Hey, I build transmission's for a living. Although I only build Mitsubishi and Mazda I can tell you this, you are definitely not low on fluid otherwise it would have a problem in all gears. What is you fluid condition like? Do you change your fluid every 25,000 miles? Did you recently change it after it was already dirty?
At any rate most transmission shops at least here in the Midwest do free diagnosis.
Anyway the bad news is it sounds like your transmission is smoked. The only other option is if it uses a solenoid to achieve 3rd gear. But most transmission's use 3rd gear as failsafe which means it will only have 3rd gear if it looses power and/or if its solenoid quits working, so I go back to my original thought that your transmission is smoked. Also contrary to popular belief, if you have a transmission problem and the fluid is dirty DON'T change the fluid. This usually washes all of the junk straight into the valve body and sticks valves and then you will have a fried transmission for sure
jim aughenbaugh