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

Tiered 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
Federally insured up to $250,000 by the NCUA
Rate bonus available to qualified members. Contact us for details.

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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

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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 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 0.260% APY - 0.360% APY depending on your account balance.

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

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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
Current rates between 0.260% APY - 0.360% APY depending on your account balance.

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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
Current rate 0.160% APY
Federally insured up to $250,000 by the NCUA

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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
Current rates between 0.260% APY - 0.360% APY depending on your account balance.

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

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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.

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.