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Find a list of our rates here! They update often, so be sure to check back or subscribe to a rate change. We'll let you know when rates change so you can make a decision on whether or not to purchase.

Mortgage Rates

Last updated: 7/15/2020
Program Name Rate (as low as)1 APR2
5/1 ARM 3.250% 3.194%
7/1 ARM 3.375% 3.291%
30 Year Fixed (Conforming) 2.875% 3.029%
20 Year Fixed (Conforming) 2.625% 2.842%
15 Year Fixed (Conforming) 2.250% 2.530%
10 Year Fixed (Conforming) 2.125% 2.534%

Apply Now Customized Rates based on your Loan Details

1Rates are subject to change without notice and is based upon borrower qualifications and credit review.

2Annual Percentage Rate (APR) is calculated based on a loan amount of $100,000.00.

Second Mortgage

Last updated: 7/1/2020
Second Mortgage Loan Amount Term1 Rate APR1
Home Equity LOC $10,000 - $250,000 180 month term loan. Payment 1.5% of outstanding balance, but not less than $50. as low as 3.25% 3.464%
Interest Only Home Equity LOC $10,000 - $250,000 120 month term loan. Monthly payment will be all accrued yet unpaid finance charges due. as low as 3.25% 3.562%
Closed End Second Mortgage 60 $10,000 - $200,000 60 months as low as 5.50% 6.114%
Closed End Second Mortgage 120 $20,000 - $200,000 120 months as low as 5.50% 5.663%
Closed End Second Mortgage 180 $50,000 - $200,000 180 months as low as 5.75% 5.796%

Apply Now

1APR=APR=Annual Percentage Rate. All rates advertised are based upon borrowers qualifications. Rates for Home Equity LOC and Interest Only Home Equity LOC are based on prime (index), as published in the Wall Street Journal, plus a margin. Index plus margin equals the Interest Rate. Current prime is 5.50%. Interest rate will never be less than 3% nor greater than 18%.

All home lending products are subject to credit and property approval. Rates, program terms and conditions are subject to change without notice. Not all products are available in all states. Other restrictions and limitations apply. Our Home Equity loan products may not be used to purchase the property being used as collateral. With home equity loans, depending on how the loan proceeds are used, you may be able to deduct the interest you pay. The interest you pay on credit cards and other types of personal loans is generally not tax-deductible. Consult your tax advisor about the deductibility of interest.

Rates for Home Equity LOC and Interest Only Home Equity LOC are based on prime (index), as published in the Wall Street Journal on the last day of the month, plus a margin. Index plus margin equals the Interest Rate. Current prime is 5.50%. Interest rate will never be less than 3% nor greater than 18%.

Closed End Second Mortgage Loans: Available loan terms vary based on loan amount.

Payment Examples:
• Closed End Real Estate – 120 months @ 5.75% your payment will roughly be $10.98 monthly per $1,000 borrowed.

The APR has been calculated using the minimum loan amount and the maximum term listed. Your APR will vary depending on the loan amount, interest rate & loan term.

Auto & Truck Loans

Last updated: 7/1/2020
Model Years Term Minimum Loan Amount Rate APR1
2016 & Newer 12 - 36 months $5,000 as low as 3.19% 3.64%
2016 & Newer 37 - 48 months $5,000 as low as 3.19% 3.53%
2016 & Newer 49 - 60 months $5,000 as low as 3.39% 3.67%
2016 & Newer 61 - 72 months $10,000 as low as 3.59% 3.71%
2016 & Newer 73 - 84 months $15,000 as low as 3.79% 3.86%
2013-2015 12 - 36 months $5,000 as low as 3.59% 4.04%
2013-2015 37 - 48 months $5,000 as low as 3.59% 3.93%
2013-2015 49 - 60 months $5,000 as low as 3.79% 4.07%
2013-2015 61 - 72 months $10,000 as low as 3.99% 4.11%
2010-2012 12 - 36 months $5,000 as low as 4.19% 4.64%
2010-2012 37 - 48 months $5,000 as low as 4.19% 4.53%
2010-2012 49 - 60 months $5,000 as low as 4.39% 4.67%
2009 & Older 12 - 48 months $5,000 as low as 5.39% 5.74%

Apply for a 3Rivers Auto & Truck Loan

1APR=Annual Percentage Rate. All rates advertised are based upon borrowers qualifications and loan amount.

Get up to $500 cash back and make no payments for 45 days. Click here for details.

APR Calculations above have been based on a loan amount of $10,000 for the maximum term listed and account for a VSI Fee of $34. Your APR will vary depending on your loan amount, interest rate & loan term.

Payment Example:

Vehicle - 60 months @ 2.94% your payment will be roughly $17.94 monthly per $1000 borrowed.

Please use our Loan Payment Calculator for additional scenarios relevant to your unique needs.

For No (FICO) Score Applicants: 72m max term.

Motorcycle, ATV, Personal Watercraft, Snowmobile, Trailer

Last updated: 7/1/2020
Model Year Term Minimum Loan Amount Rate APR1
2018 & Newer 12 - 36 months $5,000 as low as 3.64% 4.09%
2018 & Newer 37 - 48 months $5,000 as low as 3.84% 4.18%
2018 & Newer 49 - 60 months $5,000 as low as 4.04% 4.32%
2018 & Newer 61 - 72 months $10,000 as low as 4.34% 4.46%
2015-2017 12 - 36 months $5,000 as low as 4.24% 4.69%
2015-2017 37 - 48 months $5,000 as low as 4.44% 4.78%
2015-2017 49 - 60 months $5,000 as low as 4.64% 4.92%
2012-2014 12 - 36 months $5,000 as low as 5.24% 5.69%
2012-2014 37 - 48 months $5,000 as low as 5.44% 5.79%
2012-2014 49 - 60 months $5,000 as low as 5.64% 5.92%
2009-2011 12 - 48 months $5,000 as low as 6.44% 6.79%
2008 & Older 12 - 48 months $5,000 as low as 8.74% 9.09%

Apply for a 3Rivers Motorcycle, ATV & Watercraft Loan

Payment Example(s):
• Motorcycle, ATV, Personal Watercraft & Snowmobiles – 60 month @ 3.49% your payment will be roughly $18.19 monthly per $1,000 borrowed
• Please use our Loan Payment Calculator for additional scenarios relevant to your unique needs.

Annual Percentage Rate (APR) Calculations above have been based on a loan amount of $10,000 for the maximum term listed and account for a VSI Fee of $34. Your APR will vary depending on your loan amount, interest rate & loan term.

No (FICO) Score Applicants: 72m max term.

Camper / RV

Last updated: 7/1/2020
Model Year Term Minimum Loan Amount Rate APR1
2018 & Newer* 12 - 60 months $5,000 as low as 3.54% 3.82%
2018 & Newer* 61 - 72 months $10,000 as low as 3.88% 4.00%
2018 & Newer* 73 - 96 months $15,000 as low as 4.22% 4.28%
2018 & Newer* 97 - 144 months $15,000 as low as 4.56% 4.60%
2018 & Newer* 145 - 180 months $25,000 as low as 4.90% 4.92%

Apply for a 3Rivers Camper/RV Loan

1APR=Annual Percentage Rate.

* For Camper / RV/Boat loans where model year is from 2014 to 2017, add 1% to the listed rates. Where model year is 2010 to 2013, add 2%. If model year is 2009 or older add 3% to the listed rates.

Payment Examples
• Camper/RV – 60 month @ 4.99% your payment will be roughly $18.87 monthly per $1,000 borrowed
• Please use our Loan Payment Calculator for additional scenarios relevant to your unique needs.

Term guidelines: 12-60 months minimum loan amount $5K. 61-72 months minimum loan amount $10K. 73-96 months minimum loan amount $15K. 97-144 months minimum loan amount $25K. 145-180 months minimum loan amount $35K.

Boat

Last updated: 7/1/2020
Model Year Term Minimum Loan Amount Rate APR1
2018 & Newer* 12 - 60 months $5,000 as low as 3.54% 3.82%
2018 & Newer* 61 - 72 months $10,000 as low as 3.88% 4.00%
2018 & Newer* 73 - 96 months $15,000 as low as 4.22% 4.28%
2018 & Newer* 97 - 144 months $15,000 as low as 4.56% 4.60%
2018 & Newer* 145 - 180 months $25,000 as low as 4.90% 4.92%

Apply for a 3Rivers Boat Loan

1APR=Annual Percentage Rate.

* For Boat loans where model year is from 2014 to 2017, add 1% to the listed rates. Where model year is 2010 to 2013, add 2%. If model year is 2009 or older add 3% to the listed rates.

Payment Example(s):

  • Boat – 60 months @ 4.99% your payment will be roughly $18.87 monthly per $1,000 borrowed
  • Please use our Loan Payment Calculator for additional scenarios relevant to your unique needs.

APR Calculations above have been based on a loan amount of $10,000 for the maximum term listed and account for a VSI Fee of $34. Your APR will vary depending on your loan amount, interest rate & loan term.

Unsecured

Last updated: 7/1/2020
Unsecured Lines of Credit APR1
$1,000 minimum - $3,000 maximum as low as 11.70%
Unsecured Term Loan
12 - 48 months, $1,000 minimum loan amount as low as 10.94%
49 - 60 months, $5,000 minimum loan amount as low as 11.29%
61 - 72 months, $10,000 minimum loan amount as low as 11.64%
73 - 84 months, $15,000 minimum loan amount as low as 11.99%

Apply for your 3Rivers Unsecured Loan

1APR=Annual Percentage Rate. All rates advertised are based upon borrowers qualifications.

2LOC = Line of Credit

Payment Example(s):
• Term – 60 months @ 10.89% your payment will be roughly $21.69 monthly per $1,000 borrowed
• Please use our Loan Payment Calculator for additional scenarios relevant to your unique needs.

Mastercard Platinum Credit Card

Last updated: 7/1/2020
Perk Description
Annual Percentage Rate1 As low as 10.95% APR1
Minimum Finance Charge NONE
Annual Fee NONE
Grace Period If you pay your previous balance in full on or before the due date shown on your previous statement, you will have a grace period on purchases of 25 days from the statement closing date to the payment due date.
Cash Advances 3%
Balance Transfer Fee NONE
Over Limit Fee NONE
Late Payment Fee $25.00 if payment is more than 10 days late
Method of Computing Balance Average daily balance including new transactions

Apply for a 3Rivers Platinum MasterCard

1No annual fee. Annual percentage rate and credit limit based on credit analysis and evaluation.

Student Loans

Last updated: 7/1/2020
Type Balance Rate Term
Undergraduate Private Student Loan - Variable $1,000 - $60,000 as low as 5.24%(1)(2)
Undergraduate Private Student Loan - Fixed $1,000 - $40,000 as low as 5.74%
Graduate Private Student Loan $1,000 - $60,000 as low as 5.24%(1)(2)
Student Loan Refinance (Federal & Private) $5,000 - $100,000(3) as low as 3.99%(4) 12 - 60 months
Student Loan Refinance (Federal & Private) $10,000 - $100,000(3) as low as 4.49%(4) 61 - 120 months
Student Loan Refinance (Federal & Private) $15,000 - $100,000(3) as low as 4.99%(4) 121 - 180 months

Apply for New Loan   Refi Existing Loan

(1) The Annual Percentage Rate is subject to change after consummation. Your interest rate is variable and may be adjusted quarterly on each January 1, April 1, July 1 and October 1 (Adjustment Date) based on the Prime index as published in the Wall Street Journal on the first business day of the month immediately prior to the Adjustment Date (e.g., December, March, June and September). Any increase in the index may increase the APR and the amount of your monthly payment.

(2) The "Index" for the quarter beginning April 1st, 2020, is 3.25%, which was the Prime index published in the Wall Street Journal on the first business day of January 2019. Current offered rate(s) are calculated by using the Index, Margin and Floor value(s) in effect. Your specific Interest Rate and/or credit approval depends upon the credit qualifications of the student borrower and co-borrower (if applicable). The APR will not exceed 18.00%, or fall below the Floor rate (currently 4.99%) regardless of the Index. Margin will be disclosed at account opening.

Student Choice applications are submitted via our website at: http://3riversfcu.studentchoice.org

(3) Total loan amount considered will be subject to a $100,000 unsecured aggregate limit (exclusive credit cards).

(4) No Loan Origination Fee and No Early Payoff Penalties; your rate is fixed at the time of loan origination and will be determined based on your Loan Term & FICO score/data obtained from your credit file.

Rhythm Checking

Last updated: 7/1/2020
Balance Tier1 Dividend Rate2 APY3
Portion up to $10,000.995 1.00% 1.01%
Portion over $10,0016 0.15% 0.15%
Base rate (paid on entire portion if requirements are not met)7 0.01% 0.01%

Learn More about Rhythm Checking

If you choose the Tunes Rewards option, you will receive a $10 opening bonus and up to $5 in monthly rebates when you meet the month requirements of the account.

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 Rhythm Checking (Dividend Rewards) accounts.

3APY = Annual Percentage Rate. $25 minimum opening balance. There is no minimum balance requirement after opening. An Epic or Rhythm Checking qualifications cycle is the last day of the month preceding through the second to last day of qualification month. For example, May’s qualification cycle runs from April 30th through May 30th. 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 Rhythm Checking if monthly qualifications are not met.

4 Click here for the Rhythm Checking Calendar for qualifications and rewards cycles

5An dividend rate of 1.00% (APY 1.01%) will be paid only on the portion of your daily balance that is less than $10,001.00.

6An dividend rate of 0.15% (APY 0.15%) will be paid only on the portion of your daily balance that is greater than $10,000.99.

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

Reward Checking

Last updated: 7/1/2020
Balance1 Dividend Rate2 APY3
Up to $9,999.99 0.10% 0.10%
$10,000 to $24,999.99 0.10% 0.10%
$25,000 to $49,999.99 0.15% 0.15%
$50,000 to $74,999.99 0.15% 0.15%
$75,000.00 + 0.20% 0.20%

Learn More about Reward Checking

1$25 minimum balance required to open. A $2,000 minimum daily balance is required to avoid a $5 monthly maintenance fee. Dividends are calculated on the daily balance, compounded monthly and credited to the account at the end of the month. Dividends begin to accrue upon deposit.

2Variable 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.

3APY=Annual Percentage Yield. Deposit accounts are insured by account ownership up to $250,000 by the NATIONAL CREDIT UNION ADMINISTRATION.

Community Checking

Last updated: 7/1/2020
Balance Dividend Rate1 APY2
Up to $24,999.99 0.10% 0.10%
$25,000+ 0.15% 0.15%

Learn More about Community Checking

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.

APY=Annual Percentage Yield. Deposit accounts are insured by account ownership up to $250,000 by the NATIONAL CREDIT UNION ADMINISTRATION.

Business Plus Checking

Last updated: 7/1/2020
Balance Dividend Rate1 APY2
Up to $2,499.99 0.10% 0.10%
$2,500 to $9,999.99 0.10% 0.10%
$10,000 to $24,999.99 0.10% 0.10%
$25,000+ 0.15% 0.15%

Learn More about Business Checking

1Variable 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.

2APY=Annual Percentage Yield. Deposit accounts are insured by account ownership up to $250,000 by the NATIONAL CREDIT UNION ADMINISTRATION.

Standard Savings

Last updated: 7/1/2020
Dividend Rate1 APY2
0.10% 0.10%

Learn More about Standard Savings

$5 minimum balance required to open. Monthly maintenance free is waived if ANY ONE of the following is true:

  • You Receive eStatements
  • Your Stand Savings account maintains a minimum daily balance of at least $500.00
  • Your individual combined relationship has a minimum daily balance of at least $2,500.00
  • Your Standard Savings account is 60 days old or less
  • The primary owner is under the age 18
  • You are primary owner of an active 3Rivers consumer checking account

Dividends are calculated on the daily balance, compounded monthly and credited to the account at the end of the month. Dividends begin to accrue upon deposit. Savings rates are variable and set by the Board of Directors on a monthly basis.

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.

2APY=Annual Percentage Yield. Deposit accounts are insured by account ownership up to $250,000 by the NATIONAL CREDIT UNION ADMINISTRATION.

Livin’ Free Savings

Last updated: 7/1/2020
Balance1 Dividend Rate2 APY3
Portion up to $5004 2.50% 2.53%
Portion over $500.015 0.10% 0.10%

Learn More about Livin' Free Savings

Available to members up to age 25. Upon turning age 26, account will become a Standard Savings Account. Limited to one Livin' Free Savings Account per individual tax owner. $5 minimum balance required to open. Rates are variable and set by the Board of Directors on a monthly basis. Dividends are calculated on the daily balance, compounded monthly, and credited to the account at the end of the month. Dividends begin to accrue upon deposit.

2Variable 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.

3APY=Annual Percentage Yield. Deposit accounts are insured by account ownership up to $250,000 by the NATIONAL CREDIT UNION ADMINISTRATION.

4An dividend rate of 2.50% (APY 2.53%) will be paid only on the portion of your daily balance that is less than $500.01.

5An dividend rate of 0.10% (APY 0.10%) will be paid only on the portion of your daily balance that is greater than $500.00.

Certificates / IRA Certificates

Last updated: 7/1/2020
Term Minimum Balance to Open Dividend Rate1 APY2 Early Withdrawal Penalty*
3 Month $500 0.10% 0.10% 30 Days' Dividends
6 Month $500 0.10% 0.10% 30 Days' Dividends
12 Month $1,000 0.20% 0.20% 180 Days' Dividends
18 Month $1,000 0.25% 0.25% 180 Days' Dividends
24 Month $1,000 0.30% 0.30% 180 Days' Dividends
30 Month $1,000 0.35% 0.35% 180 Days' Dividends
36 Month $1,000 0.60% 0.60% 180 Days' Dividends
48 Month $1,000 0.70% 0.70% 365 Days' Dividends
60 Month $1,000 0.75% 0.75% 365 Days' Dividends

Learn More about our Certificate Options

* 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 or DriveUp Savings = the equivalent of 180 days’ dividends; Over 36 months = the equivalent of 365 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.

Share Certificate Special

Last updated: 7/1/2020
Term/Options Minimum Balance to Open Dividend Rate1 APY2 Early Withdrawal Penalty*
13 Month – (Member <10 years)** $10,000 0.40% 0.40% 180 Days' Dividends
13 Month – (Member 10-19 years)** $10,000 0.45% 0.45% 180 Days' Dividends
13 Month – (Member >20 years)** $10,000 0.50% 0.50% 180 Days' Dividends
Any Purpose Savings Certificate*** $25.00 0.20% 0.20% 90 Days' Dividends

Learn More about our Certificate Options

* 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 or DriveUp Savings = the equivalent of 180 days’ dividends; Over 36 months = the equivalent of 365 days’ dividends.

** 13-Month Certificate
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. You are eligible for an increased rate at both a 10+ membership tenure and 20+ membership tenure, the increased rate is applied at the time of account opening. Requires $10,000 minimum opening balance. 

*** Any Purpose Savings
Subject to discontinuation at any time without advance notice. Available to consumer member only. No IRA option available on consumer certificates. Allows accountholder to select a term ranging from 6-24 months. Upon renewal, will renew at a 3-Month Term. Requires $25 minimum opening balance. Fees could reduce earnings. Please see our Fee Disclosure Statement for further information about potentially related fees. APY=Annual Percentage Yield. There may be a penalty for early withdrawal. Dividends compounded daily and pad the last day of each month. Certificates are insured up to $250,000 by the NATIONAL CREDIT UNION ADMINISTRATION.

1 Variable rate account. Rate is subject to change. Fees could reduce earnings. Please see our Rate & Fee Disclosure Statement for further information about potentially related fees.

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.

Money Plus Money Market

Last updated: 7/1/2020
Balance1 Dividend Rate2 APY3
$10,000-$34,999.99 0.15% 0.15%
$35,000-$74,999.99 0.20% 0.20%
$75,000 to $124,999.99 0.25% 0.25%
$125,000 to $499,999.99 0.30% 0.30%
$500,000+ 0.40% 0.40%

Learn More about Money Market Accounts

1A $10,000 minimum balance is required to open. May issue up to 3 checks per month. Dividends calculated on daily balance, compounded daily and credited to account at month end. Dividends begin to accrue upon deposit. If balance falls below $10,000 any time during the month, dividend rates becomes equal to stated Standard Savings rate. Money Market rates are variable and set by the Board of Directors on a monthly basis. A $15 monthly maintenance fee will incur for balances falling below $10,000.

2Variable 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.

3APY=Annual Percentage Yield. Deposit accounts are insured by account ownership up to $250,000 by the NATIONAL CREDIT UNION ADMINISTRATION.

Index Money Market

Last updated: 7/1/2020
Balance1 Dividend Rate2 APY3
Up to - $99,999.99 0.25% 0.25%
$100,000 - $249,999.99 0.50% 0.50%
$250,000 - $499,999.99 0.50% 0.50%
$500,000 - $999,999,999.99 0.50% 0.50%

Learn More about Money Market Accounts

A $100,000 minimum balance is required to open. Dividends calculated on daily balance, compounded daily and credited to account at month end. Dividends begin to accrue upon deposit. If the balance falls below the minimum for the tier, the dividend rate drops to the rate of the lower tier. Index Money Market rates are variable and align with the Fed Funds Rate. This means the rate will coincide with market interest rates, and not be arbitrarily set by the credit union. A $25 monthly maintenance fee will incur for balances falling below $100,000.

Variable rate account, rate is subject to change anytime after account opening. Rate adjusts at the first of the month following any Federal Reserve rate adjustment. Fees could reduce earnings. Please see our Fee Disclosure Statement for further information about fees potentially related to these accounts.

APY=Annual Percentage Yield. Deposit accounts are insured by account ownership up to $250,000 by the NATIONAL CREDIT UNION ADMINISTRATION.

OMA Money Market

Last updated: 7/1/2020
Balance1 Dividend Rate2 APY3
Up to $24,999.99 0.15% 0.15%
$25,000+ 0.20% 0.20%

Learn More about Money Market Accounts

1A $5,000 minimum balance is required to open. Dividends are calculated on the daily balance, compounded daily and credited to the account at the end of the month. Dividends begin to accrue upon deposit. Dividend rates are tiered. If the balance falls below the minimum for the tier, the dividend rate drops to the rate for the next tier. A $10 monthly maintenance will be incurred on balances less than $5,000. Money Market account rates are variable and set by the Board of Directors on a monthly basis.

2Variable 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.

3APY=Annual Percentage Yield. Deposit accounts are insured by account ownership up to $250,000 by the NATIONAL CREDIT UNION ADMINISTRATION.

Health Savings Account (HSA)

Last updated: 7/1/2020
Balance1 Dividend Rate2 APY3
Up to $24,999.99 0.10% 0.10%
$25,000+ 0.15% 0.15%

Learn More about Health Saving Accounts

No minimum opening balance required.

1Dividends are calculated on the daily balance, compounded monthly and credited to the account at the end of the month. Dividends begin to accrue upon deposit. Dividend rates are tiered. If the balance falls below the minimum for the tier, the dividend rate drops to the rate for the next tier.

2Variable 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.

3APY=Annual Percentage Yield. Deposit accounts are insured by account ownership up to $250,000 by the NATIONAL CREDIT UNION ADMINISTRATION.

Individual Retirement Account (IRA)

Last updated: 7/1/2020
Dividend Rate1 APY2
0.25% 0.25%

Learn More about Individual Retirement Accounts

* NO minimum balance required to open. IRA rates are variable and set by the Board of Directors on a monthly basis. Rate subject to change after account is opened. Dividends are calculated on the daily balance, compounded monthly, and credited to the account at the end of the month. Dividends begin to accrue upon deposit. Roth, Traditional, CESA options available. Share Certificates in various terms are also available. Dividends are paid from current income and available earnings after required transfers to reserves are made at the end of a dividend period. Dividends are not guaranteed. IRA rates are variable and set by the Board of Directors on a monthly basis.

1Variable 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.

2APY=Annual Percentage Yield. Deposit accounts are insured by account ownership up to $250,000 by the NATIONAL CREDIT UNION ADMINISTRATION.

Note: A $10 annual maintenance fee will be assessed on accounts under $1,000.00 beginning January 31, 2019.

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