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

  Sign-up for Rate Alert

  • Certificates / IRA Certificates
  • 8-01-2019

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.

IRA options available only on consumer certificates.

  Sign-up for Rate Alert

  • 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.