Three Rivers Federal Credit Union

Headquarters: Fort Wayne, Indiana
Charter: Credit Union
Assets: $2.9B
Fed district: Chicago

20 published fees; none has a market median to compare yet.

Source: its fee schedule, read Nov 4, 2026.

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Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Monthly Maintenance
Three Rivers Federal Credit Union: $5
Three Rivers Federal Credit Union: $5
U.S. median: no median
Overdraft (OD)
Three Rivers Federal Credit Union: $33
Three Rivers Federal Credit Union: $33
U.S. median: no median
NSF / Returned Item
Three Rivers Federal Credit Union: $10
Three Rivers Federal Credit Union: $10
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 4, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Indiana, the Chicago district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Indiana: Banks and credit unions headquartered in Indiana that publish the fee.
Chicago district: Banks and credit unions headquartered in the Chicago Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

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Published fee schedule

Amounts from Three Rivers Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Monthly maintenance fee$5
per month
Closed Account (if closed within 45 days)$25
HSA Account Closure Fee (effective 3/1/18)$25
Escheatment Fee$30
Monthly Inactive Fee$3
per month
Balancing Check Book (hourly rate)$20
Not compared: Charged per hour; comparison unavailable
per hour · Balancing Check Book (hourly rate) | $20.00
Returned Mail$5

Overdraft & NSF

Overdraft Fee$33
NSF (Non-Sufficient Funds) Fee$10
Overdraft Protection Transfer$3

ATM & Card

Non-3Rivers ATM fee$1
per transaction

Wire Transfers

Outgoing Domestic Wire fee (Recurring)$15
Incoming Wire Transfers$10

Check Services

Official Check$5
Stop Payment (each or series)$33
per item
Foreign Item Check Processing - All Other$35
Copies of Drafts (per item)$3
per item

Cash & Deposit

Coin Counting10%
Coin Counting (audience not stated, treated as personal)10%
Coin Counting (limited locations) - 3Rivers MemberNo charge
Returned Deposit$6

Account Services

Late Payment Fee After 30 Days$10
Not compared: Box drilling or key fee
Safe Deposit Box with Dimensions of 2x5 Annual Rental Fee: New Haven (audience not stated, treated as personal)$25
per year
Levy/Garnishment$20

Retirement & IRA

IRA annual maintenance fee (on accounts under . Beginning 1/31/19)$10
per year
IRA annual maintenance fee (on accounts under $1,000. Beginning 1/31/19)$10
per year
IRA or SEP Account Closure$25
IRA or SEP Premature Withdrawals$10
IRA Transfer Out Fee (effective 3/1/18)$25

Other Fees

Copy of Statement (per statement)$5
Not compared: Charged per statement; comparison unavailable
per statement · Copy of Statement (per statement) | $5.00

Fee	Amount	Basis	Note
Account Maintenance
Monthly maintenance fee	$5	per month	None
Closed Account (if closed within 45 days)	$25	Not stated	None
HSA Account Closure Fee (effective 3/1/18)	$25	Not stated	None
Escheatment Fee	$30	Not stated	None
Monthly Inactive Fee	$3	per month	None
Balancing Check Book (hourly rate)	$20Not compared: Charged per hour; comparison unavailable	per hour	Balancing Check Book (hourly rate) \| $20.00
Returned Mail	$5	Not stated	None
Overdraft & NSF
Overdraft Fee	$33	Not stated	None
NSF (Non-Sufficient Funds) Fee	$10	Not stated	None
Overdraft Protection Transfer	$3	Not stated	None
ATM & Card
Non-3Rivers ATM fee	$1	per transaction	None
Wire Transfers
Outgoing Domestic Wire fee (Recurring)	$15	Not stated	None
Incoming Wire Transfers	$10	Not stated	None
Check Services
Official Check	$5	Not stated	None
Stop Payment (each or series)	$33	per item	None
Foreign Item Check Processing - All Other	$35	Not stated	None
Copies of Drafts (per item)	$3	per item	None
Cash & Deposit
Coin Counting	10%	Not stated	None
Coin Counting (audience not stated, treated as personal)	10%	Not stated	None
Coin Counting (limited locations) - 3Rivers Member	No charge	Not stated	None
Returned Deposit	$6	Not stated	None
Account Services
Late Payment Fee After 30 Days	$10Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box with Dimensions of 2x5 Annual Rental Fee: New Haven (audience not stated, treated as personal)	$25	per year	None
Levy/Garnishment	$20	Not stated	None
Retirement & IRA
IRA annual maintenance fee (on accounts under . Beginning 1/31/19)	$10	per year	None
IRA annual maintenance fee (on accounts under $1,000. Beginning 1/31/19)	$10	per year	None
IRA or SEP Account Closure	$25	Not stated	None
IRA or SEP Premature Withdrawals	$10	Not stated	None
IRA Transfer Out Fee (effective 3/1/18)	$25	Not stated	None
Other Fees
Copy of Statement (per statement)	$5Not compared: Charged per statement; comparison unavailable	per statement	Copy of Statement (per statement) \| $5.00

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Correct a fee source

Nov 4, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

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