Certificate Rates
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 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.
All Other Certificates
| Type | Min. Balance | Dividend Rate | Annual Percentage Yield (APY) | Disclaimers |
|---|---|---|---|---|
| 6 Month Fixed | $1,000 | 1.203% | 1.210% | C |
| $50,000 | 1.253% | 1.260% | ||
| $100,000 | 1.302% | 1.310% | ||
| 12 Month Fixed | $1,000 | 2.041% | 2.060% | C |
| $50,000 | 2.090% | 2.110% | ||
| $100,000 | 2.139% | 2.160% | ||
| 12 Month Add-on | $250 | 1.943% | 1.960% | C, D |
| $50,000 | 1.992% | 2.010% | ||
| $100,000 | 2.041% | 2.060% | ||
| 12 Month Youth Add-on | $50 | 1.943% | 1.960% | C, D, O |
| $50,000 | 1.992% | 2.010% | ||
| $100,000 | 2.041% | 2.060% | ||
| 12 Month Deferred Dividend | $500 | 2.041% | 2.060% | C, E |
| $50,000 | 2.090% | 2.110% | ||
| $100,000 | 2.139% | 2.160% | ||
| 13 Month Liquid | $5,000 | 1.598% | 1.610% | C, K |
| 24 Month Fixed | $1,000 | 2.139% | 2.160% | C |
| $50,000 | 2.188% | 2.210% | ||
| $100,000 | 2.237% | 2.260% | ||
| 24 Month Bump-up | $500 | 2.041% | 2.060% | C |
| $50,000 | 2.090% | 2.110% | ||
| $100,000 | 2.139% | 2.160% | ||
| 24 Month Variable Add-on | $500 | 2.041% | 2.060% | C, D |
| $50,000 | 2.090% | 2.110% | ||
| $100,000 | 2.139% | 2.160% | ||
| 36 Month Fixed | $1,000 | 2.237% | 2.260% | C |
| $50,000 | 2.286% | 2.310% | ||
| $100,000 | 2.335% | 2.360% | ||
| 48 Month Fixed | $1,000 | 2.384% | 2.410% | C |
| $50,000 | 2.433% | 2.460% | ||
| $100,000 | 2.482% | 2.510% | ||
| 60 Month Fixed | $1,000 | 2.530% | 2.560% | C |
| $50,000 | 2.579% | 2.610% | ||
| $100,000 | 2.628% | 2.660% |
- 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.
- D) 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.
- E) Deferred Dividend Certificate: Dividends are paid at maturity. Deposits cannot be added to this certificate once the certificate has been opened.
- K) 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 with a maximum of 3 per month. No dividends are paid on balances below the balance minimum.
- O) Primary account owner must be under 18 years of age. Joint owner must be 18 years or older.