Open Account
Open your Money Market account and fund it with at least $10,000 in new money from outside 3Rivers by November 30, 2026.
Save confidently. Grow confidently.
Earn 4.09% APY*
Open a promotional Money Market and earn 4.09% APY* with confidence through the end of the year.
Lock in a rate with a floor, not a ceiling.
A strong rate is one thing. A strong rate with a built-in floor is better.
Designed for savers seeking the benefits of high-yield savings without locking up their funds, this limited-time Money Market offer helps you grow your balance while maintaining access to your money. Your rate of 4.09% APY* is guaranteed not to decrease through March 31, 2027. If Fed rates increase during the promotional period, your rate increases on the first day of the following month, helping you earn more as market rates rise.
A smarter place for your savings.
If you're looking for a better home for new funds, a promotional Money Market from 3Rivers offers a thoughtful way to grow your savings while building a relationship with a financial partner that's invested in your success.
There's never been a better time to put your money to work at 3Rivers. Our promotional Money Market makes it easy to earn more on your new savings while enjoying the personalized service and commitment you can count on.
What counts as new funds?
New funds are funds not held in a 3Rivers checking, savings, money market, or certificate account in the prior 30 days, and not proceeds from a 3Rivers-held loan, line of credit, or credit card.
What happens after the promotional period?
After the promotional period ends, the account rate will revert to the standard 3Rivers Money Market rate, which is variable and may be lower.
Account Features
- 4.09 APY*
- Guaranteed rate** will not decrease through March 31, 2027
- If the Federal Reserve raises the Fed Funds rate during the promotional period, your rate increases the first day of the following month.
- Minimum opening balance of $10,000 with no maximum deposit
- 100% new funds1 to 3Rivers
Apply & Earn
How to Qualify
Moving your savings doesn't have to be complicated. It's quick and straightforward, and our team is here to help every step of the way.
Sustain
Maintain the account requirements to earn the promotional rate.
Grow
Keep earning 4.09% APY* through March 31, 2027, with potential rate increases if Fed rates rise during the promotional period.
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.
Visit a Branch
Stop by any of our 24+ locations.
Schedule an Appointment
Book a meeting in-person, over-the-phone, or virtually.
Disclaimer
** RATE: Dividend Rate. The fixed or variable rate paid.
Account Disclosure: Dividends are paid from current income and available earnings after required transfers to reserves are made at the end of a dividend period. Dividends are not guaranteed. The dividend rates appearing in this disclosure are accurate and effective for share accounts as of the date indicated. If you have any questions or require current dividend rate information on your accounts, please call a 3Rivers team member at 800.825.3641.
This is a limited time offer, and the Credit Union may discontinue the offer at any time. Offer only available to accounts that are opened and funded between 09/01/2026 and 11/30/2026. Requires 100% of initial funds to be new funds1 to the Credit Union. Requires 100% of additional deposits into the account to be new funds1 to the Credit Union. Dividend rate for this product is promotional. The dividend rate is indexed to Fed Funds during the promotional period at Fed Funds + 0.59%, if the Federal Reserve increases the Fed Funds rate during the promotional period, the dividend rate on the product will increase on the 1st of the following month. The promotional period will end on 03/31/2027. After the promotional period ends, rates will reflect our non-promotional Money Market account. These rates are variable and could be lower, which can be retrieved at https://3riversfcu.org/rates#moneymarket
1 New Funds: New funds are funds that have not been held in a 3Rivers checking, savings, money market, or certificate account in the prior 30 days nor are proceeds of a distribution from a 3Rivers held loan, line of credit, or credit card. If the Credit Union identifies that funds were not new to the Credit Union, the Credit Union is authorized to revoke the offer including the revocation of interest accrued under the promotional rate.
2 Dividend Rate: The dividend rate for this product is promotional. This dividend rate is fixed for the promotional period. The promotional period will end on 03/31/2027. After the promotional period ends, rates are variable and could be lower.