Credit union · NCUA insured
3Rivers Federal Credit Union CD Rates
3Rivers Federal Credit Union’s best CD rate is 3.75% APY on a 6-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 15, 2026.
How 3Rivers Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Fort Wayne, IN, where 3Rivers Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
3Rivers Federal Credit Union
3.75%APY
- Term
- 6 months
- Minimum
- $500
- Earns on $10,000
- $186
Share Certificates
Top rate
Public Service Credit Union
6.00%APY
- Term
- 11 months
- Minimum
- $20
- Earns on $10,000
- $549
2nd-highest rate
GreenWay Bank
4.50%APY
- Term
- 12 months
- Minimum
- $1,000
- Earns on $10,000
- $450
3Rivers Federal Credit Union CD score
80
CD score
Higher than 51% of U.S. banks and credit unions
- 3–8 months3–8 mo3.75%
- 9–15 months9–15 mo3.75%
- 16–30 months16–30 mo2.75%
- 31–60 months31–60 mo3.50%
- QualifiedQualified3.75%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where 3Rivers Federal Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Share Certificates
Up to 3.75%APY · 11 terms
Early withdrawal penalty applies and varies by term (Under 1 year = 30 days' dividends; 12-36 months = 180 days' dividends; over 36 months = 365 days' dividends; Any Purpose Savings = 90 days' dividends). Dividends compound daily and deposit on the last business day of each month. Automatic renewal at maturity.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsEarly withdrawal penalty is 30 days' dividends | 2.50% | $62 |
| 6–24 monthsAny Purpose Savings Certificate: allows term ranging from 6 to 24 months, allows adding funds throughout term; upon renewal, renews at a 3-month term; early withdrawal penalty is 90 days' dividends | 2.25% | $112 |
| 6 monthsEarly withdrawal penalty is 30 days' dividends | 3.75% | $186 |
| 11 months11-Month Safety Certificate: Available to both consumer and business members. Upon renewal, will renew as the 11-Month Certificate. Account must be open at least 30 days to be eligible for penalty-free withdrawal. Entire balance must be closed to withdraw funds penalty-free | 3.25% | $298 |
| 12 monthsEarly withdrawal penalty is 180 days' dividends | 3.75% | $375 |
| 18 monthsEarly withdrawal penalty is 180 days' dividends | 2.50% | $377 |
| 24 monthsEarly withdrawal penalty is 180 days' dividends | 2.50% | $506 |
| 30 monthsEarly withdrawal penalty is 180 days' dividends | 2.75% | $702 |
| 36 monthsEarly withdrawal penalty is 180 days' dividends | 3.50% | $1,087 |
| 48 monthsEarly withdrawal penalty is 365 days' dividends | 2.75% | $1,146 |
| 60 monthsEarly withdrawal penalty is 365 days' dividends | 3.00% | $1,593 |
Sources (2)
All captured Oct 15, 2026
Special-purpose accounts
IRA Certificates
Up to 3.50%APY · 8 terms
IRA certificates exclude the Any Purpose Savings Certificate, 3 month Certificate and 11 month safety certificates. Early withdrawal penalty applies based on term (Under 1 year = 30 days' dividends; 12-36 months = 180 days' dividends; over 36 months = 365 days' dividends). Dividends compound daily and deposit on the last business day of each month. Automatic renewal at maturity.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsEarly withdrawal penalty is 30 days' dividends | 3.50% | $173 |
| 12 monthsEarly withdrawal penalty is 180 days' dividends | 3.50% | $350 |
| 18 monthsEarly withdrawal penalty is 180 days' dividends | 2.00% | $301 |
| 24 monthsEarly withdrawal penalty is 180 days' dividends | 2.00% | $404 |
| 30 monthsEarly withdrawal penalty is 180 days' dividends | 2.25% | $572 |
| 36 monthsEarly withdrawal penalty is 180 days' dividends | 2.25% | $690 |
| 48 monthsEarly withdrawal penalty is 365 days' dividends | 2.25% | $931 |
| 60 monthsEarly withdrawal penalty is 365 days' dividends | 2.50% | $1,314 |
Sources (2)
All captured Sep 18, 2026
Who can join 3Rivers Federal Credit Union
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