Provident: IRA, ESA, & HSA Account Rates

IRA, ESA, & HSA Accounts Rates

Rates are valid as of February 17, 2012 and are subject to change

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IRA Term Share Certificates:

Fixed Rate: Traditional, Roth, & Coverdell ESA (Educational)
Term in Months	Minimum Balance	Dividend Rate	Annual Percentage Yield (APY)	More Info
12	$500	0.300%	0.300%	C, G
24	$500	0.549%	0.550%	C, G
24 Add-On	$250	0.449%	0.450%	C, G, D
36	$500	0.896%	0.900%	C, G
48	$500	1.193%	1.200%	C, G
60	$500	1.638%	1.650%	C, G
24 Bump-Up	$500	0.399%	0.400%	C, G, M

Variable Rate: Roth IRA
Term in Months	Minimum Balance	Dividend Rate	Annual Percentage Yield (APY)	More Info
36	$500	0.797%	0.800%	C, F, G

Variable Rate: Coverdell ESA (Educational IRA)
Term in Months	Minimum Balance	Dividend Rate	Annual Percentage Yield (APY)	More Info
24	$500	0.449%	0.450%	C, F, G

IRA Savings Accounts:

Variable Rate: Traditional & Roth IRAs
Type	Minimum Balance	Dividend Rate	Annual Percentage Yield (APY)	More Info
IRA Savings	$25	0.200%	0.200%	F, G

Health Savings Accounts

Type	Minimum Balance	Dividend Rate	Annual Percentage Yield (APY)	More Info
HSA Checking	$25	1.638%	1.650%	—

Fixed Rate Certificate: HSA
Term in Months	Minimum Balance	Dividend Rate	Annual Percentage Yield (APY)	More Info
12 Add-On	$250	0.300%	0.300%	C, D, P
24 Add-On	$250	0.549%	0.550%	C, D, P

Deposit Insurance

All Provident Credit Union deposits are federally insured to at least $250,000 per member (in addition to a separate $250,000 insurance for IRAs) by the National Credit Union Administration (NCUA), a United States Government agency. This agency charters and supervises federal credit unions and insures savings in federal credit unions and most state-chartered credit unions across the country through the National Credit Union Share Insurance Fund (NCUSIF), a federal fund backed by the full faith and credit of the United States government.

These rates are prospective and are expected to be paid on the next dividend declaration date. 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 monthly at the discretion of the Board of Directors. No dividends are paid on balances below account minimums. All rates are subject to change. Membership required for all accounts.

C) Penalty for early withdrawal may be assessed and may reduce earnings.

D) You can add deposits of any amount, at any time, up to a maximum balance of $500,000 without affecting your term. Deposits that bring the balance over $500,000 are at the discretion of Provident's management. These are excellent accounts to be used with direct deposit, payroll deduction, or automatic transfer.

F) Rate is subject to change quarterly at the discretion of the Board of Directors.

G) IRA contributions are limited to $5,000 per year; additional $1,000 allowed for those over 50 years old to "catch up". Rollovers and direct transfers do not count against your contribution limit. The maximum annual contribution to a Coverdell ESA is $2,000.

M) Rate can be increased one time during certificate term, to the currently published Bump-Up Certificate rate with that same term.

P) This account requires concurrent enrollment in a Provident HSA Checking account.

J) Specials cannot be combined with each other or any other special offers. Online bonus applies to new money deposited at Provident or roll over certificates only.

This credit union is federally insured by the National Credit Union Administration (NCUA).

Notice of Changes in Temporary NCUA Insurance Coverage for Transaction Accounts

IRA, ESA, & HSA Accounts Rates

IRA Term Share Certificates:

IRA Savings Accounts:

Health Savings Accounts

Deposit Insurance

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