Savings
Provident Federal Credit Union offers a variety of savings accounts to fill the needs of any member. Each account has specific benefits and restrictions.
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.
| Type | Terms | Minimum Balance |
|---|---|---|
| Regular Shares | 6 withdrawals per month with no fee | $5.00 |
| Vacation Club | 6 withdrawals per month with no fee | N/A |
| Holiday Club | 12 Months Nov 1 - Nov 1 |
N/A |
| Share Certificates | From 6 months | $500.00 |
| IRA Savings | 13 weeks | $5.00 |
| IRA Certificates | 18 months | $500.00 |
Dividends / Interest
Dividends are calculated based on the day of deposit, day of withdrawal and are paid on accounts quarterly.
New Online Banking Security Feature Coming Soon
All current users will be required to select new challenge questions/answers beginning on 5/14/26, and set up phone numbers that will be able to receive one-time passcodes (OTP) for each login going forward. Please make sure that the phone numbers currently listed for your online account are correct. If you have any questions regarding these changes, please contact Provident FCU at 302-734-1133.
How does the new security feature work?
When logging into online banking on your computer, you will receive a message (text or voice) on your phone with a 6-digit code. You will be asked to enter this code to complete the login process on your computer. This feature takes place of answering security questions when logging into online banking. This feature is also available in the mobile app.