Provident Credit Union

Rated star_ratedstar_ratedstar_ratedstar_rated_halfstar_normal by Credit Guide
Review based on 12 criteria Rating: 3.5 out of 5

303 Twin Dolphin Drive, Redwood City, CA 94065

Website

(650) 508-0300

Data Source: NCUA, December 31, 2016


Provident Credit Union was founded in 1950. Headquartered in Redwood City, California, Provident Credit Union is a state chartered and federally insured credit union, being chartered in California and insured through the National Credit Union Share Insurance Fund (NCUSIF). Provident Credit Union is also a member of the Federal Home Loan Bank (FHLB), which allows a credit union to access low cost secured borrowings or advances and prlides its members with financial products and services that assist and enhance the financing of housing and community lending.

As of December 31, 2016, Provident Credit Union services 108,977 members through its 20 offices and branches and 281 full-time and 32 part-time employees. It has $2,283,897,433 of total assets and $269,272,664 of net worth. Based on its asset size and net worth ratio, Provident Credit Union is classified as a Well Capitalized large credit union.

Provident Credit Union offers a number of deposit and loan products to its members. To find out how competitive the offers are, please go to the Interest Rates page. Provident Credit Union also provides an array of services to its members and local communities. Provident Credit Union plans to extend its services by adding more branches or service centers in the next 12 month. To find out more, please go to the Services page.

The following two tables list the deplitory and loan interest rates of Provident Credit Union’s popular offerings. You can find out how competitive the offerings are by comparing them to the median interest rates offered by credit unions in California and in the nation.

Major Deplitory Accounts and Interest Rates (%)

Interest Rate
Median of California
Median of USA
Checking
0.9300
0.0000
0.0000
Savings
0.0300
0.1000
0.1200
Money Market
0.2000
0.1900
0.2500
Certificate Deplit
0.2500
0.5500
0.5800
IRA
1.1900
0.4500
0.5000

Major Loan Accounts and Interest Rates (%)

Interest Rate
Median Rates of California
National Median Rates
Credit Cards
11.2400
10.0400
9.9900
Unsecured Line of Credits
11.2500
10.9900
10.9500
Short-term Small Amount
n/a
28.0000
25.0000
Student Loans
n/a
5.7500
6.0200
New Car Loans
3.0000
3.0000
3.3300
Used Car Loans
3.0000
3.7400
4.5000
1st Mortgage Real Estates
3.3800
4.0300
4.2500
Other Real Estates
4.2500
4.7400
4.7000

Provident Credit Union prlides a number of ways to access its services. In addition to its office and branches, a member can perform banking through Internet, phones, ATMs, and mobile devices. The table below lists the electronic banking services prlided by Provident Credit Union.

Electronic Banking Service Offerings

Membership Application
Yes
Yes
Share Account Transfers
Yes
New Loan Application
Yes
Share Draft Orders
Yes
Yes
New Share Account
Yes
Bill Payment
Yes
Yes
e-Statements
Yes
Loan Payments
Yes
No
Account Balance Inquiry
Yes
No
No
View Account History
Yes
Yes

As a community financial institution, Provident Credit Union actively involves in local communities by prliding services such as financial counseling, financial education, financial literacy workshops, first tim home buyer programs, and student scholarships.

Community and other Service Offerings

Financial Counselling
Yes
Bilingual Services
No
Free Bill Pay
Yes
Financial Education
Yes
In-School Branches
No
Free Tax Preparation Service
No
Financial Literacy Workshops
Yes
Student Scholarships
Yes
Insurance/Investment Sales
Yes
First Time Homebuyer Program
Yes
Branch Office
701 Sacramento St
San Francisco, CA 94108-2504
Phone:415-397-3302

Branch Office
210 Redwood Shores Pkwy
Redwood City, CA 94065-1100
Phone:650-591-7845

Branch Office
2390 El Camino Real Ste 110
Palo Alto, CA 94306-1437
Phone:650-320-1521

Branch Office
8301 Edgewater Dr
Oakland, CA 94621-1460
Phone:510-632-4847

Branch Office
209 Broadway
Millbrae, CA 94030-2507
Phone:650-259-7562

Branch Office
15425 Los Gatos Blvd
Los Gatos, CA 95032-2553
Phone:408-358-3693

Branch Office
22302 Foothill Blvd
Hayward, CA 94541-2710
Phone:510-582-7269

Branch Office
2475 Iron Point Rd Ste 110
Folsom, CA 95630-8755
Phone:916-893-1851

Branch Office
2916 Central Ave Ste B
Eureka, CA 95501-3902
Phone:95501

Branch Office
2171 Junipero Serra Blvd Ste 150
Daly City, CA 94014-1955
Phone:94014

Branch Office
398 W El Camino Real
Sunnyvale, CA 94087-1397
Phone:408-746-9286

Branch Office
450 Golden Gate Ave Ste 2-0558
San Francisco, CA 94102-3433
Phone:94102

Branch Office
742 Bancroft Rd
Walnut Creek, CA 94598-1531
Phone:925-941-6308

Branch Office
11030 Bollinger Canyon Rd Ste 190
San Ramon, CA 94582-4874
Phone:94582

Branch Office
2727 S El Camino Real Ste B
San Mateo, CA 94403-2489
Phone:94403

Branch Office
1705 E Capitol Expy Ste 20
San Jose, CA 95121-1588
Phone:408-532-6348

Branch Office
1757 Technology Dr
San Jose, CA 95110-1322
Phone:408-436-9480

Corporate Office
Main Office

303 Twin Dolphin Dr
Redwood City, CA 94065-1497
Phone:650-508-0300

Provident Cu Alameda Branch
2250 S Shore Ctr Ste C
Alameda, CA 94501
Phone:800-632-4600

Provident Cu Belmont Branch
490 El Camino Real
Belmont, CA 94002
Phone:650-598-0716

(650) 508-7284

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  1. Credit Guide Staff
    Credit Guide Staff

    Last Updated on May 30, 2017

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