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Livin' Free Savings

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 Savings

Last updated: 5/1/2024
Balance1 Dividend Rate2 APY3
Portion up to $5004 2.96% 3.00%
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.

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.

View Rate & Fee Disclosure for Savings

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