3rivers - About Three Rivers Federal Credit Union. Three Rivers Federal Credit Union was chartered on Feb. 28, 1935. Headquartered in Fort Wayne, IN, it has assets in the amount of $747,510,156.

 
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carbon shafting. Be the first to know about sales, upcoming events, and happenings at 3Rivers Archery! Carbon arrow shafting is the most versatile of arrow shafting. Carbon shafting offers faster in-flight recovery, low-maintenance, and unbending straightness.3Rivers released a copy of such letter saying it appears to be coming from a company called American Home Protect LLC. In the letter, it asks recipients to call 1-877-906-9725 within ten days and ...Issued Oct 2013. I am the Director of Talent Management for 3Rivers Federal Credit Union which includes serving as the Diversity Officer. My focus is on strategically attracting & retaining top ...About Three Rivers Federal Credit Union. Three Rivers Federal Credit Union was chartered on Feb. 28, 1935. Headquartered in Fort Wayne, IN, it has assets in the amount of $747,510,156.At 3Rivers, we believe in the people, places, and ideas that make us proud to call our region "home." We strive to go beyond banking by giving back to our members and our community. We're committed to helping our members achieve financial wellness by offering education, guidance, and ongoing support—in addition to all of the products and ...The website you are about to visit belongs to a third-party vendor, merchant or other entity doing business with 3Rivers. In fact, you are leaving the 3Rivers website. The content, materials and information, are solely the responsibility of the provider of that site and not 3Rivers. Any transactions you enter into with a vendor, merchant or ...3Rivers Credit Union checking accounts, also referred to as Share Draft Accounts, provide convenient access to your funds through debit cards, physical checks, and ATMs. Contact the credit union at (260) 490-8328. Checking Accounts (Share Draft) - Manage your daily finances with convenient checking accounts.3Rivers is a community-oriented financial institution that offers a full range of financial solutions for you or your business, including mortgages, investments, health savings accounts, and more. You can access your money matters 24/7 with the 3Rivers mobile app and online account access, and join over 100,000 members in the region who trust 3Rivers with their money matters.3Rivers FCU offers online and mobile banking platforms that are integrated, convenient, and secure. You can access your accounts, transfer funds, deposit checks, chat with a team member, and more with the 3Rivers app or website.In 2015, the 3Rivers Credit Union Foundation funded over $150,000 toward area non-profit organizations. If you live, work, volunteer, or attend school in the Indiana counties of Adams, Allen, DeKalb, Huntington, Noble, Wells, or Whitley, or work for a company that offers 3Rivers membership as a benefit to its employees in Auglaize County, Ohio ...Schedule Appointment. Making an in-person or over-the-phone appointment with us ahead of time means you can skip the wait and do your banking when it's most convenient for you! Please note that virtual meetings may not be offered for some appointment types at this time. Click one of the options above to schedule your next appointment.3 Rivers Communications is a startup that provides broadband, voice and video services to rural communities in Montana. With SmartHub, you can manage your account, pay your bills, monitor your usage and more. Sign up today and enjoy the convenience and benefits of SmartHub.These accounts typically offer a higher dividend rate than traditional savings accounts. A Money Market Account (MMA) is a savings account that typically offers a higher dividend rate than traditional savings accounts. All Money Market Accounts are limited to six (6) pre-authorized, automatic or electronic transfer, telephone order, or ...3RIVERS FEDERAL CREDIT UNION Banking Agreement For Non-Personal Accounts. Page | 2 of 7 4. Your Responsibilities with Regard to the Security Procedure You recognize that the methods for funds transfer set forth in this Agreement are subject to specific risks and you3 Rivers Communications is member-owned cooperative with corporate headquarters in Fairfield, MT, originally founded in 1953. The members of the cooperative elect a Board of Trustees that sets policy to represent members' interests and ensure the company's success. 3 Rivers is a Smart Rural Community Gig-Certified Provider and offers High ...0.1. 0.15. 0.1. Learn more. Three Rivers FS mission is to develop relationships and deliver solutions that drive sustainable performance for our patrons and our cooperative.Our Locations. Northeast Columbia 114 Gateway Corporate Blvd #300, Columbia, SC 29203 (839)-200-7815 Get Directions. Irmo 7430 College Street Irmo SC 29063Our mobile banking app puts 3Rivers in the palm of your hand, so you can manage your money anytime, anywhere! Transfer balances between accounts, deposit checks, control your cards, monitor your credit score, set savings goals, and so much more—all with just a few clicks. Download the 3Rivers Mobile Banking app today by clicking the ...3Rivers Mobile Banking is an app that lets you manage your money anytime, anywhere. You can deposit checks, transfer money, pay …Explore the comprehensive Financial Performance Report (FPR) for 3Rivers Federal Credit Union. This in-depth financial statement offers a condensed overview of the credit union's financial position, based on data from the 4th Quarter of 2023 NCUA Call Report (NCUA 5300 Report). From assets and liabilities to income and expenses, our financial ...You're Invited: 3Rivers to Host FREE Shred Day on Saturday, August 1, 2015 3Rivers is a Federal Credit Union serving Fort Wayne and Northeast Indiana. Personal banking.Does 3Rivers Federal Credit Union offer a dental plan? What does it cover? Asked February 13, 2023. Answer. Be the first to answer! Report. What benefits does 3Rivers Federal Credit Union offer? Asked February 13, 2023. 401 K, paid time off, quarterly incentive bonuses, insurance and more. Answered February 13, 2023.Closing Account Fee: Unknown. $200 Offer at 3Rivers Federal Credit Union. (Expires December 31, 2019) You can compare this to several great entry level checking accounts with offers include the: U.S. Bank Smartly® Checking ( $700 bonus) Truist Checking ( $400 bonus)3Rivers Boutique is a small boutique in South Georgia that accomodates men & women in the Southern Style Industry. It all started in a small section inside of our local meat store, Three Rivers Meat Company. We are so excited to start the online selling journey and cannot wait to meet some new amazing customers all over the world! Behind it all:The 3Rivers Trails complex, centered on the village of Thornhill, is located midway between Port Elizabeth and Jeffrey's Bay on the East Coast of South Africa and incorporates the Crossways, Bluegums and Sunnyside Farm trails, as well as the J-Bay Bike Park, the Longmore Forest and Woodridge College. With more than 200kms of trails and more ...3 Rivers is a Smart Rural Community℠ Gig-Certified Provider. Dec 31st, 2022.Located in Woodinville, 3 Rivers Marine has a diverse line of boats from brands like Duckworth, Alumaweld, and North River Boats. Stop by and check out or new and pre-owned inventory. Need service? Call (425) 415-1575 for all your maintenance and repair needs. Don't let adventure pass you by. View our extensive online inventory today. Instagram.At 3Rivers Federal Credit Union, your voice matters. Your insights and experiences at branches drive 3Rivers to continuously improve and tailor services to meet your needs better. If you've recently visited the St Joe Center Road Branch location, please leave a review. Your feedback not only helps but also guides fellow members in making ...3Rivers Federal Credit Union. (n.d.). 3Rivers Federal Credit Union Branch Details. Retrieved April 21, 2024, from https://www.3riversfcu.org ; Disclaimer: Any modifications to the data or analysis, or interpretation of the data, are provided by Credit Unions Online and not endorsed by 3Rivers Federal Credit Union or the NCUA.Contact 3Rivers Federal in Liberty. Phone Number: (765) 458-6485. Toll-Free: (800) 825-3641. Address: 3Rivers FCU Liberty Branch 207 North Main Street Liberty, IN 47353. Website:It's easy to shop for your player uniform online. Soccer.com has our jerseys, shorts, and socks, to warm-ups and other Three Rivers SC gear.Here are further demographic highlights of the leadership team: The 3Rivers Federal Credit Union executive team is 48% femaleand 53% male. 70%of the management team is White. 12%of 3Rivers Federal Credit Union management is Hispanic or Latino. 11%of the management team is Black or African American.260-587-9501. [email protected]. To order your 3Rivers Archery catalog, please fill out the catalog order form here and we'll send you our latest catalog FREE! Order Your Copy. Archery quivers hold your arrows while you are shooting your bow and arrow. An archery quiver can be a bow quiver, back quiver, hip quiver, or side quiver.The following is a partial list of some of the more important information. 1) Your Draw Length. 2) The weight of your bow, AT YOUR DRAW LENGTH. 3) The type of string. B-50, Fast Flight, etc. 4) The length of your finished arrow. (From the valley of the nock to the back of the point. 5) The weight of the arrow points.Our mobile banking app puts 3Rivers in the palm of your hand, so you can manage your money anytime, anywhere! Transfer balances between accounts, deposit checks, control your cards, monitor your credit score, set savings goals, and so much more—all with just a few clicks. Download the 3Rivers Mobile Banking app today by clicking the ...3Rivers Federal Credit Union, Fort Wayne, Indiana. 5,551 likes · 76 talking about this · 424 were here. "Helping people understand money matters every day." 3Rivers Federal Credit Union, Fort Wayne, Indiana. 5,545 likes · 184 talking about this · 423 were here. ...3Rivers Federal Credit Union is based in Fort Wayne, Indiana. What is the NAICS code for 3Rivers Federal Credit Union? The NAICS codes for 3Rivers Federal Credit Union are [52, 522, 5221, 52213, 522130] .About 3Rivers cancer Centre 3Rivers Cancer Centre is your ideal Solution 3Rivers Cancer Centre is an independent, specialized cancer care center in Kampala, Uganda located at the Afri Courts on Buganda road. Our intention is to provide differentiated and holistic care to cancer patients we take care of who are seeking alternatives to the limited availability of […]Since 1935, 3Rivers Federal Credit Union has been empowering their community to achieve financial wellness by offering personalized service, tools, and education. The member-owned, not for-profit cooperative has $1.1 billion in assets, more than 80,000 members, 16 branches, and over 340 employees. 3Rivers offers a wide range of …bow kits. Be the first to know about sales, upcoming events, and happenings at 3Rivers Archery! For beginners, a bow and arrow kit gets you shooting faster and shooting better as they have all the gear you need to get started in traditional archery.The following is a partial list of some of the more important information. 1) Your Draw Length. 2) The weight of your bow, AT YOUR DRAW LENGTH. 3) The type of string. B-50, Fast Flight, etc. 4) The length of your finished arrow. (From the valley of the nock to the back of the point. 5) The weight of the arrow points.50 Years of Excellence. We consider our patients to be our greatest asset. It has been our mission to provide patients with exceptional orthopaedic care since we started Three Rivers Orthopedic Associates in 1964. That's 50 years of doing whatever we can to help each patient return to active, healthy lives. Getting Started?Since 1935, 3Rivers Federal Credit Union has been empowering our community to achieve financial wellness by offering personalized service, tools, and education. Our member-owned, not-for-profit cooperative has $2.2 billion in assets, more than 110,000 members, 24 branches, and nearly 500 employees. 3Rivers offers a wide range of financial ...Since 1935, 3Rivers Federal Credit Union has been empowering their community to achieve financial wellness by offering personalized service, tools, and education. The member-owned, not for-profit cooperative has $1.1 billion in assets, more than 80,000 members, 16 branches, and over 340 employees. 3Rivers offers a wide range of …The 3Rivers Mastercard ® credit card lets you choose between cash back1, merchandise, gift cards, and travel. We make it easy and give you all the rewards in one easy-to-use card! There's no balance transfer fee2 and no annual fee2. Plus, the 3Rivers Mastercard credit card is equipped with EMV chip technology to help keep your personal and ...3Rivers Federal Credit Union St Marys, Ohio Locations Introducing the Map of 3Rivers Federal Credit Union location in St Marys, Ohio with 1 branch locations. This interactive map showcases all the branches located in and around the St Marys, making it easy for residents to find the nearest one and take advantage of their services.The average hourly pay for Three Rivers Federal Credit Union is $23.55 in 2024. Visit Payscale to research Three Rivers Federal Credit Union hourly pay by city, experience, skill, employer and more.Apr 1, 2024 · How does an IRA work? IRAs are savings accounts that offer significant tax breaks – allowing you to contribute money and let it grow, tax-free or tax-deferred, over time. You can then withdraw and use the dollars you've saved and earned over the years to help fund your retirement. Welcome to the Perfect Essex Wedding Venue, Golf Course & Country Club. Situated on the fringes of the picturesque Essex village of Cold Norton, our outstanding club overlooks our stunning courses with glorious views of over 300 acres of rolling countryside in all directions. Our top-class facilities include two 18 Hole golf courses, a popular ...Download 3Rivers Mobile Banking app to manage your money anytime, anywhere. Deposit checks, transfer funds, pay bills, set card controls and more with this easy-to-use banking solution.For over 89 years, 3Rivers FCU has been a trusted financial partner, boasting a network of 23 branches and 34 ATMs across the country. As the 4 th largest credit union in Indiana 3Rivers Federal Credit Union stewards over $2.34 Billion in assets and proudly serves over 118,000 loyal members.Payment Options. Paying Your 3 Rivers Bill. Bill is due upon receipt. Your bill will be subject to a late fee of $10 if not paid by 5 p.m. Mountain Time on the 23rd day of each month. 3 Rivers accepts the following types of payments: Cash, Check, Debit Card, Money Order, Credit Card (American Express, Visa, MasterCard, Discover)3Rivers Federal Credit Union | 2,204 followers on LinkedIn. "Helping people understand money matters every day." | Since 1935, 3Rivers Federal Credit Union has been empowering our community to achieve financial wellness by offering personalized service, tools, and education. Our member-owned, not-for-profit cooperative has $2.2 billion in …The 3Rivers Basic Youth Bow Kit is the quickest way to get your kids started in archery. Featuring just the essentials at an affordable price. This youth archery kit has everything your kid needs to start shooting a bow and arrow. ...read more. Includes: Popular no-tools takedown recurve youth bow with elevated rest and bow string, three 28 ...Regional Branch Manager at 3Rivers Federal Credit Union Fort Wayne, IN. Connect Dennis Tratnyek Fort Wayne, IN. Connect Ling Q Meng San Francisco, CA. Connect Steve Ward ...In 1985, 3Rivers Archery began in a back bedroom, expanded to the garage, then moved to the basement level of a retail complex, with no heat! From there, 3Rivers grew into a 1,400 sq. ft. retail store in downtown Fort Wayne. A few years later, due to tremendous growth in the industry, we relocated a 10,000 sq. ft. warehouse.Account Sign In. User Name. Password. visibility_off. Remember me for 8 hours (unless I log out).SUBSCRIBE TO 3RIVERS eNEWSLETTER . Join the eRivers eNewsletter to keep up to date with current news, trends, and other 3Rivers related information. P.O. Box 2573 Fort Wayne, Indiana 46801-2573 Routing #274973222 NMLS# 556303. Call Us: 800.825.3641. Email 3Rivers FCU. Facebook; Instagram; Twitter; YouTube;3Rivers is a member-owned financial cooperative that offers loans, deposits, insurance, and more. Compare rates and save on auto, mortgage, home equity, credit card, boat, and …For over 89 years, 3Rivers FCU has been a trusted financial partner, boasting a network of 23 branches and 34 ATMs across the country. As the 4 th largest credit union in Indiana 3Rivers Federal Credit Union stewards over $2.34 Billion in assets and proudly serves over 118,000 loyal members.Our mobile banking app puts 3Rivers in the palm of your hand, so you can manage your money anytime, anywhere! Transfer balances between accounts, deposit checks, control your cards, monitor your credit score, set savings goals, and so much more—all with just a few clicks. Download the 3Rivers Mobile Banking app today by clicking the ...3Rivers released a copy of such letter saying it appears to be coming from a company called American Home Protect LLC. In the letter, it asks recipients to call 1-877-906-9725 within ten days and ...The website you are about to visit belongs to a third-party vendor, merchant or other entity doing business with 3Rivers. In fact, you are leaving the 3Rivers website. The content, materials and information, are solely the responsibility of the provider of that site and not 3Rivers. Any transactions you enter into with a vendor, merchant or ...bow kits. Be the first to know about sales, upcoming events, and happenings at 3Rivers Archery! For beginners, a bow and arrow kit gets you shooting faster and shooting better as they have all the gear you need to get started in traditional archery.All 3Rivers Checking Accounts Include: 35K+ Surcharge Free ATMs*. Free online banking and bill pay. Eligible to receive a 3Rivers Debit Card. *Total number of surcharge-free ATMs available to 3Rivers members via the combined total of the Co-Op ATM, AllianceOne ATM Networks. See specific products rates, terms, and other attributes by visiting ...Online Wire Transfers. Many merchants and vendors prefer to receive their payments through wire transfers. 3Rivers offers our business members the option to send these from their online banking profile. This system allows you to send domestic or international wires from wherever is most convenient for you!3Rivers Archery are your Longbow and Recurve Experts with the largest selection of traditional and primitive archery gear on the planet. Narrow Your Results. View. Sort By. 1 2 3 … 33. Woodsman® Original Series 3-Blade Glue-On Broadheads, 6-pack. $69.99 ... 3Rivers Shared Branches & ATM Network. Banking with 3Rivers allows you to keep your money at a local institution while giving you access to your funds from all across the nation. As a credit union and a cooperative, we have the benefit of being included in a massive network of shared branches and shared ATMs. What this means is that, if you're ... At 3Rivers, we believe in the people, places, and ideas that make us proud to call our region "home." We strive to go beyond banking by giving back to our members and our community. We're committed to helping our members achieve financial wellness by offering education, guidance, and ongoing support—in addition to all of the products and ...At 3Rivers, we believe in the people, places, and ideas that make us proud to call our region "home." We strive to go beyond banking by giving back to our members and our community. We're committed to helping our members achieve financial wellness by offering education, guidance, and ongoing support—in addition to all of the products and ...Founded in 1935, 3Rivers is a member-owned, not-for-profit cooperative that serves over 76,000 member... Explore additional business information. Discover more about 3Rivers Federal Credit Union . Org Chart - 3Rivers Federal Credit Union . Don Cates . President & Chief Executive Officer . Phone Email. Phone Email. Phone Email.We were thrilled to grant 28 local non-profits with over $84,000 for Giving Tuesday yesterday, stopping by to surprise many of them with the news!Be the first to know about sales, upcoming events, and happenings at 3Rivers Archery! 260-587-9501. [email protected] new 3Rivers Wire Brim Hat is back in-stock! The last order went quick, get yours now before they're gone....3Rivers Federal Credit Union Health Insurance. It gets more expensive dependent on what "band" you're in. I didn't use it so I don't know much about it. Only reason it isn't a 5, despite the huge improvement, is that it's a High Deductible Plan. However, they help subsidize an HSA if you participate in their wellness program. two plan ...We would like to show you a description here but the site won't allow us.We would like to show you a description here but the site won't allow us.Health Savings (HSA) Health Savings Account (HSA) from 3Rivers is a special account that helps you save and pay for qualified medical expenses. The HSA allows for tax deductions on eligible contributions and tax-exemptions on qualified medical expenses. One of the most appealing attributes of an HSA is that they offer a triple tax benefit.Three Rivers Meat Company, Smithville, Oklahoma. 1,140 likes · 520 talking about this. Specializing in USDA meat processing/retail with dedication to Quality and Customer Service.This is a very important point to look for in a longbow. The closer to the center of the bow that the shelf is cut, the easier it will be to tune your bow. This will allow you to shoot two or three different arrows from the same bow instead of just one size. To my amazement, my first shot landed right behind the shoulder.Find answers to common questions about online and mobile banking features, tools, and updates at 3Rivers Federal Credit Union. Learn how to access, manage, and secure your accounts, payments, and devices with the new digital platforms.Mortgage Closing Specialist at 3Rivers Federal Credit Union Greater Fort Wayne. David Constantino Louisville, KY. Elba Arenas President / Chief Experience Officer MC Federal Credit Union ...With one piece and takedown models, Tomahawk Bows have something to offer every archer and bowhunter. Be the first to know about sales, upcoming events, and happenings at 3Rivers Archery! Shoot Tomahawk Bows, the best of the best. Tomahawk Bows are the finest longbows made. Designed by Dale Karch and backed with a limited lifetime warranty.3Rivers serves multiple organizations with various common bonds not listed in other categories, providing financial services tailored to the unique needs of these diverse groups. The TOM Code for the credit union is 98 (Multiple common bond - other). Membership is also open to immediate family of current members.3Rivers Federal Credit Union $200 Checking Bonus. Have an aggregated total of $200 deposited to qualifying checking account via externally produced direct deposit and/or mobile check deposit within the first 60 days of account opening. (Expires December 31, 2019) 3Rivers Federal Credit Union is available with 17 branches across Indiana.We now have a lower resolution downloadable PDF 3Rivers Archery Catalog as an option too. If you would prefer a 2-3 DAY Priority Mail delivery from the US Post Office we only charge $3.95 for postage. To order, call us at: 260.587.9501, or fax us at: 888.329.9872 with your name, address, day-time phone number, credit card number, and expiration ...

Well rounded marketing and communication professional and passionate developer of talent… · Experience: 3Rivers Federal Credit Union · Education: Indiana University-Purdue University at Fort .... Symbol calculator

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3Rivers Cancer Centre is an independent, specialized cancer care center in Kampala, Uganda located at the Afri Courts on Buganda road. Our intention is to provide …Glassdoor gives you an inside look at what it's like to work at 3Rivers Federal Credit Union, including salaries, reviews, office photos, and more. This is the 3Rivers Federal Credit Union company profile. All content is posted anonymously by employees working at 3Rivers Federal Credit Union.Mortgage Loan Officer at 3Rivers Federal Credit Union NMLS#1740119 Greater Fort Wayne. Connect Alisa Stallings Sr. Retail Consultant Fort Wayne, IN. Connect ...Since 1935, 3Rivers Federal Credit Union has been empowering our community to achieve financial wellness by offering personalized service, tools, and education. Our member-owned, not-for-profit cooperative has $2.2 billion in assets, more than 110,000 members, 24 branches, and nearly 500 employees. 3Rivers offers a wide range of financial ...List of banking service requests all in one place. Block Debit / ATM Card. Generate Debit Card Pin Number. Unlock Debit / ATM Card. Reissue Lost Debit / ATM Card.5 days ago · 3Rivers has many loan options to cover any and every borrowing need. For your day-to-day items or for bigger purchases, 3Rivers is ready to lend you more than just a hand. Whether you’re considering a mortgage, personal loans, automobile, boat, or even education, we can help throughout your financial journey. Other Contact. Big Sky 406-995-2600; 32 Running Iron Road, Big Sky MT, 59716; Conrad 406-271-2535; 600 S Main St, Conrad MT, 59425; Shelby 406-424-8535With one piece and takedown models, Tomahawk Bows have something to offer every archer and bowhunter. Be the first to know about sales, upcoming events, and happenings at 3Rivers Archery! Shoot Tomahawk Bows, the best of the best. Tomahawk Bows are the finest longbows made. Designed by Dale Karch and backed with a limited lifetime warranty.Essential Business Checking is designed specifically to meet the needs of small businesses and start-ups. This simple, non-dividend-paying checking solution allows you to utilize eStatements and online access, and gives members the option to add the additional services. An initial deposit of $25.00 is required to open the account.The app works great, but confusing to initially integrate. I had to call 3Rivers. Under the regular mobile banking app you have to go to “more” then “manage cards”. Simple instructions added to the card control app when you download would is what is needed and will improve the customer experience. Indy Jim , 11/06/2022.Apr 1, 2024 · Essential Business Checking is designed specifically to meet the needs of small businesses and start-ups. This simple, non-dividend-paying checking solution allows you to utilize eStatements and online access, and gives members the option to add the additional services. An initial deposit of $25.00 is required to open the account. The mission of the 3Rivers Credit Union Foundation is to enhance the lives of people in the communities 3Rivers serves through the support of three key initiatives: financial literacy, education, and health and wellness. Since its inception in 2015, the 3Rivers Credit Union Foundation has granted over $1.5M to 142 local non-profits.Tools. 3Rivers Card Control allows you to securely monitor your 3Rivers debit and credit cards by turning them on and off, setting spending limits, receiving alerts to prevent fraudulent charges, and more. Knowing your credit score is vital to having a strong financial foundation. That's why 3Rivers offers our members Credit Sense, a free ...Regional Branch Manager at 3Rivers Federal Credit Union Fort Wayne, IN. Connect Dennis Tratnyek Fort Wayne, IN. Connect Ling Q Meng San Francisco, CA. Connect Steve Ward ...Mike joined 3Rivers Federal Credit Union in February 2014. His primary strengths are listening to his members and providing products and services that fit their financial needs and expectations. He believes that focusing on the “lost art” of customer service, consistently following up, and building lasting relationships are essential to ...Loans are subject to a one-time processing fee. 2 Vehicle Loans Assume you will borrow $25,000 with $99 loan processing fee; the loan amount will be $25,099. The calculated APR on 36 months loan with an interest rate of 6.39% would be 6.65%. 3 Camper / RV or Boat Loans where model year is from 2019 to 2021, add 1% to the listed rates..

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