Rates
Dividends+ Checking
| Balance Tier1 | Dividend Rate2 | APY3 |
|---|---|---|
| Portion up to $9,999.995 | 1.98% | 2.00% |
| Portion $10,000+6 | 0.15% | 0.15% |
| Base rate (paid on entire portion if requirements are not met)7 | 0.01% | 0.01% |
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.
2Please note: the rates displayed here are the current rates for both Epic or Dividends+ Checking accounts.
3APY = Annual Percentage Rate. $25 minimum opening balance. There is no minimum balance requirement after opening. Rates are variable and set by the Board of Directors on a monthly basis. Fees could reduce earnings. Applicable transactions must be posted during the qualifications cycle in order to be counted towards requirements for rewards. A $5 monthly maintenance fee applies to Dividends+ Checking if monthly qualifications are not met.
4Click Here for the Dividends+ Checking Calendar for qualifications and rewards cycles
5An dividend rate of 1.98% (APY 2.00%) will be paid only on the portion of your daily balance that is less than $10,000.00.
6An dividend rate of 0.15% (APY 0.15%) will be paid only on the portion of your daily balance that is greater than $10,000.00.
7A Base dividend rate of 0.01% (APY 0.01%) will be paid on your entire daily balance if requirements are not met.
Cash Back Rewards
Here's a look at how much you can earn, based on how many transactions you make with your debit card:
| Cycle Debit Card Transactions | Cash Back Rate* | Max Refund Amount |
|---|---|---|
| 1 to 19 Transactions | 1.00% | $2.50 |
| 20 to 39 Transactions | 1.00% | $5.00 |
| 40 to 59 Transactions | 1.00% | $7.50 |
| 60+ Transactions | 1.00% | $10.00 |
Monthly Maintenance Fee: $5
Monthly maintenance fee is waived if statement is delivered electronically and ANY ONE of the following is true:
- Your Cash Back Checking account is 30 days old or less
- You have at least ten (10) 3Rivers debit card transactions that clear your account during the statement cycle
Reward Checking
| Balance1 | Dividend Rate2 | APY3 |
|---|---|---|
| Up to $9,999.99 | 0.20% | 0.20% |
| $10,000 to $24,999.99 | 0.25% | 0.25% |
| $25,000 to $49,999.99 | 0.30% | 0.30% |
| $50,000 to $74,999.99 | 0.35% | 0.35% |
| $75,000.00 + | 0.40% | 0.40% |
1$25 minimum balance required to open. A $2,000 minimum daily balance is required to avoid a $5 monthly maintenance fee. 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.
Community Checking
| Balance | Dividend Rate1 | APY2 |
|---|---|---|
| Up to $24,999.99 | 0.10% | 0.10% |
| $25,000+ | 0.15% | 0.15% |
Learn More about Community Checking
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.
2 APY=Annual Percentage Yield. Deposit accounts are insured by account ownership up to $250,000 by the NATIONAL CREDIT UNION ADMINISTRATION.
Business Plus Checking
| Balance | Dividend Rate1 | APY2 |
|---|---|---|
| Up to $2,499.99 | 0.10% | 0.10% |
| $2,500 to $9,999.99 | 0.10% | 0.10% |
| $10,000 to $24,999.99 | 0.10% | 0.10% |
| $25,000+ | 0.15% | 0.15% |
Learn More about Business Checking
1Variable 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.