Livin' Free Savings

Save smart from day one. Earn 3.00% APY on balances up to $500 and build lifelong financial habits with 3Rivers.
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A Savings Account That Grows With You

Livin’ Free Savings is designed for members ages 0–25, supporting every stage of the savings journey—from teaching kids the value of saving to helping young adults build strong financial habits as they get started on their own. We reward balances up to the first $500 with a higher rate to encourage prioritizing savings. When you age out of the account, you’ll automatically transition into another 3Rivers savings option, so there’s nothing extra you need to do.

Why Choose Livin' Free Savings

Unlike many financial institutions that limit youth products to age 18, 3Rivers extends your rate advantage through age 25—helping you earn consistently through higher education and into your early career. With daily compounding, your money works harder for you every single day.

Account Benefits 
  • Earn more on balances up to $500; consistent through age 25 
  • Zero monthly fees; no hidden costs or penalties 
  • NCUA-insured deposits up to $250,000 for complete security 
  • Unlimited deposits and withdrawals with no penalties 

Livin’ Free Savings

Disclaimer
1Available 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.
Balance1 Dividend Rate2 APY3
Portion up to $500 2.96% 3.00%
Portion over $500.01 0.10% 0.10%
Member Questions Answered

Frequently Asked Questions

Find answers to member questions about opening, managing, and maximizing your Livin' Free Savings account.
Is my money safe and federally insured?
Completely safe. Your deposits are insured by the National Credit Union Administration (NCUA) up to $250,000—a U.S. government agency similar to FDIC for banks. Insurance is automatic; no registration or action required from you.
What happens when I turn 26?
Your account automatically converts to Standard Savings on your 26th birthday. No action required from you. Your balance transfers automatically, all deposits remain insured, and you continue earning dividends at current Standard Savings rates.
Are there any monthly fees or hidden costs?
No. Livin' Free Savings has zero monthly maintenance fees. No opening fees, no minimum balance penalties, no withdrawal fees, and no inactivity fees. Every penny you earn stays with you—not paid to charges or fees.
How often are dividends paid?
Dividends are calculated daily on your available balance and credited to your account monthly at month-end. Dividends begin accruing the moment you deposit funds.
What ages can open a Livin' Free Savings account?
Available to members ages 0-25. Members under 18 need a parent or guardian to co-own. Upon turning 26, your account automatically converts to another savings account—no action required.
Complete Your Youth Banking Toolkit

Add Totally Free Spending

Pair Livin' Free Savings with Totally Free Spending for the perfect banking combination. Save smarter, spend responsibly, and build financial confidence together.
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