Livin’ Free Savings is designed for members ages 0–25, supporting every stage of the savings journey—from teaching kids the value of saving to helping young adults build strong financial habits as they get started on their own. We reward balances up to the first $500 with a higher rate to encourage prioritizing savings. When you age out of the account, you’ll automatically transition into another 3Rivers savings option, so there’s nothing extra you need to do.
Unlike many financial institutions that limit youth products to age 18, 3Rivers extends your rate advantage through age 25—helping you earn consistently through higher education and into your early career. With daily compounding, your money works harder for you every single day.