Established with a focus on people
A Narrative of
Shared Ownership.
3Rivers Federal Credit Union is not a bank. We are a financial cooperative owned by the very people who pass through our doors. This distinction isn't just structural; it defines every rate we set and every piece of advice we give.
Our Structure
Prioritizes You.
In the commercial banking world, profits flow to external shareholders who may never step foot in our community. At 3Rivers, earnings are returned to our members in the form of lower interest rates on loans and higher yields on savings.
Explore Member BenefitsVolunteer Governance
Our Board of Directors consists of volunteers chosen from our membership. They live and work in the same neighborhoods as you, ensuring local economic logic drives our strategy.
Not-for-Profit
Because we don't face quarterly pressure from Wall Street, we can maintain thinner margins on products like mortgages and auto loans to favor your budget.
Community Bonds
Growth for 3Rivers Federal Credit Union is tied to the prosperity of our local area. We invest where our members live, work, and grow.
Financial Education
We are structurally obligated to provide financial support and guidance to all members, regardless of account balance or history.
A Tradition of Resilience.
The credit union movement began with a simple idea: that people who share a common bond could pool their resources to provide credit to one another. Three Rivers Federal Credit Union was built on this philosophy of mutual aid.
Over the years, while large retail banks have consolidated and moved their decision-making further away from local communities, we have remained anchored. We have navigated economic shifts not by seeking risks, but by staying true to our core mission of stability.
"The strength of 3riversfcu lies in the collective success of our members."
Member Governed
100% of our board consists of active, unpaid volunteers and members.
Locally Anchored
Decisions are made here, based on local knowledge rather than algorithms.
Direct Reinvestment
Earnings directly fund better rates and reduced fees for all account holders.
Ready to Join a
True Financial Cooperative?
Becoming a member of 3Rivers Federal Credit Union means more than just opening an account. It means taking your place in a professional community built on transparency and mutual success.
NCUA Insured
Equal Housing Lender
Member-Owned Since Inception
Connect With Us
Have questions about our history or eligibility? Our team at the main office is ready to help you navigate your transition to 3riversfcu.
- 123 Main Street, Suite 400, New York, NY 10004, USA
- +1-212-557-9615
- info@3rfcu.group
