Savings 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.
Standard Savings
| 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!
Livin’ Free Savings
| Balance1 | Dividend Rate2 | APY3 |
|---|---|---|
| Portion up to $5004 | 2.96% | 3.00% |
| Portion over $500.015 | 0.10% | 0.10% |
1 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 per month. Here's a look at our MMA options.
Money Market
Our Money Market Account 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
Our Money Plus 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
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
Money Market
| Balance1 |
Dividend Rate2 | APY3 |
|---|---|---|
| $5,000 - $24,999.99 | 1.00% | 1.00% |
| $25,000 - $44,999.99 | 1.09% | 1.10% |
| $45,000 - $64,999.99 | 1.19% | 1.20% |
| $65,000 - $84,999.99 | 1.29% | 1.30% |
| $85,000 - $124,999.99 | 1.39% | 1.40% |
| $125,000+ | 1.49% | 1.50% |
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 rate drops to lower tier. If balance falls below $5,000 during the month, the dividend rate drops to the Standard Savings rate. 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.
Money Plus
| Balance1 |
Dividend Rate2 | APY3 |
|---|---|---|
| $10,000-$34,999.99 | 0.50% | 0.50% |
| $35,000-$74,999.99 | 0.55% | 0.55% |
| $75,000 to $124,999.99 | 0.65% | 0.65% |
| $125,000 to $499,999.99 | 0.70% | 0.70% |
| $500,000+ | 0.80% | 0.80% |
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.
Jumbo Money Market
| Balance1 |
Dividend Rate2 | APY3 |
|---|---|---|
| Up to - $99,999.99 | 0.25% | 0.25% |
| $100,000 - $249,999.99 | 1.98% | 2.00% |
| $250,000 - $499,999.99 | 2.23% | 2.25% |
| $500,000 - $1,999,999.99 | 2.47% | 2.50% |
| $2,000,000 - $5,000,000 | 3.44% | 3.50% |
| $5,000,000+ | 3.92% | 4.00% |
Learn More about Money Market Accounts
1 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. Dividend rates are tiered. 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. A $25 monthly maintenance fee will incur for balances falling below $100,000.
2 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.
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 $25, you can open a share certificate right now.
Share Certificate Specials
We’ve always been top of market in our savings offerings, and now, we have even more great long and short term earning opportunities.
Any Purpose Certificate 2
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.
: 2 Any Purpose Savings Certificate Limited time offer and subject to discontinuation at any time without advance notice. Allows accountholder to select a term ranging from 6 to 24 months. Upon renewal, will renew at a 3-month Term. This certificate allows for the accountholder to add funds throughout the term of the certificate.
Share Certificate Specials
| Term/Options | Minimum Balance to Open | Dividend Rate | APY | Early Withdrawal Penalty¹ |
|---|---|---|---|---|
| 11 Month Safety Certificate3 |
$5,000 | 3.20% | 3.25% | 30 Days' Dividends (If closed before 30 days) |
| Any Purpose Savings Certificate² | $25.00 | 1.49% | 1.50% | 90 Days' Dividends |
| 13 Month4 | $5,000 | 4.16% | 4.25% | 180 Days' Dividends |
| 13 Month4 | $10,000 (50% New Money)7 |
4.64% | 4.75% | 180 Days' Dividends |
| 21 Month5 | $5,000 | 4.16% | 4.25% | 180 Days' Dividends |
| 21 Month5 | $10,000 (50% New Money)7 |
4.64% | 4.75% | 180 Days' Dividends |
| 33 Month6 | $5,000 | 4.16% | 4.25% | 180 Days' Dividends |
| 33 Month6 | $10,000 |
4.64% | 4.75% | 180 Days' Dividends |
Learn More about our Certificate Options
1 - 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 = the equivalent of 180 days’ dividends; Over 36 months = the equivalent of 365 days’ dividends; Any Purpose Savings = the equivalent of 90 days’ dividends.
2 - Any Purpose Savings Certificate Limited time offer and subject to discontinuation at any time without advance notice. Allows accountholder to select a term ranging from 6 to 24 months. Upon renewal, will renew at a 3-month Term. This certificate allows for the accountholder to add funds throughout the term of the certificate.
3 - 11-Month Safety Certificate: Limited time offer and subject to discontinuation at any time without advance notice. Available to both consumer and business members. Upon renewal, will renew as the 12-Month Certificate. Account must be opened at least 30 days to be eligible for penalty free withdrawal. Entire balance must be closed to withdrawal funds.
4 - 13-Month Certificate Special: 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 be eligible for the higher rate for the 13-Month Share Certificate at least 50% of the opening balance must be new money to 3Rivers.
5 - 21-Month Certificate Special: 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 24-Month Term. To be eligible for the higher rate for the 21-Month Share Certificate at least 50% of the opening balance must be new money to 3Rivers.
6 - 33-Month Certificate Special: 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 36-Month Term. To be eligible for the higher rate for the 33-Month Share Certificate at least 50% of the opening balance must be new money to 3Rivers.
7 - New Money: The funds may not be from an existing 3Rivers membership account.
Certificates / IRA Certificates
| Term | Minimum Balance to Open | Dividend Rate1 | APY2 | Early Withdrawal Penalty* |
|---|---|---|---|---|
| 3 Month | $500 | 0.50% | 0.50% | 30 Days' Dividends |
| 6 Month | $500 | 0.60% | 0.60% | 30 Days' Dividends |
| 12 Month | $1,000 | 1.49% | 1.50% | 180 Days' Dividends |
| 18 Month | $1,000 | 0.75% | 0.75% | 180 Days' Dividends |
| 24 Month | $1,000 | 0.90% | 0.90% | 180 Days' Dividends |
| 30 Month | $1,000 | 1.04% | 1.05% | 180 Days' Dividends |
| 36 Month | $1,000 | 1.24% | 1.25% | 180 Days' Dividends |
| 48 Month | $1,000 | 1.49% | 1.50% | 365 Days' Dividends |
| 60 Month | $1,000 | 2.48% | 2.50% | 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 = the equivalent of 180 days’ dividends; Over 36 months = the equivalent of 365 days’ dividends; Any Purpose Savings = the equivalent of 90 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.
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!
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.*
Open Account Schedule Appointment
*$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.