Term Share Certificates

Term share certificates are the credit union industry's versions of certificates of deposit (CDs). Tiered rates are available on most of our certificates, giving you the ability to earn higher dividends on larger account balances.  Dividends you earn each month can be added to the certificate balance or transferred to a different account without penalties.  

Features

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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

  • Flexible terms from 6 - 60 months

  • Federally insured to $250,000 by NCUA

  • Guaranteed rate for the term of the certificate

  • ​Tiered rates for higher balances208
     

Variable Rate Add-On Certificate

A high rate certificate224 that you can add deposits of any amount -- anytime! Take advantage of good market conditions with this 24-month variable rate certificate. 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 ​0.160% APY - ​0.260% APY depending on your account balance.208

Fixed Rate Add-On Certificate

A high-rate certificate224 with that you can add deposits of any amount — any time. 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 to $250,000 by NCUA

  • ​12-month term available

  • Guaranteed rate for the term of the certificate

  • Current rates between ​0.080% APY - ​0.160% 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 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 to $250,000 by NCUA

  • 24-month term available 

  • ​Current rates between ​0.160% APY - ​0.260% APY depending on your account balance.208

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:

Features

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

  • Frequent withdrawals: once every seven days019

  • Current rate ​0.110% APY

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

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

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

  • Federally insured to $250,000 by NCUA

  • ​12-month term available

  • Guaranteed rate for the term of the certificate

  • ​Current rates between ​0.160% APY - ​0.260% APY depending on your account balance.208

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

  • Add funds of any amount anytime135

  • 12-month term

  • Federally insured to $250,000 by NCUA

  • Guaranteed rate for the term of the certificate

  • ​Current rates between ​0.080% APY - ​0.160% APY depending on your account balance.208

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.
     
  • 135) 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.
  • 200) Based on your relationship with Provident you may be eligible for an APR bonus on a Term Share Certificate with Provident. The rate bonus is applied to the APR offered on the product selected at the time of origination. The bonus will be applied through the expiration of the product term and will not automatically be applied to subsequent renewals.Provident reserves the right to end its Relationship Pricing program at any time without notice.
  • 208) 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.

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