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 certificates 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 balances

Variable Rate Add-On Certificate

A high rate certificate 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 depositautomatic 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

  • ​Tiered rates for higher balances

Fixed Rate Add-On Certificate

A high-rate certificate with that you can add deposits of any amount — any time. Ideal for members that want a guaranteed high rate of return and the flexibility to add deposits from other maturing investments with Provident or at another financial institution. 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

  • ​Tiered rates for higher balances

Bump-Up Certificates

This 24-month certificate lets you step up to a higher rate if yields rise. If we advertise a higher rate for this certificate, you can request whatever rate is current, 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 

  • ​Tiered rates for higher balances

Liquid Certificate

Now you can get the rate of a Term Share Certificate and still be able to deposit and withdraw funds from it when you need to. The Liquid Certificate offers:

Features

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

  • Frequent withdrawals: once every seven days019

  • Outstanding fixed rate

  • ​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 certificate is designed to help accumulate money for long-term goals such as 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

  • ​Tiered rates for higher balances

Youth Add-On Certificate

Commit to savings and earn more with the Youth Add-On Certificate 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

  • ​Tiered rates for higher balances

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