Provident Credit Union Dublin CA | Affordable Vehicle Loans & Business Banking

Introduction

Welcome to Provident, your trusted financial partner located at 2680 Dublin Blvd, Dublin, CA 94568. Established in 1950, our credit union has been dedicated to serving our community with a personal touch for over seven decades. With a robust membership of 134,964, we pride ourselves on being a welcoming space where every member is valued. At Provident, we have grown significantly, boasting total assets of $3,510,110,738 and total deposits reaching $383,244,145. Our commitment to your financial well-being is evident through our diverse offerings, including auto loans, mortgages, and business banking services. Currently, we manage an impressive total loan portfolio of 50,665, ensuring that you have the resources you need to thrive. Our leadership team is here to guide you. CEO James Ernest and Board President June Rothe prioritize transparency and community involvement, making decisions that benefit our members and the greater Dublin area. With a dedicated staff of 332 employees, we are ready to assist you in achieving your financial goals. While members can visit us at our branch for friendly service and support, official correspondence should be sent to the same address: 2680 Dublin Blvd, Dublin, CA 94568. Feel free to reach out at 925-875-0010 during our operating hours: 9 AM - 5 PM Monday through Thursday; 9 AM - 6 PM on Fridays; and 9 AM - 4 PM on Saturdays. Join us today at Provident as we continue to build a brighter future together! Visit our website at providentcu.org for more information or stop by our branch for personalized assistance. Your financial journey starts here!

Branch History & Mission

Commitment to Community

At Provident, we understand that our success is intertwined with the wellbeing of the community we serve. That's why we actively engage in outreach programs and partnerships designed to uplift those around us. Whether it's through educational workshops or local sponsorships, we're committed to making a positive impact. In addition to traditional banking services such as checking and savings accounts, auto loans, mortgages, and credit cards with rewards, we've embraced technology with online and mobile banking options. This ensures that our members can manage their finances conveniently and securely from anywhere.

Looking Ahead

We take pride in being ADA compliant and customer-centric, always looking for ways to enhance the member experience. With an ATM available at our branch and shared service center access, you can count on us for your banking needs whether you visit us during lobby hours 9 AM - 5 PM Monday through Thursday, 9 AM - 6 PM on Fridays, or 9 AM - 4 PM on Saturdays or connect digitally. While members can visit us at 2680 Dublin Blvd, official correspondence should be sent to the same address for clarity. Our dedicated team is just a phone call away at 925-875-0010, ready to assist you with any inquiries. As we continue this journey together, we invite you to join us at Provident. Experience firsthand how we can help you thrive financially while remaining deeply rooted in community values. Together, let's build a brighter future!

Our Journey

From our humble beginnings, Provident has evolved into a trusted financial institution that puts people first. Located at 2680 Dublin Blvd, just a stone's throw from the vibrant Dublin Plaza and other local landmarks, we are here not just to offer banking services but to build lasting relationships within our community. Our mission is simple yet profound: to empower our members to achieve their financial goals while fostering a spirit of community and support. We believe that everyone deserves access to quality financial services, and we strive to make that a reality for all who walk through our doors.

Branch Location & Accessibility

Welcome to the Provident branch, your trusted financial partner located at 2680 Dublin Blvd, Dublin, CA 94568. Our branch is conveniently situated in the heart of Dublin, making it easy for you to access our services. We're just a short drive from popular spots like the Dublin Heritage Park and Museum, ensuring that banking with us fits seamlessly into your day. At Provident, we prioritize accessibility. Our branch features ADA-compliant entrances and ramps, so everyone can feel welcome when they visit. Parking is plentiful and easily accessible right outside the door, making your experience smooth from start to finish. We know your time is valuable, which is why our operating hours are designed to meet your needs: we're open from 9 AM to 5 PM Monday through Thursday, 9 AM to 6 PM on Friday, and 9 AM to 4 PM on Saturday. Whether you're stopping by for personal banking services or exploring options for auto loans and mortgages, our friendly staff is here to assist you. In addition to our welcoming lobby, we also offer ATM services for your convenience. While we don't have drive-thru banking available at this location, we do provide shared services for basic transactions such as deposits and withdrawals for members of partner credit unions. If you have any questions or need assistance, don't hesitate to give us a call at 925-875-0010. We invite you to stop by and discover how Provident can support your financial journey!

Member Eligibility

Joining the Provident family means stepping into a community that truly cares about your financial well-being. At our branch located at 2680 Dublin Blvd, Dublin, CA 94568, becoming a member is easier than you might think! If you live, work, worship, or go to school in Alameda County, you're already eligible to enjoy the many benefits we offer. Plus, we welcome family members of existing members as well. This means more than just access to fantastic financial products; it's about being part of a supportive network that prioritizes your goals and aspirations. Ready to get started? Opening an account is a breeze! Just visit us in person or give us a call at 925-875-0010 during our operating hours. For more detailed information on eligibility criteria and what it means to be a member, feel free to check out our website at Provident Credit Union. We're excited to help you take this important step toward better financial health!

Business Banking & Commercial Services

Business Loans that Fuel 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. This funding has empowered local entrepreneurs to hire new staff, invest in equipment, and expand their operations. Imagine transforming your ideas into reality with the right financial backing.

Merchant Services that Simplify Operations

In addition to loans, we provide essential merchant services designed to streamline your daily operations. From secure payment processing to easy online invoicing, our tools help you focus on what matters most growing your business. With reliable support and accessible resources at 2680 Dublin Blvd Dublin Ca 94568, Dublin, CA, you can navigate the complexities of running a business more easily. Join us at Provident and experience how we can help your business thrive. Call us today at (925) 875-0010 to learn more about our services!

Comprehensive List Of Services

Business Banking Support

If you're an entrepreneur or business owner, Provident has you covered with robust business banking services. From merchant services that help you accept payments easily to business loans that can fuel growth and expansion, we are committed to supporting local businesses in achieving their goals.

Convenience at Your Fingertips

In today's fast-paced world, convenience matters. That's why we offer ATM and cash withdrawal services for quick access to your funds when you need them most. Our shared branch transactions allow members of partner credit unions to deposit and withdraw funds seamlessly.

Credit Cards with Rewards

For everyday spending, consider our credit cards with rewards. Enjoy benefits that fit your lifestyle while earning points for purchases you already make. Whether it's groceries or travel expenses, these rewards can add up quickly.

Join Us Today!

Our commitment extends beyond just providing financial products; we aim to build lasting relationships with our members. If you're interested in exploring any of these services or have questions about how we can assist you further, don't hesitate to reach out! Call us at (925) 875-0010 or visit us at 2680 Dublin Blvd Dublin Ca 94568 in Dublin, CA. Experience the difference at Provident where your financial success is our priority!

Mortgage and Personal Loans

Are you dreaming of owning your own home? Our mortgage loans and refinancing options make that dream attainable. Whether you're a first-time buyer or looking to refinance an existing mortgage for better rates, we are here to guide you every step of the way. Additionally, if you're facing unexpected expenses or need to consolidate debt, our personal loans can provide the support you need.

Personal Banking Solutions

When it comes to personal banking, we offer checking and savings accounts tailored to fit your lifestyle. Imagine having easy access to your funds through our online and mobile banking platforms. You can check your balance, transfer money, and even make deposits from the comfort of your home. For those looking to finance a vehicle, our auto loans and vehicle financing options are designed to help you get behind the wheel without breaking the bank.

Digital & Online Banking

Key Features

One of the standout features of our online services is the ability to sign documents electronically through our Electronic Signature Authorization. This allows you to complete transactions securely without needing to visit the branch physically. Plus, our E-Statements provide a convenient way to manage your financial statements digitally, cutting down on paper clutter while keeping everything organized. For those on the go, our mobile application makes it easy to handle all your banking needs right from your smartphone. You can enjoy mobile payments, allowing you to pay for goods and services with just a tap, making shopping hassle-free. And if you need to send money quickly to friends or family, our Person-to-Person Transfers feature lets you do just that in real time. At Provident, we prioritize your security. Our systems are built with robust safety measures so you can bank online with confidence. Whether you're at home or out and about, rest assured that your personal information is well protected. Experience the freedom of managing your finances at any time with our comprehensive digital banking services. Join us today at https://providentcu.org/ and take control of your financial future!

Financial Strength

Growing Together

Total Share and Deposit Accounts stand at 283,425, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments) amount to $6,101,921, which further emphasizes our dedication to fulfilling your financial needs. 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 2680 Dublin Blvd Dublin Ca 94568 or call (925) 875-0010 to learn more about how we can help you achieve your financial goals.

Member Savings Protection

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.

Our Financial Health

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.

Reinvestment for Improvement

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. This allows us to continually improve our services while keeping your interests at heart.

Support for Your Goals

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. This ensures we have the resources available when you need them most. Our $0 reflects our operational efficiency, 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.

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. We provide flexible terms and competitive interest rates that make financing your dream vehicle easier than ever.

Business Loans

For business owners, our outstanding commercial loans totaling $294,797,182 provide the capital needed to grow and expand. We know that running a business comes with its own set of challenges and opportunities; our team is dedicated to offering solutions that help you succeed.

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. Whether you're a first-time homebuyer or looking to refinance your current mortgage, our team is here to guide you through the process every step of the way.

Refinancing Options

If you're considering refinancing any existing loans or exploring eligibility options for our various products, please reach out. We're here to discuss how we can make your financial journey smoother and more affordable. Our branch is conveniently located at 2680 Dublin Blvd, Dublin CA 94568, and you can reach us at 925-875-0010 during our operating hours: Monday through Thursday from 9 AM - 5 PM, Friday from 9 AM - 6 PM, and Saturday from 9 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. Let us help you take the next step toward your financial future!

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. These credit cards are designed to fit your lifestyle and offer rewards that can benefit you while keeping your spending manageable.

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PROVIDENT CREDIT UNION