Pick-A-Term Certificate

Earn more on your terms

Pick-A-Term Certificates

Earn up to 3.40% APY130 with a 3, 6 or 12 month term.224 Minimum opening deposit of $10,000.229

130 with a 3, 6 or 12 month term.224 Minimum opening deposit of $10,000.229

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Provident and USF

Earn up to ​3.40% APY130

Step up your savings game and score big with a Pick-A-Term certificate!224 Take advantage of our limited-time offer and choose from 3, 6, or 12 month terms.229 Whether you're saving for a short-term goal or need a convenient solution for your financial needs, this is an excellent investment option.

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Certificate Benefits

Guaranteed Returns

Your money grows at a fixed rate over your chosen term with locked-in interest.

Range of Terms

Select the term that best meets your financial goals.

Federally Insured by NCUA

Enjoy peace of mind knowing that your money is safe and secure

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 3.300% 3.35%
12 Month Pick-A-Term $10,000 3.251% 3.30%
  • 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.
  • 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.
  • 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.

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Disclosures

  • 130) APY = Annual Percentage Yield. Dividend rates are fixed for the term of the certificate. Rates are valid as of   and are subject to change.
  • 224) Penalty for early withdrawal may be assessed and may reduce earnings for all term share certificates.
  • 229) 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.