Rate & Fee Disclosure

Dividends+ Checking

Last updated: 3/10/2023

Balance Tier¹	Dividend Rate²	APY³
Portion up to $9,999.99⁵	1.49%	1.50
Portion $10,000+⁶	0.15%	0.15%
Base rate (paid on entire portion if requirements are not met)⁷	0.01%	0.01%

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.

²Please note: the rates displayed here are the current rates for both Epic or Dividends+ Checking accounts.

³APY = Annual Percentage Rate. $25 minimum opening balance. There is no minimum balance requirement after opening. Rates are variable and set by the Board of Directors on a monthly basis. Fees could reduce earnings. Applicable transactions must be posted during the qualifications cycle in order to be counted towards requirements for rewards. A $5 monthly maintenance fee applies to Dividends+ Checking if monthly qualifications are not met.

⁴Click Here for the Dividends+ Checking Calendar for qualifications and rewards cycles

⁵An dividend rate of 1.49% (APY 1.50%) will be paid only on the portion of your daily balance that is less than $10,000.00.

⁶An dividend rate of 0.15% (APY 0.15%) will be paid only on the portion of your daily balance that is greater than $10,000.00.

^₇A Base dividend rate of 0.01% (APY 0.01%) will be paid on your entire daily balance if requirements are not met.

Dividends+ Checking

Last updated: 3/10/2023

Balance Tier¹	Dividend Rate²	APY³
Portion up to $9,999.99⁵	1.49%	1.50
Portion $10,000+⁶	0.15%	0.15%
Base rate (paid on entire portion if requirements are not met)⁷	0.01%	0.01%

²Please note: the rates displayed here are the current rates for both Epic or Dividends+ Checking accounts.

⁴Click Here for the Dividends+ Checking Calendar for qualifications and rewards cycles

⁵An dividend rate of 1.49% (APY 1.50%) will be paid only on the portion of your daily balance that is less than $10,000.00.

⁶An dividend rate of 0.15% (APY 0.15%) will be paid only on the portion of your daily balance that is greater than $10,000.00.

^₇A Base dividend rate of 0.01% (APY 0.01%) will be paid on your entire daily balance if requirements are not met.

Dividends+ Checking

Last updated: 3/10/2023

Balance Tier¹	Dividend Rate²	APY³
Portion up to $9,999.99⁵	1.49%	1.50
Portion $10,000+⁶	0.15%	0.15%
Base rate (paid on entire portion if requirements are not met)⁷	0.01%	0.01%

²Please note: the rates displayed here are the current rates for both Epic or Dividends+ Checking accounts.

⁴Click Here for the Dividends+ Checking Calendar for qualifications and rewards cycles

⁵An dividend rate of 1.49% (APY 1.50%) will be paid only on the portion of your daily balance that is less than $10,000.00.

⁶An dividend rate of 0.15% (APY 0.15%) will be paid only on the portion of your daily balance that is greater than $10,000.00.

^₇A Base dividend rate of 0.01% (APY 0.01%) will be paid on your entire daily balance if requirements are not met.

Dividends+ Checking

Last updated: 3/10/2023

Balance Tier¹	Dividend Rate²	APY³
Portion up to $9,999.99⁵	1.49%	1.50
Portion $10,000+⁶	0.15%	0.15%
Base rate (paid on entire portion if requirements are not met)⁷	0.01%	0.01%

²Please note: the rates displayed here are the current rates for both Epic or Dividends+ Checking accounts.

⁴Click Here for the Dividends+ Checking Calendar for qualifications and rewards cycles

⁵An dividend rate of 1.49% (APY 1.50%) will be paid only on the portion of your daily balance that is less than $10,000.00.

⁶An dividend rate of 0.15% (APY 0.15%) will be paid only on the portion of your daily balance that is greater than $10,000.00.

^₇A Base dividend rate of 0.01% (APY 0.01%) will be paid on your entire daily balance if requirements are not met.

Dividends+ Checking

Last updated: 3/10/2023

Balance Tier¹	Dividend Rate²	APY³
Portion up to $9,999.99⁵	1.49%	1.50
Portion $10,000+⁶	0.15%	0.15%
Base rate (paid on entire portion if requirements are not met)⁷	0.01%	0.01%

²Please note: the rates displayed here are the current rates for both Epic or Dividends+ Checking accounts.

⁴Click Here for the Dividends+ Checking Calendar for qualifications and rewards cycles

⁵An dividend rate of 1.49% (APY 1.50%) will be paid only on the portion of your daily balance that is less than $10,000.00.

⁶An dividend rate of 0.15% (APY 0.15%) will be paid only on the portion of your daily balance that is greater than $10,000.00.

^₇A Base dividend rate of 0.01% (APY 0.01%) will be paid on your entire daily balance if requirements are not met.

Dividends+ Checking

Last updated: 3/10/2023

Balance Tier¹	Dividend Rate²	APY³
Portion up to $9,999.99⁵	1.49%	1.50
Portion $10,000+⁶	0.15%	0.15%
Base rate (paid on entire portion if requirements are not met)⁷	0.01%	0.01%

²Please note: the rates displayed here are the current rates for both Epic or Dividends+ Checking accounts.

⁴Click Here for the Dividends+ Checking Calendar for qualifications and rewards cycles

⁵An dividend rate of 1.49% (APY 1.50%) will be paid only on the portion of your daily balance that is less than $10,000.00.

⁶An dividend rate of 0.15% (APY 0.15%) will be paid only on the portion of your daily balance that is greater than $10,000.00.

^₇A Base dividend rate of 0.01% (APY 0.01%) will be paid on your entire daily balance if requirements are not met.

Dividends+ Checking

Last updated: 3/10/2023

Balance Tier¹	Dividend Rate²	APY³
Portion up to $9,999.99⁵	1.49%	1.50
Portion $10,000+⁶	0.15%	0.15%
Base rate (paid on entire portion if requirements are not met)⁷	0.01%	0.01%

²Please note: the rates displayed here are the current rates for both Epic or Dividends+ Checking accounts.

⁴Click Here for the Dividends+ Checking Calendar for qualifications and rewards cycles

⁵An dividend rate of 1.49% (APY 1.50%) will be paid only on the portion of your daily balance that is less than $10,000.00.

⁶An dividend rate of 0.15% (APY 0.15%) will be paid only on the portion of your daily balance that is greater than $10,000.00.

^₇A Base dividend rate of 0.01% (APY 0.01%) will be paid on your entire daily balance if requirements are not met.

Dividends+ Checking

Last updated: 3/10/2023

Balance Tier¹	Dividend Rate²	APY³
Portion up to $9,999.99⁵	1.49%	1.50
Portion $10,000+⁶	0.15%	0.15%
Base rate (paid on entire portion if requirements are not met)⁷	0.01%	0.01%

²Please note: the rates displayed here are the current rates for both Epic or Dividends+ Checking accounts.

⁴Click Here for the Dividends+ Checking Calendar for qualifications and rewards cycles

⁵An dividend rate of 1.49% (APY 1.50%) will be paid only on the portion of your daily balance that is less than $10,000.00.

⁶An dividend rate of 0.15% (APY 0.15%) will be paid only on the portion of your daily balance that is greater than $10,000.00.

^₇A Base dividend rate of 0.01% (APY 0.01%) will be paid on your entire daily balance if requirements are not met.

_{* 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. An account with $1,000+ in assets or holder is under the age of 18 is exempt from this fee.}