Rate & Fee Disclosure
Truth In Savings Disclosure (PDF)
Student Loans
| Type | Term | Loan Amount | Rate (As Low As) | APR |
|---|---|---|---|---|
| Private Student Loan - Variable | $1,000 - $60,000 |
7.24%(1)(2) | ||
| Private Student Loan - Fixed | $1,000 - $40,000 | 5.99% | ||
| Student Loan Refinance (Federal & Private) | 12 - 60 months | Minimum $5,000(3) | 7.54% | 8.37%(4) |
| Student Loan Refinance (Federal & Private) | 61 - 120 months | Minimum $10,000(3) | 8.04% | 8.27%(4) |
| Student Loan Refinance (Federal & Private) | 121 - 180 months | Minimum $15,000(3) | 8.54% | 8.65%(4) |
Apply for New Loan Refi Existing Loan
(1) The Annual Percentage Rate is subject to change after consummation. Your interest rate is variable and may be adjusted quarterly on each January 1, April 1, July 1 and October 1 (Adjustment Date) based on the Prime index as published in the Wall Street Journal on the first business day of the month immediately prior to the Adjustment Date (e.g., December, March, June and September). Any increase in the index may increase the APR and the amount of your monthly payment.
(2) The "Index" for the quarter beginning April 1, 2024, is 8.50%, which was the Prime index published in the Wall Street Journal on the first business day of March 1st, 2024. Current offered rate(s) are calculated by using the Index, Margin and Floor value(s) in effect. Your specific Interest Rate and/or credit approval depends upon the credit qualifications of the student borrower and co-borrower (if applicable). The APR will not exceed 18.00%, or fall below the Floor rate (currently 4.99%) regardless of the Index. Margin will be disclosed at account opening.
(3) Total loan amount considered will be subject to a $100,000 unsecured aggregate limit (excludes credit cards).
(4) APR shown is calculated using the 'as low as' rate, the maximum term, the minimum amount, and a $99 loan processing fee. Your rate is fixed at the time of loan origination and will be determined based on your Loan Term & FICO score/data obtained from your credit file. No Early Payoff Penalties.
Membership required, to learn more visit www.3riversfcu.org/join
Student Loans
| Type | Term | Loan Amount | Rate (As Low As) | APR |
|---|---|---|---|---|
| Private Student Loan - Variable | $1,000 - $60,000 |
7.24%(1)(2) | ||
| Private Student Loan - Fixed | $1,000 - $40,000 | 5.99% | ||
| Student Loan Refinance (Federal & Private) | 12 - 60 months | Minimum $5,000(3) | 7.54% | 8.37%(4) |
| Student Loan Refinance (Federal & Private) | 61 - 120 months | Minimum $10,000(3) | 8.04% | 8.27%(4) |
| Student Loan Refinance (Federal & Private) | 121 - 180 months | Minimum $15,000(3) | 8.54% | 8.65%(4) |
Apply for New Loan Refi Existing Loan
(1) The Annual Percentage Rate is subject to change after consummation. Your interest rate is variable and may be adjusted quarterly on each January 1, April 1, July 1 and October 1 (Adjustment Date) based on the Prime index as published in the Wall Street Journal on the first business day of the month immediately prior to the Adjustment Date (e.g., December, March, June and September). Any increase in the index may increase the APR and the amount of your monthly payment.
(2) The "Index" for the quarter beginning April 1, 2024, is 8.50%, which was the Prime index published in the Wall Street Journal on the first business day of March 1st, 2024. Current offered rate(s) are calculated by using the Index, Margin and Floor value(s) in effect. Your specific Interest Rate and/or credit approval depends upon the credit qualifications of the student borrower and co-borrower (if applicable). The APR will not exceed 18.00%, or fall below the Floor rate (currently 4.99%) regardless of the Index. Margin will be disclosed at account opening.
(3) Total loan amount considered will be subject to a $100,000 unsecured aggregate limit (excludes credit cards).
(4) APR shown is calculated using the 'as low as' rate, the maximum term, the minimum amount, and a $99 loan processing fee. Your rate is fixed at the time of loan origination and will be determined based on your Loan Term & FICO score/data obtained from your credit file. No Early Payoff Penalties.
Membership required, to learn more visit www.3riversfcu.org/join
Student Loans
| Type | Term | Loan Amount | Rate (As Low As) | APR |
|---|---|---|---|---|
| Private Student Loan - Variable | $1,000 - $60,000 |
7.24%(1)(2) | ||
| Private Student Loan - Fixed | $1,000 - $40,000 | 5.99% | ||
| Student Loan Refinance (Federal & Private) | 12 - 60 months | Minimum $5,000(3) | 7.54% | 8.37%(4) |
| Student Loan Refinance (Federal & Private) | 61 - 120 months | Minimum $10,000(3) | 8.04% | 8.27%(4) |
| Student Loan Refinance (Federal & Private) | 121 - 180 months | Minimum $15,000(3) | 8.54% | 8.65%(4) |
Apply for New Loan Refi Existing Loan
(1) The Annual Percentage Rate is subject to change after consummation. Your interest rate is variable and may be adjusted quarterly on each January 1, April 1, July 1 and October 1 (Adjustment Date) based on the Prime index as published in the Wall Street Journal on the first business day of the month immediately prior to the Adjustment Date (e.g., December, March, June and September). Any increase in the index may increase the APR and the amount of your monthly payment.
(2) The "Index" for the quarter beginning April 1, 2024, is 8.50%, which was the Prime index published in the Wall Street Journal on the first business day of March 1st, 2024. Current offered rate(s) are calculated by using the Index, Margin and Floor value(s) in effect. Your specific Interest Rate and/or credit approval depends upon the credit qualifications of the student borrower and co-borrower (if applicable). The APR will not exceed 18.00%, or fall below the Floor rate (currently 4.99%) regardless of the Index. Margin will be disclosed at account opening.
(3) Total loan amount considered will be subject to a $100,000 unsecured aggregate limit (excludes credit cards).
(4) APR shown is calculated using the 'as low as' rate, the maximum term, the minimum amount, and a $99 loan processing fee. Your rate is fixed at the time of loan origination and will be determined based on your Loan Term & FICO score/data obtained from your credit file. No Early Payoff Penalties.
Membership required, to learn more visit www.3riversfcu.org/join
Student Loans
| Type | Term | Loan Amount | Rate (As Low As) | APR |
|---|---|---|---|---|
| Private Student Loan - Variable | $1,000 - $60,000 |
7.24%(1)(2) | ||
| Private Student Loan - Fixed | $1,000 - $40,000 | 5.99% | ||
| Student Loan Refinance (Federal & Private) | 12 - 60 months | Minimum $5,000(3) | 7.54% | 8.37%(4) |
| Student Loan Refinance (Federal & Private) | 61 - 120 months | Minimum $10,000(3) | 8.04% | 8.27%(4) |
| Student Loan Refinance (Federal & Private) | 121 - 180 months | Minimum $15,000(3) | 8.54% | 8.65%(4) |
Apply for New Loan Refi Existing Loan
(1) The Annual Percentage Rate is subject to change after consummation. Your interest rate is variable and may be adjusted quarterly on each January 1, April 1, July 1 and October 1 (Adjustment Date) based on the Prime index as published in the Wall Street Journal on the first business day of the month immediately prior to the Adjustment Date (e.g., December, March, June and September). Any increase in the index may increase the APR and the amount of your monthly payment.
(2) The "Index" for the quarter beginning April 1, 2024, is 8.50%, which was the Prime index published in the Wall Street Journal on the first business day of March 1st, 2024. Current offered rate(s) are calculated by using the Index, Margin and Floor value(s) in effect. Your specific Interest Rate and/or credit approval depends upon the credit qualifications of the student borrower and co-borrower (if applicable). The APR will not exceed 18.00%, or fall below the Floor rate (currently 4.99%) regardless of the Index. Margin will be disclosed at account opening.
(3) Total loan amount considered will be subject to a $100,000 unsecured aggregate limit (excludes credit cards).
(4) APR shown is calculated using the 'as low as' rate, the maximum term, the minimum amount, and a $99 loan processing fee. Your rate is fixed at the time of loan origination and will be determined based on your Loan Term & FICO score/data obtained from your credit file. No Early Payoff Penalties.
Membership required, to learn more visit www.3riversfcu.org/join
Student Loans
| Type | Term | Loan Amount | Rate (As Low As) | APR |
|---|---|---|---|---|
| Private Student Loan - Variable | $1,000 - $60,000 |
7.24%(1)(2) | ||
| Private Student Loan - Fixed | $1,000 - $40,000 | 5.99% | ||
| Student Loan Refinance (Federal & Private) | 12 - 60 months | Minimum $5,000(3) | 7.54% | 8.37%(4) |
| Student Loan Refinance (Federal & Private) | 61 - 120 months | Minimum $10,000(3) | 8.04% | 8.27%(4) |
| Student Loan Refinance (Federal & Private) | 121 - 180 months | Minimum $15,000(3) | 8.54% | 8.65%(4) |
Apply for New Loan Refi Existing Loan
(1) The Annual Percentage Rate is subject to change after consummation. Your interest rate is variable and may be adjusted quarterly on each January 1, April 1, July 1 and October 1 (Adjustment Date) based on the Prime index as published in the Wall Street Journal on the first business day of the month immediately prior to the Adjustment Date (e.g., December, March, June and September). Any increase in the index may increase the APR and the amount of your monthly payment.
(2) The "Index" for the quarter beginning April 1, 2024, is 8.50%, which was the Prime index published in the Wall Street Journal on the first business day of March 1st, 2024. Current offered rate(s) are calculated by using the Index, Margin and Floor value(s) in effect. Your specific Interest Rate and/or credit approval depends upon the credit qualifications of the student borrower and co-borrower (if applicable). The APR will not exceed 18.00%, or fall below the Floor rate (currently 4.99%) regardless of the Index. Margin will be disclosed at account opening.
(3) Total loan amount considered will be subject to a $100,000 unsecured aggregate limit (excludes credit cards).
(4) APR shown is calculated using the 'as low as' rate, the maximum term, the minimum amount, and a $99 loan processing fee. Your rate is fixed at the time of loan origination and will be determined based on your Loan Term & FICO score/data obtained from your credit file. No Early Payoff Penalties.
Membership required, to learn more visit www.3riversfcu.org/join
Student Loans
| Type | Term | Loan Amount | Rate (As Low As) | APR |
|---|---|---|---|---|
| Private Student Loan - Variable | $1,000 - $60,000 |
7.24%(1)(2) | ||
| Private Student Loan - Fixed | $1,000 - $40,000 | 5.99% | ||
| Student Loan Refinance (Federal & Private) | 12 - 60 months | Minimum $5,000(3) | 7.54% | 8.37%(4) |
| Student Loan Refinance (Federal & Private) | 61 - 120 months | Minimum $10,000(3) | 8.04% | 8.27%(4) |
| Student Loan Refinance (Federal & Private) | 121 - 180 months | Minimum $15,000(3) | 8.54% | 8.65%(4) |
Apply for New Loan Refi Existing Loan
(1) The Annual Percentage Rate is subject to change after consummation. Your interest rate is variable and may be adjusted quarterly on each January 1, April 1, July 1 and October 1 (Adjustment Date) based on the Prime index as published in the Wall Street Journal on the first business day of the month immediately prior to the Adjustment Date (e.g., December, March, June and September). Any increase in the index may increase the APR and the amount of your monthly payment.
(2) The "Index" for the quarter beginning April 1, 2024, is 8.50%, which was the Prime index published in the Wall Street Journal on the first business day of March 1st, 2024. Current offered rate(s) are calculated by using the Index, Margin and Floor value(s) in effect. Your specific Interest Rate and/or credit approval depends upon the credit qualifications of the student borrower and co-borrower (if applicable). The APR will not exceed 18.00%, or fall below the Floor rate (currently 4.99%) regardless of the Index. Margin will be disclosed at account opening.
(3) Total loan amount considered will be subject to a $100,000 unsecured aggregate limit (excludes credit cards).
(4) APR shown is calculated using the 'as low as' rate, the maximum term, the minimum amount, and a $99 loan processing fee. Your rate is fixed at the time of loan origination and will be determined based on your Loan Term & FICO score/data obtained from your credit file. No Early Payoff Penalties.
Membership required, to learn more visit www.3riversfcu.org/join
Student Loans
| Type | Term | Loan Amount | Rate (As Low As) | APR |
|---|---|---|---|---|
| Private Student Loan - Variable | $1,000 - $60,000 |
7.24%(1)(2) | ||
| Private Student Loan - Fixed | $1,000 - $40,000 | 5.99% | ||
| Student Loan Refinance (Federal & Private) | 12 - 60 months | Minimum $5,000(3) | 7.54% | 8.37%(4) |
| Student Loan Refinance (Federal & Private) | 61 - 120 months | Minimum $10,000(3) | 8.04% | 8.27%(4) |
| Student Loan Refinance (Federal & Private) | 121 - 180 months | Minimum $15,000(3) | 8.54% | 8.65%(4) |
Apply for New Loan Refi Existing Loan
(1) The Annual Percentage Rate is subject to change after consummation. Your interest rate is variable and may be adjusted quarterly on each January 1, April 1, July 1 and October 1 (Adjustment Date) based on the Prime index as published in the Wall Street Journal on the first business day of the month immediately prior to the Adjustment Date (e.g., December, March, June and September). Any increase in the index may increase the APR and the amount of your monthly payment.
(2) The "Index" for the quarter beginning April 1, 2024, is 8.50%, which was the Prime index published in the Wall Street Journal on the first business day of March 1st, 2024. Current offered rate(s) are calculated by using the Index, Margin and Floor value(s) in effect. Your specific Interest Rate and/or credit approval depends upon the credit qualifications of the student borrower and co-borrower (if applicable). The APR will not exceed 18.00%, or fall below the Floor rate (currently 4.99%) regardless of the Index. Margin will be disclosed at account opening.
(3) Total loan amount considered will be subject to a $100,000 unsecured aggregate limit (excludes credit cards).
(4) APR shown is calculated using the 'as low as' rate, the maximum term, the minimum amount, and a $99 loan processing fee. Your rate is fixed at the time of loan origination and will be determined based on your Loan Term & FICO score/data obtained from your credit file. No Early Payoff Penalties.
Membership required, to learn more visit www.3riversfcu.org/join
Student Loans
| Type | Term | Loan Amount | Rate (As Low As) | APR |
|---|---|---|---|---|
| Private Student Loan - Variable | $1,000 - $60,000 |
7.24%(1)(2) | ||
| Private Student Loan - Fixed | $1,000 - $40,000 | 5.99% | ||
| Student Loan Refinance (Federal & Private) | 12 - 60 months | Minimum $5,000(3) | 7.54% | 8.37%(4) |
| Student Loan Refinance (Federal & Private) | 61 - 120 months | Minimum $10,000(3) | 8.04% | 8.27%(4) |
| Student Loan Refinance (Federal & Private) | 121 - 180 months | Minimum $15,000(3) | 8.54% | 8.65%(4) |
Apply for New Loan Refi Existing Loan
(1) The Annual Percentage Rate is subject to change after consummation. Your interest rate is variable and may be adjusted quarterly on each January 1, April 1, July 1 and October 1 (Adjustment Date) based on the Prime index as published in the Wall Street Journal on the first business day of the month immediately prior to the Adjustment Date (e.g., December, March, June and September). Any increase in the index may increase the APR and the amount of your monthly payment.
(2) The "Index" for the quarter beginning April 1, 2024, is 8.50%, which was the Prime index published in the Wall Street Journal on the first business day of March 1st, 2024. Current offered rate(s) are calculated by using the Index, Margin and Floor value(s) in effect. Your specific Interest Rate and/or credit approval depends upon the credit qualifications of the student borrower and co-borrower (if applicable). The APR will not exceed 18.00%, or fall below the Floor rate (currently 4.99%) regardless of the Index. Margin will be disclosed at account opening.
(3) Total loan amount considered will be subject to a $100,000 unsecured aggregate limit (excludes credit cards).
(4) APR shown is calculated using the 'as low as' rate, the maximum term, the minimum amount, and a $99 loan processing fee. Your rate is fixed at the time of loan origination and will be determined based on your Loan Term & FICO score/data obtained from your credit file. No Early Payoff Penalties.
Membership required, to learn more visit www.3riversfcu.org/join
* Individuals under age 18 are exempt from these fees.
** Fee applies when overdraft is created by check, in-person withdrawal, or other electronic means.
***Fee applies when overdraft is created during an ATM or one-time debit transaction. Affirmative consent (opt-in) is required.
**** A Non 3Rivers transaction is considered an inquiry, transfer, deposit or withdrawal on any non-3Rivers owned ATM. This fee does not apply to transactions on Rhythm (Epic) or Livin' Free Checking Accounts.
***** A Point-of-Sale (POS) transaction can mean a retail shop, a checkout counter in a shop, or the location where a transaction occurs. More specifically, the point-of-sale often refers to the hardware and software used for checkouts – the equivalent of an electronic cash register.
****** No activity on account for 12 months. IRA accounts and accounts with $1,000+ in assets or primary owner is under the age of 18 are exempt from this fee.