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 Rate & Fee Disclosure 

Truth In Savings Disclosure (PDF)

Certificates / IRA Certificates

Last updated: 8/1/2025
Term Minimum Balance to Open Dividend Rate1 APY2 Early Withdrawal Penalty3
Any Purpose Savings Certificate* $25.00 1.98% 2.00% 90 Days' Dividends
3 Month $500 1.98% 2.00% 30 Days' Dividends
6 Month $500 4.07% 4.15% 30 Days' Dividends
11 Month Safety Certificate** $1,000 3.44% 3.50% 30 Days' Dividends (if closed before 30 days)
12 Month $1,000 3.92% 4.00% 180 Days' Dividends
18 Month $1,000 2.23% 2.25% 180 Days' Dividends
24 Month $1,000 2.23% 2.25% 180 Days' Dividends
30 Month $1,000 2.47% 2.50% 180 Days' Dividends
36 Month $1,000 3.44% 3.50% 180 Days' Dividends
48 Month $1,000 2.47% 2.50% 365 Days' Dividends
60 Month $1,000 2.47% 2.50% 365 Days' Dividends

1 Variable rate account, rate is subject to change any time after account opening. Fees could reduce earnings. Please see our Rate & 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.

Penalty varies based upon the term of the certificate (and may include principal) as follows: Under one year = the equivalent of 30 days’ dividends; 12-36 months = the equivalent of 180 days’ dividends; over 36 months = the equivalent of 365 days’ dividends; Any Purpose Savings = the equivalent of 90 days’ dividends.

*Any Purpose Savings Certificate: Limited time offer and subject to discontinuation at any time without advance notice. Allows accountholder to select a term ranging from 6 to 24 months. Upon renewal, will renew at a 3-month term. This certificate allows for the accountholder to add funds throughout the term of the certificate.

**11-Month Safety Certificate: Limited time offer and subject to discontinuation at any time without advance notice. Available to both consumer and business members. Upon renewal, will renew as the 12-Month Certificate. Account must be open at least 30 days to be eligible for penalty-free withdrawal. Entire balance must be closed to withdraw funds.

IRA options available only on consumer certificates.

 

Certificates / IRA Certificates

Last updated: 8/1/2025
Term Minimum Balance to Open Dividend Rate1 APY2 Early Withdrawal Penalty3
Any Purpose Savings Certificate* $25.00 1.98% 2.00% 90 Days' Dividends
3 Month $500 1.98% 2.00% 30 Days' Dividends
6 Month $500 4.07% 4.15% 30 Days' Dividends
11 Month Safety Certificate** $1,000 3.44% 3.50% 30 Days' Dividends (if closed before 30 days)
12 Month $1,000 3.92% 4.00% 180 Days' Dividends
18 Month $1,000 2.23% 2.25% 180 Days' Dividends
24 Month $1,000 2.23% 2.25% 180 Days' Dividends
30 Month $1,000 2.47% 2.50% 180 Days' Dividends
36 Month $1,000 3.44% 3.50% 180 Days' Dividends
48 Month $1,000 2.47% 2.50% 365 Days' Dividends
60 Month $1,000 2.47% 2.50% 365 Days' Dividends

1 Variable rate account, rate is subject to change any time after account opening. Fees could reduce earnings. Please see our Rate & 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.

Penalty varies based upon the term of the certificate (and may include principal) as follows: Under one year = the equivalent of 30 days’ dividends; 12-36 months = the equivalent of 180 days’ dividends; over 36 months = the equivalent of 365 days’ dividends; Any Purpose Savings = the equivalent of 90 days’ dividends.

*Any Purpose Savings Certificate: Limited time offer and subject to discontinuation at any time without advance notice. Allows accountholder to select a term ranging from 6 to 24 months. Upon renewal, will renew at a 3-month term. This certificate allows for the accountholder to add funds throughout the term of the certificate.

**11-Month Safety Certificate: Limited time offer and subject to discontinuation at any time without advance notice. Available to both consumer and business members. Upon renewal, will renew as the 12-Month Certificate. Account must be open at least 30 days to be eligible for penalty-free withdrawal. Entire balance must be closed to withdraw funds.

IRA options available only on consumer certificates.

 

Certificates / IRA Certificates

Last updated: 8/1/2025
Term Minimum Balance to Open Dividend Rate1 APY2 Early Withdrawal Penalty3
Any Purpose Savings Certificate* $25.00 1.98% 2.00% 90 Days' Dividends
3 Month $500 1.98% 2.00% 30 Days' Dividends
6 Month $500 4.07% 4.15% 30 Days' Dividends
11 Month Safety Certificate** $1,000 3.44% 3.50% 30 Days' Dividends (if closed before 30 days)
12 Month $1,000 3.92% 4.00% 180 Days' Dividends
18 Month $1,000 2.23% 2.25% 180 Days' Dividends
24 Month $1,000 2.23% 2.25% 180 Days' Dividends
30 Month $1,000 2.47% 2.50% 180 Days' Dividends
36 Month $1,000 3.44% 3.50% 180 Days' Dividends
48 Month $1,000 2.47% 2.50% 365 Days' Dividends
60 Month $1,000 2.47% 2.50% 365 Days' Dividends

1 Variable rate account, rate is subject to change any time after account opening. Fees could reduce earnings. Please see our Rate & 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.

Penalty varies based upon the term of the certificate (and may include principal) as follows: Under one year = the equivalent of 30 days’ dividends; 12-36 months = the equivalent of 180 days’ dividends; over 36 months = the equivalent of 365 days’ dividends; Any Purpose Savings = the equivalent of 90 days’ dividends.

*Any Purpose Savings Certificate: Limited time offer and subject to discontinuation at any time without advance notice. Allows accountholder to select a term ranging from 6 to 24 months. Upon renewal, will renew at a 3-month term. This certificate allows for the accountholder to add funds throughout the term of the certificate.

**11-Month Safety Certificate: Limited time offer and subject to discontinuation at any time without advance notice. Available to both consumer and business members. Upon renewal, will renew as the 12-Month Certificate. Account must be open at least 30 days to be eligible for penalty-free withdrawal. Entire balance must be closed to withdraw funds.

IRA options available only on consumer certificates.

 

Certificates / IRA Certificates

Last updated: 8/1/2025
Term Minimum Balance to Open Dividend Rate1 APY2 Early Withdrawal Penalty3
Any Purpose Savings Certificate* $25.00 1.98% 2.00% 90 Days' Dividends
3 Month $500 1.98% 2.00% 30 Days' Dividends
6 Month $500 4.07% 4.15% 30 Days' Dividends
11 Month Safety Certificate** $1,000 3.44% 3.50% 30 Days' Dividends (if closed before 30 days)
12 Month $1,000 3.92% 4.00% 180 Days' Dividends
18 Month $1,000 2.23% 2.25% 180 Days' Dividends
24 Month $1,000 2.23% 2.25% 180 Days' Dividends
30 Month $1,000 2.47% 2.50% 180 Days' Dividends
36 Month $1,000 3.44% 3.50% 180 Days' Dividends
48 Month $1,000 2.47% 2.50% 365 Days' Dividends
60 Month $1,000 2.47% 2.50% 365 Days' Dividends

1 Variable rate account, rate is subject to change any time after account opening. Fees could reduce earnings. Please see our Rate & 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.

Penalty varies based upon the term of the certificate (and may include principal) as follows: Under one year = the equivalent of 30 days’ dividends; 12-36 months = the equivalent of 180 days’ dividends; over 36 months = the equivalent of 365 days’ dividends; Any Purpose Savings = the equivalent of 90 days’ dividends.

*Any Purpose Savings Certificate: Limited time offer and subject to discontinuation at any time without advance notice. Allows accountholder to select a term ranging from 6 to 24 months. Upon renewal, will renew at a 3-month term. This certificate allows for the accountholder to add funds throughout the term of the certificate.

**11-Month Safety Certificate: Limited time offer and subject to discontinuation at any time without advance notice. Available to both consumer and business members. Upon renewal, will renew as the 12-Month Certificate. Account must be open at least 30 days to be eligible for penalty-free withdrawal. Entire balance must be closed to withdraw funds.

IRA options available only on consumer certificates.

 

Certificates / IRA Certificates

Last updated: 8/1/2025
Term Minimum Balance to Open Dividend Rate1 APY2 Early Withdrawal Penalty3
Any Purpose Savings Certificate* $25.00 1.98% 2.00% 90 Days' Dividends
3 Month $500 1.98% 2.00% 30 Days' Dividends
6 Month $500 4.07% 4.15% 30 Days' Dividends
11 Month Safety Certificate** $1,000 3.44% 3.50% 30 Days' Dividends (if closed before 30 days)
12 Month $1,000 3.92% 4.00% 180 Days' Dividends
18 Month $1,000 2.23% 2.25% 180 Days' Dividends
24 Month $1,000 2.23% 2.25% 180 Days' Dividends
30 Month $1,000 2.47% 2.50% 180 Days' Dividends
36 Month $1,000 3.44% 3.50% 180 Days' Dividends
48 Month $1,000 2.47% 2.50% 365 Days' Dividends
60 Month $1,000 2.47% 2.50% 365 Days' Dividends

1 Variable rate account, rate is subject to change any time after account opening. Fees could reduce earnings. Please see our Rate & 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.

Penalty varies based upon the term of the certificate (and may include principal) as follows: Under one year = the equivalent of 30 days’ dividends; 12-36 months = the equivalent of 180 days’ dividends; over 36 months = the equivalent of 365 days’ dividends; Any Purpose Savings = the equivalent of 90 days’ dividends.

*Any Purpose Savings Certificate: Limited time offer and subject to discontinuation at any time without advance notice. Allows accountholder to select a term ranging from 6 to 24 months. Upon renewal, will renew at a 3-month term. This certificate allows for the accountholder to add funds throughout the term of the certificate.

**11-Month Safety Certificate: Limited time offer and subject to discontinuation at any time without advance notice. Available to both consumer and business members. Upon renewal, will renew as the 12-Month Certificate. Account must be open at least 30 days to be eligible for penalty-free withdrawal. Entire balance must be closed to withdraw funds.

IRA options available only on consumer certificates.

 

Certificates / IRA Certificates

Last updated: 8/1/2025
Term Minimum Balance to Open Dividend Rate1 APY2 Early Withdrawal Penalty3
Any Purpose Savings Certificate* $25.00 1.98% 2.00% 90 Days' Dividends
3 Month $500 1.98% 2.00% 30 Days' Dividends
6 Month $500 4.07% 4.15% 30 Days' Dividends
11 Month Safety Certificate** $1,000 3.44% 3.50% 30 Days' Dividends (if closed before 30 days)
12 Month $1,000 3.92% 4.00% 180 Days' Dividends
18 Month $1,000 2.23% 2.25% 180 Days' Dividends
24 Month $1,000 2.23% 2.25% 180 Days' Dividends
30 Month $1,000 2.47% 2.50% 180 Days' Dividends
36 Month $1,000 3.44% 3.50% 180 Days' Dividends
48 Month $1,000 2.47% 2.50% 365 Days' Dividends
60 Month $1,000 2.47% 2.50% 365 Days' Dividends

1 Variable rate account, rate is subject to change any time after account opening. Fees could reduce earnings. Please see our Rate & 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.

Penalty varies based upon the term of the certificate (and may include principal) as follows: Under one year = the equivalent of 30 days’ dividends; 12-36 months = the equivalent of 180 days’ dividends; over 36 months = the equivalent of 365 days’ dividends; Any Purpose Savings = the equivalent of 90 days’ dividends.

*Any Purpose Savings Certificate: Limited time offer and subject to discontinuation at any time without advance notice. Allows accountholder to select a term ranging from 6 to 24 months. Upon renewal, will renew at a 3-month term. This certificate allows for the accountholder to add funds throughout the term of the certificate.

**11-Month Safety Certificate: Limited time offer and subject to discontinuation at any time without advance notice. Available to both consumer and business members. Upon renewal, will renew as the 12-Month Certificate. Account must be open at least 30 days to be eligible for penalty-free withdrawal. Entire balance must be closed to withdraw funds.

IRA options available only on consumer certificates.

 

Certificates / IRA Certificates

Last updated: 8/1/2025
Term Minimum Balance to Open Dividend Rate1 APY2 Early Withdrawal Penalty3
Any Purpose Savings Certificate* $25.00 1.98% 2.00% 90 Days' Dividends
3 Month $500 1.98% 2.00% 30 Days' Dividends
6 Month $500 4.07% 4.15% 30 Days' Dividends
11 Month Safety Certificate** $1,000 3.44% 3.50% 30 Days' Dividends (if closed before 30 days)
12 Month $1,000 3.92% 4.00% 180 Days' Dividends
18 Month $1,000 2.23% 2.25% 180 Days' Dividends
24 Month $1,000 2.23% 2.25% 180 Days' Dividends
30 Month $1,000 2.47% 2.50% 180 Days' Dividends
36 Month $1,000 3.44% 3.50% 180 Days' Dividends
48 Month $1,000 2.47% 2.50% 365 Days' Dividends
60 Month $1,000 2.47% 2.50% 365 Days' Dividends

1 Variable rate account, rate is subject to change any time after account opening. Fees could reduce earnings. Please see our Rate & 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.

Penalty varies based upon the term of the certificate (and may include principal) as follows: Under one year = the equivalent of 30 days’ dividends; 12-36 months = the equivalent of 180 days’ dividends; over 36 months = the equivalent of 365 days’ dividends; Any Purpose Savings = the equivalent of 90 days’ dividends.

*Any Purpose Savings Certificate: Limited time offer and subject to discontinuation at any time without advance notice. Allows accountholder to select a term ranging from 6 to 24 months. Upon renewal, will renew at a 3-month term. This certificate allows for the accountholder to add funds throughout the term of the certificate.

**11-Month Safety Certificate: Limited time offer and subject to discontinuation at any time without advance notice. Available to both consumer and business members. Upon renewal, will renew as the 12-Month Certificate. Account must be open at least 30 days to be eligible for penalty-free withdrawal. Entire balance must be closed to withdraw funds.

IRA options available only on consumer certificates.

 

Certificates / IRA Certificates

Last updated: 8/1/2025
Term Minimum Balance to Open Dividend Rate1 APY2 Early Withdrawal Penalty3
Any Purpose Savings Certificate* $25.00 1.98% 2.00% 90 Days' Dividends
3 Month $500 1.98% 2.00% 30 Days' Dividends
6 Month $500 4.07% 4.15% 30 Days' Dividends
11 Month Safety Certificate** $1,000 3.44% 3.50% 30 Days' Dividends (if closed before 30 days)
12 Month $1,000 3.92% 4.00% 180 Days' Dividends
18 Month $1,000 2.23% 2.25% 180 Days' Dividends
24 Month $1,000 2.23% 2.25% 180 Days' Dividends
30 Month $1,000 2.47% 2.50% 180 Days' Dividends
36 Month $1,000 3.44% 3.50% 180 Days' Dividends
48 Month $1,000 2.47% 2.50% 365 Days' Dividends
60 Month $1,000 2.47% 2.50% 365 Days' Dividends

1 Variable rate account, rate is subject to change any time after account opening. Fees could reduce earnings. Please see our Rate & 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.

Penalty varies based upon the term of the certificate (and may include principal) as follows: Under one year = the equivalent of 30 days’ dividends; 12-36 months = the equivalent of 180 days’ dividends; over 36 months = the equivalent of 365 days’ dividends; Any Purpose Savings = the equivalent of 90 days’ dividends.

*Any Purpose Savings Certificate: Limited time offer and subject to discontinuation at any time without advance notice. Allows accountholder to select a term ranging from 6 to 24 months. Upon renewal, will renew at a 3-month term. This certificate allows for the accountholder to add funds throughout the term of the certificate.

**11-Month Safety Certificate: Limited time offer and subject to discontinuation at any time without advance notice. Available to both consumer and business members. Upon renewal, will renew as the 12-Month Certificate. Account must be open at least 30 days to be eligible for penalty-free withdrawal. Entire balance must be closed to withdraw funds.

IRA options available only on consumer certificates.

 

* Individuals under age 18 are exempt from these fees.

** Fee applies when overdraft is created by check, in-person withdrawal, or other electronic means.

***Fee applies when overdraft is created during an ATM or one-time debit transaction. Affirmative consent (opt-in) is required.

**** A Non 3Rivers transaction is considered an inquiry, transfer, deposit or withdrawal on any non-3Rivers owned ATM.  This fee does not apply to transactions on Rhythm (Epic) or Livin' Free Checking Accounts.

***** A Point-of-Sale (POS) transaction can mean a retail shop, a checkout counter in a shop, or the location where a transaction occurs. More specifically, the point-of-sale often refers to the hardware and software used for checkouts – the equivalent of an electronic cash register.

****** No activity on account for 12 months. IRA accounts and accounts with $1,000+ in assets or primary owner is under the age of 18 are exempt from this fee.

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