Frequently Asked Questions
When are property taxes due?
| STATE | MONTH DUE |
| Indiana | May & November |
| Florida | November |
| Michigan | July & December |
| Ohio | February & July |
What should I know about switching homeowners insurance providers?
Switching homeowners insurance providers can be easy! Simply provide your new homeowners insurance provider with our Mortgagee Clause (provided below) so 3Rivers is listed as lienholder.
If you have elected to escrow your homeowners insurance premium annually, the new provider will bill us, at which time your premium will be paid from your escrow account.
If you have had previous coverage through another provider, please remember that it is your responsibility to ensure the prior policy is canceled. Once it's canceled, you'll more than likely receive a refund check from the previous company. Once you receive any refund check, please deposit it to your escrow account at your nearest 3Rivers branch to avoid future shortages in the escrow account.
3Rivers' Mortgagee Clause:
3Rivers FCU ISAOA
PO BOX 11267
Fort Wayne, IN 46856
Why did I receive a tax bill?
Each year, counties send out tax bills to all homeowners. If you escrow, you can disregard the bill and keep this for your records. If you do not escrow, you will need to mail the form in with your payment.
When can I drop my Private Mortgage Insurance (PMI) ?
Private Mortgage Insurance (PMI) is a requirement for borrowers who do not put at least 20% (LTV) of their property's value down at the time of closing. Until the loan balance is at or below 80% of the property value(LTV), PMI will continue to be a part of your monthly payment.
Why did my payment change?
Unless you have an Adjustable Rate Mortgage (ARM) product, only escrowing borrowers will see payment changes. Payments can change for escrowing members because of fluctuating tax and/or insurance bills. Depending on which cycle you are in, we perform an escrow account checkup called an "escrow analysis." Escrow analysis calculates current escrow balances and factors in anticipated payments for the coming year. These projected payments are based on the most current information that has been provided to us from the county and a member's insurance company. Payment changes stemming from an escrow analysis will go into effect 45 days afterward.
What vehicles are eligible?
Most new and used vehicles purchased through participating dealerships qualify. Terms may vary based on the vehicle and your application.
Do I need to be a 3Rivers member to use indirect auto lending?
Membership is required to finalize the loan, but joining is simple and can be done during the process.
Will I still get a good rate through the dealership?
Yes. 3Rivers offers competitive rates through approved dealership partners—often with fewer fees and more flexibility than traditional lenders.
How is this different from a direct auto loan?
Direct loans require you to secure financing before visiting the dealership. Indirect lending lets you shop for your vehicle and complete financing at the same time.
What is indirect auto lending?
Indirect auto lending allows you to finance your vehicle directly at a participating dealership, with the loan funded by 3Rivers Credit Union.
What’s the difference between the Standard Savings and a High-Yield Savings from other financial institutions?
While some online banks focus on high-rate savings accounts, 3Rivers offers a variety of options to support your savings goals. Our Standard Savings account is a great place to keep money separate from everyday spending and works best for short-term needs. For long-term or higher-yield savings, Money Market and Share Certificate accounts can help you earn more through higher balances or locked-in rates. And whenever you’re ready, a friendly 3Rivers representative is happy to help you plan your next savings goal.
Does the business credit card have fraud protection?
Yes. Your business card includes advanced fraud monitoring, alerts, and zero-liability protection for unauthorized transactions. If you suspect fraud, contact us immediately for assistance.
How do I manage my card or add authorized users?
You can manage cards, set spending limits, monitor transactions, and add or remove authorized users in Business Online Banking. For additional support, our Business Services team is happy to assist.
Are there fees for the business credit card?
There is no annual fee for our business credit card. Other fees, such as late payment or returned payment fees, follow federally required disclosures. You’ll receive a full fee schedule and agreement when you apply.
Do I need to be a 3Rivers business member to apply?
Yes. Business credit cards are available to eligible 3Rivers business members. If you’re not yet a member, a Business Services Specialist can help you open the right business account before submitting an application.
What can I use a business credit card for?
Your card can be used for everyday business expenses like supplies, travel, equipment, online purchases, utilities, and more. It’s designed to help you separate business spending, manage cash flow, and streamline bookkeeping.
What makes Classic Checking different from other checking accounts?
Classic Checking offers practical value with one complimentary box of checks annually—perfect if you write checks regularly. Combined with straightforward terms and member-focused service, it's banking that works for you.
What digital banking features come with Classic Checking?
Everything you need: free online banking, mobile app with mobile check deposit, unlimited bill pay, real-time balance updates, and more. Manage your account 24/7 from any device. No extra fees included.
Can I access ATMs everywhere with this account?
Yes. Access 70,000+ surcharge-free ATMs nationwide through our CO-OP and Alliance One networks. Plus, withdraw cash at 5,600+ shared credit union branches nationwide—a benefit that sets us apart from banks.
How does the complimentary check benefit work?
You'll be able to request one complimentary box of 3Rivers checks per year by visiting any branch, sending a request through digital banking, or calling 3Rivers.