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Saving Products

Standard Savings

Our simple, no-frills savings account.

If you need a simple savings account (or two or three) without all the extras, we can help you put your money away until you need it. Add in the convenience of online access, our mobile banking app, and eStatements, and you can easily track your savings—anytime, anywhere!

Businesses can apply online or visit your nearest branch to open a savings account.

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3Rivers_Teller Interaction

Standard Savings

Last updated: 8/1/2020
Dividend Rate1 APY2
0.10% 0.10%

$5 minimum balance required to open. Monthly maintenance free is waived if ANY ONE of the following is true:

  • You Receive eStatements
  • Your Stand 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

A special savings account for children and young adults.

Livin’ Free Savings is an account created especially for our younger members, up to age 25, who are just starting to save their money. It aims to help teach good savings habits, cover accidental overdraws on accounts, and, as an added bonus, earns more on savings! This account earns a higher rate on balances up to $500, helping younger members to grow their money faster, while still earning dividends on any funds over that amount.

Additionally, for our youngest members who are aged 0-12, we offer our CUB Club Perks program to help encourage our youngest members to save and earn as they learn about money in their earlier years. Click here to learn more about our 3Rivers CUB Club Perk program!

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livin-free-saving

Livin’ Free Savings

Last updated: 8/1/2020
Balance1 Dividend Rate2 APY3
Portion up to $5004 2.50% 2.53%
Portion over $500.015 0.10% 0.10%

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 2.50% (APY 2.53%) 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.

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.

Index Money Market Account

Ready to invest in a savings account that offers easy access and more on returns? Our Index 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.

The Index Money Market account is tied to the Federal Funds Index, which means the rate will align with market dividend rates, and not otherwise determined by the credit union. This means as the Federal Fund rates move, your money will automatically move with the markets rate.

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..

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OMA Money Market

Last updated: 8/1/2020
Balance1 Dividend Rate2 APY3
Up to $24,999.99 0.15% 0.15%
$25,000+ 0.20% 0.20%

1A $5,000 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 $5,000. 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.

Index Money Market

Last updated: 8/1/2020
Balance1 Dividend Rate2 APY3
Up to - $99,999.99 0.25% 0.25%
$100,000 - $249,999.99 0.50% 0.50%
$250,000 - $499,999.99 0.50% 0.50%
$500,000 - $999,999,999.99 0.50% 0.50%

Learn More about Money Market Accounts

A $100,000 minimum balance is required to open. Dividends calculated on daily balance, compounded daily and credited to account at month end. Dividends begin to accrue upon deposit. If the balance falls below the minimum for the tier, the dividend rate drops to the rate of the lower tier. Index Money Market rates are variable and align with the Fed Funds Rate. This means the rate will coincide with market interest rates, and not be arbitrarily set by the credit union. A $25 monthly maintenance fee will incur for balances falling below $100,000.

Variable rate account, rate is subject to change anytime after account opening. Rate adjusts at the first of the month following any Federal Reserve rate adjustment. Fees could reduce earnings. Please see our Fee Disclosure Statement for further information about fees potentially related to these accounts.

APY=Annual Percentage Yield. Deposit accounts are insured by account ownership up to $250,000 by the NATIONAL CREDIT UNION ADMINISTRATION.

Money Plus Money Market

Last updated: 8/1/2020
Balance1 Dividend Rate2 APY3
$10,000-$34,999.99 0.15% 0.15%
$35,000-$74,999.99 0.20% 0.20%
$75,000 to $124,999.99 0.25% 0.25%
$125,000 to $499,999.99 0.30% 0.30%
$500,000+ 0.40% 0.40%

Learn More about Money Market Accounts

1A $10,000 minimum balance is required to open. May issue up to 3 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 Standard Savings rate. Money Market rates are variable and set by the Board of Directors on a monthly basis. A $15 monthly maintenance fee will incur for balances falling below $10,000.

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.

3Rivers Share Certificates & Specials

Save your money with a fixed rate and greater earnings over a specific term.

If you want a safe, short-term saving solution, a share certificate will allow you to save your money with a fixed rate over a specific term. With as little as $500, you can open a share certificate right now.

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Certificates / IRA Certificates

Last updated: 8/1/2020
Term Minimum Balance to Open Dividend Rate1 APY2 Early Withdrawal Penalty*
3 Month $500 0.10% 0.10% 30 Days' Dividends
6 Month $500 0.10% 0.10% 30 Days' Dividends
12 Month $1,000 0.20% 0.20% 180 Days' Dividends
18 Month $1,000 0.25% 0.25% 180 Days' Dividends
24 Month $1,000 0.30% 0.30% 180 Days' Dividends
30 Month $1,000 0.35% 0.35% 180 Days' Dividends
36 Month $1,000 0.60% 0.60% 180 Days' Dividends
48 Month $1,000 0.70% 0.70% 365 Days' Dividends
60 Month $1,000 0.75% 0.75% 365 Days' Dividends

* Penalty varies based upon the term of the certificate (and may include principal) as follows: Under 1 year = the equivalent of 30 days’ dividends; 12-36 months or DriveUp Savings = the equivalent of 180 days’ dividends; Over 36 months = the equivalent of 365 days’ dividends.

1 Variable rate account, rate is subject to change anytime 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.

IRA options available only on consumer certificates.

Certificate Specials

13 Month Certificate

At 3Rivers, we do more than help members save on their loans for homes, autos, and more. We also help them earn more on those savings!

We’ve always been top of market in our savings offerings, and now, we’re able to take it a step further with great earning opportunities, like our current 13-Month Share Certificate special. With this attractive savings option, you can earn as much as 0.50%APY* for just a thirteen-month commitment. That’s just over one year! What a difference the right savings solution makes.

Open Account

Disclaimer: Limited time offer and subject to discontinuation at any time without advance notice. Available to both consumer and business members. IRA option available on consumer certificates. Upon renewal, will renew at a 12-Month Term. To receive the higher rate, a $20,000 minimum opening balance is required, at least 50% of which must be funds not already on deposit with 3Rivers Federal Credit Union at the time of account opening OR have a membership tenure of 20+ years. Variable rate account. Rate is subject to change. Fees could reduce earnings. Please see our Fee Disclosure Statement for further information about potentially related fees. 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.

Any Purpose Certificate

The Any Purpose Savings Certificate is designed to help you grow your savings. It allows the flexibility to make additional deposits, of any size, at any time, during the term of the certificate.

This certificate option helps you achieve your savings goal by offering:

  • Automatic deposits to grow savings easier.
  • Low minimum starting deposit of only $25.
  • A flexible timeline – you select your maturity date! Choose terms from 6 months to 24 months.

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Any Purpose Savings Disclaimer: Subject to discontinuation at any time without advance notice. Available to consumer member only. No IRA option available on consumer certificates. Allows accountholder to select a term ranging from 6-24 months. Upon renewal, will renew at a 3-Month Term. Requires $25 minimum opening balance. Fees could reduce earnings. Please see our Fee Disclosure Statement for further information about potentially related fees. APY=Annual Percentage Yield. There may be a penalty for early withdrawal. Dividends compounded daily and pad the last day of each month. Certificates are insured up to $250,000 by the NATIONAL CREDIT UNION ADMINISTRATION.

Share Certificate Special

Last updated: 8/1/2020
Term/Options Minimum Balance to Open Dividend Rate1 APY2 Early Withdrawal Penalty*
13 Month – (Member <10 years)** $10,000 0.40% 0.40% 180 Days' Dividends
13 Month – (Member 10-19 years)** $10,000 0.45% 0.45% 180 Days' Dividends
13 Month – (Member >20 years)** $10,000 0.50% 0.50% 180 Days' Dividends
Any Purpose Savings Certificate*** $25.00 0.20% 0.20% 90 Days' Dividends

Learn More about our Certificate Options

* Penalty varies based upon the term of the certificate (and may include principal) as follows: Under 1 year = the equivalent of 30 days’ dividends; 12-36 months or DriveUp Savings = the equivalent of 180 days’ dividends; Over 36 months = the equivalent of 365 days’ dividends.

** 13-Month Certificate
Limited time offer and subject to discontinuation at any time without advance notice. Available to both consumer and business members. IRA option available on consumer certificates. Upon renewal, will renew at a 12-Month Term. You are eligible for an increased rate at both a 10+ membership tenure and 20+ membership tenure, the increased rate is applied at the time of account opening. Requires $10,000 minimum opening balance. 

*** Any Purpose Savings
Subject to discontinuation at any time without advance notice. Available to consumer member only. No IRA option available on consumer certificates. Allows accountholder to select a term ranging from 6-24 months. Upon renewal, will renew at a 3-Month Term. Requires $25 minimum opening balance. Fees could reduce earnings. Please see our Fee Disclosure Statement for further information about potentially related fees. APY=Annual Percentage Yield. There may be a penalty for early withdrawal. Dividends compounded daily and pad the last day of each month. Certificates are insured up to $250,000 by the NATIONAL CREDIT UNION ADMINISTRATION.

1 Variable rate account. Rate is subject to change. Fees could reduce earnings. Please see our Rate & Fee Disclosure Statement for further information about potentially related fees.

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.

Credit Union Buddy (CUB) Club Perks

A reward-focused savings club for children 12-and-under.

Your child may just now be taking their first steps or saying their first words, but establishing a savings account for them now can go a long way toward teaching them about money management throughout their childhood. As part of our Livin’ Free Savings account, children who are aged 12 and under can join our Credit Union Buddy (CUB) Club Perks, which make saving money fun and rewarding! !

Our CUB Club Perks include added bonuses for school-aged kids—like our “Pays for A’s” program— that encourage good saving habits and good grades!

youth-accounts

CUB Club Perks:

  • Your child will receive a stamp on their CUB Card every time they deposit $15 or more.
  • When your child has 10 stamps for depositing $15 or more to equal a minimum of $150 in their account, they’ll get a 3Rivers CUB mascot stuffed animal!
  • As a CUB Club member, your child will receive $5 for each report card they bring in with a grade of A (or equivalent), earning up to $20 for the school year.*

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*$20 maximum per child per school year awarded to students each grading period. Children K through 5th grade may participate. Grades must be from most recent grading period. Hold put on $5 for 30-day period to encourage saving. Only 1 CUB Club Perk per member.

HSA & IRA Accounts

Whether you’re looking to save for your future in retirement or your current well-being, our Individual Retirement Accounts (IRA) and Health Savings Accounts (HSA) offer the flexibility and security you need to effectively grow your contributions. These types of accounts offer significant tax breaks and other benefits that will allow you to feel confident about your retirement and your health-related expenses.

HSA Accounts IRA Accounts

 

Potential Checking Features
  • Access to 35K+ Surcharge Free ATMs*
  • Age Requirement
  • CUB Club Perk
  • Long-term Savings
  • No Monthly Minimum
  • Reward/Dividend Options
  • Waivable Monthly Fee*
  • 1
  • 2
  • 3
  • 4
  • 5
  • 6

* This table is intended for simple illustration purposes only. Rates, terms, and other applicable attributes will vary by product. Please see specific product page(s) for more detailed information.

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