Three Rivers Credit Union Saint Marys OH | Affordable Vehicle Loans & Business Banking

Introduction

At Three Rivers, we believe that financial well-being should be accessible to everyone in our community. Since opening our doors in 1935, we've dedicated ourselves to providing exceptional service and support to our members. Located at 420 Greenville Rd, Saint Marys, OH 45885, we are proud to serve over 133,000 members with a commitment to building strong financial futures. While you can visit us at our branch location, please send any official correspondence to PO Box 2573, Fort Wayne, IN 46801-2573. Our strong foundation is reflected in our impressive financial standing, with total assets reaching an astounding $2,466,250,024 and total deposits of $102,828,085. We understand the importance of trust and reliability in banking; that's why we maintain a net worth of $314,417,410 and keep $11,299,335 in cash readily available for your needs. Under the leadership of CEO Don Cates and Board President Brent Spindler, our dedicated team of 466 employees works tirelessly to provide personal banking services such as checking and savings accounts, auto loans, mortgage financing, and much more. We also understand that every member's journey is unique our wide range of loan options includes over 69,879 loans designed to meet diverse needs. At Three Rivers Credit Union, we are not just about numbers; we are about community impact and member satisfaction. Our goal is to empower individuals and families through every stage of their financial journey. Whether you need assistance with online banking or want to explore our various loan products, we are here for you. We invite you to discover how Three Rivers can make a difference in your life. Feel free to give us a call at 260-490-8328 or visit our website at 3riversfcu.org for more information. Together, let's build a brighter financial future!

Branch History & Mission

Commitment to Service

Our branch operates with a strong customer-centric approach. With convenient operating hours Monday through Friday from 9 AM to 6 PM and Saturday from 9 AM to 1 PM we are here when you need us most. Additionally, our drive-thru service makes banking even more accessible. As a member-focused institution with shared service centers available for your convenience, we stand ready to assist you with any financial questions or needs you may have.

Community Focus

At Three Rivers, we believe in giving back. We engage in numerous community outreach initiatives and partnerships that foster growth and opportunity in Saint Marys and beyond. Our team is dedicated not just to serving you financially but also to enriching the lives of those around us. We understand that digital access is crucial in today's world. That's why we've embraced technology with features like online banking, mobile payments, and e-statements. We're committed to ensuring all members can easily manage their finances whenever they choose.

Join Us!

We invite you to experience the benefits of being part of the Three Rivers family. Whether you're looking for personal banking solutions or business services tailored just for you, we're here to help every step of the way. Visit us today or learn more about membership options by visiting our website or calling us at 260-490-8328. Together, let's build a brighter financial future!

Our Journey

From our humble beginnings, Three Rivers has evolved significantly. Initially founded to meet the financial needs of local residents, we have expanded our offerings to include a wide array of services such as personal banking, auto loans, mortgage financing, and business banking solutions. Our commitment to our members is evident in every transaction and interaction. Our mission is simple yet profound: to enhance the financial well-being of our members while actively supporting and uplifting our community. We strive to provide personalized service that makes banking easy and accessible for everyone. While members can visit us at 420 Greenville Rd, official correspondence should be sent to PO Box 2573, Fort Wayne, IN 46801-2573.

Branch Location & Accessibility

Accessibility Features

At Three Rivers, we strive to ensure everyone can visit us comfortably. Our branch is equipped with ADA-compliant features, including ramps and designated parking spots for individuals with disabilities. We want your experience to be as smooth as possible!

Call-to-Action

We invite you to visit us soon! Whether you're looking to open an account or need assistance with existing services, our friendly staff is here to help. Don't hesitate to give us a call at 260-490-8328 if you have any questions or need further information about what we can do for you. We look forward to serving you at Three Rivers!

Operating Hours

We understand how busy life can get. That's why our lobby is open Monday through Friday from 9 AM to 6 PM, and on Saturdays from 9 AM to 1 PM. If you need services outside of regular hours, our drive-thru is available Monday through Friday from 8 AM to 6 PM and Saturday from 9 AM to 1 PM, ensuring you have flexible options that fit your schedule.

Services Offered

At our branch, we offer a wide range of services tailored for both personal and business banking needs. You can take advantage of checking and savings accounts, auto loans, mortgage loans, credit cards with rewards, and more. Additionally, we provide ATM services for quick cash withdrawals and basic transactions through our drive-thru facility. If you're a member of a partnering credit union, feel free to utilize our shared service center for deposits and withdrawals.

Member Eligibility

Joining the community at Three Rivers is more than just opening an account; it's about becoming part of a supportive family that values your financial well-being. If you live, work, worship, or attend school in the area, you're likely eligible to become a member! This means whether you're just starting out or looking to take your finances to the next level, Three Rivers welcomes you with open arms. By becoming a member, you gain access to competitive rates on loans and savings products, personalized service, and a range of financial tools designed to help you thrive. To check the specific eligibility criteria and see if you qualify, please visit http://www.3riversfcu.org/about/become-a-member . Ready to take the next step? Opening your account is simple just head over to https://online.3riversfcu.org/authentication?returnurl=quickapply . If you have any questions or need assistance, don't hesitate to call us at (260) 490-8328. We're excited to help you get started on your journey with us at Three Rivers, located at 420 Greenville Rd Saint Marys Oh 45885!

Business Banking & Commercial Services

Commercial Loans to Fuel Your Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $1,578 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $7 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $247,636,003, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services for Everyday Needs

In addition to loans, our merchant services are designed to simplify everyday transactions. Imagine being able to accept payments seamlessly at your point of sale. Our solutions help you handle credit card transactions efficiently, allowing you to focus on what matters most growing your business. Located at 420 Greenville Rd Saint Marys Oh 45885 in Saint Marys, OH, we invite you to discover how our business banking and commercial services can help turn your ambitions into reality. Contact us today at (260) 490-8328!

Comprehensive List Of Services

Business Banking

For our business members, we provide comprehensive business banking services, including merchant services that simplify payment processing and business loans to help you expand your operations. At Three Rivers, we're dedicated to helping local businesses thrive.

Credit Cards and Rewards

Who doesn't love rewards? Our credit cards with rewards allow you to earn points on everyday purchases. Imagine shopping for groceries or filling up your gas tank while earning rewards that lead to cashback or travel perks!

Digital Banking Features

In today's fast-paced world, having access to your finances anytime is essential. That's why we offer robust online and mobile banking services. You can check balances, transfer funds, pay bills, and even send money to friends through our convenient mobile app. Need cash? Our ATMs are ready for quick withdrawals and balance checks whenever you need them.

Drive-Thru & Shared Branch Services

If you're visiting us in person at our branch located at 420 Greenville Rd Saint Marys OH 45885, take advantage of our drive-thru service for quick transactions like deposits and withdrawals without leaving your vehicle. We also participate in shared branching, allowing members from partner credit unions to make basic transactions at our location. At Three Rivers, we're here to ensure that all aspects of your financial journey are supported with ease and efficiency. If you're ready to explore how we can help you achieve your financial goals or if you have any questions about our services, don't hesitate to reach out! Call us today at 260-490-8328 or visit our website at 3riversfcu.org for more information. Join us today as a member of Three Rivers where community meets convenience!

Personal Banking

We understand that managing your personal finances can be challenging. That's why we offer various checking and savings accounts designed to help you grow your money while enjoying easy access to your funds. If you're considering purchasing a new car or refinancing an existing loan, our auto loans and vehicle financing options make it simple and affordable. With competitive rates and flexible terms, you'll be driving your dream car in no time! In addition, our mortgage loans and refinancing services are here to support you in buying a home or reducing your monthly payments. We also offer personal loans for debt consolidation or unexpected expenses, giving you the flexibility you need when life throws a curveball.

Digital & Online Banking

Key Features for Your Convenience

We know that convenience matters. With features like electronic signature authorization, you can sign documents without needing to visit the branch. This means faster processing and less hassle for you! E-statements are also available, allowing you to go green and keep track of your transactions easily. If you're always on the move, our mobile application is here to help. It supports mobile payments, so you can make purchases directly from your phone with ease. Need to send money to a friend? Our person-to-person transfer feature allows you to do that in seconds.

Safety First

Your security is our top priority. We utilize advanced encryption technologies to protect your financial information while providing user-friendly access. With these tools at your disposal, you can manage your accounts confidently and securely. In summary, whether it's checking your balance or making payments on-the-go, Three Rivers offers the digital tools necessary for modern banking. Join us today and experience the ease of managing your finances digitally!

Financial Strength

A Solid Foundation

With a net worth of $314,417,410, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,307 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Growing Together

We have a total of 218,778 share accounts, indicating a robust and growing member base that trusts us with their finances. With net shares amounting to $8,264,787, we have ample funds available for lending and investments. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Three Rivers is your trusted partner. Visit us at 420 Greenville Rd Saint Marys Oh 45885 or call (260) 490-8328 to learn more about how we can help you achieve your financial goals.

Investing in You

With $308,579,160 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity supports your financial goals with $17,874 in used auto loans and $1,826,660,229 in total loans and leases.

Member-Centric Savings

Members' savings are secured through $486,474,383 in share certificates and $406,312,036 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $59,074,534, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our operations reflect our commitment to you with a net income of $0, showcasing our ability to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 460 full-time employees and 6 part-time employees ready to assist you.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $270,208,492 in used vehicle loans and $43,516,569 in new vehicle loans already helping members get on the road. Whether you're interested in a brand-new model or a reliable used vehicle, we have financing solutions that make it easy to drive away with confidence.

Business Loans

For business owners, our outstanding commercial loans totaling $247,636,003 provide the capital needed to grow and expand. We understand the challenges faced by local businesses and are here to support your success with tailored lending solutions. At Three Rivers, we prioritize our members' financial well-being. For more information about our loan offerings or to explore refinancing options, feel free to reach out at (260) 490-8328 or visit us at 420 Greenville Rd Saint Marys Oh 45885. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Let us partner with you on your journey towards financial empowerment!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $192,931,000, make buying or refinancing simple. We provide competitive rates and flexible terms, ensuring that you find the right fit for your budget. If you're considering refinancing your current mortgage, ask about our eligibility options to see how we can help you save.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $34,174,579 in loans helping members manage their finances effectively. Our credit cards come with rewards and no annual fees, making them an ideal choice for everyday purchases and emergencies alike.

Loan Aggregator

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THREE RIVERS FEDERAL CREDIT UNION