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  • Refer a Friend to 3Rivers + Split Up To $80!

    Posted on Friday, August 21, 2015

    3Rivers believes everyone can achieve financial success. That's why we strive to empower our community by providing the best tools, service, and education when it comes to money matters. It’s a commitment we’ve held dear since 1935. Over 70,000 people in our region choose and rely on 3Rivers to be a trusted financial partner in life…

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“I love that I can work with friendly staff and 3Rivers is LOCAL... not a world wide bank.”

Investment & Trust Experience

Savings Rates

We offer many different savings solutions designed for your unique financial needs. From Money Markets to Pick-Your-Date Savings to college funds and more, we’ll help you realize that big goal you have in mind.

Checking Rates

With a series of unique checking account options to fit your lifestyle, we can help you spend money easily and responsibly. Earn credits to buy digital music. Or get back on the right track, away from financial troubles. We’ll work with you to find the right account.

Loans Rates

Not every loan is for something big like a car or a house. Sometimes you just need a small loan to cover a smaller purchase or to consolidate some small debt and pay it off more quickly. And, of course, we can help you buy that car or house as well.

Credit Rates

It’s easy to see why cardholders use their 3Rivers credit cards more than the others in their wallets. Get a competitive rate, a chance to earn rewards, and so much more.

Rate Image

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  • OMA Money Market
  • 8-01-2015

Balance1

Dividend Rate2

APY3

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%

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.

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. Additional insurance coverage of $250,000 is provided by EXCESS SHARE INSURANCE for total protection up to $500,000.

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  • Livin’ Free Savings
  • 8-01-2015

Balance1

Dividend Rate2

APY3

Portion up to $500

5.00%

5.12%

Portion over $500.01

0.10%

0.10%

Available to members age 18 to 25. $25 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. 

2 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

3 APY=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. 

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  • Standard Savings, Pick Your Date (PYD) Savings
  • 8-01-2015

Dividend Rate 1

APY 2

0.10%

0.10%

$25 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 Pick Your Date (PYD) Savings Accounts, deposits may be made at any time. All funds are transferred into designated account on the date of your choosing. Early withdrawal causes the account to close (fees could reduce earnings on account). 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. 

2 APY=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. 

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  • Individual Retirement Account (IRA)
  • 8-01-2015

Dividend Rate1

APY2

0.30%

0.30%

* $25 minimum balance required to open. IRA rates are variable and set by the Board of Directors on a monthly basis. Rate subject to change after account is opened. 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. Roth, Traditional, CESA options available. Share Certificates in various terms are also available. Dividends are paid from current income and available earnings after required transfers to reserves are made at the end of a dividend period. Dividends are not guaranteed. IRA rates are variable and set by the Board of Directors on a monthly basis.

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. Additional insurance coverage of $250,000 is provided by EXCESS SHARE INSURANCE for total protection up to $500,000.

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  • Certificates
  • 8-01-2015

Term

Minimum Balance to Open

Dividend Rate1

APY2

3 Month

$500

0.10%

0.10%

6 Month

$500

0.15%

0.15%

12 Month

$1000

0.20%

0.20%

18 Month

$1000

0.25%

0.25%

24 Month

$1000

0.35%

0.35%

30 Month

$1000

0.40%

0.40%

36 Month

$1000

0.65%

0.65%

48 Month

$1000

0.85%

0.85%

59 Month3

$1000

0.95%

0.95%

60 Month

$1000

1.00%

1.00%

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. 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.

3 Term and rate only applies to the Bump Rate Certificate. Please see our Bump Rate Certificate for further information. 

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  • Money Plus Money Market
  • 8-01-2015

Balance1

Dividend Rate2

APY3

$10,000-$34,999.99

0.10%

0.10%

$35,000-$74,999.99

0.15%

0.15%

$75,000+

0.20%

0.20%

1 A $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.

2 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. 

3 APY=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. 

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  • Health Savings Account (HSA)
  • 8-01-2015

Balance1

Dividend Rate2

APY3

Up to $2,499.99

0.10%

0.10%

$2,500 - $9,999.99

0.10%

0.10%

$10,000 - $24,999.99

0.10%

0.10%

$25,000+

0.15%

0.15%

1Dividends 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.

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. Additional insurance coverage of $250,000 is provided by EXCESS SHARE INSURANCE for total protection up to $500,000.

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  • Smart Business Checking
  • 8-01-2015

Balance

Dividend Rate 1

APY 2

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%

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. Additional insurance coverage of $250,000 is provided by EXCESS SHARE INSURANCE for total protection up to $500,000. 

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  • Reward Checking
  • 8-01-2015

Balance1

Dividend Rate2

APY3

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%

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.

2 Variable rate account, rate is subject to change anytime after account opening. Fees could reduce earnings. Please see our Fee Disclosure Statement for further imfomration about fees potentailly related to these accounts. 

3 APY=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. 

  • Rhythm Checking
  • 8-01-2015

Balance Tier 1

Dividend Rate2

APY 3

Portion up to $10,000.99

1.50%

1.51%

Portion over $10,001

0.15%

0.15%

Base rate (paid on entire portion if requirements are not met)

0.01%

0.01%

If you choose the Tunes Rewards option, you will receive a $10 opening bonus and up to $5 in monthly rebates when you meet the month requirements of the account.

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 Please note: the rates displayed here are the current rates for both Epic or Rhythm Checking (Dividend Rewards) accounts.

3 APY = Annual Percentage Rate. $25 minimum opening balance. There is no minimum balance requirement after opening. An Epic or Rhythm Checking qualifications cycle is the last day of the month preceding through the second to last day of qualification month. For example, May’s qualification cycle runs from April 30th through May 30th. 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 $7 monthly maintenance fee applies to Rhythm Checking if monthly qualifications are not met.

4 Click here for the Rhythm Checking Calendar for qualifications and rewards cycles.

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  • Mortgage Rates
  • 8-28-2015

Program Name

Rate (as low as)1

Points

APR2

5/1 ARM

3.250%

0.00%

3.154%

7/1 ARM

3.500%

0.00%

3.317%

30 Year Fixed (Conforming)

4.000%

0.00%

4.165%

20 Year Fixed (Conforming)

3.750%

0.00%

3.977%

15 Year Fixed (Conforming)

3.125%

0.00%

3.411%

10 Year Fixed (Conforming)

3.000%

0.00%

3.416%

15 Year Bi-Weekly (Conforming)

3.125%

0.00%

3.411%

1Rates are subject to change without notice and is based upon borrower qualifications and credit review.

2Annual Percentage Rate (APR) is calculated based on a loan amount of $100,000.00

  • Auto, Truck & Motorcycle Loans
  • 8-01-2015

Model Year

Minimum Loan Amount

Term

APR1

Payment Amt/$1000

2013 & Newer

$5,000

Up to 60 Months as low as...

2.49%

$17.74

2013 & Newer

$10,000

Up to 72 Months as low as...

3.49%

$15.41

2010-2012

$5,000

Up to 60 Months as low as...

2.99%

$17.96

2010-2012

$10,000

Up to 72 Months as low as...

3.99%

$15.64

2007-2009

$5,000

Up to 60 Months as low as...

3.99%

$18.41

2004-2006

$5,000

Up to 60 Months as low as...

6.99%

$19.80

2003 & Older

$5,000

Up to 60 Months as low as...

8.95%

$20.73

1APR=Annual Percentage Rate. All rates advertised are based upon borrowers qualifications. Vehicles with 100,000 miles plus qualify for a maximum term of 48 months.

Your Complete Auto Buying Experience: Get up to $500 cash back and make no payments for 90 days. Click here for details.

  • ATV, Personal Watercraft, Snowmobile
  • 8-01-2015

Model Year

Minimum Loan Amount

Term

APR

Payment Amt/$1000

2011 & Newer

$5,000

Up to 60 months as low as...

3.99%

$18.41

2011 & Newer

$10,000

Up to 72 months as low as...

4.99%

$16.10

2007-2010

$5,000

Up to 60 months as low as...

4.99%

$18.87

2004-2006

$5,000

Up to 60 months as low as...

6.49%

$19.56

2003 & Older

$5,000

Up to 48 months as low as...

8.95%

$24.86

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  • Unsecured
  • 8-01-2015

Unsecured Lines of Credit1

APR2

Payment Amt/$1000

$1,000 minimum - $3,000 maximum as low as

11.50%

NA

Unsecured Term Loan ($1,000 minimum, $20,000 maximum)

12 - 60 months new money as low as...

8.95%

$20.73

61 - 66 months new money as low as...

10.50%

$20.01

1LOC = Line of Credit

2APR=Annual Percentage Rate. All rates advertised are based upon borrowers qualifications.

  • Boat and Camper
  • 8-01-2015

New (2011 & Newer)

Term

APR1

Payment Amt/$1000

$5,000 +

Up to 60 Months as low as...

3.99%

$18.41

$10,000 +

Up to 96 Months as low as...

4.99%

$12.66

$15,000

Up to 144 Months as low as...

5.99%

$9.75

1APR=Annual Percentage Rate. For vehicle purchase or refinance. Rates based on borrowers qualifications. Add 1% to listed rates for Boats or Campers model years 2007 to 2010. Add 2.5% to listed rates for Boats or Campers model years 2004 to 2006. If model year is 2003 or older, loan will qualify under Unsecured Term Loan rates.

  • Second Mortgages
  • 8-01-2015

Second Mortgages

Loan Amount

Term1

APR2

Payment Amt/$1000

Home Equity LOC6

$10,000 - $100,000

180 month term loan. Payment 1.5% of outstanding balance. $149 fee for Home Equity LOC - fee reduced to $99 if current 1st mortgage with 3Rivers.

3.25%3

NA

Interest Only Home Equity LOC7

$10,000 - $250,000

120 month term loan. Monthly payment will be all accrued yet unpaid Finance Charges due. $149 fee for Interest Only Home Equity LOC - fee reduced to $99 if current 1st Mortgage is with 3Rivers

3.25%3

NA

Closed End Second Mortgage6

$10,000 - $100,000

Up to 120 months as low as...5

5.99%2

$11.10

Closed End Second Mortgage6

$35,000 - $100,000

121 to 180 months as low as...5

6.24%4

$8.57

No down payment required.

Potential Payment Examples: Closed End Real Estate – 120 mos @ 5.99% your payment will be approximately $11.10 monthly per $1,000 borrowed.

APR=Annual Percentage Rate. All rates advertised are based upon borrowers qualifications. 

Rates based on Prime (Index), as published in the Wall Street Journal on the last day of the month, plus a Margin. Index plus Margin equals Interest Rate. Current Prime rate is 3.25%. Interest Rate will never be less than 3% nor greater than 18%.

Potential Payment Examples: Closed End Real Estate – 180 mos @ 6.24% your payment will be approximately $8.57 monthly per $1,000 borrowed.

Available loan terms vary based on loan amount. $149 fee for Closed Second Mortgages - fee reduced to $99 if current 1st mortgage with 3Rivers.

6 Maximum combined loan to value is 90%.

7 Maximum combined loan to value is 80%.

  • MasterCard Platinum Credit Card
  • 8-01-2015

Perk

Description

Annual Percentage Rate1

As low as 10.95% APR1

Minimum Finance Charge

NONE

Annual Fee

NONE

Grace Period

If you pay your previous balance in full on or before the due date shown on your previous statement, you will have a grace period on purchases of 25 days from the statement closing date to the payment due date.

Cash Advances

3%

Balance Transfer Fee

3%

Over Limit Fee

NONE

Late Payment Fee

$25.00 if payment is more than 10 days late

Method of Computing Balance

Average daily balance including new transactions

1Annual Percentage Rate based on credit worthiness at the time you open the account.
 

Get a

Get a "bump" with 3Rivers' new Bump Rate Certificate.

Bump Rate Certificates give you the option of a one-time rate increase during the original term of the certificate. The Bump Rate Certificate also includes an add-on feature which allows for the addition of funds at the time the rate is “bumped.”

Learn More >>