Credit union · NCUA insured
3Rivers Federal Credit Union Savings Rates
3Rivers Federal Credit Union’s best savings rate is 1.00% APY on $10,000, with its Money Market. Rates checked October 15, 2026.
How 3Rivers Federal Credit Union’s savings 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
1.00%APY
- Minimum
- $5,000
- Earns on $10,000 a year
- $100
Money Market
Top rate
GreenWay Bank
4.25%APY
- Minimum
- $5,000
- Earns on $10,000 a year
- $425
2nd-highest rate
Flagstar Bank
4.00%APY
- Minimum
- $1
- Earns on $10,000 a year
- $400
3Rivers Federal Credit Union savings score
84
Savings score
Higher than 66% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0001.00%
- $100,000 balance$100,0001.75%
- QualifiedQualified1.00%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Jumbo Money Market
0.25%APY
A $100,000 minimum balance is required to open. Dividends calculated on daily balance, compounded daily and credited to account at month end. If the balance falls below the minimum for the tier, the dividend rate drops to the rate of the lower tier. A $25 monthly maintenance fee will incur for balances falling below $100,000.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $100,000A $25 monthly maintenance fee will incur for balances falling below $100,000. | 0.25% | $25 | A $25 monthly maintenance fee will incur for balances falling below $100,000. |
| $100,000 – $250,000A $25 monthly maintenance fee will incur for balances falling below $100,000. | 1.75% | — | A $25 monthly maintenance fee will incur for balances falling below $100,000. |
| $250,000 – $500,000A $25 monthly maintenance fee will incur for balances falling below $100,000. | 2.00% | — | A $25 monthly maintenance fee will incur for balances falling below $100,000. |
| $500,000 – $2,000,000A $25 monthly maintenance fee will incur for balances falling below $100,000. | 2.25% | — | A $25 monthly maintenance fee will incur for balances falling below $100,000. |
| $2,000,000 – $5,000,000A $25 monthly maintenance fee will incur for balances falling below $100,000. | 2.50% | — | A $25 monthly maintenance fee will incur for balances falling below $100,000. |
| $5,000,000 and upA $25 monthly maintenance fee will incur for balances falling below $100,000. | 3.00% | — | A $25 monthly maintenance fee will incur for balances falling below $100,000. |
Sources (1)
- 3riversfcu.org/personal/savings/money-market · captured Oct 5, 2026
Money Market
1.00%APY
A $5,000 minimum balance is required to open. If balance falls below $5,000 during the month, the dividend rate drops to the Standard Savings rate and a $10 monthly maintenance fee is incurred. If the balance falls below the minimum for the tier, the rate drops to lower tier. Daily compounding credited monthly.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5,000 – $25,000A $10 monthly maintenance fee will be incurred on balances less than $5,000. | 1.00% | $100 | A $10 monthly maintenance fee will be incurred on balances less than $5,000. |
| $25,000 – $45,000A $10 monthly maintenance fee will be incurred on balances less than $5,000. | 1.10% | — | A $10 monthly maintenance fee will be incurred on balances less than $5,000. |
| $45,000 – $65,000A $10 monthly maintenance fee will be incurred on balances less than $5,000. | 1.20% | — | A $10 monthly maintenance fee will be incurred on balances less than $5,000. |
| $65,000 – $85,000A $10 monthly maintenance fee will be incurred on balances less than $5,000. | 1.30% | — | A $10 monthly maintenance fee will be incurred on balances less than $5,000. |
| $85,000 – $125,000A $10 monthly maintenance fee will be incurred on balances less than $5,000. | 1.40% | — | A $10 monthly maintenance fee will be incurred on balances less than $5,000. |
| $125,000 and upA $10 monthly maintenance fee will be incurred on balances less than $5,000. | 1.50% | — | A $10 monthly maintenance fee will be incurred on balances less than $5,000. |
Sources (1)
- 3riversfcu.org/personal/savings/money-market · captured Oct 5, 2026
Money Plus
0.55%APY
A $10,000 minimum balance is required to open. May issue up to 3 checks per month. If balance falls below $10,000 any time during the month, dividend rates become equal to stated Standard Savings rate and a $15 monthly maintenance fee is incurred. Daily compounding credited monthly.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $10,000 – $35,000A $15 monthly maintenance fee will incur for balances falling below $10,000. | 0.55% | $55 | A $15 monthly maintenance fee will incur for balances falling below $10,000. |
| $35,000 – $75,000A $15 monthly maintenance fee will incur for balances falling below $10,000. | 0.60% | — | A $15 monthly maintenance fee will incur for balances falling below $10,000. |
| $75,000 – $125,000A $15 monthly maintenance fee will incur for balances falling below $10,000. | 0.70% | — | A $15 monthly maintenance fee will incur for balances falling below $10,000. |
| $125,000 – $500,000A $15 monthly maintenance fee will incur for balances falling below $10,000. | 0.75% | — | A $15 monthly maintenance fee will incur for balances falling below $10,000. |
| $500,000 and upA $15 monthly maintenance fee will incur for balances falling below $10,000. | 0.85% | — | A $15 monthly maintenance fee will incur for balances falling below $10,000. |
Sources (1)
- 3riversfcu.org/personal/savings/money-market · captured Oct 5, 2026
Standard Savings
0.10%APY
Dividends calculated on daily balance, compounded monthly, credited monthly. Monthly fee is $5, waived if any of the following apply: receive eStatements, minimum daily balance of at least $500, individual combined relationship balance of at least $2,500, account is 60 days old or less, primary owner is under age 18, or primary owner of an active 3Rivers consumer checking account.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceMonthly fee of $5 waived with eStatements, $500 daily account balance, $2,500 combined relationship balance, account age <= 60 days, owner under age 18, or active consumer checking ownership.Any balance | 0.10% | $10 | Monthly fee of $5 waived with eStatements, $500 daily account balance, $2,500 combined relationship balance, account age <= 60 days, owner under age 18, or active consumer checking ownership. |
Sources (3)
All captured Oct 5, 2026
Special-purpose accounts
Individual Retirement Accounts
0.25%APY
No minimum balance required to open or maintain. Variable rate account; rate subject to change after opening. Dividends calculated on daily balance, compounded monthly, credited monthly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceTraditional IRA. 2026 contribution limit: $7,500 under 50, $8,600 age 50+.Any balance | 0.25% | $25 | Traditional IRA. 2026 contribution limit: $7,500 under 50, $8,600 age 50+. |
Sources (2)
All captured Oct 5, 2026
Livin' Free Savings
0.24%APY on $10,000
Available to members ages 0-25. Limited to one Livin' Free Savings Account per individual tax owner. Members under 18 require parent or guardian co-owner. Automatically converts to Standard Savings on 26th birthday. Dividends calculated daily, compounded and credited monthly.
| Part of the balance | Rate on that part |
|---|---|
| Up to $500 | 2.96% |
| Over $500 | 0.10% |
On $10,000 the tiers blend to about 0.24% APY, earning $24 a year.
Sources (3)
- 3riversfcu.org/personal/savings/livin-free-savings
- 3riversfcu.org/personal/savings
- 3riversfcu.org/rates
All captured Oct 5, 2026
Who can join 3Rivers Federal Credit Union
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