Credit union · NCUA insured
Provident Credit Union Savings Rates
Provident Credit Union’s best savings rate is 2.90% APY on $10,000, with its Accumulator Savings Account. Rates checked October 17, 2026.
How Provident Credit Union’s savings 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
0.61%APY
- Requires
- None
- Earns on $10,000 a year
- $61
Money Market Account
Top rate
Nuvision Credit Union
4.50%APY
- Requires
- Monthly account activity
- Earns on $10,000 a year
- $450
2nd-highest rate
HSBC USA
4.40%APY
- Requires
- Monthly account activity
- Earns on $10,000 a year
- $440
Provident Credit Union savings score
81
Savings score
Higher than 56% of U.S. banks and credit unions
- $1,000 balance$1,0000.08%
- $10,000 balance$10,0000.61%
- $100,000 balance$100,0002.90%
- QualifiedQualified0.61%
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.
Where Provident Credit Union ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
High Yield Money Market Account
Up to 0.61%APY
Membership required. The minimum opening deposit is $250,000 and must be funds that have not been on deposit with Provident Credit Union for the last 60 days. You must maintain a minimum daily balance of at least $2,500 in your account each day to obtain the disclosed annual percentage yield. Dividends will be compounded monthly and credited to your money market account monthly. No account fees.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,500 and upMust maintain minimum daily balance of $2,500. Requires $250,000 minimum opening deposit of funds not on deposit with Provident in last 60 days. | 0.08% | $8 | Must maintain minimum daily balance of $2,500. Requires $250,000 minimum opening deposit of funds not on deposit with Provident in last 60 days. |
| $10,000 and upRequires $250,000 minimum opening deposit of funds not on deposit with Provident in last 60 days. | 0.61% | $61 | Requires $250,000 minimum opening deposit of funds not on deposit with Provident in last 60 days. |
| $50,000 and upRequires $250,000 minimum opening deposit of funds not on deposit with Provident in last 60 days. | 0.66% | — | Requires $250,000 minimum opening deposit of funds not on deposit with Provident in last 60 days. |
| $100,000 and upRequires $250,000 minimum opening deposit of funds not on deposit with Provident in last 60 days. | 0.76% | — | Requires $250,000 minimum opening deposit of funds not on deposit with Provident in last 60 days. |
| $250,000 and upRequires $250,000 minimum opening deposit of funds not on deposit with Provident in last 60 days. | 3.75% | — | Requires $250,000 minimum opening deposit of funds not on deposit with Provident in last 60 days. |
Premier Money Market Account
0.08%APY
Requires a minimum $1,000/month Direct Deposit to a checking account under the same membership, to begin no later than 90 days from account opening and continue for the life of the account. If direct deposit requirement is not met, earns base rate. Maintain minimum balance of $25,000.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceBase rate earned when $1,000/month direct deposit requirements are not met. | 0.08% | $8 | Base rate earned when $1,000/month direct deposit requirements are not met. |
| $25,000 and upRequires $1,000/month direct deposit to a checking account under the same membership. | 0.71% | — | Requires $1,000/month direct deposit to a checking account under the same membership. |
| $75,000 and upRequires $1,000/month direct deposit to a checking account under the same membership. | 3.00% | — | Requires $1,000/month direct deposit to a checking account under the same membership. |
| $125,000 and upRequires $1,000/month direct deposit to a checking account under the same membership. | 3.40% | — | Requires $1,000/month direct deposit to a checking account under the same membership. |
Money Market Account
Up to 0.61%APY
$2,500 minimum balance required. Instant liquidity; can be used as an overdraft source for Provident Checking accounts.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $2,500 and up | 0.08% | $8 |
| $10,000 and up | 0.61% | $61 |
| $50,000 and up | 2.90% | — |
| $100,000 and up | 3.10% | — |
Accumulator Savings Account
2.90%APY
Guaranteed minimum rate of return through December 31st of the current year. Floor rate is 0.080% APY. Maximum deposit of $3,000 per month per account. Deposits can only be made by direct deposit, payroll deduction or automatic transfer. Dividends are deferred until maturity. Funds transferred to Membership Savings within 12 months.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upMinimum opening deposit of $25 applied upon first automatic deposit; maximum opening deposit is $3,000. Floor rate of 0.080% APY guaranteed through December 31 of the current year.$25 and up | 2.90% | $290 | Minimum opening deposit of $25 applied upon first automatic deposit; maximum opening deposit is $3,000. Floor rate of 0.080% APY guaranteed through December 31 of the current year. |
Provident Savings Account
0.03%APY
Basic savings account for all Provident members. Required for Provident Credit Union membership. Can be used as an overdraft source for Provident Checking accounts.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $25,000 | 0.03% | $3 |
| $25,000 and up | 0.08% | — |
Secondary Savings
0.03%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $25,000 | 0.03% | $3 |
| $25,000 and up | 0.08% | — |
Sources (1)
- providentcu.org/products/savings-accounts/savings-rates · captured Oct 6, 2026
Round Up Savings
0.03%APY
Must enroll through online banking with ongoing enrollment in e-Documents and an eligible Provident checking account. Joint owners are not allowed. 100% matching of eligible debit card transactions for first 3 months on first enrolled account; 5% matching on subsequent accounts/periods up to $250/year. Super Reward Checking not eligible for matching.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo monthly fees.Any balance | 0.03% | $3 | No monthly fees. |
Special-purpose accounts
HSA Checking
0.31%APY
Membership required for all accounts. Government rules determine whether you are eligible and how you operate your account. You must be covered by a high deductible health plan (HDHP) that is HSA-compatible and not enrolled in Medicare, in addition to other requirements. Unlike Flexible Spending Accounts, your HSA has no "use it or lose it" requirement and also stays with you if you change jobs or retire. There is a service charge of $2 per month for this account. Fees may reduce earnings.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upProvident's HSA works like a checking account and earns dividends. Funds for immediate medical expenses are accessed with a debit card.$25 and up | 0.31% | $31 | Provident's HSA works like a checking account and earns dividends. Funds for immediate medical expenses are accessed with a debit card. |
Sources (2)
- providentcu.org/products/health-savings-account
- providentcu.org/products/healt…ngs-account/hsa-checking
All captured Oct 6, 2026
ESA Savings Account
0.10%APY
Coverdell Education Savings Account (ESA). Maximum annual contribution to a Coverdell ESA is $2,000. Maximum balance of $1,000,000 without affecting term.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $1,000,000Minimum opening deposit of $500. Rates are variable and subject to change.Up to $1,000,000 | 0.10% | $10 | Minimum opening deposit of $500. Rates are variable and subject to change. |
IRA Savings Account
0.10%APY
IRA contributions are limited to $7,500 per year, with an additional $1,100 catch-up allowed for those over 50 years old. Maximum balance of $1,000,000.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $1,000,000Rates are variable and subject to change.Up to $1,000,000 | 0.10% | $10 | Rates are variable and subject to change. |
Youth Savings Account
0.03%APY
Children under 10 must have an adult sign for them as primary owner. Converts to a regular savings account on member's 18th birthday. When opened, the child becomes a member of Provident.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $25,000 | 0.03% | $3 |
| $25,000 and up | 0.08% | — |
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.