Standard Savings

Simple savings, great rates. Put your money to work with daily dividend accrual and flexible access.
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Banking That Works for You

Standard Savings from 3Rivers gives you a simple, straightforward way to grow your money. With competitive dividend rates, daily dividend calculation, and transparent terms—and no enrollment hassle.

Member-Owned Means Better

As a member, you're an owner, not just a customer. Your account benefits from our commitment to the community and competitive rates. Unlike bank savings accounts, your dividends work harder with daily accrual and monthly compounding.

Account Features
  • Open with just $5 minimum
  • Dividends calculated daily, compounded monthly 
  • $5 monthly fee with multiple easy ways to waive  
  • Free digital banking with 24/7 access 
  • Mastercard® debit card for easy account access 
  • NCUA federally insured up to $250,000 

Standard Savings

Disclaimer

$5 minimum balance required to open. Monthly maintenance fee is waived if ANY ONE of the following is true:

  • You Receive eStatements
  • Your Standard Savings account maintains a minimum daily balance of at least $500.00
  • Your individual combined relationship has a minimum daily balance of at least $2,500.00
  • Your Standard Savings account is 60 days old or less
  • The primary owner is under the age 18
  • You are primary owner of an active 3Rivers consumer checking account

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. Savings rates are variable and set by the Board of Directors on a monthly basis.

1 Variable 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.

2APY=Annual Percentage Yield. Deposit accounts are insured by account ownership up to $250,000 by the NATIONAL CREDIT UNION ADMINISTRATION.
Dividend Rate1 APY2
0.10% 0.10%
Questions About Saving?

Standard Savings Frequently Asked Questions

Have questions about Standard Savings? Find answers about opening accounts, fees, dividends, and keeping your money safe.
What’s the difference between the Standard Savings and a High-Yield Savings from other financial institutions?
While some online banks focus on high-rate savings accounts, 3Rivers offers a variety of options to support your savings goals. Our Standard Savings account is a great place to keep money separate from everyday spending and works best for short-term needs. For long-term or higher-yield savings, Money Market and Share Certificate accounts can help you earn more through higher balances or locked-in rates. And whenever you’re ready, a friendly 3Rivers representative is happy to help you plan your next savings goal.
How is 3Rivers different from Chase or Bank of America?
We're member-owned, so profits return to you through better rates and lower fees instead of going to shareholders. We know you personally and invest in your community. Customer service matters more to us than just rates.
How does Standard Savings compare to Money Market?
Standard Savings is simpler and more flexible—no minimum balance maintenance required. Money Market accounts typically need $5,000+ minimums and charge fees if balances drop below minimums.
Can I access my money anytime I need it?
Absolutely. Your Standard Savings account offers complete flexibility and no withdrawal penalties. Withdraw through ATM (35,000+ surcharge-free locations), online banking, mobile app, teller, or transfer anytime.
When do I earn dividends?
Dividends are calculated daily on your account balance and compounded monthly. On the last business day of each month, your earned dividends automatically deposit into your account for spending or saving.
What is the monthly maintenance fee?
The monthly maintenance fee is $5. However, this fee is waived if you meet just ONE simple condition: receive eStatements, maintain a $500 balance, have a combined relationship of $2,500+. 
How much money do I need to open an account?
You only need a $5 minimum balance to open a Standard Savings account—one of the lowest requirements around. After opening, your account can maintain any balance while earning dividends.
Is my money safe at a credit union?
Yes. 3Rivers deposits are federally insured by the NCUA up to $250,000 per account type. Plus, as member-owned, we're governed by member representatives, so decisions prioritize member benefit over profit.
Grow Your 3Rivers Relationship

Explore Other Savings

Combine savings with Money Market accounts or Share Certificates to reach your financial goals faster and maximize member benefits.
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