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 3 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 or (650) 508-0300.

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.

Rates   Apply

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

* Check for Current Rates. Penalty for early withdrawal. The maximum deposit is $100,000. Valid on new certificates issued after June 17, 2005. Cannot be combined with any other offer. Not available to institutional deposits. Limited time offer.

Zopa CD

Sign on to Account Manager to access your Zopa account.

A One-Year Savings Plan with a Rate Much Higher
than Our One-Year 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 (0.25% APY for 2010) 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 are made automatically via Direct Deposit or Automatic Transfer.
• 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.

You don't even need to make an opening deposit--your savings can start with your first automatic deposit. It's that simple.

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.

For rates, terms, and conditions, see Current Rates.

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 passbook 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 a checking account at Provident 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 balance will convert to regular Money Market Account and 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 instant 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 all with 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 2.51% 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 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 Check Card transactions per month (PIN- or signature-based, not including ATM transactions)
• Direct Deposit of your paycheck (at least monthly) or 1 ACH credit or debit per month
• E-Statements enrollment (you receive all your monthly statements through online banking)

Rates   Apply

* 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).

** Monthly requirements refer to a full month ending on the second-to-last business day of the statement month. If these requirements are not met, no ATM rebates will be made and the APY paid will be 0.10% APY.

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, Reward points, 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 Accounts

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.