Share Certificates

Grow your savings with competitive, guaranteed rates. Flexible terms from shorter to longer and starts with just $25.
Open Account

We Believe in Better Banking

At 3Rivers, we're focused on empowering people to define and reach their money goals. That's why we offer thoughtfully curated share certificates (known as CDs at banks)—each designed to help your savings grow with guaranteed rates and real member service.

Why Choose 3Rivers Certificates

As a member-owned credit union, we reinvest profits back into your benefits—not shareholder returns. That's how we deliver top-of-market share certificate rates. Your savings are always protected by NCUA federal insurance, giving you peace of mind.

Account Features 
  • Earn tiered dividends on balances
  • 35,000+ surcharge-free ATMs nationwide through Co-Op and AllianceOne
  • Full digital banking with bill pay, mobile deposits, and alerts
  • Mastercard® debit card accepted worldwide with digital card controls 

Certificates / IRA Certificates

Disclaimer

1 VARIABLE RATE ACCOUT: rate is subject to change any time 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. It is the rate actually earned in one year, taking into account the effect of compounding.

3 Penalty varies based upon the term of the certificate (and may include principal) as follows: Under one 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. If funds are withdrawn before the maturity date, an early withdrawal penalty is applicable and may include principal.

*Any Purpose Savings Certificate: Limited time offer and subject to discontinuation at any time without advance notice. Allows accountholder to select a term ranging from 6 to 24 months. Upon renewal, will renew at a 3-month term. This certificate allows for the accountholder to add funds throughout the term of the certificate.

**11-Month Safety Certificate: Limited time offer and subject to discontinuation at any time without advance notice. Available to both consumer and business members. Upon renewal, will renew as the 12-Month Certificate. Account must be open at least 30 days to be eligible for penalty-free withdrawal. Entire balance must be closed to withdraw funds.

IRA certificates exclude the Any Purpose Savings Certificate, 3 month Certificate and 11 month safety certificates.
Term Minimum Balance to Open Dividend Rate1 APY2
Any Purpose Savings Certificate* $25.00 1.98% 2.00%
3 Month $500 1.98% 2.00%
6 Month $500 3.44% 3.50%
11 Month Safety Certificate** $1,000 2.96% 3.00%
12 Month $1,000 3.20% 3.25%
18 Month $1,000 1.98% 2.00%
24 Month $1,000 1.98% 2.00%
30 Month $1,000 2.23% 2.25%
36 Month $1,000 2.23% 2.25%
48 Month $1,000 2.23% 2.25%
60 Month $1,000 2.47% 2.50%
We're Here to Help

Certificate Questions & Answers

Get answers to common questions about share certificates, rates, terms, and how to grow your savings with 3Rivers.
How do I open a certificate online?
Opening is easy! Apply online on our website or visit any 3Rivers branch. Our team is ready to answer questions, help you choose the right term, and get you started growing your savings today with us.
What happens when my certificate reaches maturity?
By default, certificates automatically renew for the same term at the current rate. If you’d prefer a different option, we can transfer the funds to another 3Rivers account or mail you a check (check issuance fees apply)—just reach out to a 3Rivers representative. You also have a 7-day grace period after maturity to decide what works best for you, whether that’s renewing, closing the certificate, withdrawing some funds, or adding more at the new rate. You’re always in control of what comes next.
How often are dividends paid or compounded?
Dividends compound daily and automatically deposit on the last business day each month. Your earnings generate their own earnings throughout your certificate term—no action needed from you to watch your money grow.
What's the penalty for early withdrawal?
Early withdrawal penalties vary by term and range from 30 to 365 days of dividends. If you think you might need access to your funds sooner, our 11-Month Safety Certificate offers a competitive guaranteed rate and allows you to close the account penalty-free after just 30 days—giving you the benefits of a certificate without the worry of an early withdrawal penalty.
Can I add money during my certificate term?
Because certificates lock in your rate, most don’t allow additional deposits. Our Any Purpose Savings Certificate is different—it gives you more control, with flexible terms from 6 months to 2 years, a low $25 opening balance, and the ability to add money anytime, even through digital banking.
What's the difference between a certificate and savings account?
Share certificates offer higher guaranteed rates for keeping deposits for a set term. Regular savings offer flexibility but lower rates. Both are NCUA-insured up to $250,000 per member type. Choose certificates for guaranteed growth.
Complete Your Savings Plan

Standard Savings Accounts

Build your wealth faster with share certificates alongside a standard savings account. Keep daily spending separate from your long-term savings and enjoy NCUA-insured protection.
Explore

Get in Touch

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

Call Us

Reach our knowledgeable team anytime.
Call Now

Visit a Branch

Stop by any of our 24+ locations.
Find Locations

Schedule an Appointment

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