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Bump Rate Certificates

Our Bump Rate Certificate Special is not currently avaialble. However, you may be interested in our current 15 Month Certificate Special or our Choose Your Term Certificate

The Bump Rate Certificate requires a minimum $1,000 opening balance. Additional funds may be added at the time the rate is bumped. The bump rate will match the rate currently in effect for the certificate term closest to the term remaining, without going over, at the request of any certificate owner. The new rate will carry forward from the date of the increase and will remain in effect until the certificate maturity date. Unless you indicate otherwise by withdrawing the funds from the account within 7 calendar days after maturity, or if 3Rivers receives notice within the 7-day grace period, the certificate will be renewed at the terms and conditions of a 60-month certificate. This applies to consumer accounts only. There may be a penalty for early withdrawal of certificate funds. The penalty is equal to 365 days of dividends. The Bump Rate Certificate may be closed without penalty for early withdrawal if the entire balance is transferred to a certificate with a longer term than the term remaining on the Bump Rate Certificate.
Rates are based on 3Rivers’ investment rate and declared on a weekly basis. Dividends are compounded daily and paid the last day of the month. The Annual Percentage Yield assumes dividends remain in the account until maturity. Withdrawal of dividends will reduce earnings. Fees could reduce earnings. The Bump Rate Certificate is subject to change and may end without notice at any time.
For current rate information, contact us at 800-825-3641 or online at


  • Bump Rate Certificate Disclosure