Pick-A-Term Certificate

Earn more on your terms

Pick-A-Term Certificates

Grow your money quickly on terms ranging from 3 to 12 months and earn up to 4.75% APY!130 Minimum opening deposit of $10,000.229

130 Minimum opening deposit of $10,000.229

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Earn ​up to 4.75% APY130

Grow your money quickly with our new Pick-A-Term certificate224 product. Take advantage of our limited time offer with terms ranging from 3 months to 12 months.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 4.650% 4.75% C, DDD
6 Month Pick-A-Term $10,000 4.650% 4.75%
9 Month Pick-A-Term $10,000 4.650% 4.75%
12 Month Pick-A-Term $10,000 4.410% 4.50%
  • 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 3 Month Pick-A-Term Certificate fixed rate. 6 Month Pick-A-Term Certificate will automatically renew to the 6 Month Pick-A-Term Certificate fixed rate and the 9 Month and 12 Month Pick-A-Term Certificates will renew to the 12 Month Pick-A-Term Certificate fixed rate in effect at that time.

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. May be extended or withdrawn without notice. Membership required. Dividend rates are fixed for the term of the certificate and are not subject to a tiered rate. Early withdrawal penalty may apply.

    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 3 Month Pick-A-Term Certificate fixed rate. 6 Month Pick-A-Term Certificate will automatically renew to the 6 Month Pick-A-Term Certificate fixed rate and the 9 Month and 12 Month Pick-A-Term Certificates will renew to the 12 Month Pick-A-Term Certificate fixed rate in effect at that time.