Provident IRA, ESA, & HSA Accounts


Enjoy the tax advantages of opening a Provident Traditional or Roth IRA (Individual Retirement Account), Coverdell ESA (Educational Savings Account), or Health Savings Account (HSA) this tax season, or contribute to your existing Provident IRA, ESA, or HSA. Provident has great rates, and because Provident Credit Union IRAs are federally insured, you are guaranteed a risk-free investment.

Account Types

Click below for the type of account you are interested in. For a complete listing of the yields on these accounts, click on the Rates link at left.

Health Savings Account (HSA) 

Health Savings Accounts (HSAs) are sometimes referred to as "Medical IRAs". An HSA is a tax-deductible savings account that can be used to pay for a wide variety of health expenses. For many consumers, the benefits of the tax deduction make HSAs the smart approach to health insurance.

HSA Checking

Provident's HSA works like a checking account and earns dividends. Funds for immediate medical expenses are accessed with a debit card.

Government rules determine whether you are eligible and how you operate your account. You must be covered by a high deductible health plan (HDHP) that is HSA compatible and not enrolled in Medicare in addition to other requirements. Unlike Flexible Spending Accounts, your HSA has no "use it or lose it" requirement and also stays with you if you change jobs or retire.

  Apply   Frequently Asked Questions

Health Savings Add-On Certificate

This account is available to Health Savings Account (HSA) holders. It requires a low $250 initial minimum deposit. With an HSA certificate, you have the option to choose either a 12 or 24 month term and can make contributions up to your HSA plan limits. This high rate certificate also has an add-on feature which gives you the ability to make deposits at anytime! For an even smarter way to save, you can even select automatic payroll deduction. Deposits that raise the balance into the next tier will increase the rate, allowing your money to grow even faster.


Apply Now!

Apply to open a new IRA, ESA, or HSA account.

Retirement Central Open IRA or ESA Open HSA

Deposit Insurance

All Provident Credit Union deposits are federally insured to at least $250,000 per member (in addition to a separate $250,000 insurance for IRAs) by the National Credit Union Administration (NCUA), a United States Government agency. This agency charters and supervises federal credit unions and insures savings in federal credit unions and most state-chartered credit unions across the country through the National Credit Union Share Insurance Fund (NCUSIF), a federal fund backed by the full faith and credit of the United States government.