Money Market Accounts

Grow your savings with competitive, tiered dividend rates. Flexible access and NCUA insurance—all designed for your goals.
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Money Market Options

3Rivers offers three money market account options designed for different savings goals and balance levels. Each account features tiered rates that reward you for maintaining higher balances and earning more dividends.

Choose Your Perfect Fit

Whether you're starting your savings journey with our standard Money Market account, seeking premium rates with Money Plus, or investing substantial funds in our Jumbo Money Market, we have a solution for your unique financial needs.

Account Features
  • Daily compounding credited monthly to your account 
  • NCUA insurance protection up to $250,000 
  • Unlimited access to your savings with no penalties 
  • Tiered rates that increase with your balance 
  • Member-owned focus on your financial success 

Money Market Rates

Money Market

Disclaimer
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 rate drops to lower tier. If balance falls below $5,000 during the month, the dividend rate drops to the Standard Savings rate. 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.
Balance1 Dividend Rate2 APY3
$5,000 - $24,999.99 0.99% 1.00%
$25,000 - $44,999.99 1.09% 1.10%
$45,000 - $64,999.99 1.19% 1.20%
$65,000 - $84,999.99 1.29% 1.30%
$85,000 - $124,999.99 1.39% 1.40%
$125,000+ 1.49% 1.50%

Money Plus Rates

Money Plus

Disclaimer
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.

2 RATE: Dividend Rate. The fixed or variable rate paid.

3 APY: Annual Percentage Yield. It is the rate actually earned in one year, taking into account the effect of compounding.
Balance1 Dividend Rate2 APY3
$10,000-$34,999.99 0.55% 0.55%
$35,000-$74,999.99 0.60% 0.60%
$75,000 to $124,999.99 0.70% 0.70%
$125,000 to $499,999.99 0.75% 0.75%
$500,000+ 0.85% 0.85%

Jumbo Money Market Rates

Jumbo Money Market

Disclaimer

1 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. Dividend rates are tiered. If the balance falls below the minimum for the tier, the dividend rate drops to the rate of the lower tier. Money Market rates are variable and set by the Board of Directors on a monthly basis. A $25 monthly maintenance fee will incur for balances falling below $100,000.

2 RATE: Dividend Rate. The fixed or variable rate paid.

3 APY: Annual Percentage Yield. It is the rate actually earned in one year, taking into account the effect of compounding.
Balance1 Dividend Rate2 APY3
Up to - $99,999.99 0.25% 0.25%
$100,000 - $249,999.99 1.73% 1.75%
$250,000 - $499,999.99 1.98% 2.00%
$500,000 - $1,999,999.99 2.23% 2.25%
$2,000,000 - $4,999,999.99 2.47% 2.50%
$5,000,000+ 2.96% 3.00%
Common Questions About Savings

Money Market Account FAQs

Have questions about how your money market account works? We've got answers. For additional support, reach out to our team.
How do dividends work on a money market account?
Dividends are calculated daily based on your account balance and compounded daily. They're credited to your account at the end of each month. Your balance each day determines your rate tier for that day. As you save more, you earn more. 
Which money market account is right for me?
All 3Rivers money market accounts offer tiered interest rates, but rates and features vary by account. Our Jumbo Money Market offers the highest earning potential, with a $100,000 minimum to earn the top rate. The standard Money Market has a lower $5,000 opening balance and additional tiers to help you grow your savings over time. If you want a little more flexibility, Money Plus lets you write up to three checks per month—giving you convenient access to your funds without relying on a traditional checking account.
Can I withdraw money whenever I need it?
Yes—your money market account offers flexibility and easy access to your funds. Unlike certificates, your money isn’t locked in and is available when you need it. You can make up to six electronic or phone withdrawals per month, and you can always visit a branch for same-day access.
Are my deposits protected by insurance?
Absolutely. Deposits in your 3Rivers money market account are insured by the National Credit Union Administration (NCUA) up to $250,000 per account ownership category. Your money is fully protected.
Are the rates guaranteed to stay the same?
Money market rates are variable and set by our Board of Directors. Rates adjust based on market conditions. However, we communicate rate changes promptly. Check our rates page regularly for the most up-to-date offerings.
How does the tiered rate structure work?
You earn dividends daily based on your end-of-day balance tier. When you add funds, they start earning at the higher rate that same day. If your balance goes down, your rate adjusts accordingly. It’s a savings plan that rewards you every day.
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