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Rate & Fee Disclosure

Truth In Savings Disclosure (PDF)

Certificates / IRA Certificates

Last updated: 11/9/2022
Term Minimum Balance to Open Dividend Rate1 APY2 Early Withdrawal Penalty*
3 Month $500 0.20% 0.20% 30 Days' Dividends
6 Month $500 0.25% 0.25% 30 Days' Dividends
12 Month $1,000 0.99% 1.00% 180 Days' Dividends
18 Month $1,000 0.40% 0.40% 180 Days' Dividends
24 Month $1,000 0.45% 0.45% 180 Days' Dividends
30 Month $1,000 0.50% 0.50% 180 Days' Dividends
36 Month $1,000 0.70% 0.70% 180 Days' Dividends
48 Month $1,000 0.80% 0.80% 365 Days' Dividends
60 Month $1,000 1.98% 2.00% 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.


Certificates / IRA Certificates

Last updated: 11/9/2022
Term Minimum Balance to Open Dividend Rate1 APY2 Early Withdrawal Penalty*
3 Month $500 0.20% 0.20% 30 Days' Dividends
6 Month $500 0.25% 0.25% 30 Days' Dividends
12 Month $1,000 0.99% 1.00% 180 Days' Dividends
18 Month $1,000 0.40% 0.40% 180 Days' Dividends
24 Month $1,000 0.45% 0.45% 180 Days' Dividends
30 Month $1,000 0.50% 0.50% 180 Days' Dividends
36 Month $1,000 0.70% 0.70% 180 Days' Dividends
48 Month $1,000 0.80% 0.80% 365 Days' Dividends
60 Month $1,000 1.98% 2.00% 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.


Certificates / IRA Certificates

Last updated: 11/9/2022
Term Minimum Balance to Open Dividend Rate1 APY2 Early Withdrawal Penalty*
3 Month $500 0.20% 0.20% 30 Days' Dividends
6 Month $500 0.25% 0.25% 30 Days' Dividends
12 Month $1,000 0.99% 1.00% 180 Days' Dividends
18 Month $1,000 0.40% 0.40% 180 Days' Dividends
24 Month $1,000 0.45% 0.45% 180 Days' Dividends
30 Month $1,000 0.50% 0.50% 180 Days' Dividends
36 Month $1,000 0.70% 0.70% 180 Days' Dividends
48 Month $1,000 0.80% 0.80% 365 Days' Dividends
60 Month $1,000 1.98% 2.00% 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.


Certificates / IRA Certificates

Last updated: 11/9/2022
Term Minimum Balance to Open Dividend Rate1 APY2 Early Withdrawal Penalty*
3 Month $500 0.20% 0.20% 30 Days' Dividends
6 Month $500 0.25% 0.25% 30 Days' Dividends
12 Month $1,000 0.99% 1.00% 180 Days' Dividends
18 Month $1,000 0.40% 0.40% 180 Days' Dividends
24 Month $1,000 0.45% 0.45% 180 Days' Dividends
30 Month $1,000 0.50% 0.50% 180 Days' Dividends
36 Month $1,000 0.70% 0.70% 180 Days' Dividends
48 Month $1,000 0.80% 0.80% 365 Days' Dividends
60 Month $1,000 1.98% 2.00% 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.


Certificates / IRA Certificates

Last updated: 11/9/2022
Term Minimum Balance to Open Dividend Rate1 APY2 Early Withdrawal Penalty*
3 Month $500 0.20% 0.20% 30 Days' Dividends
6 Month $500 0.25% 0.25% 30 Days' Dividends
12 Month $1,000 0.99% 1.00% 180 Days' Dividends
18 Month $1,000 0.40% 0.40% 180 Days' Dividends
24 Month $1,000 0.45% 0.45% 180 Days' Dividends
30 Month $1,000 0.50% 0.50% 180 Days' Dividends
36 Month $1,000 0.70% 0.70% 180 Days' Dividends
48 Month $1,000 0.80% 0.80% 365 Days' Dividends
60 Month $1,000 1.98% 2.00% 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.


Certificates / IRA Certificates

Last updated: 11/9/2022
Term Minimum Balance to Open Dividend Rate1 APY2 Early Withdrawal Penalty*
3 Month $500 0.20% 0.20% 30 Days' Dividends
6 Month $500 0.25% 0.25% 30 Days' Dividends
12 Month $1,000 0.99% 1.00% 180 Days' Dividends
18 Month $1,000 0.40% 0.40% 180 Days' Dividends
24 Month $1,000 0.45% 0.45% 180 Days' Dividends
30 Month $1,000 0.50% 0.50% 180 Days' Dividends
36 Month $1,000 0.70% 0.70% 180 Days' Dividends
48 Month $1,000 0.80% 0.80% 365 Days' Dividends
60 Month $1,000 1.98% 2.00% 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.


Certificates / IRA Certificates

Last updated: 11/9/2022
Term Minimum Balance to Open Dividend Rate1 APY2 Early Withdrawal Penalty*
3 Month $500 0.20% 0.20% 30 Days' Dividends
6 Month $500 0.25% 0.25% 30 Days' Dividends
12 Month $1,000 0.99% 1.00% 180 Days' Dividends
18 Month $1,000 0.40% 0.40% 180 Days' Dividends
24 Month $1,000 0.45% 0.45% 180 Days' Dividends
30 Month $1,000 0.50% 0.50% 180 Days' Dividends
36 Month $1,000 0.70% 0.70% 180 Days' Dividends
48 Month $1,000 0.80% 0.80% 365 Days' Dividends
60 Month $1,000 1.98% 2.00% 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.


Certificates / IRA Certificates

Last updated: 11/9/2022
Term Minimum Balance to Open Dividend Rate1 APY2 Early Withdrawal Penalty*
3 Month $500 0.20% 0.20% 30 Days' Dividends
6 Month $500 0.25% 0.25% 30 Days' Dividends
12 Month $1,000 0.99% 1.00% 180 Days' Dividends
18 Month $1,000 0.40% 0.40% 180 Days' Dividends
24 Month $1,000 0.45% 0.45% 180 Days' Dividends
30 Month $1,000 0.50% 0.50% 180 Days' Dividends
36 Month $1,000 0.70% 0.70% 180 Days' Dividends
48 Month $1,000 0.80% 0.80% 365 Days' Dividends
60 Month $1,000 1.98% 2.00% 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.


* 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.

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