Provident Credit Union Dover DE | Best Auto Loans & Business Banking

Introduction

Welcome to Provident, where your financial well-being is our top priority! Located at 401 S New St, Dover, DE 19904, we have been serving our community since 1964. With a strong commitment to providing reliable banking solutions, we proudly support over 1,658 members with a wide range of services tailored to meet your needs. At Provident, we understand that managing your finances can be challenging. That's why we offer personal banking options like checking and savings accounts, as well as loans for vehicles and homes. Our total assets stand at an impressive $11,805,597, ensuring that we are well-equipped to support your financial journey. You can rest easy knowing that your deposits, totaling $1,250,850, are safe with us. Led by our dedicated CEO, Francine Wilson, and Board President William Hill, our team of 6 employees is here to provide you with personalized service. We're not just about numbers; we're about building relationships and making a positive impact in the Dover community. We invite you to visit us during our operating hours from Monday through Friday, 8 AM to 4 PM. If you prefer to reach out first, feel free to call us at 302-734-1133 or send a fax to 302-734-2683. While members can visit us at our branch address for everyday banking needs, any official correspondence should be sent to the same address: 401 S New Street, Dover, DE 19904. Discover how Provident can help you achieve your financial goals today! Whether you're looking for loans or simple banking services, we're ready to assist you every step of the way. For more information about our services or to become a member, check out our website at providentfcu.com. Join us and experience the difference that comes with being part of the Provident family!

Branch History & Mission

Join Us

As we continue on this journey together, we invite you to become a part of the Provident family. Experience firsthand how our services can make a difference in your life. Reach out today at 302-734-1133 or explore more about membership options on our website at providentfcu.com. Let's build a brighter financial future together!

Mission Statement

At the core of Provident's mission is a dedication to fostering financial well-being within our community. We believe that everyone deserves access to quality financial resources that empower them to achieve their goals. Our team works tirelessly to provide not just financial products but also guidance and support tailored to each member's unique situation. We are more than just a credit union; we are your neighbors and partners in success. Through various outreach programs and partnerships with local organizations, we strive to uplift those around us while ensuring that every member feels valued and understood. While members can visit us at 401 S New St for all their banking needs, official correspondence should be directed to our mailing address: 401 S New Street, Dover, DE 19904.

Our Evolution

Since opening our doors nearly six decades ago, we have continually adapted to meet the needs of our members. As technology advanced, so did we. Today, members can enjoy online banking services that allow them to manage their finances from anywhere. While we do not currently offer ATM services at this branch, our drive-thru facility ensures that essential banking transactions remain convenient and efficient. Our commitment to accessibility extends beyond our operating hours Monday through Friday from 8 AM to 4 PM to include various customer-centric initiatives designed with you in mind. Whether you are looking for personal banking solutions like checking and savings accounts or need assistance with auto loans and mortgages, we are here to help.

Branch Location & Accessibility

Banking Made Easy

At Provident, we understand that your time is valuable. That's why we offer drive-thru banking services for quick transactions like deposits and withdrawals. Our lobby hours are designed to fit your busy schedule; we're open Monday through Friday from 8 AM to 4 PM. Whether you're looking to open a new checking account or explore our loan options including auto loans and mortgages our dedicated staff is ready to assist you.

Convenient Access and Nearby Landmarks

Finding us is easy! We're situated near key landmarks that make your visit even more convenient. Whether you're coming from downtown or nearby neighborhoods, our branch is accessible and welcoming. With ample parking available right outside the door, you can park with ease and head straight in. For those who may need assistance, our branch is fully ADA compliant, featuring ramps and other accessibility features to ensure everyone feels welcome.

Stay Connected

If you have questions or need assistance before your visit, don't hesitate to give us a call at 302-734-1133. We're here to help you navigate your financial journey with ease. We invite you to stop by and experience the personalized service that makes Provident Credit Union a trusted choice in the community. We look forward to welcoming you soon!

Member Eligibility

At Provident, we believe that everyone deserves a supportive community to help them achieve their financial goals. Becoming a member is easy and welcoming! If you live, work, or worship in our local area, you can join us and start enjoying the benefits of membership. We proudly serve anyone who meets these simple criteria, making it a breeze to become part of our family. Not only do you gain access to competitive rates on loans and savings accounts, but you also join a community that cares about your financial well-being. To get started on your journey with Provident, simply visit us at our branch located at 401 S New St Dover De 19904 or give us a call at (302) 734-1133 for more information. For detailed eligibility requirements, check out our website at https://www.providentfcu.com/membership/ . When you're ready to open an account, you can easily do so online by visiting https://providentfcu-dn.financial-net.com/web . We can't wait to welcome you!

Business Banking & Commercial Services

Merchant Services That Matter

Beyond loans, we offer merchant services that simplify transactions and enhance customer experiences. Imagine having the tools to accept payments easily, whether online or in-store. Our services help you streamline operations so you can focus on what truly matters: running your business. Visit us at 401 S New St Dover De 19904 in Dover, DE or call us at (302) 734-1133 to learn how we can support your business journey today!

Tailored Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $0 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $0, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

Business Banking Services

For small business owners, we have specialized business banking solutions, including merchant services and business loans. We understand that running a business comes with its own set of challenges, and we're committed to providing the support needed for growth and success.

Convenient Access

To make banking even easier for you, we offer essential services like ATM access, although we currently do not have ATMs at this branch. However, our drive-thru banking allows for quick deposits, withdrawals, and other simple transactions without leaving your car perfect for busy days! In today's fast-paced world, having control over your finances shouldn't be complicated. With features like e-statements and secure online access through our website at https://www.providentfcu.com/, managing your money has never been easier. Whether you're looking for personal finance solutions or business support, Provident is here for you. Visit us today at 401 S New St Dover De 19904, call us at (302) 734-1133, or check out more on our website! Your financial wellness journey starts here!

Home Ownership Support

Thinking about buying your first home? Our mortgage loans and refinancing services can help make that dream a reality. Whether you're looking for a fixed-rate mortgage or exploring refinancing options to lower your monthly payments, we're here to assist you every step of the way.

Personal Banking Solutions

For those looking to manage their day-to-day finances, we offer a variety of personal banking options. Our checking and savings accounts are designed to fit different lifestyles, whether you're saving for a dream vacation or managing daily expenses. Imagine being able to track your spending and savings easily through our online and mobile banking platforms. You can access your accounts anytime, anywhere, making it convenient to keep an eye on your finances.

Personal Loans

Life can throw unexpected expenses your way. With our personal loans and debt consolidation options, you can tackle those challenges head-on without added stress. Whether it's for home repairs or consolidating credit card debt, our team will work with you to find the best solution tailored to your situation.

Rewarding Credit Options

Don't forget about our credit cards with rewards! These cards not only give you purchasing power but also allow you to earn rewards on everyday purchases. Imagine earning points towards travel or shopping just by using your card for regular expenses!

Vehicle Financing

If you're in the market for a new car or just need a reliable vehicle, our auto loans and vehicle financing options make purchasing your next ride straightforward and affordable. We understand that buying a car is a big decision, which is why we offer competitive rates and personalized service to guide you through the process.

Digital & Online Banking

Key Features for Your Convenience

Our online banking platform provides you with real-time access to your accounts, allowing you to check balances, view transaction history, and transfer funds all from the comfort of your home or on the go. Plus, with our mobile application, available for download, banking has never been more accessible. Need to sign important documents? Our electronic signature authorization feature lets you handle paperwork quickly and securely without needing to visit a branch. Additionally, e-statements are available, giving you a paperless way to stay updated on your account activity while helping the environment.

Security and Ease of Use

We prioritize your security and peace of mind. Our online services are designed with robust security measures to protect your personal information. You can feel confident knowing that your transactions are safe with us. If you're looking to send money easily, our person-to-person transfer option makes it simple though currently unavailable at Provident, we are continuously working on enhancing our service offerings. Whether you're making mobile payments or simply checking your balance, you'll find that our digital tools are user-friendly and built with you in mind. Join us at Provident to experience the convenience of modern banking today!

Financial Strength

Committed Team

We also take pride in having 5 full-time employees and 1 part-time employees ready to serve you with knowledge and dedication. Our team is committed to providing personalized service because we believe that banking should be about relationships.

Growing Member Base

Total Share Accounts stand at 2,312, showcasing a strong and growing member base that trusts us with their finances. This trust inspires us to work harder every day to ensure your financial well-being. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Provident is your trusted partner. Visit us at 401 S New St Dover De 19904 or call (302) 734-1133 to learn more about how we can help you achieve your financial goals.

Lending Capacity

Our lending capacity supports your financial goals across various sectors. We currently have $124 in used auto loans and $5,246,604 in total loans and leases available for our members. Additionally, our operational efficiency is highlighted by a net income of $0, which empowers us to continue offering competitive loan rates and solid financial products for all.

Prioritizing Our Members

Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks. We also take pride in having $1,214,803 in undivided earnings that we reinvest into innovative banking tools and stronger lending options to serve our members better.

Secure Savings Opportunities

Members' savings are secured through $984,138 in share certificates, offering stable and rewarding financial growth opportunities. While we do not have any money market shares at this time, our focus remains on maximizing the benefits for our members through safe investment options.

Strong Financial Health

With a net worth of $1,663,337, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. This commitment to our members is reflected in our net worth ratio of $1,405, which demonstrates a solid capital foundation. This ensures that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $1,764,067 in used vehicle loans and $1,231,469 in new vehicle loans already helping members get on the road. We cater to both new and used vehicles, ensuring that you have flexible options that suit your budget.

Business Financing

For business owners, our outstanding commercial loans provide the capital needed to grow and expand. While currently we do not have commercial loans available at this branch, we are committed to supporting local businesses as opportunities arise. At Provident, we strive to make lending accessible and straightforward. We encourage you to explore refinancing options if you're looking to adjust your current loans for better terms or lower payments. If you're interested in any of our loan offerings or want more details about eligibility criteria, please feel free to contact us at (302) 734-1133. Our friendly staff is here to assist you during our operating hours: Monday through Friday from 8 AM - 4 PM. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Visit us today at 401 S New St Dover De 19904 in Dover, DE, or check out our website at https://www.providentfcu.com/ for more information on how we can help you meet your financial needs!

Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $385,616 in loans helping members manage their finances effectively. These cards come with competitive rates and benefits tailored to fit your lifestyle.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $0, make buying or refinancing simple. Whether you're a first-time buyer or looking to refinance an existing mortgage, our dedicated team is here to guide you through the process.

Loan Aggregator

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Ensuring Accurate Loan Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov ). This guarantees that the offers displayed are fair and transparent. Each loan comparison is built on verified data from legitimate financial institutions, so users can trust that the information they receive is both current and accurate.

PROVIDENT FEDERAL CREDIT UNION