# Provident Credit Union CD and share certificate rates

As of October 23, 2026, Provident Credit Union's highest tracked CD (share certificate) rate is 3.75% APY on a 6-month promotional CD ($10,000 minimum). That is 2.7 times the FDIC national average for 6-month CDs (1.39%).

Canonical page: https://apyledger.com/cd-rates/provident-credit-union
Institution: Provident Credit Union (NCUA 66343)
Aliases: 
Status: live
Last verified: 2026-10-23T11:35:01.000Z (October 23, 2026)
Official source: https://providentcu.org/products/savings-accounts/certificates/pickaterm
Coverage: Membership required. Pick-A-Term personal certificates require $10,000; institutional deposits and IRA-only certificates are excluded. Early withdrawal penalties may apply.
Treasury comparison date: 2026-10-22. Premiums are percentage points versus the same-term APY-equivalent Treasury yield.

| Product | Kind | Term | Minimum deposit | APY | Quoted location | vs. Treasury | Verified (UTC) | Source snapshot |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Pick-A-Term Certificate | promotional | 3 months | $10,000 | 3.60% | Not ZIP-priced | −0.66% | 2026-10-23T11:35:01.000Z | [Snapshot 1021](https://apyledger.com/snapshots/1021) |
| Pick-A-Term Certificate | promotional | 6 months | $10,000 | 3.75% | Not ZIP-priced | −0.59% | 2026-10-23T11:35:01.000Z | [Snapshot 1021](https://apyledger.com/snapshots/1021) |
| Pick-A-Term Certificate | promotional | 12 months | $10,000 | 3.30% | Not ZIP-priced | −1.16% | 2026-10-23T11:35:01.000Z | [Snapshot 1021](https://apyledger.com/snapshots/1021) |

Rates and eligibility can change. ZIP-specific quotes must not be treated as statewide or nationwide offers. Confirm terms with the institution before opening an account. This is not financial advice.