4.25% APY on Terms from 3 to 12 months!

High Yield Certificate Account

Start Earning More Today!

Our new Pick-A-Term certificate product allows you to choose the term you want and earn the same rate. Members can select either a 3, 6, 9, or 12 month term and earn 4.25% APY. You no longer need to choose a longer term to earn a higher rate. Pick the term that best meets your savings needs. 

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: 4.250% 130 229
Open Account

Why Choose a Certificate?

Federally insured to $250,000 by the NCUA

Guaranteed rate for the term of certificate
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All Certificates Feature

Guaranteed rates of return

High competitive yields

Low minimum balance requirements
Product Details
Type Min. Balance Dividend Rate Annual Percentage Yield (APY) Disclaimers
3 Month Pick-A-Term $10,000 4.169% 4.250% C, DDD
6 Month Pick-A-Term
9 Month Pick-A-Term
12 Month Pick-A-Term
  • 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 same term at then prevailing rate. 6 Month Pick-A-Term Certificate will automatically renew to the 6 Month Certificate fixed rate and the 9 Month and 12 Month Pick-A-Term Certificates will renew to the 12 Month Certificate fixed rate in effect at that time.

Frequently Asked Questions (FAQs):

Disclosures

  • 130) APY = Annual Percentage Yield. Dividend rates are fixed for the term of the certificate. Rates are valid as of 3/7/2023  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. Early withdrawal penalty may apply.