Savings Solutions

Share Savings
A first step in establishing a great savings pattern and beginning your relationship in the 3Rivers community. Know More

Special Savings
Make life more manageable. Use our savings solutions to help meet your needs with a simple way to manage and work toward your goals. Know More

Holiday Club Savings
Budget to save a little bit throughout the year your holiday expenses are a little easier to handle. Know More

Share Certificates
Have extra funds that you’d like to set aside to earn income on?   Pick a term, lock it in, and watch it pay you monthly or grow over time. Know More

Money Market
Earn more on your higher balances and have access to your money. Know More

DriveUp Savings
Save a little bit each time you make an auto loan payment. Know More

 How can I save for a big ticket item?
 How do taxes and inflation affect my savings?
 How long until I reach my savings goal?
 How long will it take to become a millionaire?
 How much will my CD be worth at maturity?

Rates

Regular Savings, Special Savings, Holiday Club108-01-2010
Dividend Rate	APY2
0.25%	0.25%
1$5 minimum balance required to open. 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. On Holiday Club Accounts, deposits may be made at any time. All funds are transferred into preferred account on November 1st. Early withdrawal causes the account to close until November 1st (fees could reduce earnings on account). Share Savings rates are variable and set by the Board of Directors on a monthly basis. 2APY=Annual Percentage Yield. Deposit accounts are insured by account ownership up to $250,000 by the NATIONAL CREDIT UNION ADMINISTRATION. Additional insurance coverage of $250,000 is provided by EXCESS SHARE INSURANCE for total protection up to $500,000.

OMA Money Market108-01-2010
Balance	Dividend Rate	APY2
Up to $2,499.99	0.25%	0.25%
$2,500 to $9,999.99	0.50%	0.50%
$10,000 to $24,999.99	0.65%	0.65%
$25,000+	0.75%	0.75%
1A $2,500 minimum balance is required to open. Dividends are calculated on the daily balance, compounded daily and credited to the account at the end of the month. Dividends begin to accrue upon deposit. Dividend rates are tiered. If the balance falls below the minimum for the tier, the dividend rate drops to the rate for the next tier. A $10 monthly maintenance will be incurred on balances less than $1,000. Money Market account rates are variable and set by the Board of Directors on a monthly basis. 2APY=Annual Percentage Yield. Deposit accounts are insured by account ownership up to $250,000 by the NATIONAL CREDIT UNION ADMINISTRATION. Additional insurance coverage of $250,000 is provided by EXCESS SHARE INSURANCE for total protection up to $500,000.

Money Plus Money Market108-01-2010
Balance	Dividend Rate	APY2
$10,000-$34,999.99	0.75%	0.75%
$35,000-$74,999.99	1.00%	1.01%
$75,000+	1.09%	1.10%
1A $10,000 minimum balance is required to open. May issue up to three checks per month. Dividends calculated on daily balance, compounded daily and credited to account at month end. Dividends begin to accrue upon deposit. If balance falls below $10,000 any time during the month, dividend rates becomes equal to stated Regular Savings rate. If the balance falls below the minimum for the tier, the dividend rate drops to the rate of the lower tier. Money Market rates are variable and set by the Board of Directors on a monthly basis. 2APY=Annual Percentage Yield. Deposit accounts are insured by account ownership up to $250,000 by the NATIONAL CREDIT UNION ADMINISTRATION. Additional insurance coverage of $250,000 is provided by EXCESS SHARE INSURANCE for total protection up to $500,000.

Certificates08-29-2010 to 09-05-2010
Term	Minimum Balance to Open	Dividend Rate	APY1
3 Month	$500	0.50%	0.50%
6 Month	$500	0.60%	0.60%
12 Month	$1,000	1.00%	1.01%
18 Month	$1,000	1.24%	1.25%
24 Month	$1,000	1.49%	1.50%
30 Month	$1,000	1.73%	1.75%
36 Month	$1,000	2.08%	2.10%
48 Month	$1,000	2.47%	2.50%
60 Month	$1,000	2.96%	3.00%
1APY=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. Additional insurance coverage of $250,000 is provided by EXCESS SHARE INSURANCE for total protection up to $500,000.