Credit union · NCUA insured
3Rivers Federal Credit Union
A $2.8B credit union, the 178th largest of 4,329, headquartered in Fort Wayne, IN, with 138,447 members and 25 branches in 2 states. Best rates: CDs 3.75% and savings 1.00% APY.
3Rivers Federal Credit Union Carrot Score
80
Carrot Score
Higher than 50% of U.S. banks and credit unions
#9 of 23 in Fort Wayne, IN metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About 3Rivers Federal Credit Union
Founded in 1935 by co-workers pooling resources, 3Rivers Federal Credit Union is a member-owned cooperative headquartered in Fort Wayne, Indiana.
The credit union operates 24 branch locations serving Northeast, Central, and East Central Indiana, as well as St. Marys, Ohio.
- Headquarters
- 1605 Northland Blvd, Fort Wayne, IN 46825
- NCUA charter
- 159
Branches
25 branches in 2 states
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Indiana
24 branches
Fort Wayne area · 13
- Northland EastMain office1605 Northland Blvd, Fort Wayne, IN 46825Directions
- Bluffton2030 Commerce Dr, Bluffton, IN 46714Directions
- Columbia City275 Frontage Rd, Columbia City, IN 46725Directions
- Dupont3750 E Dupont Rd, Fort Wayne, IN 46825Directions
- East State Village1130 E State Blvd, Fort Wayne, IN 46805Directions
- Harrison Square301 W Jefferson Blvd, Suite 150, Fort Wayne, IN 46802Directions
- Northland West1615 Northland Blvd, Fort Wayne, IN 46825Directions
- Scott Road10373 W State Road 14, Fort Wayne, IN 46814Directions
- St Joe Center5703 YMCA Park Drive E, Fort Wayne, IN 46835Directions
- Stellhorn Crossing9112 Stellhorn Crossing Pkwy, Fort Wayne, IN 46815Directions
- Waynedale5005 Bluffton Rd, Fort Wayne, IN 46809Directions
- West Jefferson8080 W Jefferson Blvd, Fort Wayne, IN 46804Directions
- New Haven10915 Isabelle Dr, New Haven, IN 46774Directions
Richmond area · 3
- Hagerstown10 E Main St, Hagerstown, IN 47346Directions
- Richmond Central34 S 7th St, Richmond, IN 47374Directions
- Richmond Eastside101 S 37th St, Richmond, IN 47374Directions
Indianapolis area · 2
- Fortville585 W Broadway St, Fortville, IN 46040Directions
- Pendleton700 Henderson Way, Pendleton, IN 46064Directions
Angola area · 1
- Angola2998 Boyer Way, Angola, IN 46703Directions
Auburn area · 1
- Auburn204 Touring Dr, Auburn, IN 46706Directions
Decatur area · 1
- Decatur860 S 13th St, Decatur, IN 46733Directions
Kendallville area · 1
- Kendallville551 W North St, Kendallville, IN 46755Directions
Liberty area · 1
- Liberty207 N Main St, Liberty, IN 47353Directions
Muncie area · 1
- Muncie6220 W McGalliard Rd, Muncie, IN 47304Directions
Ohio
1 branch
- Saint Marys420 Greenville Rd, St. Marys, OH 45885Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 13.88% | 10.86% | 12.59% or more |
| Troubled loans60+ days late | 1.47% | 0.70% | 0.46% or less |
| ProfitabilityReturn on assets | 1.98% | 0.82% | 1.16% or more |
| LendingLoans per $100 deposited | $86 | $88 | — |
- CapitalNet worth ratio13.88%Peers’ middle 10.86% · Top 25% 12.59%+
- Troubled loans60+ days late1.47%Peers’ middle 0.70% · Top 25% ≤0.46%
- ProfitabilityReturn on assets1.98%Peers’ middle 0.82% · Top 25% 1.16%+
- LendingLoans per $100 deposited$86Peers’ middle $88
Compared with the 479 credit unions with $1 billion or more in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of 3Rivers Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.