Term Share Certificates:

Some of the highest fixed rates you'll find on federally insured accounts. Our Term Share Certificates pay substantially higher dividends than local banks. Terms range from 6 to 60 months, $1,000 minimum deposit.

Rates   Apply

Bump-Up Certificates

Doesn't it irk you when rates rise and you're stuck at a lower level? This great savings certificate solves that problem because you can step up to a higher rate. If we advertise a higher rate for this certificate, you can request whatever rate is current, one time, any time during the term of the certificate, and we'll apply it to the remaining term. Just let us know. These 24-month Savings Certificates have a $1,000 minimum.

Rates   Apply

Liquid Certificate

Now you can get the great rate of a Term Share Certificate, and still be able to deposit and withdraw funds from it when you need to! The Liquid Certificate offers:

• Unlimited deposits: you can use automated deposits to grow it even more*
• Frequent withdrawals: up to once every seven days*
• Outstanding fixed rate: even higher than many of our longer-term certificates

Rates   Apply

* Minimum withdrawal: $500. Minimum balance: $5,000. Maximum balance $500,000. Withdrawals must be made in person at a Provident Credit Union branch or by calling Provident at (800) 632-4600.

Variable Rate "Add On" Certificate

A high rate certificate, with only $500 initial minimum deposit, and you can add deposits of any amount -- anytime! Take advantage of good market conditions with this variable rate 24-month term certificate. Great gift idea, and a smart way to save with automatic payroll deduction.

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Deferred Dividend Certificate

This type of certificate works differently from our other type of Term Share Certificates. A deferred certificate is designed to help accumulate money for long term goals such as retirement or to protect funds you have already saved. Dividends for this account are paid at maturity and compounded annually.

Rates   Apply

Youth Add-On Certificate:

Enjoy a high return that piggy banks simply can't match. Featuring a low opening deposit of $50.00, and the ability to add additional funds anytime. This account is a 12-month certificate specifically designed for those under the age of 18. Youth membership required.

More Info on Youth Accounts   Rates   Apply

Round Up Debit Card Purchases

Round Up is an easy way to automatically save by rounding up your debit card purchases to the nearest dollar and having the difference transferred to a Round Up Savings account from your checking account. This free program also allows you to add on dollar amounts ($1, $2, or $3) to each transaction, and amounts up to $100 at the end of each month.

We'll Match You!

Provident Credit Union will match 100% of your eligible round up transactions for the first three months on your first enrolled account. Thereafter, we will match 5% on this account and all subsequent enrolled accounts up to $250 per year.* (Super Reward Checking is not eligible for matching.)

Save Up Cash or Pay Down Debt

Each month, choose to transfer your balance to an eligible Provident savings account, loan, or credit line (checking accounts are not eligible). Or keep your funds in your Round Up Savings account and watch it grow!

What You Need to Know About the Round Up program:

• Eligible transactions are aggregated and transferred to the Round Up account at the end of each day.
• Transfer to and from your Round Up account any time.
• Your match bonus will be credited on your anniversary date (or on the next business day after that).
• Matching occurs on the rounded transaction amounts only.
• Enrollment is only available via Account Manager (online banking).
• Fresh Start Checking and Health Savings Accounts are not eligible for enrollment.
• Only debit card PIN and signature based transactions are eligible.
• Must be enrolled in e-Documents.

Round Up Program Watch this video about how the program works. Then experience how simple saving money can be.

To enroll, sign on to Account Manager. Then simply click on the Round Up blue-bar on the Summary of Balances page, and select "Enroll" next to the designated checking account. Don't have Account Manager? Enroll online now.

Rates   Terms and Conditions   Disclosure

* 100% matching applies to first enrolled account only. Matching funds are based solely on signature transactions (i.e. when the credit option is selected). The Super Reward Checking account is not eligible for matching.

A One-Year Savings Plan with a Rate Comparable to that of a Two-Year Term Certificate.

Do you have a need for an annual savings account? For instance, would you like to start saving now for holiday expenses, a well-deserved vacation, property or income taxes? Then let Provident's Accumulator Savings Plan make it easy for you... while earning a high return.

Guaranteed Minimum Rate of Return

The floor APY (0.20% APY for 2013) is guaranteed through December 31 of the current year, even if market rates fall drastically. This floor yield is determined by Provident Credit Union and may be adjusted on January 1st each year.

What You Need to Know about the Accumulator:

• The APY is variable but is always much higher than a typical 1-year certificate rate.
• All deposits must be made automatically via Direct Deposit or Automatic Transfer.
• First such deposit must be at least $25.
• Funds must be transferred to your Provident Credit Union savings account at least once in a 12-month period.
• Dividends are paid on the last day of the month that the scheduled automatic transfer takes place.
• Maximum deposit of $3,000 per month.

Experience how convenient and easy saving money can be. To apply complete and print out the online application, then return it to your local branch, or mail or fax it to Provident (the mailing address and fax number are on the PDF).

Rates   Apply

Higher Rates, Penalty-Free Access

Looking for an attractive investment yield without tying up your savings for the long-term? Provident Credit Union Money Market accounts offer you higher dividends than typical savings accounts, along with convenient access to your money. Check out Provident's rates. Best of all, like all Provident Credit Union savings accounts, your deposits are federally insured up to $250,000 by the National Credit Union Administration.

Money Market Savings

For a minimum of just $2,500, you can open a Provident Credit Union Money Market Savings account. This higher-rate savings account is perfect if you want both higher rates and instant liquidity. Our Money Market Savings Account allows up to six withdrawals per month.

Rates   Apply

Premier Money Market Savings

Looking for a new investment option that pays premier returns? The Premier Money Market Savings account offers the same liquidity as a regular Money Market Savings, but with much higher yields, as long as you maintain a minimum balance of $25,000, and direct deposit/Automatic Transfer at least $1,000 a month into it.*

Rates   Apply

* Direct deposit/automatic transfer of $1,000/month minimum to your checking account under the same membership is required, and must begin no later than 60 days from the date the account is opened and continue for the life of account. If direct deposit/automatic transfer does not begin or stops, the account will convert to regular Money Market Account and the balance will earn the rates in effect for that product. Cannot be combined with any other offer. Not available to institutional deposits.

Super Reward Checking

Want to earn high dividends, but also have complete access to all your funds? Then Super Reward Checking is for you! This account combines all the best features you would want in a checking account, with monthly dividends and no monthly service charge. This account rewards you for using the electronic convenience features that are benefits in and of themselves. Other features include:

• High Yield Dividends (currently 1.76% APY) on balances up to $25,000
• Unlimited ATM use, with no Provident surcharge
• ATM Surcharge Rebates: Up to $2.50 rebate per single transaction on any third-party surcharges at any national ATM**
• Free Overdraft Protection*
• No Fee travelers checks, money orders, and corporate checks

You'll receive the high dividends and the ATM rebates monthly, when the following requirements are met:**

• 10 Debit Card transactions per month (PIN- or signature-based, does not include ATM transactions)
• Direct Deposit of your paycheck (at least monthly) or 1 ACH credit or debit per month
• E-Documents enrollment (you receive all your monthly statements and important account notices through online banking)

Rates   Apply

The minimum deposit required to open this Account is $25. To qualify you must also be a member, 18 or older. Limit 1 (one) Super Reward Checking accounts per membership.

* In the event of an overdraft, if you have selected certain accounts to be used for overdraft, and the funds are available they are automatically transferred from your other accounts. If you do not have funds available we offer Courtesy Pay (there is a per-item fee for Courtesy Pay).

** If these requirements are not met in their entirety, Annual Percentage Yield (APY) paid will be 0% and no ATM rebates will be issued for that cycle. All transactions referred to as "per month" or "monthly" must be posted within the monthly qualification cycle which ends on the second to last business day of the month. Posting date may be later than the date of the transaction.

Membership Savings Accounts

When you join Provident, you deposit $5 or more into a savings account. Because Provident Credit Union is member-owned, this first $5 represents your "share" of stock in the organization. While the share price never changes, you do get dividends on all your savings accounts and certificates (minimum balances apply on some accounts), and great rates on your loans.

More Info on Membership   Rates   Apply

Youth Savings Accounts

When a Youth Savings Account is opened, the child becomes a member of Provident. Just fill out the Youth Package application with the youth as the primary owner and the adult as the secondary owner. If the child is under 10, then the adult will need to sign for both. The following additional accounts can also be opened as part of the Youth Package, or can be added individually later:

1. Youth Checking: Available to youths 13-17, this checking account has no monthly service fee, and gives teenagers the ability to maintain their own finances. The account includes a free debit card, overdraft protection* and free, convenient ATM access.
2. Youth Add-On Certificate: Enjoy a high return that piggy banks simply can't match. Featuring a low opening deposit of $50.00, and the ability to add additional funds anytime. This account is a 12-month certificate specifically designed for those under the age of 18.

More Info on Youth Accounts   Rates   Apply

Business Savings Account

Provident Credit Union offers business accounts to all types of businesses including:

• General or Limited Partnership
• Corporation (Profit or Non-Profit)
• Limited Liability Company and Limited Partnerships
• Sole Owner/Proprietorship
• Non-Profit Organizations

When your business joins Provident, you deposit $5 or more into a Business Savings account. Because Provident Credit Union is member-owned, this first $5 represents your "share" of stock in the organization. More about Provident Credit Union membership.

Once your business has joined Provident by opening a Business Savings account, you can then open a Business Checking account.

Click here for an easy reference guide [pdf] to all of the information and documents you need to open your Provident Business account(s).

Use the Business Account Application [pdf] to open a new Business Savings and Business Checking account for your business. Then bring your completed application to any Provident Credit Union branch.