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

Introduction

Welcome to Provident, your trusted partner in financial growth and community support, located at 4937 Telegraph Ave Ste D, Oakland, CA 94609. Since opening our doors in 1950, we have been dedicated to fostering strong relationships with our 134,964 members while providing a wide range of services tailored to meet their unique needs. With total assets amounting to an impressive $3,510,110,738 and total deposits reaching $383,244,145, we are proud to be a stable and reliable choice for all your banking needs. At Provident, we believe in empowering our members by offering not just banking services but also valuable resources for personal and business financial management. Our total loans and leases stand at 50,665, reflecting our commitment to supporting both individual aspirations and local businesses. Under the leadership of our CEO, James Ernest, and Board President, June Rothe, our team of 332 employees is here to provide personalized service that makes a difference. While you can easily visit us at our Oakland branch for assistance or inquiries, please note that official correspondence should be sent to our mailing address at 303 Twin Dolphin Dr, Redwood City, CA 94065-1497. Join us as we continue to make a positive impact in our community. Whether you're looking for personal checking accounts, auto loans, or business financing solutions, we invite you to explore the many options available through Provident. For any questions or to learn more about how we can serve you better, don't hesitate to call us at 800-632-4600. Your journey towards financial wellness starts here!

Branch History & Mission

Community Focus

At Provident, we are more than just a credit union; we are an integral part of the Oakland community. We strive to support local initiatives and charitable organizations that make a positive impact on the lives of our neighbors. Whether it's through financial literacy programs or partnerships with local businesses, our goal is to uplift those around us. We also ensure our facilities are accessible to everyone. Our branch is designed with ADA compliance in mind so all members can visit us comfortably. If you need assistance or want to learn more about how we can help you achieve your financial goals, don't hesitate to reach out.

Join Us

While you can visit us at 4937 Telegraph Ave Ste D for in-person services during our operating hours Monday through Thursday from 9 AM to 5 PM, Friday from 9 AM to 6 PM, and Saturday from 9 AM to 2 PM you may also contact us at 800-632-4600 for any inquiries or support. If official correspondence is necessary, please use our mailing address: 303 Twin Dolphin Dr, Redwood City, CA 94065-1497. At Provident, we invite you to experience the benefits of being part of a member-focused credit union that values community support and financial empowerment. Join us today and take the first step towards a brighter financial future!

Our Journey

From humble beginnings, Provident has evolved into a trusted institution within Oakland and beyond. Our mission is clear: to empower individuals through personalized financial solutions while fostering a sense of community. We believe that everyone deserves access to quality banking services that meet their unique needs. Throughout our history, we have embraced innovation while maintaining our core values. We understand the importance of adapting to changing times, which is why we offer a range of digital banking services including online and mobile banking options for your convenience. Members can easily manage their accounts from anywhere, ensuring that your banking experience is as seamless as possible.

Branch Location & Accessibility

Nearby Landmarks and Accessibility

Our branch is close to popular spots like the bustling Temescal neighborhood and just a short drive from the scenic Lake Merritt. This prime location means you can take care of your banking and enjoy local attractions all in one trip! We offer ample parking for our members, ensuring easy access whether you're visiting us on foot or by car. Plus, we are committed to accessibility with features such as ADA-compliant ramps and entrances.

Operating Hours and Services

At Provident, we want to make your experience as convenient as possible. Our lobby hours are designed to fit into your busy schedule: we're open Monday through Thursday from 9 AM to 5 PM, Friday from 9 AM to 6 PM, and Saturday from 9 AM to 2 PM. Feel free to give us a call at 800-632-4600 if you have any questions about our services or wish to speak with one of our friendly staff members. We proudly offer a variety of financial services tailored for both personal and business needs. From checking and savings accounts to auto loans and mortgage refinancing, you'll find everything you need right here at Provident. We also have an ATM available for quick cash withdrawals and balance checks when you're on the go.

Visit Us Today!

We invite you to stop by our Oakland branch today! Our dedicated team is eager to assist you with all your financial needs. Whether you're looking for guidance on loans or simply want to discuss your banking options, we're here for you every step of the way. Come see us soon!

Member Eligibility

Becoming a member of Provident is like opening the door to a warm and welcoming community where your financial well-being is our top priority. If you're looking to join us at Provident, you'll be pleased to know that eligibility is straightforward and inclusive. Generally, anyone who lives, works, or worships in the local area, as well as their family members, can become part of our credit union family. This means that whether you're starting your first savings account or looking for a loan, you'll have access to personalized service and competitive rates designed just for you. To get started with your membership journey, feel free to visit us at our branch located at 4937 Telegraph Ave Ste D Oakland Ca 94609 or give us a call at (800) 632-4600. For detailed eligibility criteria, you can also check out this resource: . We are excited to help you take the next step toward achieving your financial goals!

Business Banking & Commercial Services

Merchant Services That Matter

Imagine the convenience of having a payment system that works just as hard as you do. Our merchant services provide seamless transaction processing that helps you manage cash flow effectively. Whether you're accepting payments online or in-store, our solutions simplify the process so you can focus on what really matters growing your business. Located at 4937 Telegraph Ave Ste D Oakland Ca 94609 in Oakland, CA, we're here to support your journey toward success. Call us at (800) 632-4600 to learn how we can help your business thrive!

Tailored Loan Options

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.

Comprehensive List Of Services

ATM Services

Need quick cash? We offer convenient ATM and cash withdrawal services, allowing you to access your funds easily whenever necessary. Our basic ATM access includes withdrawals and balance checks so that you stay informed about your finances on the go. At Provident, we're committed to making financial services accessible and straightforward for everyone in our community. If you're ready to explore how we can assist you further or if you have any questions, don't hesitate to reach out at (800) 632-4600 or visit us at our branch. Let us help you achieve your financial goals today!

Auto Loans & Vehicle Financing

Thinking about getting a new car? Our auto loans and vehicle financing options can help you hit the road without breaking the bank. With competitive rates and flexible terms, we're here to ensure you find the right fit for your budget.

Business Banking

Running a business comes with its own set of challenges. That's why we provide specialized business banking services, including merchant services and business loans. We're committed to helping you grow by providing the financial tools you need.

Credit Cards with Rewards

For those who love to earn as they spend, our credit cards with rewards let you enjoy benefits for everyday purchases. Whether it's cash back or travel rewards, we have options that will complement your spending habits.

Mortgage Loans & Refinancing

If buying a home or refinancing is in your plans, our team can guide you through the process with our comprehensive mortgage loans. We'll work closely with you to find a solution that fits your financial situation perfectly.

Online & Mobile Banking

In today's fast-paced world, convenience is key. With our online and mobile banking features, managing your accounts has never been easier. You can check balances, pay bills, and transfer money anytime from anywhere all from the palm of your hand.

Personal Banking

Whether you're opening your first checking account or planning for retirement, we offer personal banking options that cater to your lifestyle. Our checking and savings accounts make it easy to manage your daily finances while earning interest on your savings. We understand that life can be unpredictable, so we provide personal loans for those unexpected expenses and the chance to consolidate debt without stress.

Digital & Online Banking

Key Features

With our online banking, you can check your account balances, pay bills, and transfer funds all from the comfort of your own device. You can even authorize transactions with ease, thanks to our electronic signature authorization feature, which provides a safe way to sign important documents without needing to visit a branch. For those who prefer paperless options, e-statements are available, allowing you to keep track of your finances while helping the environment. You'll receive notifications when your statements are ready, so you're always in the loop.

Security First

We prioritize your security with top-notch encryption protocols and real-time monitoring. Our online banking services not only provide ease of use but also give you peace of mind knowing that your information is protected. In today's fast-paced world, having access to reliable digital banking solutions is essential. At Provident, we are committed to making banking accessible and straightforward for all our members. Join us today and experience the convenience of modern banking!

Stay Mobile

Our mobile application brings banking right to your fingertips. With just a few taps, you can make mobile payments, send money through person-to-person transfers, and manage all aspects of your account wherever you are. It's convenience like never before!

Financial Strength

Efficient Operations

Our operational efficiency is evident as reflected by our $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.

Growing Membership Base

Total Share and Deposit Accounts: 283,425, showing a strong and growing member base that trusts us with their finances. 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 4937 Telegraph Ave Ste D Oakland Ca 94609 or call (800) 632-4600 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.

Reinvestment for Growth

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 members' financial goals across various sectors with $13,697 in used auto loans and $2,598,460,252 in total loans and leases.

Secure Savings Opportunities

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.

Solid 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.

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 interested in financing a brand-new vehicle or a reliable used one, we have options for both that make the buying process easier and more affordable.

Business Financing

For business owners, our outstanding commercial loans totaling $294,797,182 provide the capital needed to grow and expand your ventures. We understand the unique challenges faced by small businesses and are here to support your growth with tailored financing solutions. Our offerings not only focus on helping you secure financing but also aim at simplifying your experience through refinancing options that may be available to you. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Explore how our loan products can fit into your financial strategy today!

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 rewards and benefits designed to make everyday purchases easier while giving you the flexibility you need.

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $128,082,130, making buying or refinancing simple. We offer various programs that can accommodate different financial situations. Be sure to ask about eligibility options to see how we can assist you on your journey toward owning a home.

Loan Aggregator

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How LendMesh Ensures Accurate 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 ensures that you receive fair and transparent offers that reflect current market conditions.

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