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Share Certificates

If you want a safe, short-term saving solution, a share certificate will allow you to save your money with a fixed rate over a specific term. 

With as little as $500, you can open a share certificate right now.  

Rates & Terms

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  • Certificates / IRA Certificates
  • 11-01-2018

Term

Minimum Balance to Open

Dividend Rate1

APY2

3 Month

$500

0.30%

0.30%

6 Month

$500

0.65%

0.65%

12 Month

$1,000

0.90%

0.90%

18 Month

$1,000

1.09%

1.10%

24 Month

$1,000

1.29%

1.30%

30 Month

$1,000

1.39%

1.40%

36 Month

$1,000

1.49%

1.50%

48 Month

$1,000

1.59%

1.60%

60 Month

$1,000

1.73%

1.75%

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.

IRA options available only on consumer certificates.

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  • Share Certificate Special
  • 11-01-2018

Term/Options1

Minimum Balance to Open

Dividend Rate2

APY3

13 Month – No New Money Required

$10,000

2.23%

2.25%

13 Month – 50% New Money Required

$20,000*

2.72%

2.75%

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.