Term Share Certificates

Tiered rates are available on most of our certificates. Tiers give you the ability to earn higher dividends on larger account balances.  Dividends208 you earn each month can be added to the certificate balance or transferred to a different account without penalties.  

Features

  • Fixed Rates (on most products)

  • Guaranteed rates of return

  • High competitive yields

  • Multiple term options

  • Bump-up and Add-on options available

  • Low minimum balance requirements
     

Term Share Certificates

Term share certificates224 are the credit union industry's versions of certificates of deposit (CDs). 

Features

  • Flexible terms from 6 - 60 months

  • Federally insured up to $250,000 by NCUA

  • Guaranteed rate for the term of the certificate

  • ​Tiered rates for higher balances208

Fixed Rate Certificate

Some of the highest fixed rates you'll find on federally insured accounts. Our term share certificates224 pay substantially higher dividends than banks. 

Features

  • Pick-A-Term Certificates224 offers 3 and 6 month terms
  • Federally insured up to $250,000 by NCUA
  • Guaranteed rate for the term of the certificate

Pick-A-Term Certificates

EARN 4.25% APY130

This limited-time offer, with a high dividend rate on 3 or 6 month terms, provides an excellent opportunity to meet your short-term savings goals.229

 

Features

  • Dividends for this account are paid at maturity and compounded annually.

  • Federally insured up to $250,000 by NCUA

  • ​12-month term available

  • Guaranteed rate for the term of the certificate

  • ​Current rates between ​2.06% APY - ​2.16% APY depending on your account balance.208

Deferred Dividend Certificate

This type of certificate works differently from our other type of term share certificates. A deferred certificate224 is designed to help accumulate money for long-term goals. Save for retirement or to protect funds you have already saved. 

Features

  • Add funds of any amount anytime135

  • 12-month term

  • Federally insured up to $250,000 by NCUA

  • Guaranteed rate for the term of the certificate

Youth Add-On Certificate

Commit to savings and earn more with the Youth Add-On Certificate224 specifically designed for those under the age of 18. This account is perfect for our young savers or parents looking to save for higher education.

Features

  • Unlimited deposits: you can use automated deposits to grow it even more

  • Frequent withdrawals: once every seven days019

  • Current rate ​1.61% APY208

  • ​Federally insured up to $250,000 by the NCUA
     

Liquid Certificate

You can get the rate of a certificate and still deposit and withdraw funds from it when you need to. The Liquid Certificate224 offers:

If we advertise a higher rate for this certificate, you can request the current rate. Available one time, any time during the term of the certificate, and we'll apply it to the remaining term. 

Features

  • Step up to higher rate if yields rise during your term

  • Federally insured up to $250,000 by NCUA

  • 24-month term available 

  • ​Current rates between ​2.06% APY - ​2.16% APY depending on your account balance.208

Bump-Up Certificates

This 24-month certificate224 lets you step up to a higher rate if yields rise.225

Ideal for members that want a guaranteed high rate and the flexibility to add deposits. Combine with direct deposit for an excellent way to save.

Features

  • Add deposits of any amount anytime135 

  • Federally insured up to $250,000 by NCUA

  • ​12-month term available

  • Guaranteed rate for the term of the certificate

  • Current rates between ​1.96% APY - ​2.06% APY depending on your account balance.208

Fixed Rate Add-On Certificate

A high-rate certificate224 that you can add deposits of any amount — any time.

Great gift idea and an excellent account to be used with direct deposit, automatic payroll deduction or automatic transfers.

Features

  • Add deposits of any amount at anytime135

  • Federally insured up to $250,000 by the NCUA

  • 24-month term available

  • ​Current rates between ​2.06% APY - ​2.16% APY depending on your account balance.208

Variable Rate Add-On Certificate

Take advantage of good market conditions with this variable rate certificate224 that you can add deposits of any amount -- anytime!291

See What Our Members Are Saying

Got great info on Pick a Term Certificate because my teller noticed my savings balance and suggested a different way to increase my savings earnings.

- Lida E, San Jose, CA

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Competitive Rates

Our Pick-A-Term Share Certificate224 provides one of the most competitive rates on the market while also giving you the option to pick the term that meets your needs

CURRENT RATE: 4.25% APY 130 229
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Certificate Rates

Pick-A-Term Certificates earns 4.25% APY
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Disclosures

  • 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.
     
  • 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.
  • 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 and the 6 Month Pick-A-Term Certificate will automatically renew to the 6 Month Pick-A-Term Certificate fixed rate, in effect at that time.
  • 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.