Provident Credit Union CD Rates

How Provident Credit Union’s CD rates compare

Compared with banks and credit unions near San Francisco, CA, where Provident Credit Union has the most branches. $10,000, best rate first.

This credit union’s best
Provident Credit Union
3.90%APY
Term
24 months
Requires
None
Minimum
$1,000
Earns on $10,000
$795
Fixed Rate Certificate
Top rate
Stanford Federal Credit Union
4.75%APY
Term
60 months
Requires
Another account
Minimum
$100
Earns on $10,000
$2,612
Stanford Federal Credit Union rates
2nd-highest rate
HSBC USA
4.60%APY
Term
24 months
Requires
Another account
Minimum
$1,000
Earns on $10,000
$941
HSBC USA rates

Compare CD rates near you →

CD score

Higher than 60% of U.S. banks and credit unions

By term

3–8 months3–8 mo3.75%
9–15 months9–15 mo3.30%
16–30 months16–30 mo3.90%
31–60 months31–60 mo3.35%
QualifiedQualified3.90%

Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.

How the score works →

Where Provident Credit Union ranks

By CD score, in each area where it has branches

Every rate

Current CD rates

Rates from the credit union’s website. Earnings assume the rate doesn’t change.

Fixed Rate Certificate

Up to 3.90%APY · 6 termsFrom $1,000 to open

Must open a Membership Savings Account prior to opening. Age 18 and up or have a joint owner. Early withdrawal penalties apply.

Earnings on $10,000 over the term.
Term	APY · $1,000 and up	APY · $50,000 and up	APY · $100,000 and up	APY	Earns on $10,000Earns
6 months	3.65%	3.70%	3.75%	3.65%3.70% from $50k3.75% from $100k	$181
12 months	3.30%	3.40%	3.50%	3.30%3.40% from $50k3.50% from $100k	$330
24 months	3.90%	3.95%	4.00%	3.90%3.95% from $50k4.00% from $100k	$795
36 months	3.20%	3.25%	3.30%	3.20%3.25% from $50k3.30% from $100k	$991
48 months	3.35%	3.40%	3.45%	3.35%3.40% from $50k3.45% from $100k	$1,409
60 months	3.30%	3.35%	3.40%	3.30%3.35% from $50k3.40% from $100k	$1,763

Sources (2)

All captured Sep 16, 2026

Bump-Up Certificates

3.80%APY · 1 termFrom $1,000 to open

Must open a Membership Savings Account prior to opening. Age 18 and up or have a joint owner. Rate can be increased one time during certificate term to the current Bump-Up Certificate rate with that same term. Early withdrawal penalties apply.

Earnings on $10,000 over the term.
Term	APY · $1,000 and up	APY · $50,000 and up	APY · $100,000 and up	APY	Earns on $10,000Earns
24 monthsOne bump-up allowed during term to current rate	3.80%	3.85%	3.90%	3.80%3.85% from $50k3.90% from $100k	$774

Sources (2)

All captured Sep 16, 2026

Variable Rate Add-On Certificate

3.80%APY · 1 termFrom $500 to open

Must open a Membership Savings Account prior to opening. Age 18 and up or have a joint owner. Variable rates are subject to change anytime at the discretion of the Board of Directors. Dividend declaration date is the last day of the dividend period. Can add deposits of any amount, at any time, up to a maximum balance of $1,000,000 without affecting term.

Earnings on $10,000 over the term.
Term	APY · $500 and up	APY · $50,000 and up	APY · $100,000 and up	APY	Earns on $10,000Earns
24 monthsVariable rate. Can add deposits of any amount anytime up to $1,000,000	3.80%	3.85%	3.90%	3.80%3.85% from $50k3.90% from $100k	$774

Sources (2)

All captured Sep 16, 2026

Pick-A-Term Certificates

Up to 3.75%APY · 3 termsPromotionalFrom $10,000 to open

Must open a Membership Savings Account prior to opening. Age 18 and up or have a joint owner. Limited time offer. Dividend rates are fixed for the term of the certificate and not subject to tiered rates. Deposits cannot be added once opened. Institutional deposits are not eligible. Renewals at maturity to the same term at the fixed rate in effect. Early withdrawal penalty applies.

Earnings on $10,000 over the term.
Term	APY	Earns on $10,000Earns
3 monthsLimited time offer. Fixed dividend rate. Deposits cannot be added after opening. Institutional deposits not eligible	3.60%	$89
6 monthsLimited time offer. Fixed dividend rate. Deposits cannot be added after opening. Institutional deposits not eligible	3.75%	$186
12 monthsLimited time offer. Fixed dividend rate. Deposits cannot be added after opening. Institutional deposits not eligible	3.30%	$330

Sources (2)

All captured Sep 16, 2026

Deferred Dividend Certificate

3.30%APY · 1 termFrom $500 to open

Must open a Membership Savings Account prior to opening. Age 18 and up or have a joint owner. Dividends paid at maturity and compounded annually. Deposits cannot be added to this certificate once opened.

Earnings on $10,000 over the term.
Term	APY · $500 and up	APY · $50,000 and up	APY · $100,000 and up	APY	Earns on $10,000Earns
12 monthsDividends paid at maturity and compounded annually. Deposits cannot be added once opened	3.30%	3.40%	3.50%	3.30%3.40% from $50k3.50% from $100k	$330

Sources (2)

All captured Sep 16, 2026

Fixed Rate Add-On Certificate

3.20%APY · 1 termFrom $250 to open

Must open a Membership Savings Account prior to opening. Age 18 and up or have a joint owner. 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 management.

Earnings on $10,000 over the term.
Term	APY · $250 and up	APY · $50,000 and up	APY · $100,000 and up	APY	Earns on $10,000Earns
12 monthsCan add deposits of any amount anytime up to $1,000,000	3.20%	3.30%	3.40%	3.20%3.30% from $50k3.40% from $100k	$320

Sources (2)

All captured Sep 16, 2026

Liquid Certificate

3.20%APY · 1 termFrom $5,000 to open

Must open a Membership Savings Account prior to opening. Age 18 and up or have a joint owner. Minimum withdrawal $500, minimum balance $5,000. Withdrawals must be made in person at a branch or by calling (800) 632-4600. Withdrawals allowed without penalty every 7 calendar days, maximum of 3 withdrawals per month. No dividends paid on balances below balance minimum.

Earnings on $10,000 over the term.
Term	APY	Earns on $10,000Earns
13 monthsMinimum withdrawal $500. Withdrawals allowed without penalty every 7 calendar days, max 3 withdrawals/month. In-person or phone withdrawal required	3.20%	$347

Sources (2)

All captured Sep 16, 2026

Special-purpose accounts

Fixed Rate IRA Term Share Certificates

Up to 3.90%APY · 5 termsIRAFrom $500 to open

Subject to IRA contribution limits and early withdrawal penalties. Available for retirement or educational savings. Minimum opening deposit $500.

Earnings on $10,000 over the term.
Term	APY · $500 and up	APY · $50,000 and up	APY · $100,000 and up	APY	Earns on $10,000Earns
12 months	3.30%	3.40%	3.50%	3.30%3.40% from $50k3.50% from $100k	$330
24 months	3.90%	3.95%	4.00%	3.90%3.95% from $50k4.00% from $100k	$795
36 months	3.20%	3.25%	3.30%	3.20%3.25% from $50k3.30% from $100k	$991
48 months	3.35%	3.40%	3.45%	3.35%3.40% from $50k3.45% from $100k	$1,409
60 months	3.30%	3.35%	3.40%	3.30%3.35% from $50k3.40% from $100k	$1,763

Sources (2)

All captured Sep 16, 2026

Add-On IRA Term Share Certificate

3.80%APY · 1 termIRAFrom $250 to open

Add deposits of any amount, at any time, up to a maximum balance of $1,000,000 without affecting term. Minimum opening deposit $250. Subject to IRA contribution limits and early withdrawal penalties.

Earnings on $10,000 over the term.
Term	APY · $250 and up	APY · $50,000 and up	APY · $100,000 and up	APY	Earns on $10,000Earns
24 monthsCan add deposits of any amount anytime up to $1,000,000. Subject to IRA rules	3.80%	3.85%	3.90%	3.80%3.85% from $50k3.90% from $100k	$774

Sources (2)

All captured Sep 16, 2026

Bump-Up IRA Term Share Certificate

3.80%APY · 1 termIRAFrom $500 to open

May request one bump-up during the term to the current Bump-Up Certificate rate. Minimum opening deposit $500. Early withdrawal penalties apply. Subject to IRA contribution limits.

Earnings on $10,000 over the term.
Term	APY · $500 and up	APY · $50,000 and up	APY · $100,000 and up	APY	Earns on $10,000Earns
24 monthsOne bump-up allowed during term to current rate. Subject to IRA rules	3.80%	3.85%	3.90%	3.80%3.85% from $50k3.90% from $100k	$774

Sources (2)

All captured Sep 16, 2026

Variable Rate IRA Term Share Certificate

Up to 3.80%APY · 2 termsIRAFrom $500 to open

Variable rates are subject to change anytime at the discretion of the Board of Directors. Dividend declaration date is the last day of dividend period. Add deposits of any amount, at any time, up to a maximum balance of $1,000,000 without affecting term. Minimum opening deposit $500. Maximum balance $1,000,000. Subject to IRA rules and early withdrawal penalties.

Earnings on $10,000 over the term.
Term	APY · $500 and up	APY · $50,000 and up	APY · $100,000 and up	APY	Earns on $10,000Earns
24 monthsVariable rate. Can add deposits of any amount anytime up to $1,000,000. Subject to IRA rules	3.80%	3.85%	3.90%	3.80%3.85% from $50k3.90% from $100k	$774
36 monthsVariable rate. Can add deposits of any amount anytime up to $1,000,000. Subject to IRA rules	3.10%	3.15%	3.20%	3.10%3.15% from $50k3.20% from $100k	$959

Sources (2)

All captured Sep 16, 2026

IRA Pick-A-Term Certificates

Up to 3.75%APY · 3 termsIRAPromotionalFrom $10,000 to open

Limited time offer. Dividend rates are fixed for the term of the certificate and are not subject to a tiered rate. Minimum opening deposit $10,000. Deposits cannot be added once opened. Institutional deposits are not eligible. Renews at maturity to same term at fixed rate in effect. Subject to IRA contribution limits. Early withdrawal penalty applies.

Earnings on $10,000 over the term.
Term	APY	Earns on $10,000Earns
3 monthsLimited time offer. Fixed dividend rate. Deposits cannot be added after opening. Institutional deposits not eligible. Subject to IRA rules	3.60%	$89
6 monthsLimited time offer. Fixed dividend rate. Deposits cannot be added after opening. Institutional deposits not eligible. Subject to IRA rules	3.75%	$186
12 monthsLimited time offer. Fixed dividend rate. Deposits cannot be added after opening. Institutional deposits not eligible. Subject to IRA rules	3.30%	$330

Sources (1)

providentcu.org/products/iras-…pick-a-term-certificates · captured Sep 16, 2026

Youth Add-On Certificate

3.20%APY · 1 termKids and teensFrom $50 to open

Must open a Youth Membership Savings account prior to opening. Primary account owner must be under 18 years of age (Ages 0-17) with joint owner of 18+. Can add deposits of any amount, at any time, up to a maximum balance of $1,000,000 without affecting term. Early withdrawal penalty equals 180 days earnings.

Earnings on $10,000 over the term.
Term	APY · $50 and up	APY · $50,000 and up	APY · $100,000 and up	APY	Earns on $10,000Earns
12 monthsCan add deposits of any amount anytime up to $1,000,000. Early withdrawal penalty equals 180 days earnings	3.20%	3.30%	3.40%	3.20%3.30% from $50k3.40% from $100k	$320

Sources (2)

All captured Sep 16, 2026

Who can join Provident Credit Union

This may be incomplete or out of date, so check with the credit union before you apply.

Where you live or work

You are eligible for membership based on where you live or work in Alameda County, City of Los Angeles, Contra Costa County, El Dorado County, Humboldt County, Monterey County, Placer County, Sacramento County, San Francisco County, San Mateo County, or Santa Clara County.

Employers and groups

You are eligible for membership if you are an employee of a company belonging to one of the specified Chambers of Commerce.
You are eligible for membership if you are employed by one of the qualifying participating employers.
You are eligible for membership through membership or affiliation with one of the listed unions or associations.

Military, government and schools

You are eligible for membership through affiliation with listed universities, colleges, schools, alumni associations, or teachers associations.

Family and household

You are eligible for membership if you are related by birth, marriage, or adoption to, or live in the same household (maintaining a single economic unit) as, a current Provident Credit Union member.

1 more way to join

Family and household

Members may sponsor immediate family members (spouses, parents, children, siblings, grandparents, grandchildren, stepparents, stepchildren, stepsiblings, and adoptive relationships) who are U.S. citizens or permanent residents.

Membership information collected October 5, 2026.

Check membership requirements ↗Branches and institution details

← Provident Credit Union overview

How Provident Credit Union’s CD rates compare

Provident Credit Union CD score

Current CD rates

Fixed Rate Certificate

Bump-Up Certificates

Variable Rate Add-On Certificate

Pick-A-Term Certificates

Deferred Dividend Certificate

Fixed Rate Add-On Certificate

Liquid Certificate

Special-purpose accounts

Fixed Rate IRA Term Share Certificates

Add-On IRA Term Share Certificate

Bump-Up IRA Term Share Certificate

Variable Rate IRA Term Share Certificate

IRA Pick-A-Term Certificates

Youth Add-On Certificate

Who can join Provident Credit Union

Where you live or work

Employers and groups

Military, government and schools

Family and household

Family and household