Provident Credit Union Business $475 Business Savings Bonus (53.3% Effective APY) - 2026 Review
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Bonus Tiers & Effective APY
Overview
Provident Credit Union Business currently offers up to $475 through its business savings promotion. The headline tier requires $2,500 and keeps the funds committed for roughly 130 days. That is approximately 53.3% annualized before tax and opportunity-cost adjustments.
Who This Savings Bonus Is Best For
People with $2,500 of genuinely idle cash who can leave it committed for roughly 130 days without sacrificing a better use for the funds.
How to Maximize This Bonus
Complete $400 in card purchases for 2 consecutive months and keep the account in good standing until the reward posts. Confirm that purchases or transactions are eligible before relying on them.
Pros
Cons
How This Compares to Other Bonuses
Provident Credit Union Business's $475 headline payout is closest to Capital One Business's $500 offer. Compare the required capital, holding time, account fees, and base interest, not only the bonus.
Frequently Asked Questions
What is the current Provident Credit Union Business promotion?
Provident Credit Union Business currently offers up to $475. The headline requirement is $400 in card purchases for 2 consecutive months.
How much money is required for the Provident Credit Union Business bonus?
The highest advertised payout currently requires $2,500. Lower tiers may require less; review the tier table on this page.
How long is the money committed?
Plan on approximately 130 days including funding, maintenance, settlement, and a practical payout buffer.
Eligibility
Dividend Business Checking, promo SEED475. New CA business member (not owner on a Provident business account in last 2 years). Fund $100 + $2,500 total deposits within 60 days + $400 purchases for 2 consecutive months; enroll in online banking + eDocs. Branch-only. Expires offer may expire anytime per the bank (verified live on providentcu.org early July 2026).
Fees
Apply
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Sources (1)
We last checked this against the bank's page on August 12, 2026.
Historical Promotions
The current $475 is the highest we've tracked since June 2025.
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Fat Stacks Academy may earn a commission when you open an account through links on this page, at no additional cost to you. Commissions do not influence our reviews — we verify offer terms directly with each bank before publishing and do not accept paid placement in our rankings. Bonus offers, requirements, and fees are determined by each financial institution and may change at any time. Always verify the current terms directly with the bank before applying. This content is for informational purposes only and does not constitute financial advice.