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SCAM ALERT: Beware of calls and texts about fake toll fees or job offers, or those claiming to be from 3Rivers. We’ll never ask for your card number, PIN, online banking info, or codes. If something feels off, call us at 800.825.3641.

MESSAGE: All 3Rivers branches will be closed July 4 in observance of Independence Day and will reopen July 5 for regular business hours. ATMs and mobile banking will be available 24/7.

 Rate & Fee Disclosure 

Truth In Savings Disclosure (PDF)

Personal Loans

Last updated: 6/25/2025
Unsecured Loans Term Rate (As Low As) APR1 Apply
Unsecured Lines of Credit 13.77% 13.77 - 18%
Unsecured Term Loan 12 - 48 months,
$5,000* min loan amount
13.27% 14.34 - 18%
Unsecured Term Loan 49 - 60 months,
$5,000 min loan amount
13.77% 14.65 - 18%
Unsecured Term Loan 61 - 72 months,
$10,000 min loan amount
14.77% 15.15 - 18%

1APR=Annual Percentage Rate. All rates advertised are based upon borrowers’ qualifications and will depend on the minimum loan amount and the maximum term listed, and account for a loan processing fee of $99. Your APR will vary depending on your loan amount, interest rate & loan term. Personal loan rates will range from 13.27%-18%.

*Minimum loan amount of $5,000; minimum term is 12 months.

Assume you will borrow $12,000 with $99 loan processing fee; the loan amount will be $12,099. The calculated APR on a 48 month loan with an interest rate of 13.27% would be 13.71%. Please use our Loan Payment Calculator for additional scenarios relevant to your unique needs.

Membership required, to learn more visit www.3riversfcu.org/join

Personal Loans

Last updated: 6/25/2025
Unsecured Loans Term Rate (As Low As) APR1 Apply
Unsecured Lines of Credit 13.77% 13.77 - 18%
Unsecured Term Loan 12 - 48 months,
$5,000* min loan amount
13.27% 14.34 - 18%
Unsecured Term Loan 49 - 60 months,
$5,000 min loan amount
13.77% 14.65 - 18%
Unsecured Term Loan 61 - 72 months,
$10,000 min loan amount
14.77% 15.15 - 18%

1APR=Annual Percentage Rate. All rates advertised are based upon borrowers’ qualifications and will depend on the minimum loan amount and the maximum term listed, and account for a loan processing fee of $99. Your APR will vary depending on your loan amount, interest rate & loan term. Personal loan rates will range from 13.27%-18%.

*Minimum loan amount of $5,000; minimum term is 12 months.

Assume you will borrow $12,000 with $99 loan processing fee; the loan amount will be $12,099. The calculated APR on a 48 month loan with an interest rate of 13.27% would be 13.71%. Please use our Loan Payment Calculator for additional scenarios relevant to your unique needs.

Membership required, to learn more visit www.3riversfcu.org/join

Personal Loans

Last updated: 6/25/2025
Unsecured Loans Term Rate (As Low As) APR1 Apply
Unsecured Lines of Credit 13.77% 13.77 - 18%
Unsecured Term Loan 12 - 48 months,
$5,000* min loan amount
13.27% 14.34 - 18%
Unsecured Term Loan 49 - 60 months,
$5,000 min loan amount
13.77% 14.65 - 18%
Unsecured Term Loan 61 - 72 months,
$10,000 min loan amount
14.77% 15.15 - 18%

1APR=Annual Percentage Rate. All rates advertised are based upon borrowers’ qualifications and will depend on the minimum loan amount and the maximum term listed, and account for a loan processing fee of $99. Your APR will vary depending on your loan amount, interest rate & loan term. Personal loan rates will range from 13.27%-18%.

*Minimum loan amount of $5,000; minimum term is 12 months.

Assume you will borrow $12,000 with $99 loan processing fee; the loan amount will be $12,099. The calculated APR on a 48 month loan with an interest rate of 13.27% would be 13.71%. Please use our Loan Payment Calculator for additional scenarios relevant to your unique needs.

Membership required, to learn more visit www.3riversfcu.org/join

Personal Loans

Last updated: 6/25/2025
Unsecured Loans Term Rate (As Low As) APR1 Apply
Unsecured Lines of Credit 13.77% 13.77 - 18%
Unsecured Term Loan 12 - 48 months,
$5,000* min loan amount
13.27% 14.34 - 18%
Unsecured Term Loan 49 - 60 months,
$5,000 min loan amount
13.77% 14.65 - 18%
Unsecured Term Loan 61 - 72 months,
$10,000 min loan amount
14.77% 15.15 - 18%

1APR=Annual Percentage Rate. All rates advertised are based upon borrowers’ qualifications and will depend on the minimum loan amount and the maximum term listed, and account for a loan processing fee of $99. Your APR will vary depending on your loan amount, interest rate & loan term. Personal loan rates will range from 13.27%-18%.

*Minimum loan amount of $5,000; minimum term is 12 months.

Assume you will borrow $12,000 with $99 loan processing fee; the loan amount will be $12,099. The calculated APR on a 48 month loan with an interest rate of 13.27% would be 13.71%. Please use our Loan Payment Calculator for additional scenarios relevant to your unique needs.

Membership required, to learn more visit www.3riversfcu.org/join

Personal Loans

Last updated: 6/25/2025
Unsecured Loans Term Rate (As Low As) APR1 Apply
Unsecured Lines of Credit 13.77% 13.77 - 18%
Unsecured Term Loan 12 - 48 months,
$5,000* min loan amount
13.27% 14.34 - 18%
Unsecured Term Loan 49 - 60 months,
$5,000 min loan amount
13.77% 14.65 - 18%
Unsecured Term Loan 61 - 72 months,
$10,000 min loan amount
14.77% 15.15 - 18%

1APR=Annual Percentage Rate. All rates advertised are based upon borrowers’ qualifications and will depend on the minimum loan amount and the maximum term listed, and account for a loan processing fee of $99. Your APR will vary depending on your loan amount, interest rate & loan term. Personal loan rates will range from 13.27%-18%.

*Minimum loan amount of $5,000; minimum term is 12 months.

Assume you will borrow $12,000 with $99 loan processing fee; the loan amount will be $12,099. The calculated APR on a 48 month loan with an interest rate of 13.27% would be 13.71%. Please use our Loan Payment Calculator for additional scenarios relevant to your unique needs.

Membership required, to learn more visit www.3riversfcu.org/join

Personal Loans

Last updated: 6/25/2025
Unsecured Loans Term Rate (As Low As) APR1 Apply
Unsecured Lines of Credit 13.77% 13.77 - 18%
Unsecured Term Loan 12 - 48 months,
$5,000* min loan amount
13.27% 14.34 - 18%
Unsecured Term Loan 49 - 60 months,
$5,000 min loan amount
13.77% 14.65 - 18%
Unsecured Term Loan 61 - 72 months,
$10,000 min loan amount
14.77% 15.15 - 18%

1APR=Annual Percentage Rate. All rates advertised are based upon borrowers’ qualifications and will depend on the minimum loan amount and the maximum term listed, and account for a loan processing fee of $99. Your APR will vary depending on your loan amount, interest rate & loan term. Personal loan rates will range from 13.27%-18%.

*Minimum loan amount of $5,000; minimum term is 12 months.

Assume you will borrow $12,000 with $99 loan processing fee; the loan amount will be $12,099. The calculated APR on a 48 month loan with an interest rate of 13.27% would be 13.71%. Please use our Loan Payment Calculator for additional scenarios relevant to your unique needs.

Membership required, to learn more visit www.3riversfcu.org/join

Personal Loans

Last updated: 6/25/2025
Unsecured Loans Term Rate (As Low As) APR1 Apply
Unsecured Lines of Credit 13.77% 13.77 - 18%
Unsecured Term Loan 12 - 48 months,
$5,000* min loan amount
13.27% 14.34 - 18%
Unsecured Term Loan 49 - 60 months,
$5,000 min loan amount
13.77% 14.65 - 18%
Unsecured Term Loan 61 - 72 months,
$10,000 min loan amount
14.77% 15.15 - 18%

1APR=Annual Percentage Rate. All rates advertised are based upon borrowers’ qualifications and will depend on the minimum loan amount and the maximum term listed, and account for a loan processing fee of $99. Your APR will vary depending on your loan amount, interest rate & loan term. Personal loan rates will range from 13.27%-18%.

*Minimum loan amount of $5,000; minimum term is 12 months.

Assume you will borrow $12,000 with $99 loan processing fee; the loan amount will be $12,099. The calculated APR on a 48 month loan with an interest rate of 13.27% would be 13.71%. Please use our Loan Payment Calculator for additional scenarios relevant to your unique needs.

Membership required, to learn more visit www.3riversfcu.org/join

Personal Loans

Last updated: 6/25/2025
Unsecured Loans Term Rate (As Low As) APR1 Apply
Unsecured Lines of Credit 13.77% 13.77 - 18%
Unsecured Term Loan 12 - 48 months,
$5,000* min loan amount
13.27% 14.34 - 18%
Unsecured Term Loan 49 - 60 months,
$5,000 min loan amount
13.77% 14.65 - 18%
Unsecured Term Loan 61 - 72 months,
$10,000 min loan amount
14.77% 15.15 - 18%

1APR=Annual Percentage Rate. All rates advertised are based upon borrowers’ qualifications and will depend on the minimum loan amount and the maximum term listed, and account for a loan processing fee of $99. Your APR will vary depending on your loan amount, interest rate & loan term. Personal loan rates will range from 13.27%-18%.

*Minimum loan amount of $5,000; minimum term is 12 months.

Assume you will borrow $12,000 with $99 loan processing fee; the loan amount will be $12,099. The calculated APR on a 48 month loan with an interest rate of 13.27% would be 13.71%. Please use our Loan Payment Calculator for additional scenarios relevant to your unique needs.

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.

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