Does 3Rivers offer IRAs?

Yes. Three Rivers offers Traditional and Roth IRA options for retirement savings; contribution limits and tax treatment depend on your situation and current IRS rules.

Are investments at 3Rivers NCUA insured?

No. Investment and insurance products are not deposits, are not NCUA insured, are not obligations of the credit union and may lose value. Only deposit accounts are federally insured by the NCUA.

Can I speak with a financial advisor through 3Rivers?

Yes. 3Rivers members can access financial-advisor services for retirement and investment planning; advisory services are offered through the credit union investment program rather than by named individuals here.

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3Rivers Investments & Retirement

Q: What investment and retirement services does 3Rivers offer?

3Rivers investments and retirement services include IRAs, retirement and investment planning, access to financial advisors, wealth-management guidance and insurance options for members in Indiana and Ohio.

3Rivers Investments & Retirement brings together the planning services Three Rivers Federal Credit Union offers members — IRAs, retirement and investment planning, access to financial advisors, wealth management and insurance. This is an independent member guide, not the official 3Rivers site, and it does not provide financial advice.

Important disclosure: Investment and insurance products are not deposits, not NCUA insured, not obligations of the credit union, and may lose value. Only deposit accounts at 3Rivers are federally insured by the NCUA. Confirm all product details with the credit union before investing.

Planning services for members

Saving in a checking or share account covers the near term, but longer goals — retirement, education, building wealth — usually call for a plan. 3Rivers connects members with investment and retirement planning so decisions about risk, time horizon and contributions are made deliberately rather than left to chance. The categories below outline what is typically available.

A useful way to think about the difference is insurance versus growth. The federally insured deposit side of Three Rivers protects the money you cannot afford to lose, while the investment side aims for long-term growth in exchange for accepting market risk. Most members use both: an emergency fund and short-term savings in insured accounts, and retirement or wealth-building dollars in investments matched to a longer horizon. The right balance shifts with age, income and goals, which is exactly why a periodic review with an advisor is worthwhile.

Retirement planning

Map contributions and timelines toward retirement goals, coordinated with your other 3Rivers accounts.

IRAs

Traditional and Roth IRA options with different tax treatment to fit your retirement strategy.

Insurance

Life and related insurance options to help protect family and income against the unexpected.

IRAs and retirement accounts

Individual Retirement Accounts are a core retirement tool. A Traditional IRA may offer tax-deferred growth, while a Roth IRA can offer tax-free qualified withdrawals — the right choice depends on income, tax bracket and when you expect to retire. Three Rivers offers IRA options, and contribution limits follow current IRS rules. For the education side of long-term planning, see the financial education resources.

Common IRA considerations

Traditional vs. Roth tax treatment and how it fits your bracket.
Annual contribution limits set by the IRS, including catch-up amounts.
Time horizon and risk tolerance for the underlying investments.
How an IRA coordinates with any employer retirement plan.

Financial advisors and wealth management

For members who want guidance, 3Rivers provides access to financial-advisor services offered through the credit union investment program. Advisors can help review goals, build a diversified approach and revisit the plan as life changes. These services are described as a program rather than tied to named individuals here, and any recommendations come directly from licensed representatives.

Wealth-management support generally spans portfolio review, retirement income planning and coordination with tax and estate considerations. Because these products carry investment risk, they sit alongside — not inside — the federally insured deposit side of the credit union.

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Start with membership

Investment and planning services are available to 3Rivers members. Opening an account is the first step toward accessing them.

Become a Member ›

The credit union behind the program

3Rivers serves more than 136,000 members and reports roughly $2.8 billion in assets across 25 branches. While investment products are not federally insured, the deposit side of Three Rivers is insured by the National Credit Union Administration up to applicable limits — see the official NCUA site. That combination lets members keep insured savings and longer-term investments under one member-owned cooperative founded in 1936.

1936

Founded

136,000+

Members

$2.8B

Assets

IRA

Retirement options

3Rivers investments — FAQ

What investment services does 3Rivers offer?: IRAs, retirement and investment planning, advisor access, wealth management and insurance. Learn more about 3Rivers.
Does 3Rivers offer IRAs?: Yes — Traditional and Roth IRA options, with limits set by current IRS rules.
Are investments NCUA insured?: No. Investment and insurance products are not deposits, not NCUA insured and may lose value. Only deposit accounts are insured.
Can I talk to an advisor?: Yes. Members can access financial-advisor services through the credit union investment program after joining via membership.