13-Month Share 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 2.85%APY* for just a thirteen-month commitment. That’s just over one year! What a difference the right savings solution makes.

How does the 13-Month Certificate Work?

$20,000 Starting Deposit

Opening your 13-month certificate with a starting deposit of $20,000 – with at least $50% of your opening balance being money you do not already have on deposit with 3Rivers – you’ll earn 2.85%APY*. This means you’ll earn a total of $605 at maturity. In a Standard savings, it would grow less than $21 during that time.

$10,000 Starting Deposit

We realize that $20,000 may be too large a commitment at this time, and that’s why we also have a great savings option that requires half the starting balance (and no new money requirement).

Opening your 13-month certificate with a starting deposit of $10,000 will earn you 2.35%APY *, resulting in a total of $247 at maturity. In a Standard savings, it would grow less than $11 during that time.

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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, and at least 50% of which must be funds not already on deposit with 3Rivers Federal Credit Union at the time of account opening. 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. Additional insurance coverage of $250,000 is provided by EXCESS SHARE INSURANCE for total protection up to $500,000.

Rates & Terms

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  • Share Certificate Special
  • 12-01-2018

Term/Options1

Minimum Balance to Open

Dividend Rate2

APY3

13 Month – No New Money Required

$10,000

2.32%

2.35%

13 Month – 50% New Money Required

$20,000*

2.81%

2.85%

1 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 $10,000 of which must be funds not already on deposit with 3Rivers Federal Credit Union at the time of account opening 

2 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. 

3 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. Additional insurance coverage of $250,000 is provided by EXCESS SHARE INSURANCE for total protection up to $500,000.