Provident Credit Union Palo Alto CA | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Provident, your trusted partner in financial growth and security. Located at 2390 El Camino Real Ste 110, Palo Alto, CA 94306, we have been serving our community since 1950 with a commitment to provide exceptional banking services tailored to your needs. With over 134,000 members, we pride ourselves on fostering strong relationships while offering a wide range of financial products. At Provident, we understand the importance of sound financial management. That's why our total assets stand at an impressive $3,510,110,738. We are dedicated to helping you achieve your financial goals with resources that include personal banking services like checking and savings accounts, auto loans, mortgages, and credit cards with rewards. Our experienced team is led by CEO James Ernest and Board President June Rothe, who ensure that we remain focused on our mission of enhancing the financial well-being of our members. With a robust net worth of $360,706,481 and total deposits reaching $383,244,145, you can trust that your money is safe and secure with us. Whether you're looking for a new vehicle or planning for the future with a mortgage or personal loan, we have options designed just for you. Our total loans currently amount to 50,665, demonstrating our commitment to supporting our members' aspirations. While you can visit us at our branch location for all your banking needs, if you need to send official correspondence, please use the mailing address: 2390 El Camino Real #110, Palo Alto, CA 94306. We invite you to explore how Provident can help empower your financial journey. Feel free to reach out via phone at (650) 320-1521 or visit our website at providentcu.org. Together, let's build a brighter financial future!

Branch History & Mission

Join Us

As we continue on this journey together, we invite you to become a part of the Provident family. Experience the difference of a credit union that prioritizes your needs and invests in the future of our community. Visit us today or call us at 650-320-1521 for more information on how you can join us in making a positive impact. With Provident by your side, you're not just another member; you're part of something bigger a movement toward greater financial freedom and community strength.

Our Journey

From our humble beginnings, Provident has evolved significantly. Located at 2390 El Camino Real Ste 110, Palo Alto, CA 94306, we have become a staple in the community. Over the decades, we've embraced changes in technology while remaining grounded in our core values of trust, service, and support. Our journey has been marked by key milestones such as expanding our range of services to include personal banking, auto loans, mortgages, and business banking. While members can visit us at our physical location for personalized service during our operating hours Monday through Thursday from 9:00 AM to 5:00 PM, Friday from 9:00 AM to 6:00 PM, and Saturday from 9:00 AM to 2:00 PM our digital advancements ensure that convenience is always within reach. Members can access online and mobile banking services for seamless transactions anytime and anywhere.

Our Mission

Our mission at Provident is simple yet profound: to provide exceptional financial services while fostering a spirit of community support. We understand that financial wellness goes beyond mere numbers; it's about building relationships that matter. We strive to empower our members through education and resources that promote sound financial decisions. In addition to personal finance solutions like checking and savings accounts, auto loans, and credit cards with rewards, we also emphasize community outreach initiatives. We believe in giving back whether through partnerships with local organizations or programs designed to uplift those around us.

Branch Location & Accessibility

Welcome to Provident, your friendly financial partner located conveniently at 2390 El Camino Real Ste 110 Palo Alto Ca 94306 in beautiful Palo Alto, CA. Nestled along El Camino Real, we're just a stone's throw from local favorites like the Stanford Shopping Center and the vibrant downtown area, making it easy for you to stop by while you run errands or enjoy a day out. Our branch is designed with accessibility in mind, ensuring that everyone can visit us comfortably. You'll find ample parking available right outside our doors, as well as ADA-compliant features to assist those who may need a little extra help getting in. Whether you're visiting for personal banking needs or to inquire about our business services, we strive to create a welcoming atmosphere for all. At Provident, we understand that your time is valuable. That's why we offer flexible operating hours: Monday through Thursday from 9:00 AM to 5:00 PM, Friday from 9:00 AM to 6:00 PM, and Saturday from 9:00 AM to 2:00 PM. This way, you can choose a time that best fits your schedule. If you have questions or need assistance, don't hesitate to reach out at (650) 320-1521 our team is always ready to help! For your convenience, we also provide ATM services on-site, ensuring that cash withdrawals and balance checks are quick and easy during your visit. While we currently do not have drive-thru banking available, our shared service center offers basic transactions for members of partner credit unions, so you can take care of your banking needs without any hassle. We invite you to come see us at Provident! Whether you're looking to open an account, apply for a loan, or simply chat about your financial goals, we're here for you every step of the way. Visit us soon!

Member Eligibility

At Provident, we believe that becoming a member is like joining a family where everyone looks out for one another. If you're wondering how to become part of our community, it's easier than you might think! Our membership is open to individuals who live, work, or attend school in the areas we serve. This means that if you're part of our vibrant Palo Alto community at 2390 El Camino Real Ste 110 Palo Alto Ca 94306, you're likely eligible to join us. By becoming a member, you gain access to not just banking services but also a network of support and benefits tailored to your needs. To get started on your journey with us, simply reach out at (650) 320-1521 or check out the detailed eligibility criteria on our website at . We're here to guide you through the process of opening an account and making the most of what Provident has to offer. Join us today and discover how being a member can enrich your financial experience!

Business Banking & Commercial Services

Business 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. Imagine needing a quick cash influx to purchase new equipment or cover operational costs during a busy season. Our loans can provide that vital support, allowing you to focus on what you do best running your business.

Merchant Services

In addition to loans, we offer merchant services designed to simplify transactions and enhance customer experiences. Picture this: you're at a bustling event, and customers want to buy your products. With our merchant services, accepting payments becomes effortless, whether they're using cards or mobile payments. If you're ready to take your business further, visit us at 2390 El Camino Real Ste 110 Palo Alto Ca 94306 in Palo Alto, CA or call us at (650) 320-1521. Let's work together to turn your vision into reality!

Comprehensive List Of Services

Business Solutions

For entrepreneurs and businesses, our business banking services, including merchant services and business loans, help you manage and grow your operations effectively. We understand that every business is different, which is why we tailor our solutions to fit your specific requirements.

Convenient Banking Tools

In today's fast-paced world, convenience matters. That's why at Branch Office, we offer robust online and mobile banking features. You can easily check balances, transfer funds, and pay bills from anywhere at any time. Plus, with our ATM services available for cash withdrawals and balance checks, accessing your money has never been easier.

Credit Options

Looking to earn rewards while you spend? Our credit cards with rewards provide an excellent way to make everyday purchases work for you. Enjoy benefits like cash back or points towards future travel.

Home Financing

When it comes to securing your dream home, our mortgage loans and refinancing solutions are tailored to meet your unique needs. Our knowledgeable staff is here to guide you through the process, ensuring you find the right mortgage option that fits your budget.

Personal Banking

For individuals and families, we offer a range of personal banking options designed with your lifestyle in mind. Our checking and savings accounts provide flexibility for managing your day-to-day finances. If you're considering purchasing a new vehicle, our auto loans and vehicle financing options can help you hit the road without breaking the bank. We also understand that life can be unpredictable; that's why we offer personal loans for debt consolidation or unexpected expenses.

Shared Branching Services

If you're a member of another credit union, you'll appreciate our basic shared branch transactions allowing deposits and withdrawals with partner credit unions. This means even if you're traveling or away from home, you can still manage your finances effortlessly. At Provident, we're more than just a financial institution; we're a community partner committed to helping you achieve financial well-being. If you have questions about any of our services or want to learn more about how we can support your financial journey, feel free to give us a call at (650) 320-1521 or visit us today!

Digital & Online Banking

Convenient Online Banking

With our 24/7 online banking services, you can check your balance, transfer funds, and pay bills from the comfort of your home or on the go. Just visit us at https://providentcu.org/ to get started. Our platform is user-friendly, making it easy for everyone to navigate their financial activities without any hassle.

Easy Money Transfers

Need to send money to a friend or family member? Our person-to-person transfer option makes it easy and quick. You can send funds directly through our mobile application no need for cash or checks.

Mobile Application Access

Our mobile application lets you manage your accounts on the go. Whether you're checking balances or making payments, everything is just a tap away. Download it today and experience the convenience for yourself. At Provident, we're committed to providing accessible and efficient banking solutions tailored for your lifestyle. Join us today and take advantage of these innovative services that put you in control of your finances!

Secure Transactions

We prioritize your security with features like electronic signature authorization. This means you can complete important transactions safely from your device, giving you peace of mind that your information is protected. Plus, our mobile payments feature allows you to make purchases directly from your phone quickly and securely.

Stay Updated with E-Statements

Say goodbye to paper clutter! With e-statements available, you can receive your account statements electronically, ensuring you always have access to your financial information in one convenient place. This not only saves trees but also helps you stay organized.

Financial Strength

Commitment to Service

Our operational efficiency is reflected in our $0, which enables 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 who are always ready to serve you with a knowledgeable, committed team.

Growing Membership Base

With a total of 283,425 accounts, we have a strong and growing member base that trusts us with their finances. Our available funds for lending and investments stand at $6,101,921, showcasing our commitment to supporting your financial journey. 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 2390 El Camino Real Ste 110 Palo Alto Ca 94306 or call (650) 320-1521 to learn more about how we can help you achieve your financial goals.

Member-Focused Savings

Your savings are secure with us! We hold $1,025,310,621 in share certificates and $313,484,704 in money market shares, providing stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits totaling $250,000,000, our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Reinvestment for Growth

We believe in investing back into our community. 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. Additionally, with $13,697 in used auto loans and $2,598,460,252 in total loans and leases, our lending capacity supports members' financial goals across various sectors.

Strong Financial Health

With a net worth of $360,706,481, we maintain robust 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. We provide financing options for both new and used vehicles, making it easy for you to drive away in the car you want.

Business Financing

For business owners, our outstanding commercial loans totaling $294,797,182 provide the capital needed to grow and expand your business. We're committed to supporting local businesses and ensuring they thrive. If you're considering refinancing any existing loans or exploring eligibility options for our various products, our team is ready to help you navigate those possibilities. You can reach us at our branch located at 2390 El Camino Real Ste 110 Palo Alto CA 94306, or give us a call at 650-320-1521 during our operating hours: M-Th 9:00 am to 5:00 pm; F 9:00 am to 6:00 pm; Sat 9:00 am to 2:00 pm. Remember that 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 success!

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 every step of the process so that owning your home becomes a reality.

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 cards are perfect for everyday purchases and emergencies without tying up your assets.

Loan Aggregator

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PROVIDENT CREDIT UNION