Rate & Fee Disclosure
Truth In Savings Disclosure (PDF)
Certificates / IRA Certificates
| 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 | 4.06% | 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.
3 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
| 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 | 4.06% | 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.
3 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
| 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 | 4.06% | 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.
3 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
| 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 | 4.06% | 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.
3 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
| 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 | 4.06% | 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.
3 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
| 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 | 4.06% | 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.
3 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
| 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 | 4.06% | 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.
3 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
| 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 | 4.06% | 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.
3 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.