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Savings Products

3Rivers Share Certificate 

Grow your savings with one of our top-of-market promotional Share Certificates!

Share certificates are a savings option designed to grow your money by a higher dividend (interest earned) than regular savings accounts over a set period of time. Share certificates work in the same way certificates of deposits (CDs) do; the main difference is that share certificates are offered by credit unions and CDs by banks.

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Discover These Unique Options

We’ve always been top of market in our savings offerings, and now, we have even more great long and short term earning opportunities.

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. You select your maturity date in terms of 6 months to 24 months with a low minimum starting deposit of only $25. Open an account today!

This product gives you a highly competitive guaranteed rate and doesn’t prevent you from accessing your funds should you need them! After an initial period of 30 days, you may close the certificate with no penalty for any reason. Talk about a great deal!

Certificates / IRA Certificates

Last updated: 5/1/2024
Term Minimum Balance to Open Dividend Rate1 APY2 Early Withdrawal Penalty3
Any Purpose Savings Certificate* $25.00 1.98% 2.00% 90 Days' Dividends
3 Month $500 1.98% 2.00% 30 Days' Dividends
6 Month $500 5.02% 5.15% 30 Days' Dividends
11 Month Safety Certificate** $1,000 3.92% 4.00% 30 Days' Dividends (if closed before 30 days)
12 Month $1,000 4.88% 5.00% 180 Days' Dividends
18 Month $1,000 2.23% 2.25% 180 Days' Dividends
24 Month $1,000 2.23% 2.25% 180 Days' Dividends
30 Month $1,000 2.47% 2.50% 180 Days' Dividends
36 Month $1,000 3.92% 4.00% 180 Days' Dividends
48 Month $1,000 2.47% 2.50% 365 Days' Dividends
60 Month $1,000 2.47% 2.50% 365 Days' Dividends

1 Variable rate account, rate is subject to change any time 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.

Penalty varies based upon the term of the certificate (and may include principal) as follows: Under one 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.

*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.

**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 open at least 30 days to be eligible for penalty-free withdrawal. Entire balance must be closed to withdraw funds.

IRA options available only on consumer certificates.


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
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* 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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