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.
These rates are prospective and are expected to be paid on the next dividend declaration date. The dividend declaration date is the last day of the dividend period at which time these rates will be paid. Rates are fixed unless stated otherwise. Variable rates are subject to change anytime at the discretion of the Board of Directors. No dividends are paid on balances below account minimums. All rates are subject to change. Membership required for all accounts.
C) Early Withdrawal Penalties: A penalty may be imposed for withdrawals before maturity for certificates: The penalty will be taken at the time of withdrawal and it may be necessary to deduct all or a portion of the penalty from the principal balance of the account. The early withdrawal penalty will be the greater of 180 days of dividends at the respective certificate rate on the principal amount withdrawn or $150. For more information, please refer to Provident's Master Account Agreement and Disclosure.
D)You can add deposits of any amount, at any time, up to a maximum balance of $1,000,000 without affecting your term. Deposits that bring the balance over $1,000,000 are at the discretion of Provident's management.
F) Rate is subject to change anytime at the discretion of the Board of Directors.
G) IRA contributions are limited to $6,000 per year; additional $1,000 allowed for those over 50 years old to "catch up". Rollovers and direct transfers do not count against your contribution limit. The maximum annual contribution to a Coverdell ESA is $2,000.
M) Rate can be increased one time during certificate term, to the currently published Bump-Up Certificate rate with that same term.
P) There is a service charge of $2 per month for this account.
Q) This account requires concurrent enrollment in a Provident HSA Checking account.
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