Disclosures

• 130) APY = Annual Percentage Yield. Dividend rates are fixed for the term of the certificate. Rates are valid as of   and are subject to change.
• 212) This offer is only valid for NEW Provident Checking Accounts and NEW Provident Credit Union members, 18 or older, who reside in one of the following counties in California: Alameda, Contra Costa, El Dorado, Placer, Sacramento, San Mateo, Santa Clara, and San Francisco. Offer limited to one per individual and one per household and address. To be eligible, you must open one of the following checking accounts: Super Reward Checking, Provident Checking, Simply Free Checking, or a Digital Edge Account; all other checking accounts are not eligible for the bonus. New Account Bonus offer may expire anytime. This offer cannot be combined with any other offers. The minimum balance for the Membership Savings account is $5.00. You must fund your Checking account within the first 60 days of account opening with a minimum deposit of $25. If you fail to fund your Checking account within the first 60 days you are no longer eligible for the New Account Bonus and your account(s) will be closed.
  
  In order to qualify for your New Account Bonus your account must be active and in good standing for two consecutive months following the month that your account is opened. All qualifying purchases and transactions referred to as "per month" or "monthly" only count towards the requirement of the month in which they POST, which will be on a business day (Monday – Friday) and may take one or more business days from the purchase/transaction date. Your account is deemed active by: (1) making purchases of $400 or more using a debit and/or credit card per month, AND (2) performing monthly direct deposits or automatic credits of at least $500 into your checking account, AND (3) enrolling in Provident's online banking service and e-Documents with valid e-mail address. If your account remains inactive after 90 days from account opening you are no longer eligible for the New Account Bonus. Your account is in good standing if you: (1) demonstrate responsible account management—such as making regular deposits to bring your account to a positive end of day balance at least once every 30 days (including the payment of all credit union fees and charges); (2) avoid excessive overdrafts suggesting the use of Courtesy Pay Overdraft as a continuing line of credit; (3) there are no legal orders, levies or liens against your account. New Account Bonus: The New Account Bonus will typically be credited to your Provident Credit Union Checking account within 120 days of account opening. If Provident funded your savings account at the time of opening, you will receive the difference between the initial $5.00 savings account bonus and the stated bonus within this 120 day period. Please note, we may report the value of the New Account Bonus to the IRS, and any applicable taxes are the responsibility of the member.
• 224) Penalty for early withdrawal may be assessed and may reduce earnings for all term share certificates.
• 229) Limited time offer. Dividend rates are fixed for the term of the certificate and are not subject to a tiered rate. The minimum opening deposit is $10,000. Deposits cannot be added to this certificate once it has been opened. Institutional deposits are not eligible. At maturity, the 3 Month Pick-A-Term Certificate will automatically renew to the 3 Month Pick-A-Term Certificate fixed rate.  The 6 Month Pick-A-Term Certificate will automatically renew to the 6 Month Pick-A-Term Certificate fixed rate, and the 9 Month and 12 Month Pick-A-Term Certificates will renew to the 12 Month Pick-A-Term Certificate fixed rate, in effect at that time.
• 243) Limited time promotional offer. May be extended or withdrawn without notice. Membership required. The minimum opening deposit is $250,000 and must be funds that have not been on deposit with Provident Credit Union for the last 60 days. You must maintain a minimum daily balance of at least $2,500 in your account each day to obtain the disclosed annual percentage yield. Dividends will be compounded monthly and credited to your money market account monthly.
• 311) APY = Annual Percentage Yield. Fees may reduce earnings on all savings and money market accounts.