Savings Accounts and Certificates

Disclosures

• 015) 100% matching applies to first enrolled account only. Matching funds are based solely on signature transactions (i.e. when the credit option is selected). The Super Reward Checking account is not eligible for matching.
• 019) Minimum withdrawal: $500. Minimum balance: $5,000. Withdrawals must be made in person at a Provident Credit Union branch or by calling Provident at (800) 632-4600. Withdrawals allowed without penalty every 7 calendar days. Maximum of 3 withdrawals per month. No dividends are paid on balances below the balance minimum.
   
• 020) Requires a minimum $1,000/month Direct Deposit to a checking account under the same membership, to begin no later than 90 days from the date the account is opened and to continue for the life of this account. If the direct deposit does not begin or stops, the account is eligible to earn the Base Premier Money Market account rate. Eligibility is based on the prior month's transactions i.e. to earn dividends for the month of December, the account must meet the requirements in November.
• 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.
• 208) APY = Annual Percentage Yield. Rates are valid as of   and are subject to change. No dividends are paid on balances below the balance minimum.
• 223) Joint owners are not allowed on the Round Up Savings account.
• 224) Penalty for early withdrawal may be assessed and may reduce earnings for all term share certificates.
• 225) You may request one “Bump-Up” during the term of your Certificate.
• 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 May be extended or withdrawn without notice.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.
• 248) Youth Savings accounts will convert to a regular savings account on the member’s 18th birthday.
• 291) 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.
• 311) APY = Annual Percentage Yield. Fees may reduce earnings on all savings and money market accounts.