Provident Federal Credit Union

We offer regular (savings) accounts as well as Christmas Club (annually), Vacation Club, I.R.A. and CD Share accounts. Member accounts in this credit union are federally insured to at least $250,000 and backed by the full faith and credit of the United States Government, NCUA, National Credit Union Administration, a U.S. Government Agency.

CHECKING ACCOUNTS
The Credit Union offers several different checking accounts to fit your specific needs: Regular, Ultra Plus, One Plus One and Money Market checking accounts. Each account is unique, but all of our accounts offer the following benefits:

		No minimum balance to maintain on selected accounts.*
		No monthly service charge on selected accounts.*
		Automatic overdraft protection ($500 limit) is available.
		Money may be automatically added to your account through convenient payroll deductions, in person or by mail.
		Monthly statements.
		No per check charge.
		Direct Deposit.

		No monthly service charges.
		Free Checks.
		VISA Check Card accepted at all VISA ATMs and merchants.
		VISA Credit Card with no annual fee.
		Direct Deposit.

		No monthly service charge on checking balances for one year.
		First order of checks free.
		Direct Deposit.

MONEY MARKET CHECKING*
With a Money Market Account, members can earn high rates of interest while enjoying greater financial flexibility. A minimum deposit of of only $500 will open a Money Market Account and earn interest tiered quarterly.

The higher interest rates are earned at each level on the accounts entire balance. There are three tiers for higher interest earning potential:

* Some restrictions may apply. Please consult the Credit Union office personnel for the current list of fees. Our phone numbers are (302) 734-1133 or (888) 328-7120.

DIRECT DEPOSIT/PAYROLL DEDUCTION
Direct Deposit and Payroll deduction are free services offered by your Credit Union.

Direct deposit is one of the safest and easiest means of depositing your check. No longer do you have to wait in line to deposit your check. Your check is automatically deposited to the specified account on your payday.

We can also electronically accept pensions or other payments directly into your Credit Union accounts such as:

The Payroll Deduction service is an automatic and easy method to add money to your accounts or to pay Credit Union loans. It allows you to specify an amount you want deducted from your pay each pay period and placed into your account.

Whatever your borrowing needs may be, whether you want to buy a new or used vehicle, fix up your home, or simply relax with a getaway vacation - we are ready to assist you!

Your Credit Union offers some of the most affordable, low-cost rates available, long with flexible terms to match your budget and your lifestyles.

Applying for a loan is easy - just stop by our office and talk to one of our loan officers. Our promise to you is that you will receive friendly and fast service.

VISA CARDS
Our VISA Credit Card offers one of the best annual percentage rates @ 12.50% A.P.R.

It also, offers a 25 day true grace period - which means that you can avoid finance charges on new purchases made since your last statement date by paying the total new balance shown on your statement within 25 days of the statement closing date.

Maximum credit limits available to $10,000 to help cover whatever financial need that may arise.

Please contact the Credit Union Office and speak to a loan officer for our VISA account details and summary of terms and account fees.

Checking Access Card
Our Visa Check card is a safe and convenient way to access funds from your checking account at any time of day or night. There are thousands of merchants and Automatic Teller Machine (ATM) locations throughout the world to meet your needs.

The Check card offers the safety and convenience of a credit card while avoiding credit card finance charges and annual fees.

Simply use your card at any ATM that displays the PLUS, CIRRUS or VISA logos for instant cash or at any business, which accepts VISA to pay for your meals, gas, entertainment, etc. The transaction will be deducted from your checking account balance and will appear on your monthly statement.

Members are allowed up to (5) free cash withdrawals per month. There is no charge to use your card at participating merchants.

FEE SCHEDULES
Effective February 1, 2008

PRODUCT FEE

On Line Visa Account Access Free

Replacement cards for Visa debit &
credit card lost First occurrence no charge
each additional occurrence
$20.00

Share - excess 5 withdrawals per mos. $3.00 for each extra after 5
within a 30 day month

Interim statement - acct. activity $3.00 per page

Checking acct. - reconciliation $25.00 per half hour

Check copies $5.00 per copy

Checking acct. monthly service fee $5.00 if balance under $300.00

Inactive share acct. fee $15.00 per month - if inactive
for 6 mos. and the balance
is under $300.00

NSF member sharedraft fee $35.00

Redeposit of NSF item $35.00

NSF 3rd party check $35.00

Overdraft transfer $3.00 per transfer from
member share account
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$5.00 per transfer from
member overdraft line

Deposited item No charge Color

Copy of statement from micro fische $2.50 per page

Check stop payment order $15.00 per share draft
$30.00 per check

Wire transfer $30.00 for domestic
$40.00 for foreign

Money order $1.50 per money order

Travelers checks No charge

Member personal fax request In state
$1.00 1st page
$.25 each additional page
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Out of state
$2.00 1st page
$.50 each additional page

Processing an IRS & State Tax Levy $50.00 per levy

Notary service No charge

Automobile value No charge

Member account number errors for
ACH & EFT transfers $35.00 per occurrence

Counter checks $2.00 per check

Non member check cashing $5.00 per check

ACH stop payment $30.00 per occurrence

Visa & Loan late payment $30.00 per occurrence

Visa returned payment check $35.00 per occurrence

Visa over limit fee $20.00 per occurrence

Safe Deposit Boxes Fee per year

3" x 5"
$20.00

3" x 10"
$30.00

5" x 5"
$25.00

5" x 10"
$50.00

10" x 10"
$100.00

Rates subject to change daily

TERM SHARE CERTIFICATES
The Credit Union offers various types of term share certificates from 6 months to 24 months, all at competitive fixed rates (subject to change weekly).

Individual Retirement Accounts (IRAs) are one of the best ways to build a nest egg for retirement. They are still considered a good tax-deferred option for most people because you pay no taxes on the income until the money is withdrawn. Retirement costs more than most people plan for. You must start preparing early for retirement if you don't want to work the rest of your life.

Provident Federal Credit Union's IRA accounts are safe too. They are federally insured to at least $250,000 and backed by the full faith and credit of the United States Government, NCUA, National Credit Union Administration, a U.S. Government Agency.