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Savings Solutions for Everyone

Savings Accounts

Choose the savings account that fits your goals—simple, convenient, and designed to help you grow your money with confidence.
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Banking That Works for Your Goals

At 3Rivers, we believe banking should be simple, straightforward, and rewarding. That's why we offer savings accounts designed for your unique goals—whether you're building an emergency fund, saving for something special, or growing your wealth for the future. 

Find Your Perfect Account

Compare 3Rivers Savings Products

Each account is built for different goals. Compare features and pick the one that's right for you.
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Standard Savings

  • Waive $5 monthly fee with eStatements or minimum balance requirements 
  • Earn dividends on your balance 
  • NCUA-insured up to $250,000 
  • 30,000+ surcharge-free ATMs nationwide 
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Livin' Free Savings

  • 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 
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Money Market Accounts

  • Higher dividend rates for larger balances 
  • Limited to 6 transfers per month per NCUA 
  • NCUA-insured up to $250,000 per account 
  • Flexible terms—adjust as your needs change 
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Share Certificates

  • Fixed rates for terms from 3 months to 5 years 
  • Start with low $25 minimum deposit 
  • Guaranteed earnings over your chosen term 
  • NCUA-insured protection up to $250,000 
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IRA

  • Tax-advantaged retirement savings 
  • Traditional and Roth options 
  • Expert guidance for your future 
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HSA

  • Triple tax benefits for healthcare 
  • Tax-free withdrawals for qualified expenses 
  • Flexible, secure health savings account 
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Standard Advantages Across All Products

Every Account Includes These Benefits

Discover savings accounts crafted to your banking needs—with competitive rates, flexible features, and convenient access tools.

30K+ Surcharge-Free ATMs

Access nationwide ATM network with no surcharge fees

Free Online Banking & Bill Pay

Manage your account anytime via mobile or desktop

NCUA Federally Insured

Deposits protected up to $250,000 per account type

Member-Owned Benefits

Share in our profits through competitive rates
Grow Your 3Rivers Membership

Checking Accounts

Combine savings with checking to maximize your financial growth and access all member benefits.
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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.
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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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