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Personal Banking CD & IRA Accounts

Financial Calculators

Resource our home, personal, investment, retirement and leasing calculators to help make informed financial decisions.


Our Growth

Through key strategic initiatives Providence Bank & Trust continues to grow the neighborhoods in which we serve. We look forward to continued progress as well as being the local bank in the communities we serve.


Safety & Security

Learn how to protect yourself against imposters pretending to be the FDIC.

Our experienced professionals are ready to assist you in choosing the certificate of deposit or Individual Retirement Account (IRA) that works best for you.


Certificate of Deposit - Special

4.75% APY* 7 Month CD Special

7 Month CD Special

4.50% APY*

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Important Disclaimer Information:

*7 Month CD Special: APY refers to Annual Percentage Yield. CD refers to Certificate of Deposit. Interest rate of 4.426% and APY of 4.50% are accurate as of September 26, 2024, and is subject to discontinuation or change without notice. Providence Bank & Trust reserves the right to limit deposits. Individual Retirement Account (IRA) are eligible.  Minimum balance to open a CD or IRA and earn stated APY is $2,500.00. Fees may reduce earnings. Interest is compounded quarterly. Penalties may be imposed for early withdrawal.  At maturity, the 7 month CD will renew to a 12 month CD, at the rate we are paying on the date of maturity for a 12 month CD. Other terms and conditions may apply.

Certificate of Deposit - Special
4.50% APY* 13 Month CD Special

 

13 Month CD Special

4.25% APY*

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Important Disclaimer Information:

*13 Month CD Special: APY refers to Annual Percentage Yield. CD refers to Certificate of Deposit. Interest rate of 4.184% and APY of 4.25% are accurate as of September 26, 2024 and is subject to discontinuation or change without notice. Providence Bank & Trust reserves the right to limit deposits. Individual Retirement Account (IRA) are eligible. Minimum balance to open a CD or IRA and earn stated APY is $2,500.00. Fees may reduce earnings. Interest is compounded quarterly. Penalties may be imposed for early withdrawal. At maturity, the 13 month CD will renew to a 12 month CD, at the rate we are paying on the date of maturity for a 12 month CD. Other terms and conditions may apply.

Providence Certificates of Deposit

For customers who value investing at a higher fixed rate of interest for a fixed term, Providence Bank & Trust Certificates of Deposit (CD) provide these advantages:

  • Higher interest rate
  • FDIC insured
  • Terms from three months to five years*
  • $2,500 minimum deposit for CDs with terms of three or six months
  • $1,000 minimum deposit for CDs with terms of one year or longer
  • Interest is compounded and can be transferred to your checking
    or savings account
  • CDs automatically renew at maturity for the same term but at
    the interest rate offered for that term on the day of renewal

* A substantial penalty applies for early withdrawal.

Providence IRA Certificates of Deposit

For customers who value easy investing for retirement, Providence Bank & Trust IRA Certificates of Deposit provide these advantages:

  • Higher interest rate
  • FDIC insured
  • Terms up to five years*
  • IRA CDs allows additions during the term
  • $1,000 minimum deposit
  • Compounded interest paid quarterly
  • CDs automatically renew at maturity for the same term but at
    the interest rate offered for that term on the day of renewal

* A substantial penalty applies for early withdrawal.