Rate & Fee Disclosure
Truth In Savings Disclosure (PDF)
Dividends+ Checking
| Balance Tier1 | Dividend Rate2 | APY3 |
|---|---|---|
| Portion up to $9,999.99 | 1.98% | 2.00% |
| Portion $10,000+ | 0.15% | 0.15% |
| Base rate (paid on entire portion if requirements are not met) | 0.01% | 0.01% |
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.
2Please note: the rates displayed here are the current rates for both Epic or Dividends+ Checking accounts.
3Annual Percentage Yield. It is the rate actually earned in one year, taking into account the effect of compounding. APY for balances up to $9,999.99 is 2.00%. APY range for balances between $10,000 and $250,000 is 0.22% - 2.00%.
*Click Here for the Dividends+ Checking Calendar for qualifications and rewards cycles
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 representative at 260.490.8328 or 800.825.3641.
Dividends+ Checking
| Balance Tier1 | Dividend Rate2 | APY3 |
|---|---|---|
| Portion up to $9,999.99 | 1.98% | 2.00% |
| Portion $10,000+ | 0.15% | 0.15% |
| Base rate (paid on entire portion if requirements are not met) | 0.01% | 0.01% |
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.
2Please note: the rates displayed here are the current rates for both Epic or Dividends+ Checking accounts.
3Annual Percentage Yield. It is the rate actually earned in one year, taking into account the effect of compounding. APY for balances up to $9,999.99 is 2.00%. APY range for balances between $10,000 and $250,000 is 0.22% - 2.00%.
*Click Here for the Dividends+ Checking Calendar for qualifications and rewards cycles
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 representative at 260.490.8328 or 800.825.3641.
Dividends+ Checking
| Balance Tier1 | Dividend Rate2 | APY3 |
|---|---|---|
| Portion up to $9,999.99 | 1.98% | 2.00% |
| Portion $10,000+ | 0.15% | 0.15% |
| Base rate (paid on entire portion if requirements are not met) | 0.01% | 0.01% |
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.
2Please note: the rates displayed here are the current rates for both Epic or Dividends+ Checking accounts.
3Annual Percentage Yield. It is the rate actually earned in one year, taking into account the effect of compounding. APY for balances up to $9,999.99 is 2.00%. APY range for balances between $10,000 and $250,000 is 0.22% - 2.00%.
*Click Here for the Dividends+ Checking Calendar for qualifications and rewards cycles
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 representative at 260.490.8328 or 800.825.3641.
Dividends+ Checking
| Balance Tier1 | Dividend Rate2 | APY3 |
|---|---|---|
| Portion up to $9,999.99 | 1.98% | 2.00% |
| Portion $10,000+ | 0.15% | 0.15% |
| Base rate (paid on entire portion if requirements are not met) | 0.01% | 0.01% |
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.
2Please note: the rates displayed here are the current rates for both Epic or Dividends+ Checking accounts.
3Annual Percentage Yield. It is the rate actually earned in one year, taking into account the effect of compounding. APY for balances up to $9,999.99 is 2.00%. APY range for balances between $10,000 and $250,000 is 0.22% - 2.00%.
*Click Here for the Dividends+ Checking Calendar for qualifications and rewards cycles
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 representative at 260.490.8328 or 800.825.3641.
Dividends+ Checking
| Balance Tier1 | Dividend Rate2 | APY3 |
|---|---|---|
| Portion up to $9,999.99 | 1.98% | 2.00% |
| Portion $10,000+ | 0.15% | 0.15% |
| Base rate (paid on entire portion if requirements are not met) | 0.01% | 0.01% |
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.
2Please note: the rates displayed here are the current rates for both Epic or Dividends+ Checking accounts.
3Annual Percentage Yield. It is the rate actually earned in one year, taking into account the effect of compounding. APY for balances up to $9,999.99 is 2.00%. APY range for balances between $10,000 and $250,000 is 0.22% - 2.00%.
*Click Here for the Dividends+ Checking Calendar for qualifications and rewards cycles
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 representative at 260.490.8328 or 800.825.3641.
Dividends+ Checking
| Balance Tier1 | Dividend Rate2 | APY3 |
|---|---|---|
| Portion up to $9,999.99 | 1.98% | 2.00% |
| Portion $10,000+ | 0.15% | 0.15% |
| Base rate (paid on entire portion if requirements are not met) | 0.01% | 0.01% |
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.
2Please note: the rates displayed here are the current rates for both Epic or Dividends+ Checking accounts.
3Annual Percentage Yield. It is the rate actually earned in one year, taking into account the effect of compounding. APY for balances up to $9,999.99 is 2.00%. APY range for balances between $10,000 and $250,000 is 0.22% - 2.00%.
*Click Here for the Dividends+ Checking Calendar for qualifications and rewards cycles
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 representative at 260.490.8328 or 800.825.3641.
Dividends+ Checking
| Balance Tier1 | Dividend Rate2 | APY3 |
|---|---|---|
| Portion up to $9,999.99 | 1.98% | 2.00% |
| Portion $10,000+ | 0.15% | 0.15% |
| Base rate (paid on entire portion if requirements are not met) | 0.01% | 0.01% |
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.
2Please note: the rates displayed here are the current rates for both Epic or Dividends+ Checking accounts.
3Annual Percentage Yield. It is the rate actually earned in one year, taking into account the effect of compounding. APY for balances up to $9,999.99 is 2.00%. APY range for balances between $10,000 and $250,000 is 0.22% - 2.00%.
*Click Here for the Dividends+ Checking Calendar for qualifications and rewards cycles
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 representative at 260.490.8328 or 800.825.3641.
Dividends+ Checking
| Balance Tier1 | Dividend Rate2 | APY3 |
|---|---|---|
| Portion up to $9,999.99 | 1.98% | 2.00% |
| Portion $10,000+ | 0.15% | 0.15% |
| Base rate (paid on entire portion if requirements are not met) | 0.01% | 0.01% |
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.
2Please note: the rates displayed here are the current rates for both Epic or Dividends+ Checking accounts.
3Annual Percentage Yield. It is the rate actually earned in one year, taking into account the effect of compounding. APY for balances up to $9,999.99 is 2.00%. APY range for balances between $10,000 and $250,000 is 0.22% - 2.00%.
*Click Here for the Dividends+ Checking Calendar for qualifications and rewards cycles
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 representative at 260.490.8328 or 800.825.3641.
* Individuals under age 18 are exempt from these fees.
** Fee applies when overdraft is created by check, in-person withdrawal, or other electronic means.
***Fee applies when overdraft is created during an ATM or one-time debit transaction. Affirmative consent (opt-in) is required.
**** A Non 3Rivers transaction is considered an inquiry, transfer, deposit or withdrawal on any non-3Rivers owned ATM. This fee does not apply to transactions on Rhythm (Epic) or Livin' Free Checking Accounts.
***** A Point-of-Sale (POS) transaction can mean a retail shop, a checkout counter in a shop, or the location where a transaction occurs. More specifically, the point-of-sale often refers to the hardware and software used for checkouts – the equivalent of an electronic cash register.
****** No activity on account for 12 months. IRA accounts and accounts with $1,000+ in assets or primary owner is under the age of 18 are exempt from this fee.