Pick-A-Term Certificate
Earn more on your terms
Earn up to 4.00% APY130
Step up your savings game and score big with a Pick-A-Term certificate!224 Take advantage of our limited-time offer and choose from 3, 6, 9 or 12 month terms.229 Whether you're saving for a short-term goal or need a convenient solution for your financial needs, this is an excellent investment option.
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Certificate Benefits
Guaranteed Returns
Your money grows at a fixed rate over your chosen term with locked-in interest.
Range of Terms
Select the term that best meets your financial goals.
Federally Insured by NCUA
Enjoy peace of mind knowing that your money is safe and secure
Pick-A-Term Certificates
A limited time offer on our best rate with multiple term options.
Rates are valid as of and are subject to change.
Type | Min. Balance | Dividend Rate | Annual Percentage Yield (APY) | Disclaimers |
---|---|---|---|---|
3 Month Pick-A-Term | $10,000 | 3.928% | 4.00% | C, DDD, MM |
6 Month Pick-A-Term | $10,000 | 3.928% | 4.00% | |
9 Month Pick-A-Term | $10,000 | 3.445% | 3.50% | |
12 Month Pick-A-Term | $10,000 | 3.445% | 3.50% |
- C) Fees or Early Withdrawal Penalties may reduce earnings: a) If your account has an original maturity of less than 12 months, the penalty we may impose will equal the greater of $100.00 or 90 days earnings. b) If your account has an original maturity of 12 months or more, the penalty will equal the greater of $150.00 or 180 days earnings. For more information, please refer to Provident's Member Agreement. c) For Youth Add-On certificates the penalty we may impose will equal 180 days earnings.
- DDD) 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.
- MM) No dividends are paid on balances below account minimums. Membership required for all accounts. Provident Credit Union reserves the right to reject funds at any time and for any reason.
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.
- 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.