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Business Banking Solutions

Business Savings

Smart savings options designed for your business. Tiered rates, flexible terms, and dedicated relationship support—all with NCUA protection.
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Savings Built for Your Business

3Rivers business savings helps you manage cash, plan ahead, and earn more on higher balances. With tiered dividends and flexible options—including Money Market, Money Plus, and Jumbo Money Market—you can choose the account that fits your needs.

Find the Right Fit

Choose Your Business Savings Account

Compare our money market options and select the account that aligns with your business savings goals and balance level.
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Business Savings

  • Eligible to open when paired with a business checking account
  • Earns 0.10% dividend rate
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Money Market

  • $5,000 minimum opening balance 
  • Tiered dividend rates—higher balances earn more 
  • Six monthly transactions (federal regulation) 
  • Available to businesses and consumers 
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Money Plus

  • $10,000 minimum opening balance 
  • Premium tiered rates above Money Market 
  • Check-writing privileges (up to 3/month) 
  • Available to businesses and consumers 
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Jumbo Market

  • $100,000 minimum opening balance 
  • Highest dividend rates available 
  • Guaranteed floor rate of 0.25% APY 
  • Available to businesses and consumers 
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Standard Advantages Across All Products

Every Account Includes These Benefits

Discover business savings accounts with competitive rates, flexible features, and convenient access tools for your business.

Daily Dividend Calculation

Dividends computed daily and credited monthly for maximum growth.

NCUA Federal Insurance

Deposits protected up to $250,000 per account ownership type.

Online & Mobile Access

Manage your business savings anytime via secure digital banking.

Relationship Manager Support

Dedicated business banker available for personalized guidance.

Explore Additional Services

3Rivers offers comprehensive business financial solutions. From share certificates and employee benefits to retirement planning and cash management—we're your complete banking partner.

Share Certificates

Lock in fixed rates with our business share certificates starting as low as $500. Ideal for setting aside reserves with guaranteed returns. Contact your business relationship manager to learn more.

Financial Planning

Which retirement plan is right for your business and employees? From 401(k), Simple IRAs, Payroll Deduction IRAs, Solo 401(k)s, or SEP IRAs—we help you select the right plan for your business goals.

Business Growth Tools
  • Health Savings Accounts for employee wellness and tax savings 
  • Business retirement plans tailored to your company size 
  • Business checking and cash management solutions 
  • Dedicated relationship managers for your business needs 
Frequently Asked by Business Owners

Questions About Business Savings

Find clear answers to common questions about money market accounts, rates, fees, share certificates, and how to choose the right business savings option.
What are share certificates and how do they work?
Share certificates are fixed-term savings accounts with guaranteed rates. Starting at just $500, they're ideal for setting aside business reserves with predictable returns. Early withdrawal penalties apply.
How is my business savings protected?
All 3Rivers deposits are federally insured by NCUA up to $250,000 per business. This federal protection ensures your business savings remain secure and protected.

Get in Touch

Connect with us however works best for you! We're here to answer questions and help you reach your financial goals.

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Reach our knowledgeable team anytime.
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Stop by any of our 24+ locations.
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Schedule an Appointment

Book a meeting in-person, over-the-phone, or virtually.
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