What are the current 3Rivers rates?

As of August 2026, 3Rivers Mastercard credit cards start at 18.00% APR, mortgages at 6.370% APR, auto loans at 5.74% APR, and share certificates earn up to 3.50% APY. Always verify on the official 3Rivers site.

What APY do 3Rivers share certificates pay?

Three Rivers Federal Credit Union share certificates earn as high as 3.50% APY depending on term and balance. Rates change often, so confirm the current APY before you open one.

How low are 3Rivers auto loan rates?

3Rivers auto loan rates start as low as 5.74% APR for well-qualified members. Your actual APR depends on credit, term and vehicle age.

Are 3Rivers rates the same as a bank?

Because 3Rivers is a member-owned, not-for-profit credit union, earnings are reinvested into better loan and deposit rates rather than shareholder profit, which often means lower loan APRs and higher deposit APYs than a comparable bank.

Home › Rates

3Rivers Rates — Loans, Certificates & Savings

3Rivers rates — the loan APRs and deposit APYs published by 3Rivers Federal Credit Union (also written Three Rivers Federal Credit Union) — are summarized on this independent member guide so you can compare products before you apply. 3Rivers is a member-owned, not-for-profit cooperative founded in 1936 in Fort Wayne, Indiana, serving more than 136,000 members across Indiana and Ohio. This page is not the official site; always confirm current numbers with the credit union.

Rates as of August 2026 — verify on the official site. APR = Annual Percentage Rate. APY = Annual Percentage Yield. Your actual rate depends on credit history, term, balance and product.

Current 3Rivers rates at a glance

Mastercard credit card

Rewards on fuel, dining and travel with rates as low as 18.00% APR.

3Rivers credit cards ›

Mortgages & home loans

Fixed and adjustable home financing as low as 6.370% APR for qualified buyers.

Home loan rates ›

Auto loans

New and used vehicle financing starting as low as 5.74% APR.

Auto & personal loans ›

Share certificates

Lock in a guaranteed return earning as high as 3.50% APY.

Savings & certificates ›

Checking & savings

Rewarding personal checking and everyday savings with no hidden monthly maintenance surprises.

Compare accounts ›

Personal loans

Consolidate debt or cover a big expense with a fixed-rate 3Rivers personal loan and a set payoff date.

Personal loan options ›

How Three Rivers Federal Credit Union sets its rates

Because 3Rivers is a cooperative rather than a for-profit bank, the interest it earns on loans is returned to members as lower borrowing costs and higher deposit yields. Loan APRs are tiered by credit profile, term and collateral, while certificate APY rises with longer terms. That structure is why a well-qualified member can see an auto APR near 5.74% while a certificate can reach 3.50% APY. Posted numbers move with the market, so treat the figures here as a comparison starting point and confirm the live rate before you apply.

Deposit rates and loan rates at Three Rivers Federal Credit Union do not always move in step. When broader interest rates rise, certificate and savings APY tend to climb first, rewarding members who lock in a longer term; when rates ease, loan APRs on mortgages and auto financing often become the better story. The advantage of comparing every product in one place is that you can time a decision — for example, opening a share certificate while APY is high at 3.50%, or refinancing an auto balance while APR sits near 5.74%. This independent guide does not set or offer any of these rates; it summarizes what 3Rivers publishes so members and prospective members can plan before contacting the credit union directly.

What determines the rate you actually get

Credit history — a stronger score generally unlocks the lowest advertised 3Rivers APR tier.
Loan term — shorter auto and mortgage terms usually carry lower APRs; longer certificate terms pay higher APY.
Balance and down payment — more equity or a larger deposit can improve the offer.
Product type — secured loans (auto, mortgage) price below unsecured personal loans and credit cards.
Membership relationship — active checking and direct deposit can support the best pricing.

Ready to open an account?

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

Open an account ›

How membership works ›

3Rivers at a glance

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. Regulatory background is available on the official NCUA site, and the credit union operates under NMLS ID 556303.

5.74%

Auto APR as low as

6.370%

Mortgage APR as low as

3.50%

Certificate APY as high as

NCUA

Federally insured

Rates as of August 2026 — verify on the official 3Rivers site before applying. Need transfer details? See the 3Rivers routing number 274973222 or return to the member guide home.

3Rivers rates — FAQ

What are the current 3Rivers rates?: As of August 2026, Mastercard cards start at 18.00% APR, mortgages at 6.370% APR, auto loans at 5.74% APR and certificates earn up to 3.50% APY. Verify on the official site.
What APY do 3Rivers certificates pay?: Share certificates earn as high as 3.50% APY depending on term and balance. See savings & certificates.
How low are 3Rivers auto loan rates?: Auto loans start as low as 5.74% APR for well-qualified members. Details on the loans page.
Are credit union rates better than a bank?: As a not-for-profit cooperative, 3Rivers reinvests earnings into member pricing, which often means lower loan APRs and higher deposit APYs than a comparable bank.