Commercial Certificates of Deposit (CDs) provide you with the following features:

• Terms from 3 months to 60 months
• Fixed rate for the life of the CD
• Minimum opening balance is $500
• Premium rate paid on CDs if your total relationship includes 3 or more Provident deposit or loan accounts and $10,000 currently on deposit
• Interest compounded daily and credited monthly
• Deposits and withdrawals are not allowed during the term of the CD
• Substantial penalty for early withdrawal