Earn up to 4.75% APY

Pick-A-Term Certificates

Grow Your Money Quickly

Our new Pick-A-Term certificate224 product can help you earn more on your terms. Take advantage of our limited-time offer! Choose the term that suits your short-term investment goals or retirement plans, and watch your savings grow as you prepare for a financially secure future.

Features

  • Pick-A-Term Certificates224 offers 3, 6, 9 and 12 month terms
  • Federally insured to $250,000 by NCUA
  • Guaranteed rate for the term of the certificate

Pick-A-Term Certificates

EARN 4.50% - 4.75% APY130

This limited time offer with a high dividend rate on terms from 3 to 12 months provides an excellent opportunity to meet your short-term savings goals.229

 

Features

  • IRA Pick-A-Term Certificates224 offers 3, 6, 9 and 12 month terms

  • Federally insured to $250,000​ by NCUA

IRA Pick-A-Term Certificates

EARN 4.50% APY - 4.75% APY130

This limited time offer allows you to choose terms from 3 to 12 months to meet the needs of your short-term retirement goals.232

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 4.650% 4.75% C, DDD
6 Month Pick-A-Term $10,000 4.650% 4.75%
9 Month Pick-A-Term $10,000 4.650% 4.75%
12 Month Pick-A-Term $10,000 4.410% 4.50%

IRA Pick-A-Term Certificates

A limited time offer on our best rate with multiple term options.

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%
  • 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.
  • 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. 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.

  • 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.

Grow Your Money Faster

Enjoy 4.75% APY with our High Yield Money Market account.

Open Account

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. May be extended or withdrawn without notice. Membership required. Dividend rates are fixed for the term of the certificate and are not subject to a tiered rate. Early withdrawal penalty may apply.

    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. 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.

  • 232) 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. 6 Month IRA Pick-A-Term Certificate will automatically renew to the 6 Month IRA Pick-A-Term Certificate fixed rate and the 9 Month and 12 Month IRA Pick-A-Term Certificates will renew to the 12 Month IRA Pick-A-Term Certificate fixed rate in effect at that time.