Skip to Main Content

Business Savings

Money Market Accounts

These accounts typically offer a higher dividend rate than traditional savings accounts.

A Money Market Account (MMA) is a savings account that typically offers a higher dividend rate than traditional savings accounts. All Money Market Accounts are limited to six (6) pre-authorized, automatic or electronic transfer, telephone order, or telephone instruction. Here's a look at our MMA options.

Optional Money Account (OMA)

Our Optional Money Account (OMA) is a money market account that pays more than a standard savings account. This account operates on a tiered rate schedule, meaning higher balances result in higher yields. This account is available to both businesses and consumers.


Money Plus Money Market Account

Our Money Plus Money Market Account is designed for members who carry even higher balances in their money market account to receive higher rates. It also offers the convenience of check writing capabilities (up to three checks per month). This account is available to both businesses and consumers.

Jumbo Money Market Account

Ready to invest in a savings account that offers easy access and more on returns? Our Jumbo Money Market account – designed for both consumers and businesses – provides you with flexibility and earning power, with fewer withdrawal limitations. This account is designed for large balance carriers and provides a stable rate without having to commit to a specific term.

Note: This account requires a $100,000.00 opening balance, and $100,000.00 must be maintained at all times. There is a $25.00 penalty during any month in which the account falls below $100,000.00. Guaranteed the rate will not go below 0.25% APY..

Open Account Schedule Appointment


Business Share Certificates

With as little as $500, you can open a share certificate right now! To learn more about Business Share Certificates, contact a 3Rivers business team member today.


Financial Planning for Small Business

Which type of plan is right for your business and your employees? From 401(k), Simple IRAs, Payroll Deduction IRAs, Solo 401(k)s, or SEP IRAs, we'll take the guesswork out of selecting the right plan.

Learn More

Health Savings Account (HSA) for Business

The most important part of any business is its employees. 3Rivers wants to ensure that your team is taken care of. By offering a well-rounded health insurance plan, you can ensure your employees have the opportunity to stay healthy.

One type of health insurance is a High Deductible Health Plan (HDHP). When enrolled in an HDHP, your employees may qualify for a Health Savings Account. This is a tax-exempt account that your employees can use to pay or reimburse for their qualified medical expenses.

To help make this process more efficient, our 3Rivers Relationship Managers are more than happy to spend time at your business’s location in order to open these accounts and answer any questions your employees may have.

Learn more about how HSAs work here.

HSA Benefits for Businesses and Employees

  • No set-up, enrollment, or monthly account maintenance fees
  • Fast and easy online account opening
  • Free debit card, online access and bill pay
  • Convenient locations and online solutions to help your team manage their accounts easily
  • Free financial wellness coaching
  • Both the employer and employee can make contributions

We’re here to help your employees with their HSA needs. Contact one of our Relationship Managers to get started or give us a call at 260.399.8268.

*Please consult with your tax advisor for qualification.
** 3Rivers does not sell health insurance or give advice on insurance plan coverage or tax deductions.

Health Savings Account (HSA)

Last updated: 5/1/2024
Balance1 Dividend Rate2 APY3
Up to $24,999.99 0.10% 0.10%
$25,000+ 0.15% 0.15%

Learn More about Health Saving Accounts

No minimum opening balance required.

1Dividends 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. 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.

Most 3Rivers Business Checking Accounts Feature:

Return to the top of the page