Home Loans — FAQ

What mortgage rates does 3Rivers offer?: As low as 6.370% APR for qualified buyers; your rate depends on credit, term and down payment. Check current rates.
Does 3Rivers help first-time buyers?: Yes — low-down-payment options, pre-approval and guidance across Indiana and Ohio. See resources.
Can I refinance with 3Rivers?: Yes. Refinance to lower a rate, shorten a term or tap equity with a HELOC. Compare your payment against a quote first.
What is the 3Rivers NMLS number?: NMLS #556303 identifies Three Rivers Federal Credit Union in the national mortgage licensing registry.
Fixed or adjustable — which should I pick?: Fixed keeps one payment for the term; adjustable starts lower then changes. Most buyers choose fixed for certainty. See all loans.