Provident Credit Union Alameda CA | Best Auto Loans & Business Banking

Introduction

Welcome to Provident Cu Alameda Branch, where your financial well-being is our top priority! Located at 2250 S Shore Ctr Ste C, Alameda, CA 94501, we have proudly served our community since 1950. With a commitment to fostering strong relationships and building trust, we are dedicated to providing exceptional service to our 134,964 members. At Provident, we understand that each member's financial journey is unique. That's why we offer a wide array of services tailored to meet your needs, including checking and savings accounts, auto loans, mortgage loans, personal loans, and business banking solutions. Our total assets stand impressively at $3,510,110,738, reflecting our solid foundation and the trust you've placed in us. Our leadership team is equally committed to your satisfaction. Under the guidance of CEO James Ernest and Board President June Rothe, we work tirelessly to ensure that every member feels valued and supported. With 332 employees ready to assist you, we are here for you during our operating hours: Monday through Friday from 9:30 AM to 6:00 PM and Saturday from 9:00 AM to 4:00 PM. While members can visit us at our branch address for in-person assistance, official correspondence should be directed to our mailing address at 2250 South Shore Center Dr. Suite C, Alameda, CA 94501 if it's different from your visit location. With total deposits amounting to $383,244,145 and a net worth of $360,706,481, we're not just a credit union; we're a pillar of the community focused on helping you achieve your financial goals. Whether you're looking for a loan or simply want advice on managing your finances better, we're here for you! We invite you to explore all that we have to offer by visiting our website at providentcu.org or calling us directly at 510-523-1514. Let's embark on this journey together your success is our mission!

Branch History & Mission

Community Engagement

We are more than just a credit union; we are part of the fabric of Alameda. Our partnerships with local organizations allow us to reach out and make a real difference through various community initiatives. From financial education workshops to charitable contributions, we focus on fostering a sense of belonging and support within our neighborhoods. In keeping pace with modern needs, Provident offers online and mobile banking options for convenient access to your accounts anytime, anywhere. We prioritize accessibility and strive to be ADA compliant so that all members can benefit from our services without barriers.

Join Us

As we continue on this journey of growth and service since 1950, we invite you to join the Provident family. Experience firsthand the dedication and benefits that come with being a member of our credit union. Together, let's build a stronger community with financial empowerment at its core. For any inquiries or assistance, feel free to reach out at (510) 523-1514 or visit us during our operating hours: Monday through Friday from 9:30 AM to 6:00 PM and Saturday from 9:00 AM to 4:00 PM. We look forward to serving you!

Our Mission

At the heart of Provident's mission is a commitment to empower individuals and families through accessible financial solutions. We strive to provide quality banking services while actively participating in community development. We believe that by supporting our members financially, we also uplift the communities around us. Whether it's offering competitive loans or facilitating basic banking transactions, our goal is to make financial well-being achievable for everyone. While you can visit us at 2250 S Shore Center Ste C, for official correspondence please send your mail to 2250 South Shore Center Dr. Suite C, Alameda, CA 94501 if different.

Branch Location & Accessibility

Accessibility Features

At Provident Cu Alameda Branch, we prioritize accessibility for all members. Our facility is ADA compliant and equipped with ramps to ensure everyone can visit us comfortably. We aim to create a welcoming environment where all members feel at home.

Conveniently Located

Our branch is easily accessible and close to several local landmarks. Whether you're visiting us after a day at the nearby South Shore Center or stopping by after picking up groceries from the local market, we're here to serve you. Parking is available right outside our entrance, making it easy for you to pop in and take care of your banking needs.

Operating Hours

We understand that life can be busy! That's why our lobby hours are designed with your schedule in mind. We're open Monday through Friday from 9:30 AM to 6:00 PM and Saturday from 9:00 AM to 4:00 PM. Whether you're coming in for personal banking services or simply have questions about your accounts, we're here to assist you during these hours.

Reach Out Today!

If you have any questions or want more information about what we offer, don't hesitate to give us a call at 510-523-1514. We invite you to visit us soon and discover how Provident Cu Alameda Branch can support your financial journey!

Services Offered

At our branch, we offer a wide range of services tailored to meet your financial needs. From checking and savings accounts to auto loans and mortgage refinancing, our knowledgeable staff is ready to help you every step of the way. Plus, with ATM availability on-site, you can access your cash when you need it most! As an added benefit, we also participate in shared services with other credit unions. This means that if you're a member of one of our partner credit unions, you can conduct basic transactions like deposits and withdrawals right here at our location.

Member Eligibility

Joining the Provident community at our Alameda branch is a wonderful step towards better financial wellness and support. To become a member of Provident, you'll need to meet some simple eligibility criteria that make it easy for you to join us. Typically, we welcome anyone who lives, works, worships, or attends school in Alameda County. This means that if you're part of our vibrant local community, you're likely already eligible! Becoming a member not only grants you access to our wide range of services like personal banking options, auto loans, and credit cards with rewards but it also opens the door to a supportive network that's dedicated to helping you achieve your financial goals. Ready to get started? Opening an account at Provident is straightforward! You can find more detailed information about eligibility by visiting this link or give us a call at (510) 523-1514. Our friendly team is here to assist you every step of the way. We look forward to welcoming you into the Provident family at our conveniently located branch at 2250 S Shore Ctr Ste C Alameda Ca 94501!

Business Banking & Commercial Services

Lending That Fuels Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $247 in commercial loans for our members, helping businesses scale and succeed. - With an outstanding commercial loan portfolio of $294,797,182, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services for Everyday Success

In addition to loans, we offer merchant services designed to simplify daily transactions. Imagine easily accepting payments from customers, whether they prefer credit cards or mobile payments. Our tools help streamline your operations, allowing you to focus on what matters most growing your business. Visit us at 2250 S Shore Ctr Ste C Alameda Ca 94501 in Alameda, CA or call us at (510) 523-1514 to learn how our business banking and commercial services can support your goals. Let's work together to make your business dreams a reality!

Comprehensive List Of Services

ATM & Cash Withdrawal Services

We also provide access to ATMs for cash withdrawals and balance checks without hassle. With our network of ATMs and shared branch transactions for partner credit union members, getting cash when you need it has never been easier. At Provident, located at 2250 S Shore Ctr Ste C Alameda Ca 94501, we pride ourselves on being more than just a financial institution; we are part of the community in Alameda. If you're interested in learning more about how our services can benefit you or if you have any questions, feel free to reach out to us at (510) 523-1514 during our operating hours: Monday through Friday from 9:30 AM to 6:00 PM and Saturday from 9 AM to 4 PM. Join us today at Provident Cu Alameda Branch, where your financial needs come first!

Auto Loans & Vehicle Financing

If you're thinking about buying a new vehicle, explore our auto loans and vehicle financing options. We understand that purchasing a car is a significant investment, and our friendly team is here to guide you through the process, ensuring you find the right loan that fits your budget.

Business Services

For local entrepreneurs, we offer comprehensive business banking solutions, including merchant services and business loans. We believe in supporting small businesses because they are the backbone of our community.

Home Financing

Owning a home is an important milestone for many people. At Provident, we offer mortgage loans and refinancing options to help make your dream of homeownership a reality. Our mortgage specialists are ready to answer any questions and help you navigate through the available choices.

Online & Mobile Banking

In today's fast-paced world, convenience is key. That's why we have robust online and mobile banking features that allow you to manage your accounts anytime, anywhere. You can easily check balances, transfer funds, and pay bills from the comfort of your home or on-the-go.

Personal Banking

Managing your money should be straightforward and stress-free. That's why we offer various personal banking options, including checking and savings accounts designed for everyday needs. Need help with your finances? Our personal loans and debt consolidation services can assist you in achieving your financial goals. We also provide credit cards with rewards, allowing you to earn while you spend.

Digital & Online Banking

Key Services Available

With 24/7 online banking services, you can check your account balances, make transfers, and pay bills whenever it suits you. Our platform also allows for electronic signature authorization, making transactions quicker and easier than ever. Plus, with the option of e-statements, you'll receive your financial statements directly in your inbox no more waiting for the mail! If you prefer to bank on your mobile device, our mobile application provides all the features you need right at your fingertips. You can manage your accounts, deposit checks through mobile capture, and even make person-to-person transfers with just a few taps. And for those who enjoy using their smartphone to make purchases, our mobile payments feature makes transactions hassle-free.

Security You Can Trust

At Provident, we prioritize your security. Our online banking system employs advanced security measures to keep your information safe while providing an easy-to-navigate experience. You can rest assured that whether you're logging in from a desktop or a mobile device, your data is protected. In short, our digital and online banking services give you the freedom to manage your money easily and securely. Explore everything we have to offer by visiting us online at https://providentcu.org/ today!

Financial Strength

Growing Trust

Total Share Accounts: 283,425, showing a strong and growing member base that trusts us with their finances. Additionally, Net Shares (Funds available for lending and investments): $6,101,921. 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 2250 S Shore Ctr Ste C Alameda Ca 94501 or call (510) 523-1514 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings Options

Members' savings are secured through $1,025,310,621 in share certificates and $313,484,704 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $250,000,000, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our commitment to operational efficiency is reflected in our net income of $0, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 314 full-time employees and 18 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Reinvesting for Better Services

With $359,049,329 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity supports your financial goals across various sectors, with $13,697 in used auto loans and $2,598,460,252 in total loans and leases.

Strong Financial Position

With a net worth of $360,706,481, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,027 demonstrates a solid capital foundation, ensuring 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 $227,157,965 in used vehicle loans and $84,156,509 in new vehicle loans already helping members get on the road. Whether you're considering a brand-new model or a reliable pre-owned vehicle, we have flexible options tailored for you.

Business Financing

For business owners, our outstanding commercial loans totaling $294,797,182 provide the capital needed to grow and expand. We understand the challenges businesses face and are here to support your entrepreneurial journey with financing solutions that work for you.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $128,082,130, make buying or refinancing simple. We guide you through the process, ensuring you find a mortgage solution that fits your budget and lifestyle.

Refinancing Options

If you're looking to lower your monthly payments or streamline your finances, we also provide refinancing options across our loan products. This can help you save money while managing your existing debts more effectively. All performance insights and financial data presented are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. At Provident, we're committed to helping you navigate your financial journey with confidence. Reach out today to learn more about how our loan products can fit into your plans!

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $44,004,033 in loans helping members manage their finances effectively. Our credit cards come with features designed to give you control over your spending while earning rewards along the way.

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 commitment ensures that users receive fair and transparent offers tailored to their needs.

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