# Three Rivers Federal Credit Union CD and share certificate rates

As of October 22, 2026, Three Rivers Federal Credit Union's highest tracked CD (share certificate) rate is 3.75% APY on a 6-month CD ($500 minimum). That is 2.7 times the FDIC national average for 6-month CDs (1.39%). Standard CD rates range from 2.25% to 3.75% APY.

Canonical page: https://apyledger.com/cd-rates/three-rivers-federal-credit-union
Institution: Three Rivers Federal Credit Union (NCUA 159)
Aliases: 
Status: live
Last verified: 2026-10-23T02:11:12.000Z (October 22, 2026)
Official source: https://3riversfcu.org/rates
Coverage: Membership required. Share certificates from 3 to 60 months ($500 for 3 and 6 months, $1,000 otherwise), including the 11-month Safety Certificate. Early withdrawal penalties may apply.
Treasury comparison date: 2026-10-21. Premiums are percentage points versus the same-term APY-equivalent Treasury yield.

| Product | Kind | Term | Minimum deposit | APY | Quoted location | vs. Treasury | Verified (UTC) | Source snapshot |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Certificate | standard | 3 months | $500 | 2.50% | Not ZIP-priced | −1.79% | 2026-10-23T02:11:12.000Z | [Snapshot 883](https://apyledger.com/snapshots/883) |
| Certificate | standard | 6 months | $500 | 3.75% | Not ZIP-priced | −0.65% | 2026-10-23T02:11:12.000Z | [Snapshot 883](https://apyledger.com/snapshots/883) |
| Any Purpose Savings Certificate | standard | 6 months | $25 | 2.25% | Not ZIP-priced | −2.15% | 2026-10-23T02:11:12.000Z | [Snapshot 883](https://apyledger.com/snapshots/883) |
| 11 Month Safety Certificate | standard | 11 months | $1,000 | 3.25% | Not ZIP-priced | −1.29% | 2026-10-23T02:11:12.000Z | [Snapshot 883](https://apyledger.com/snapshots/883) |
| Certificate | standard | 12 months | $1,000 | 3.75% | Not ZIP-priced | −0.82% | 2026-10-23T02:11:12.000Z | [Snapshot 883](https://apyledger.com/snapshots/883) |
| Certificate | standard | 18 months | $1,000 | 2.50% | Not ZIP-priced | −2.22% | 2026-10-23T02:11:12.000Z | [Snapshot 883](https://apyledger.com/snapshots/883) |
| Certificate | standard | 24 months | $1,000 | 2.50% | Not ZIP-priced | −2.37% | 2026-10-23T02:11:12.000Z | [Snapshot 883](https://apyledger.com/snapshots/883) |
| Certificate | standard | 30 months | $1,000 | 2.75% | Not ZIP-priced | −2.16% | 2026-10-23T02:11:12.000Z | [Snapshot 883](https://apyledger.com/snapshots/883) |
| Certificate | standard | 36 months | $1,000 | 3.50% | Not ZIP-priced | −1.45% | 2026-10-23T02:11:12.000Z | [Snapshot 883](https://apyledger.com/snapshots/883) |
| Certificate | standard | 48 months | $1,000 | 2.75% | Not ZIP-priced | −2.23% | 2026-10-23T02:11:12.000Z | [Snapshot 883](https://apyledger.com/snapshots/883) |
| Certificate | standard | 60 months | $1,000 | 3.00% | Not ZIP-priced | −2.01% | 2026-10-23T02:11:12.000Z | [Snapshot 883](https://apyledger.com/snapshots/883) |

Rates and eligibility can change. ZIP-specific quotes must not be treated as statewide or nationwide offers. Confirm terms with the institution before opening an account. This is not financial advice.