Savings Products
3Rivers Share Certificates & Specials
Save your money with a fixed rate and greater earnings over a specific term.
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 $25, you can open a share certificate right now.
Share Certificate Specials
We’ve always been top of market in our savings offerings, and now, we have even more great long and short term earning opportunities.
Any Purpose Certificate 2
The Any Purpose Savings Certificate is designed to help you grow your savings. It allows the flexibility to make additional deposits, of any size, at any time, during the term of the certificate.
This certificate option helps you achieve your savings goal by offering:
- Automatic deposits to grow savings easier.
- Low minimum starting deposit of only $25.
- A flexible timeline – you select your maturity date! Choose terms from 6 months to 24 months.
: 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.
Share Certificate Specials
| Term/Options | Minimum Balance to Open | Dividend Rate | APY | Early Withdrawal Penalty¹ |
|---|---|---|---|---|
| Any Purpose Savings Certificate² | $25.00 | 1.49% | 1.50% | 90 Days' Dividends |
| 7 Month4 | $5,000 | 4.64% | 4.75% | 30 Days' Dividends |
| 11 Month Safety Certificate3 |
$5,000 | 3.44% | 3.50% | 30 Days' Dividends (If closed before 30 days) |
| 33 Month7 | $5,000 | 3.92% | 4.00% | 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 - 7-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 6-Month Term."
5 - 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.
Certificates / IRA Certificates
| Term | Minimum Balance to Open | Dividend Rate1 | APY2 | Early Withdrawal Penalty* |
|---|---|---|---|---|
| 3 Month | $500 | 0.50% | 0.50% | 30 Days' Dividends |
| 6 Month | $500 | 0.60% | 0.60% | 30 Days' Dividends |
| 12 Month | $1,000 | 1.49% | 1.50% | 180 Days' Dividends |
| 18 Month | $1,000 | 0.75% | 0.75% | 180 Days' Dividends |
| 24 Month | $1,000 | 0.90% | 0.90% | 180 Days' Dividends |
| 30 Month | $1,000 | 1.04% | 1.05% | 180 Days' Dividends |
| 36 Month | $1,000 | 1.24% | 1.25% | 180 Days' Dividends |
| 48 Month | $1,000 | 1.49% | 1.50% | 365 Days' Dividends |
| 60 Month | $1,000 | 2.48% | 2.50% | 365 Days' Dividends |
* 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..
1 Variable rate account, rate is subject to change anytime 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.
IRA options available only on consumer certificates.