Rates
Dividends+ Checking
| Balance Tier1 | Dividend Rate2 | APY3 |
|---|---|---|
| Portion up to $9,999.99 | 1.98% | 2.00% |
| Portion $10,000+ | 0.15% | 0.15% |
| Base rate (paid on entire portion if requirements are not met) | 0.01% | 0.01% |
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.
2Please note: the rates displayed here are the current rates for both Epic or Dividends+ Checking accounts.
3Annual Percentage Yield. It is the rate actually earned in one year, taking into account the effect of compounding. APY for balances up to $9,999.99 is 2.00%. APY range for balances between $10,000 and $250,000 is 0.22% - 2.00%.
Click Here for the Dividends+ Checking Calendar for qualifications and rewards cycles
Account Disclosure: Dividends are paid from current income and available earnings after required transfers to reserves are made at the end of a dividend period. Dividends are not guaranteed. The dividend rates appearing in this disclosure are accurate and effective for share accounts as of the date indicated. If you have any questions or require current dividend rate information on your accounts, please call a 3Rivers representative at 260.490.8328 or 800.825.3641.
Cash Back Rewards
| Cycle Debit Card Transactions | Cash Back Rate* | Max Refund Amount |
|---|---|---|
| 1 to 19 Transactions | 1.00% | $2.50 |
| 20 to 39 Transactions | 1.00% | $5.00 |
| 40 to 59 Transactions | 1.00% | $7.50 |
| 60+ Transactions | 1.00% | $10.00 |
Monthly Maintenance Fee: $5
Monthly maintenance fee is waived if statement is delivered electronically and ANY ONE of the following is true:
- Your Cash Back Checking account is 30 days old or less
- You have at least ten (10) 3Rivers debit card transactions that clear your account during the statement cycle
Reward Checking
| Balance1 | Dividend Rate2 | APY3 |
|---|---|---|
| Up to $9,999.99 | 0.20% | 0.20% |
| $10,000 to $24,999.99 | 0.25% | 0.25% |
| $25,000 to $49,999.99 | 0.30% | 0.30% |
| $50,000 to $74,999.99 | 0.35% | 0.35% |
| $75,000.00 + | 0.40% | 0.40% |
1$25 minimum balance required to open. A $2,000 minimum daily balance is required to avoid a $5 monthly maintenance fee. 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.
Community Checking
| Balance | Dividend Rate1 | APY2 |
|---|---|---|
| Up to $24,999.99 | 0.10% | 0.10% |
| $25,000+ | 0.15% | 0.15% |
Learn More about Community Checking
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.
2 APY=Annual Percentage Yield. Deposit accounts are insured by account ownership up to $250,000 by the NATIONAL CREDIT UNION ADMINISTRATION.
Business Plus Checking
| Balance | Dividend Rate1 | APY2 |
|---|---|---|
| Up to $2,499.99 | 0.10% | 0.10% |
| $2,500 to $9,999.99 | 0.10% | 0.10% |
| $10,000 to $24,999.99 | 0.10% | 0.10% |
| $25,000+ | 0.15% | 0.15% |
Learn More about Business Checking
1Variable 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.