I.R.A Rates
High yield retirement accounts
IRA 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 IRA Pick-A-Term | $10,000 | 4.650% | 4.75% | AA, C, G, JJ |
| 6 Month IRA Pick-A-Term | $10,000 | 4.650% | 4.75% | |
| 9 Month IRA Pick-A-Term | $10,000 | 4.650% | 4.75% | |
| 12 Month IRA Pick-A-Term | $10,000 | 4.410% | 4.50% |
IRA Accounts
| Type | Min. Balance | Dividend Rate | Annual Percentage Yield (APY) | Disclaimers |
|---|---|---|---|---|
| 12 Month Fixed | $500 | 2.041% | 2.06% | C, G |
| $50,000 | 2.090% | 2.11% | ||
| $100,000 | 2.139% | 2.16% | ||
| 24 Month Fixed | $500 | 2.139% | 2.16% | C, G |
| $50,000 | 2.188% | 2.21% | ||
| $100,000 | 2.237% | 2.26% | ||
| 24 Month Bump-up | $500 | 2.041% | 2.06% | C, G, M |
| $50,000 | 2.090% | 2.11% | ||
| $100,000 | 2.139% | 2.16% | ||
| 24 Month Add-on | $250 | 2.041% | 2.06% | C, D, G |
| $50,000 | 2.090% | 2.11% | ||
| $100,000 | 2.139% | 2.16% | ||
| 24 Month Variable Add-on | $500 | 2.041% | 2.06% | C, D, G, JJ |
| $50,000 | 2.090% | 2.11% | ||
| $100,000 | 2.139% | 2.16% | ||
| 36 Month Fixed | $500 | 2.237% | 2.26% | C, G |
| $50,000 | 2.286% | 2.31% | ||
| $100,000 | 2.335% | 2.36% | ||
| 36 Month Variable Add-on | $500 | 2.139% | 2.16% | |
| $50,000 | 2.188% | 2.21% | ||
| $100,000 | 2.237% | 2.26% | ||
| 48 Month Fixed | $500 | 2.384% | 2.41% | C, G |
| $50,000 | 2.433% | 2.46% | ||
| $100,000 | 2.482% | 2.51% | ||
| 60 Month Fixed | $500 | 2.530% | 2.56% | C, G |
| $50,000 | 2.579% | 2.61% | ||
| $100,000 | 2.628% | 2.66% | ||
| IRA/ESA Savings Account | $25 | 0.100% | 0.10% | G |
- AA) 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 IRA Pick-A-Term Certificate will automatically renew to the 3 Month IRA Pick-A-Term Certificate fixed rate and the 6 Month IRA Pick-A-Term Certificate will automatically renew to the 6 Month IRA Pick-A-Term Certificate fixed rate in effect at that time.
- C) Early Withdrawal Penalties: A penalty may be imposed for withdrawals before maturity for certificates: 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.
- 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.
- G) IRA contributions are limited to $7,000 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.
- JJ) Rate is subject to change anytime at the discretion of the Board of Directors.
- M) Rate can be increased one time during certificate term, to the currently published Bump-Up Certificate rate with that same term.
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.224
Features
- Flexible terms from 12 - 60 months
- Federally insured to $250,000 by NCUA
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.