Certificate Rates

Pick-A-Term Certificates

A limited time offer on our best rate with multiple term options.

Rates are valid as of and are subject to change.

Type Min. Balance Dividend Rate Annual Percentage Yield (APY) Disclaimers
3 Month Pick-A-Term $10,000 3.348% 3.40% C, DDD, MM
6 Month Pick-A-Term $10,000 3.203% 3.25%
12 Month Pick-A-Term $10,000 2.960% 3.00%

Term Share Certificates

Type Min. Balance Dividend Rate Annual Percentage Yield (APY) Disclaimers
6 Month Fixed $1,000 3.203% 3.25% C, MM
$50,000 3.300% 3.35%
$100,000 3.397% 3.45%
12 Month Fixed $1,000 2.960% 3.00% C, MM
$50,000 3.057% 3.10%
$100,000 3.154% 3.20%
12 Month Add-on $250 2.862% 2.90% C, D, MM
$50,000 2.960% 3.00%
$100,000 3.057% 3.10%
12 Month Youth Add-on $50 2.862% 2.90% C, D, MM, O
$50,000 2.960% 3.00%
$100,000 3.057% 3.10%
12 Month Deferred Dividend $500 2.960% 3.00% C, E, MM
$50,000 3.057% 3.10%
$100,000 3.154% 3.20%
13 Month Liquid $5,000 2.813% 2.85% C, K, MM
24 Month Fixed $1,000 3.057% 3.10% C, MM
$50,000 3.105% 3.15%
$100,000 3.154% 3.20%
24 Month Bump-up $1,000 2.960% 3.00% C, M, MM
$50,000 3.008% 3.05%
$100,000 3.057% 3.10%
24 Month Variable Add-on $500 2.960% 3.00% C, D, JJ, MM
$50,000 3.008% 3.05%
$100,000 3.057% 3.10%
36 Month Fixed $1,000 3.154% 3.20% C, MM
$50,000 3.203% 3.25%
$100,000 3.251% 3.30%
48 Month Fixed $1,000 3.105% 3.15% C, MM
$50,000 3.154% 3.20%
$100,000 3.203% 3.25%
60 Month Fixed $1,000 3.057% 3.10% C, MM
$50,000 3.105% 3.15%
$100,000 3.154% 3.20%
  • C) Fees or Early Withdrawal Penalties may reduce earnings: 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.
  • 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, each Pick-A-Term Certificate renews to the same term at the fixed rate in effect at that time.
  • E) “Deferred Dividend Certificate” dividends paid at maturity. Deposits cannot be added to this certificate once the certificate has been opened.
  • JJ) The dividend declaration date is the last day of the dividend period at which time these rates will be paid. Rates are fixed unless stated otherwise. Variable rates are subject to change anytime at the discretion of the Board of Directors.
  • 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. Maximum of 3 withdrawals per month. No dividends are paid on balances below the balance minimum.
  • M) Rate can be increased one time during certificate term, to the current Bump-Up Certificate rate with that same term.
  • MM) No dividends are paid on balances below account minimums. Membership required for all accounts. Provident Credit Union reserves the right to reject funds at any time and for any reason.
  • O) Primary account owner must be under 18 years of age. Joint owner must be 18 years or older.

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