49-Month Certificate Special

If you’re looking for a certificate option that locks you into a competitive rate and grows your funds over a longer period of time, our 49-Month Certificate Special may be for you. This product offers peace of mind in knowing that your investment is safe, even if rates go down.

Our 49-Month Certificate is available to both consumer and business members. In order to receive the higher rate, a $20,000 minimum opening balance is required – at least 50% of which must be funds not already on deposit with 3Rivers – OR you must have a membership tenure of 20 or more years with 3Rivers.

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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 48-Month Term. To receive the higher rate, a $20,000 minimum opening balance is required, at least 50% of which must be funds not already on deposit with 3Rivers Federal Credit Union at the time of account opening OR have a membership tenure of 20+ years. 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.

Rates & Terms

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  • Share Certificate Special
  • 8-01-2019

Term/Options

Minimum Balance to Open

Dividend Rate1

APY2

13 Month  – No New Money Required*

$10,000

2.03%

2.05%

13 Month – 50% New Money Required

$20,000*

2.32%

2.35%

49 Month  – No New Money Required**

$10,000

2.03%

2.05%

49 Month  – 50% New Money Required

$20,000**

2.32%

2.35%

Any Purpose Savings Certificate***

$25.00

0.40%

0.40%

* 13-Month Certificate Disclaimer
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, at least 50% of which must be funds not already on deposit with 3Rivers Federal Credit Union at the time of account opening OR have a membership tenure of 20+ years. 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.

** 49-Month Certificate Disclaimer
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 48-Month Term. To receive the higher rate, a $20,000 minimum opening balance is required, at least 50% of which must be funds not already on deposit with 3Rivers Federal Credit Union at the time of account opening OR have a membership tenure of 20+ years. 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.

*** Any Purpose Savings Disclaimer
Disclaimer: Subject to discontinuation at any time without advance notice. Available to consumer member only. No IRA option available on consumer certificates. Allows accountholder to select a term ranging from 6-24 months. Upon renewal, will renew at a 3-Month Term. Requires $25 minimum opening balance. 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 pad the last day of each month. Certificates are insured up to $250,000 by the NATIONAL CREDIT UNION ADMINISTRATION.

1 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. 

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.