15-Month Share Certificate @ 1.60% APY*

  • Earn more with a higher savings rate
  • Gain flexibility with a shorter time commitment
  • Have peace of mind from a guaranteed return
  • Minimum opening balance of $25,000 required

Many of us have felt the pinch of our economy’s historically low and uncertain savings rates. It leaves savers – from those building emergency savings to retirees living on fixed incomes – asking, “How can I get more income from my savings without committing to not touching it for years?”

We get it. While 3Rivers members generally enjoy top-of-market savings rates already, we know you’d also like to be rewarded a bit more for your responsible savings habits and discipline. And we believe you should be.

That’s why, for a limited time, we’re offering a 15-Month Share Certificate at 1.60% APY. That yield is as high as many longer-term options in our market. Plus, if 50% of the funds you use to open your certificate is not already deposited at 3Rivers, you’ll get a 0.10% APY increase to 1.70% APY*.

This is the perfect time to take a look at the funds you have at other institutions and consider switching it all over to 3Rivers. Not only will you gain the assurance of a deeper banking relationship with a trusted community partner and experience the credit union difference, your money will earn even more – and you won’t have to wait five years to see it!

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* APY = Annual Percentage Yield, is current as of 12/18/2017. Dividends compounded daily and paid the last day of each month. Available for a limited time and may be discontinued without notice. Minimum opening balance of $25,000 required. Penalty for early withdrawal, which may include original principal. Accounts where at least 50% of the opening balance includes funds not already deposited with 3Rivers Federal Credit Union qualify for an additional 0.10% APY, making the yield 1.70% APY. Other restrictions may apply. Deposits federally insured up to $250,000 by the National Credit Union Administration (NCUA) and an additional $250,000 by Excess Share Insurance (ESI).

Rates & Terms

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  • Certificates / IRA Certificates
  • 1-01-2018

Term

Minimum Balance to Open

Dividend Rate1

APY2

3 Month

$500

0.20%

0.20%

6 Month

$500

0.45%

0.45%

12 Month

$1000

0.65%

0.65%

15 Month (Limited Time Offer)3

$25,000

1.59%

1.60%

18 Month

$1000

1.00%

1.00%

24 Month

$1000

1.09%

1.10%

30 Month

$1000

1.14%

1.15%

36 Month

$1000

1.29%

1.30%

48 Month

$1000

1.39%

1.40%

59 Month3

$1000

1.64%

1.65%

60 Month

$1000

1.69%

1.70%

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. 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.

APY = Annual Percentage Yield, is current as of 12/18/2017. Dividends compounded daily and paid the last day of each month. Available for a limited time and may be discontinued without notice. Minimum opening balance of $25,000 required. Penalty for early withdrawal, which may include original principal. Accounts where at least 50% of the opening balance includes funds not already deposited with 3Rivers Federal Credit Union qualify for an additional 0.10% APY, making the yield 1.70% APY. Other restrictions may apply. Deposits federally insured up to $250,000 by the National Credit Union Administration (NCUA) and an additional $250,000 by Excess Share Insurance (ESI).

Term and rate only applies to the Bump Rate Certificate. Please see our Bump Rate Certificate for further information. 

IRA options available only on consumer certificates.