Borrowing against your own funds secured by a Provident Certificate of Deposit (CD) is a fast, convenient, low cost way of obtaining a loan. No credit check or proof of income is required.  

• Maximum term: up to 60 months; loan maturity date must match CD maturity date.
• Loan Amount: up to 95% of the CD balance
• Fixed rate equal to the CD Rate plus 2.50%; 0.50% discount available with autopay from a Provident checking account. 
• Amortized payment (blended P&I payment) based on the loan term.
•  

  Rates as of Friday, May 18, 2012
  Product Description	Interest Rate	Annual Percentage Rate	Payment per $1,000	Payments	Apply
  Secured Personal Loan to 60 Months
  Secured Personal Loan - 60 months w/out autopay	3.887%	3.888%	$18.37	Show Payments and Rates
  Secured Personal Loan - 48 months w/out autopay	3.735%	3.734%	$22.46	Show Payments and Rates
  Secured Personal Loan - 36 months w/out autopay	3.392%	3.391%	$29.25	Show Payments and Rates
  Secured Personal Loan - 24 months w/out autopay	2.994%	2.995%	$42.98	Show Payments and Rates
  Secured Personal Loan - 18 months w/out autopay	2.895%	2.897%	$56.84	Show Payments and Rates
  Secured Personal Loan - 12 months w/out autopay	2.695%	2.697%	$84.55	Show Payments and Rates
  Secured Personal Loan - 9 months w/out autopay	2.595%	2.597%	$112.32	Show Payments and Rates
  Secured Personal Loan - 6 months w/out autopay	2.595%	2.587%	$167.93	Show Payments and Rates

• Payment per $1,000 represents the monthly payment at the rate and term indicated.
• Loan amount limited to 95% of the CD balance.  Loan term to match CD maturity date.
• Rates subjct to change without notice.