Rates
Certificates / IRA Certificates
| Term | Minimum Balance to Open | Dividend Rate1 | APY2 | Early Withdrawal Penalty3 |
|---|---|---|---|---|
| Any Purpose Savings Certificate* | $25.00 | 1.98% | 2.00% | 90 Days' Dividends |
| 3 Month | $500 | 1.98% | 2.00% | 30 Days' Dividends |
| 6 Month | $500 | 4.69% | 4.80% | 30 Days' Dividends |
| 11 Month Safety Certificate** | $1,000 | 3.68% | 3.75% | 30 Days' Dividends (if closed before 30 days) |
| 12 Month | $1,000 | 4.50% | 4.60% | 180 Days' Dividends |
| 18 Month | $1,000 | 2.23% | 2.25% | 180 Days' Dividends |
| 24 Month | $1,000 | 2.23% | 2.25% | 180 Days' Dividends |
| 30 Month | $1,000 | 2.47% | 2.50% | 180 Days' Dividends |
| 36 Month | $1,000 | 3.44% | 3.50% | 180 Days' Dividends |
| 48 Month | $1,000 | 2.47% | 2.50% | 365 Days' Dividends |
| 60 Month | $1,000 | 2.47% | 2.50% | 365 Days' Dividends |
1 Variable rate account, rate is subject to change any time after account opening. Fees could reduce earnings. Please see our Rate & Fee Disclosure Statement for further information about fees potentially related to these accounts.
2 APY=Annual Percentage Yield. There may be a penalty for early withdrawal. Dividends compounded daily and paid the last day of each month. Certificates are insured up to $250,000 by the NATIONAL CREDIT UNION ADMINISTRATION.
3 Penalty varies based upon the term of the certificate (and may include principal) as follows: Under one year = the equivalent of 30 days’ dividends; 12-36 months = the equivalent of 180 days’ dividends; over 36 months = the equivalent of 365 days’ dividends; Any Purpose Savings = the equivalent of 90 days’ dividends.
*Any Purpose Savings Certificate: Limited time offer and subject to discontinuation at any time without advance notice. Allows accountholder to select a term ranging from 6 to 24 months. Upon renewal, will renew at a 3-month term. This certificate allows for the accountholder to add funds throughout the term of the certificate.
**11-Month Safety Certificate: Limited time offer and subject to discontinuation at any time without advance notice. Available to both consumer and business members. Upon renewal, will renew as the 12-Month Certificate. Account must be open at least 30 days to be eligible for penalty-free withdrawal. Entire balance must be closed to withdraw funds.
IRA options available only on consumer certificates.
Standard Savings
| Dividend Rate1 | APY2 |
|---|---|
| 0.10% | 0.10% |
* $5 minimum balance required to open. Monthly maintenance fee is waived if ANY ONE of the following is true:
- You Receive eStatements
- Your Standard Savings account maintains a minimum daily balance of at least $500.00
- Your individual combined relationship has a minimum daily balance of at least $2,500.00
- Your Standard Savings account is 60 days old or less
- The primary owner is under the age 18
- You are primary owner of an active 3Rivers consumer checking account
Dividends are calculated on the daily balance, compounded monthly and credited to the account at the end of the month. Dividends begin to accrue upon deposit. Savings rates are variable and set by the Board of Directors on a monthly basis.
1 Variable rate account, rate is subject to change anytime after account opening. Fees could reduce earnings. Please see our Fee Disclosure Statement for further information about fees potentially related to these accounts.
2APY=Annual Percentage Yield. Deposit accounts are insured by account ownership up to $250,000 by the NATIONAL CREDIT UNION ADMINISTRATION.
Livin’ Free Savings
| Balance1 | Dividend Rate2 | APY3 |
|---|---|---|
| Portion up to $5004 | 2.96% | 3.00% |
| Portion over $500.015 | 0.10% | 0.10% |
1 Available to members up to age 25. Upon turning age 26, account will become a Standard Savings Account. Limited to one Livin' Free Savings Account per individual tax owner. $5 minimum balance required to open. Rates are variable and set by the Board of Directors on a monthly basis. Dividends are calculated on the daily balance, compounded monthly, and credited to the account at the end of the month. Dividends begin to accrue upon deposit.
2Variable rate account, rate is subject to change anytime after account opening. Fees could reduce earnings. Please see our Fee Disclosure Statement for further information about fees potentially related to these accounts.
3APY=Annual Percentage Yield. Deposit accounts are insured by account ownership up to $250,000 by the NATIONAL CREDIT UNION ADMINISTRATION.
4An dividend rate of 2.96% (APY 3.00%) will be paid only on the portion of your daily balance that is less than $500.01.
5An dividend rate of 0.10% (APY 0.10%) will be paid only on the portion of your daily balance that is greater than $500.00.