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3 Rivers Federal Credit Union

Fort Wayne's member-owned credit union since 1935.

3 Rivers Federal Credit Union has served Fort Wayne and northeast Indiana since 1935. With $2B+ in assets and 120K+ members, 3 Rivers delivers personal banking, auto loans, home mortgages, and business services — all with the rates and personal service only a member-owned credit union can provide.

Online Banking Member Login
3 Rivers Federal Credit Union online banking login
1935Founded
$2B+Assets
120K+Members
20+Branches

3 Rivers Federal Credit Union — Account Services

Log in to manage your accounts, loans, and services from one secure dashboard.

Personal Banking

Checking, savings, and money market accounts with competitive dividend rates. No unnecessary fees for 3 Rivers members.

Auto Loans

Consistently competitive auto loan rates on new, used, and refinanced vehicles with same-day decisions and no prepayment penalties.

Home Mortgages

Purchase mortgages, refinancing, and home equity products with local underwriting and fast closings throughout northeast Indiana.

Student Banking

Student checking, savings, and education loans for Fort Wayne area students with no minimum balance requirements.

Business Banking

Business checking, savings, commercial lending, and treasury services for Fort Wayne small businesses.

Digital Banking

Mobile app with remote deposit, Zelle, bill pay, card controls, and 24/7 account access for all 3 Rivers members.

Banking Built for Our Community

3 Rivers Federal Credit Union exists for one reason — to serve the people of northeast Indiana. Every dollar you deposit stays local, funding auto loans, mortgages, and business lending in your community. Member-owned means profits go back to members, not shareholders.

Online Banking
$500M+
In auto loans funded
98%
Member satisfaction
1935
Serving Fort Wayne
20+
Branch locations

About 3 Rivers Federal Credit Union

3 Rivers Federal Credit Union was founded in 1935 and has grown into one of northeast Indiana's largest credit unions with $2B+ in assets and 120K+ members. 3 Rivers serves Fort Wayne and surrounding communities with personal banking, auto loans, home mortgages, and business banking.

  • ✓ Serving customers since 1935
  • ✓ $2B+ in total assets
  • ✓ 120K+ members / customers
  • ✓ 20+ branch locations
Online Banking
3 Rivers Federal Credit Union

What Members Say

"3 Rivers beat every bank in Fort Wayne on my auto loan rate by more than a point. Fast approval, easy process. I'm a member for life."

Mike S.
Member, Fort Wayne IN

"Refinanced my mortgage through 3 Rivers and saved over $200 a month. Local team, fast closing, no games."

Brenda K.
Homeowner, Fort Wayne IN

"The mobile app is excellent — remote deposit, Zelle, spending alerts. Better than my old bank and the rates are genuinely better."

Josh T.
Member since 2018
256-bit SSL
Every 3 Rivers FCU session encrypted end to end.
MFA
Two-step verification on every login.
FDIC/NCUA
Deposits insured up to $250,000.
Fraud Alerts
Real-time monitoring on every account.

3 Rivers Federal Credit Union — FAQ

Common questions about 3 Rivers FCU online banking and account access.

Click Member Login or Online Banking on this page. Enter your username/member number and password, then complete two-step verification. New customers can enroll at the official 3 Rivers FCU website.
Use the Member Login or Online Banking buttons on this page to reach the secure 3 Rivers FCU login portal. Once signed in, you can view all your accounts from a single dashboard.
3 Rivers membership is open to anyone who lives, works, worships, or attends school in Allen, DeKalb, Huntington, Noble, Whitley, or Wells counties in Indiana. Family members of current members also qualify.
The ABA routing number for 3 Rivers Federal Credit Union is 274974581. Use it for direct deposit, ACH transfers, wire transfers, and electronic payments.
Yes. 3 Rivers Federal Credit Union is federally insured by the NCUA. Deposits are insured up to $250,000 per member. 3 Rivers uses 256-bit encryption and multi-factor authentication on all digital banking.
Yes. Auto lending is a 3 Rivers strength — consistently among the best rates in northeast Indiana for new and used vehicles with same-day decisions and no prepayment penalties.

Join 3 Rivers Federal Credit Union

Fort Wayne's credit union since 1935. Competitive rates, low fees, and member-first banking.

Online Banking Member Login