Rate & Fee Disclosure
Truth In Savings Disclosure (PDF)
Share Certificate Specials
| Term/Options | Minimum Balance to Open | Dividend Rate | APY | Early Withdrawal Penalty¹ |
|---|---|---|---|---|
| 11 Month Safety Certificate3 |
$5,000 | 3.20% | 3.25% | 30 Days' Dividends (If closed before 30 days) |
| Any Purpose Savings Certificate² | $25.00 | 1.49% | 1.50% | 90 Days' Dividends |
| 13 Month4 | $5,000 | 4.16% | 4.25% | 180 Days' Dividends |
| 13 Month4 | $10,000 (50% New Money)7 |
4.64% | 4.75% | 180 Days' Dividends |
| 21 Month5 | $5,000 | 4.16% | 4.25% | 180 Days' Dividends |
| 21 Month5 | $10,000 (50% New Money)7 |
4.64% | 4.75% | 180 Days' Dividends |
| 33 Month6 | $5,000 | 4.16% | 4.25% | 180 Days' Dividends |
| 33 Month6 | $10,000 |
4.64% | 4.75% | 180 Days' Dividends |
Learn More about our Certificate Options
1 - Penalty varies based upon the term of the certificate (and may include principal) as follows: Under 1 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.
2 - 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.
3 - 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 opened at least 30 days to be eligible for penalty free withdrawal. Entire balance must be closed to withdrawal funds.
4 - 13-Month Certificate Special: 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 be eligible for the higher rate for the 13-Month Share Certificate at least 50% of the opening balance must be new money to 3Rivers.
5 - 21-Month Certificate Special: 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 24-Month Term. To be eligible for the higher rate for the 21-Month Share Certificate at least 50% of the opening balance must be new money to 3Rivers.
6 - 33-Month Certificate Special: 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 36-Month Term. To be eligible for the higher rate for the 33-Month Share Certificate at least 50% of the opening balance must be new money to 3Rivers.
7 - New Money: The funds may not be from an existing 3Rivers membership account.
Share Certificate Specials
| Term/Options | Minimum Balance to Open | Dividend Rate | APY | Early Withdrawal Penalty¹ |
|---|---|---|---|---|
| 11 Month Safety Certificate3 |
$5,000 | 3.20% | 3.25% | 30 Days' Dividends (If closed before 30 days) |
| Any Purpose Savings Certificate² | $25.00 | 1.49% | 1.50% | 90 Days' Dividends |
| 13 Month4 | $5,000 | 4.16% | 4.25% | 180 Days' Dividends |
| 13 Month4 | $10,000 (50% New Money)7 |
4.64% | 4.75% | 180 Days' Dividends |
| 21 Month5 | $5,000 | 4.16% | 4.25% | 180 Days' Dividends |
| 21 Month5 | $10,000 (50% New Money)7 |
4.64% | 4.75% | 180 Days' Dividends |
| 33 Month6 | $5,000 | 4.16% | 4.25% | 180 Days' Dividends |
| 33 Month6 | $10,000 |
4.64% | 4.75% | 180 Days' Dividends |
Learn More about our Certificate Options
1 - Penalty varies based upon the term of the certificate (and may include principal) as follows: Under 1 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.
2 - 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.
3 - 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 opened at least 30 days to be eligible for penalty free withdrawal. Entire balance must be closed to withdrawal funds.
4 - 13-Month Certificate Special: 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 be eligible for the higher rate for the 13-Month Share Certificate at least 50% of the opening balance must be new money to 3Rivers.
5 - 21-Month Certificate Special: 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 24-Month Term. To be eligible for the higher rate for the 21-Month Share Certificate at least 50% of the opening balance must be new money to 3Rivers.
6 - 33-Month Certificate Special: 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 36-Month Term. To be eligible for the higher rate for the 33-Month Share Certificate at least 50% of the opening balance must be new money to 3Rivers.
7 - New Money: The funds may not be from an existing 3Rivers membership account.
Share Certificate Specials
| Term/Options | Minimum Balance to Open | Dividend Rate | APY | Early Withdrawal Penalty¹ |
|---|---|---|---|---|
| 11 Month Safety Certificate3 |
$5,000 | 3.20% | 3.25% | 30 Days' Dividends (If closed before 30 days) |
| Any Purpose Savings Certificate² | $25.00 | 1.49% | 1.50% | 90 Days' Dividends |
| 13 Month4 | $5,000 | 4.16% | 4.25% | 180 Days' Dividends |
| 13 Month4 | $10,000 (50% New Money)7 |
4.64% | 4.75% | 180 Days' Dividends |
| 21 Month5 | $5,000 | 4.16% | 4.25% | 180 Days' Dividends |
| 21 Month5 | $10,000 (50% New Money)7 |
4.64% | 4.75% | 180 Days' Dividends |
| 33 Month6 | $5,000 | 4.16% | 4.25% | 180 Days' Dividends |
| 33 Month6 | $10,000 |
4.64% | 4.75% | 180 Days' Dividends |
Learn More about our Certificate Options
1 - Penalty varies based upon the term of the certificate (and may include principal) as follows: Under 1 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.
2 - 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.
3 - 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 opened at least 30 days to be eligible for penalty free withdrawal. Entire balance must be closed to withdrawal funds.
4 - 13-Month Certificate Special: 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 be eligible for the higher rate for the 13-Month Share Certificate at least 50% of the opening balance must be new money to 3Rivers.
5 - 21-Month Certificate Special: 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 24-Month Term. To be eligible for the higher rate for the 21-Month Share Certificate at least 50% of the opening balance must be new money to 3Rivers.
6 - 33-Month Certificate Special: 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 36-Month Term. To be eligible for the higher rate for the 33-Month Share Certificate at least 50% of the opening balance must be new money to 3Rivers.
7 - New Money: The funds may not be from an existing 3Rivers membership account.
Share Certificate Specials
| Term/Options | Minimum Balance to Open | Dividend Rate | APY | Early Withdrawal Penalty¹ |
|---|---|---|---|---|
| 11 Month Safety Certificate3 |
$5,000 | 3.20% | 3.25% | 30 Days' Dividends (If closed before 30 days) |
| Any Purpose Savings Certificate² | $25.00 | 1.49% | 1.50% | 90 Days' Dividends |
| 13 Month4 | $5,000 | 4.16% | 4.25% | 180 Days' Dividends |
| 13 Month4 | $10,000 (50% New Money)7 |
4.64% | 4.75% | 180 Days' Dividends |
| 21 Month5 | $5,000 | 4.16% | 4.25% | 180 Days' Dividends |
| 21 Month5 | $10,000 (50% New Money)7 |
4.64% | 4.75% | 180 Days' Dividends |
| 33 Month6 | $5,000 | 4.16% | 4.25% | 180 Days' Dividends |
| 33 Month6 | $10,000 |
4.64% | 4.75% | 180 Days' Dividends |
Learn More about our Certificate Options
1 - Penalty varies based upon the term of the certificate (and may include principal) as follows: Under 1 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.
2 - 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.
3 - 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 opened at least 30 days to be eligible for penalty free withdrawal. Entire balance must be closed to withdrawal funds.
4 - 13-Month Certificate Special: 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 be eligible for the higher rate for the 13-Month Share Certificate at least 50% of the opening balance must be new money to 3Rivers.
5 - 21-Month Certificate Special: 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 24-Month Term. To be eligible for the higher rate for the 21-Month Share Certificate at least 50% of the opening balance must be new money to 3Rivers.
6 - 33-Month Certificate Special: 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 36-Month Term. To be eligible for the higher rate for the 33-Month Share Certificate at least 50% of the opening balance must be new money to 3Rivers.
7 - New Money: The funds may not be from an existing 3Rivers membership account.
Share Certificate Specials
| Term/Options | Minimum Balance to Open | Dividend Rate | APY | Early Withdrawal Penalty¹ |
|---|---|---|---|---|
| 11 Month Safety Certificate3 |
$5,000 | 3.20% | 3.25% | 30 Days' Dividends (If closed before 30 days) |
| Any Purpose Savings Certificate² | $25.00 | 1.49% | 1.50% | 90 Days' Dividends |
| 13 Month4 | $5,000 | 4.16% | 4.25% | 180 Days' Dividends |
| 13 Month4 | $10,000 (50% New Money)7 |
4.64% | 4.75% | 180 Days' Dividends |
| 21 Month5 | $5,000 | 4.16% | 4.25% | 180 Days' Dividends |
| 21 Month5 | $10,000 (50% New Money)7 |
4.64% | 4.75% | 180 Days' Dividends |
| 33 Month6 | $5,000 | 4.16% | 4.25% | 180 Days' Dividends |
| 33 Month6 | $10,000 |
4.64% | 4.75% | 180 Days' Dividends |
Learn More about our Certificate Options
1 - Penalty varies based upon the term of the certificate (and may include principal) as follows: Under 1 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.
2 - 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.
3 - 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 opened at least 30 days to be eligible for penalty free withdrawal. Entire balance must be closed to withdrawal funds.
4 - 13-Month Certificate Special: 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 be eligible for the higher rate for the 13-Month Share Certificate at least 50% of the opening balance must be new money to 3Rivers.
5 - 21-Month Certificate Special: 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 24-Month Term. To be eligible for the higher rate for the 21-Month Share Certificate at least 50% of the opening balance must be new money to 3Rivers.
6 - 33-Month Certificate Special: 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 36-Month Term. To be eligible for the higher rate for the 33-Month Share Certificate at least 50% of the opening balance must be new money to 3Rivers.
7 - New Money: The funds may not be from an existing 3Rivers membership account.
Share Certificate Specials
| Term/Options | Minimum Balance to Open | Dividend Rate | APY | Early Withdrawal Penalty¹ |
|---|---|---|---|---|
| 11 Month Safety Certificate3 |
$5,000 | 3.20% | 3.25% | 30 Days' Dividends (If closed before 30 days) |
| Any Purpose Savings Certificate² | $25.00 | 1.49% | 1.50% | 90 Days' Dividends |
| 13 Month4 | $5,000 | 4.16% | 4.25% | 180 Days' Dividends |
| 13 Month4 | $10,000 (50% New Money)7 |
4.64% | 4.75% | 180 Days' Dividends |
| 21 Month5 | $5,000 | 4.16% | 4.25% | 180 Days' Dividends |
| 21 Month5 | $10,000 (50% New Money)7 |
4.64% | 4.75% | 180 Days' Dividends |
| 33 Month6 | $5,000 | 4.16% | 4.25% | 180 Days' Dividends |
| 33 Month6 | $10,000 |
4.64% | 4.75% | 180 Days' Dividends |
Learn More about our Certificate Options
1 - Penalty varies based upon the term of the certificate (and may include principal) as follows: Under 1 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.
2 - 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.
3 - 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 opened at least 30 days to be eligible for penalty free withdrawal. Entire balance must be closed to withdrawal funds.
4 - 13-Month Certificate Special: 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 be eligible for the higher rate for the 13-Month Share Certificate at least 50% of the opening balance must be new money to 3Rivers.
5 - 21-Month Certificate Special: 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 24-Month Term. To be eligible for the higher rate for the 21-Month Share Certificate at least 50% of the opening balance must be new money to 3Rivers.
6 - 33-Month Certificate Special: 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 36-Month Term. To be eligible for the higher rate for the 33-Month Share Certificate at least 50% of the opening balance must be new money to 3Rivers.
7 - New Money: The funds may not be from an existing 3Rivers membership account.
Share Certificate Specials
| Term/Options | Minimum Balance to Open | Dividend Rate | APY | Early Withdrawal Penalty¹ |
|---|---|---|---|---|
| 11 Month Safety Certificate3 |
$5,000 | 3.20% | 3.25% | 30 Days' Dividends (If closed before 30 days) |
| Any Purpose Savings Certificate² | $25.00 | 1.49% | 1.50% | 90 Days' Dividends |
| 13 Month4 | $5,000 | 4.16% | 4.25% | 180 Days' Dividends |
| 13 Month4 | $10,000 (50% New Money)7 |
4.64% | 4.75% | 180 Days' Dividends |
| 21 Month5 | $5,000 | 4.16% | 4.25% | 180 Days' Dividends |
| 21 Month5 | $10,000 (50% New Money)7 |
4.64% | 4.75% | 180 Days' Dividends |
| 33 Month6 | $5,000 | 4.16% | 4.25% | 180 Days' Dividends |
| 33 Month6 | $10,000 |
4.64% | 4.75% | 180 Days' Dividends |
Learn More about our Certificate Options
1 - Penalty varies based upon the term of the certificate (and may include principal) as follows: Under 1 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.
2 - 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.
3 - 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 opened at least 30 days to be eligible for penalty free withdrawal. Entire balance must be closed to withdrawal funds.
4 - 13-Month Certificate Special: 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 be eligible for the higher rate for the 13-Month Share Certificate at least 50% of the opening balance must be new money to 3Rivers.
5 - 21-Month Certificate Special: 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 24-Month Term. To be eligible for the higher rate for the 21-Month Share Certificate at least 50% of the opening balance must be new money to 3Rivers.
6 - 33-Month Certificate Special: 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 36-Month Term. To be eligible for the higher rate for the 33-Month Share Certificate at least 50% of the opening balance must be new money to 3Rivers.
7 - New Money: The funds may not be from an existing 3Rivers membership account.
Share Certificate Specials
| Term/Options | Minimum Balance to Open | Dividend Rate | APY | Early Withdrawal Penalty¹ |
|---|---|---|---|---|
| 11 Month Safety Certificate3 |
$5,000 | 3.20% | 3.25% | 30 Days' Dividends (If closed before 30 days) |
| Any Purpose Savings Certificate² | $25.00 | 1.49% | 1.50% | 90 Days' Dividends |
| 13 Month4 | $5,000 | 4.16% | 4.25% | 180 Days' Dividends |
| 13 Month4 | $10,000 (50% New Money)7 |
4.64% | 4.75% | 180 Days' Dividends |
| 21 Month5 | $5,000 | 4.16% | 4.25% | 180 Days' Dividends |
| 21 Month5 | $10,000 (50% New Money)7 |
4.64% | 4.75% | 180 Days' Dividends |
| 33 Month6 | $5,000 | 4.16% | 4.25% | 180 Days' Dividends |
| 33 Month6 | $10,000 |
4.64% | 4.75% | 180 Days' Dividends |
Learn More about our Certificate Options
1 - Penalty varies based upon the term of the certificate (and may include principal) as follows: Under 1 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.
2 - 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.
3 - 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 opened at least 30 days to be eligible for penalty free withdrawal. Entire balance must be closed to withdrawal funds.
4 - 13-Month Certificate Special: 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 be eligible for the higher rate for the 13-Month Share Certificate at least 50% of the opening balance must be new money to 3Rivers.
5 - 21-Month Certificate Special: 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 24-Month Term. To be eligible for the higher rate for the 21-Month Share Certificate at least 50% of the opening balance must be new money to 3Rivers.
6 - 33-Month Certificate Special: 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 36-Month Term. To be eligible for the higher rate for the 33-Month Share Certificate at least 50% of the opening balance must be new money to 3Rivers.
7 - New Money: The funds may not be from an existing 3Rivers membership account.
* 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.