Manage your wealth where it stays.
Membership at 3Rivers Federal Credit Union represents more than a transaction; it is a fractional ownership stake. Here, common profits are returned to you through higher yields and lower rates, keeping our local economy resilient.
Daily Liquidity & Checking
Our checking accounts eliminate "balance anxiety" by removing hidden maintenance fees. We focus on tiered options that reward your natural spending and saving habits.
Member Benefit
Every checking account at 3riversfcu includes access to our extensive local ATM network and digital management tools for real-time oversight.
Essential Checking
Pure, uncomplicated banking for members who want straightforward access without monthly fees or minimum balance requirements.
- No monthly service fees
- Instant-issue debit card
- Mobile check deposit
Yield+ Checking
For members who maintain higher balances and want their daily cash to work harder through competitive interest rates.
- Tiered interest based on balance
- ATM fee reimbursements
- Overdraft protection options
Growth Vs. Liquidity
Choosing the right savings vehicle depends on when you need your money. 3Rivers Federal Credit Union provides options ranging from emergency accessibility to high-yield term deposits.
The Foundation
Perfect for emergency funds. Your money is reachable at a moment’s notice, while earning foundational interest that outpaces national commercial banks.
Open AccountThe Engine
Maximum liquidity meets accelerated growth. A money market account offers higher interest rates than standard savings while maintaining check-writing privileges.
View TiersThe Vault
Lock in a guaranteed rate for a set period. Our certificates offer the highest yields for members who can commit their capital for specific terms.
Lock A Rate
Future Preservation with IRAs
At 3Rivers Federal Credit Union, Individual Retirement Accounts (IRAs) are treated as collaborative long-term journeys. We focus on tax-advantaged wealth preservation rather than speculative market timing.
Whether you are beginning your career or consolidating assets for retirement, our team helps you navigate the distinctions between Traditional and Roth IRAs to find the best fit for your family's future.
Traditional IRA
Potentially tax-deductible contributions with deferred taxes on earnings until withdrawal.
Roth IRA
Contributions from after-tax income, providing tax-free growth and qualified withdrawals.
Federally Insured by NCUA
Coverage up to $250,000 per member
The same stability as the FDIC, delivered through our local credit union framework. Your assets are backed by the full faith of the United States government.
Your membership starts here.
Experience banking that prioritizes regional economic health over corporate profit. Reach out to our New York office to begin your application today.
Visit Us
123 Main Street, Suite 400
New York, NY 10004, USA
Speak with Us
+1-212-557-9615
info@3rfcu.group
Banking Hours
Mon-Fri: 9:00-18:00
Sat-Sun: Closed