IRAs and Retirement Accounts

Saving for the future and today

Save money for retirement with our competitive rates.

Contributing to a Traditional or Roth IRA (Individual Retirement Account) can not only help you save for retirement but could also potentially provide you with tax benefits. Provident offers two types of IRA products with great rates and the flexibility to start saving regardless of where you are in life.

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Fixed Rate IRA Term Share Certificates

With a variety of terms and rates to choose from, you can start your risk-free retirement or educational savings now with a $500 minimum. When the term is up, you can roll it over into a different IRA/ESA account, or just let it automatically renew at the rate that is current at the time.

Features:

  • Flexible terms from 12 - 60 months
  • Federally insured to $250,000

Variable Rate IRA Term Share Certificate

Take advantage of good market conditions with this variable rate certificate. Earnings are tax-free if the account is open for five tax years and withdrawn for a qualified reason. See rates.

Features:

  • Available in 24 and 36-month terms
  • Federally insured to $250,000 by NCUA

Add-On IRA Term Share Certificate

Add deposits of any amount — anytime. This fixed rate account is a smart and flexible way to save with automatic payroll deduction. Deposits that raise the balance into the next tier will increase the rate, allowing your money to grow even faster. See rates.

Features

  • 24-month term

  • Add deposits of any amount, at any time, up to a maximum of $1,000,000 without affecting your term

  • Federally insured to $250,000 by NCUA

Bump-Up IRA Term Share Certificate

This great certificate allows you to step up to a higher rate. If we advertise a higher rate for this IRA certificate than the current rate you are receiving, 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. See rates.

Features

  • 24-month term

  • Step up to a higher rate if advertised one time during your term

  • Federally insured to $250,000 by NCUA

IRA Savings Account

If you're opening an IRA for the first time, you can begin with as little as $25. This is our most liquid IRA as you can make contributions of any amount, any time throughout the year. See rates.

Features:

  • Variable rate
  • Federally insured to $250,000 by NCUA

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