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.

Introducing the Choose Your Term Certificates!

Looking for a certificate option suited for your unique financial goals? Our Choose Your Term Certificate may be the perfect choice. It offers a guaranteed rate for the duration of the term that you select – ranging from 37 to 60 months. Avaialbie for both consumers and businesses, and is available as an IRA option for retirement savings. SRestrictions apply. See below for current rates and details.

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Rates & Terms

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Certificates / IRA Certificates
9-01-2018

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%
¹Variable 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. ²APY=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
9-01-2018

Term/Options¹	Minimum Balance to Open	Dividend Rate²	APY³
15 Month – No New Money Required	$10,000	1.73%	1.75%
15 Month – *50% New Money Required*	$20,000*	2.23%	2.25%
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 much 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.

Term/Options¹

Minimum Balance to Open

Dividend Rate²

APY³

15 Month – No New Money Required

$10,000

1.73%

1.75%

15 Month – 50% New Money Required

$20,000*

2.23%

2.25%

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 much 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.

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Choose Your Term Certificate
9-01-2018

Term	Minimum Balance to Open	Dividend Rate¹	APY²
37 to 60 Months³	$5,000	2.52%	2.55%
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. 3 Choose Your Term Certificate is a limited time offer allowing the accountholder to select a term ranging from 37 to 60 months. Product renews at a term of 48 months. There may be a penalty for early withdrawal. IRA options available only on consumer certificates.

Term

Minimum Balance to Open

Dividend Rate¹

APY²

37 to 60 Months³

$5,000

2.52%

2.55%

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.

3 Choose Your Term Certificate is a limited time offer allowing the accountholder to select a term ranging from 37 to 60 months. Product renews at a term of 48 months. There may be a penalty for early withdrawal.

IRA options available only on consumer certificates.