Provident Credit Union Redwood City CA | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Provident, your trusted financial partner in Redwood City, California. Located at 210 Redwood Shores Pkwy, we have proudly served our community since 1950. Over the years, we've built a reputation for offering reliable and accessible financial services tailored to meet the needs of our members. With a strong commitment to our community, we currently serve 134,964 members and manage total assets exceeding $3.5 billion. At Provident, our goal is to empower you with the right tools and support for your financial journey. Our dedicated team, led by CEO James Ernest and Board President June Rothe, is here to help you navigate everything from personal banking and auto loans to mortgage financing and credit cards with rewards. We believe that everyone deserves a financial partner that truly cares. While you can visit us at our branch address for all your banking needs, official correspondence should be sent to our mailing address: 210 Redwood Shores Parkway, Redwood City, CA 94065. We understand that convenience matters; that's why we offer online and mobile banking options alongside our friendly in-branch services. With a robust total deposit base of $383,244,145 and a net worth of $360,706,481, we have the resources to support your financial goals effectively. Whether you're looking to open a new checking account or seeking guidance on securing loans our team is ready to assist you. We invite you to join us in making your financial dreams a reality! Feel free to call us at 650-591-7845 or visit our website at providentcu.org for more information on how we can serve you better. Let's embark on this journey together!

Branch History & Mission

Commitment to Innovation

In today's fast-paced world, we understand the importance of staying connected. That's why we offer modern conveniences such as online banking, mobile payments, and e-statements ensuring that accessing your finances is as easy as possible. Our branch is ADA compliant to ensure everyone can access our services comfortably. With one ATM available for quick cash needs and shared service centers for basic transactions with partner credit unions, we're here to meet your banking needs efficiently.

Join Us!

As we continue our journey into the future, we invite you to become part of the Provident family. Experience firsthand how we blend tradition with innovation while focusing on what truly matters our members' success. Whether you're looking for personal banking solutions or seeking guidance on business financing options, we're here for you every step of the way. Come visit us or give us a call at 650-591-7845 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. Let's work together towards achieving your financial aspirations!

Our Journey

From our humble beginnings, Provident has evolved significantly over the decades. We started with a simple mission: to provide accessible financial services to our members. As we expanded, so did our offerings. Today, we manage assets totaling approximately $3.5 billion and provide a wide range of services including personal banking, auto loans, mortgage financing, credit cards with rewards, and business banking solutions. Our location at 210 Redwood Shores Parkway places us in a prime spot for both convenience and community engagement. While members can visit us at 210 Redwood Shores Pkwy, official correspondence should be sent to our mailing address at 210 Redwood Shores Parkway, Redwood City, CA 94065. This ensures that all communications are handled promptly.

Our Mission

At the heart of Provident's mission is our dedication to empowering individuals and families through financial education and supportive services. We believe that by equipping our members with the tools they need to make informed financial decisions, we can help them achieve their goals and dreams. We are not just about transactions; we are about building lasting relationships that foster growth and prosperity within our community. We strive to be more than just a credit union; we want to be your trusted partner in navigating life's financial challenges. Our initiatives extend beyond traditional banking as we actively participate in community outreach programs aimed at supporting local causes and organizations.

Branch Location & Accessibility

Welcome to Provident! Located conveniently at 210 Redwood Shores Pkwy in beautiful Redwood City, CA, our branch is here to make your banking experience as smooth as possible. Nestled near popular spots like the Redwood Shores Lagoon and just a short drive from the San Mateo Bridge, we're easy to find and access. While members can visit us at our branch address, official correspondence should be sent to 210 Redwood Shores Parkway, Redwood City, CA 94065. Our location offers ample parking and is designed with accessibility in mind, featuring ADA-compliant ramps to ensure everyone can comfortably access our services. At Provident, we understand that life gets busy. 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. Whether you need help with personal banking, auto loans, or mortgage refinancing, our friendly staff is ready to assist you during these hours. We also provide convenient ATM availability for quick cash withdrawals and balance checks. Although we do not have drive-thru banking at this location, our shared service center allows members of partner credit unions to complete basic transactions like deposits and withdrawals with ease. If you have any questions or need assistance, feel free to give us a call at 650-591-7845. We look forward to welcoming you into our branch and helping you with all your financial needs!

Member Eligibility

At Provident, we're excited to welcome you into our community! Becoming a member is as easy as reaching out and seeing if you qualify. To join us, you typically need to live, work, or worship in the area, or have a family member who is already a member. We're dedicated to providing personal service and financial benefits that make a difference in your life. If you're interested in learning more about the specifics of eligibility, feel free to check out this resource for detailed information. Opening an account at Provident is straightforward and welcoming. Our team is here to help guide you through the process and answer any questions you may have. If you're ready to take the next step or if you want more information, don't hesitate to give us a call at (650) 591-7845. We look forward to having you as part of our thriving community located at 210 Redwood Shores Pkwy Redwood City Ca 94065!

Business Banking & Commercial Services

Financing Your 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 financial support allows local entrepreneurs to invest in equipment, hire new staff, or expand their operations, making a real difference in our community.

Strengthening Economic Impact

With an outstanding commercial loan portfolio of $294,797,182, we continue to drive economic growth by financing new and expanding businesses. At Provident, we're not just about transactions; we're about building relationships and fostering success. Located at 210 Redwood Shores Pkwy Redwood City Ca 94065 in Redwood City, CA, we invite you to visit us or call us at (650) 591-7845 to learn more about how our business banking and commercial services can benefit you. Let's work together to turn your business vision into reality!

Supporting All Businesses

We also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions. Our goal is to ensure that businesses of all sizes have access to the funds they need to thrive.

Comprehensive List Of Services

Business Banking Solutions

For entrepreneurs and small business owners, we offer essential services like merchant services and business loans that can help grow your venture. Our business banking experts will work closely with you to find the best financing options suited for your needs.

Digital Banking Convenience

In today's fast-paced world, convenience is key. That's why we provide robust online and mobile banking features that allow you to bank from anywhere. With our digital tools, you can easily transfer funds, pay bills, or check your balances all at your fingertips. Our ATM services ensure that cash withdrawal is never a hassle. You can access funds quickly through our ATMs, making everyday banking simple.

Final Thoughts

At Provident, we believe that banking should be personal, accessible, and above all, supportive of your goals. Our comprehensive range of services is crafted with care to meet the diverse needs of our members in Redwood City and beyond. Visit us today at 210 Redwood Shores Pkwy Redwood City Ca 94065 or give us a call at (650) 591-7845 we're excited to help you achieve financial success!

Personal Banking Made Easy

We offer various personal banking options to fit your lifestyle. Whether you're opening a checking account for everyday transactions or a savings account to build your nest egg, we have solutions tailored just for you. Our checking and savings accounts come with features that help you keep track of your finances easily. If you're considering purchasing a new car or refinancing an existing loan, our auto loans and vehicle financing options are competitive and designed with you in mind. We also provide mortgage loans and refinancing services so you can find the perfect home without breaking the bank. For those looking to consolidate debt or manage unexpected expenses, our personal loans are straightforward and flexible. Plus, our credit cards with rewards make spending more rewarding earn points while shopping for things you love!

Shared Branching Services

As part of our commitment to serving all members, we offer basic shared branch transactions like deposits and withdrawals for partner credit union members. This means greater accessibility to your funds no matter where life takes you.

Digital & Online Banking

Key Features

Our 24/7 online banking services give you the flexibility to check balances, pay bills, and transfer money at your convenience. Whether you're at home or on the go, you can access your accounts easily and securely. For those who prefer using their smartphones, our mobile application provides all the essential features right at your fingertips. Need to send money to a friend? Our person-to-person transfer feature makes it simple and quick. Plus, with our mobile payments capability, you can make purchases directly from your phone without worrying about carrying cash or cards.

Security and Accessibility

Your security is our top priority. We utilize electronic signature authorization for safe transactions, ensuring that only you have access to your sensitive information. Additionally, e-statements are available so you can manage your statements online without the hassle of paper clutter. We believe in making banking as user-friendly as possible. From checking account balances to authorizing payments with just a few taps, our digital tools are designed to fit seamlessly into your busy lifestyle. At Provident, we're committed to providing you with the best digital banking experience. Enjoy real-time account management and peace of mind knowing that your financial transactions are secure and easy to navigate. Join us today and experience banking made simple!

Financial Strength

Growing Membership Base

With a total of 283,425 share accounts, it's clear that our community trusts us with their finances. Our net shares available for lending and investments stand at $6,101,921, showcasing our ability to support your needs while maintaining strong liquidity. In summary, 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 210 Redwood Shores Pkwy Redwood City Ca 94065 or call (650) 591-7845 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.

Investment in Growth

Our commitment to your financial well-being is further reflected in our $359,049,329 in undivided earnings. This amount allows us to reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. With $13,697 in used auto loans and a robust total of $2,598,460,252 in loans and leases, our lending capacity supports your financial goals across various sectors.

Member-Centric Approach

We prioritize our members over profits. With $250,000,000 in non-member deposits, our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks. 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.

Operational Efficiency

Our operational efficiency is evident as we manage to reflect a net income of $0, which enables us to keep providing 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 ready to assist you with knowledgeable service at every turn.

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. We offer flexible terms and competitive rates on both new and used vehicle loans to fit your budget.

Credit Options

In addition to auto and mortgage loans, we also offer flexible terms on unsecured credit card loans. With a total of $44,004,033 in unsecured credit card loans helping members manage their finances effectively, our credit options can be tailored to suit your needs. If you're considering refinancing any existing loans or exploring eligibility options for our various loan products, don't hesitate to reach out. Our team is here to assist you with all your questions and guide you through the process. For business owners, our outstanding commercial loans totaling $294,797,182 provide the capital needed to grow and expand. We're committed to supporting local businesses as they thrive. To learn more about our loan offerings or to get started with an application today, please visit us at our branch located at 210 Redwood Shores Pkwy Redwood City Ca 94065, or call us at 650-591-7845. 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 achieving your financial goals!

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 aim to provide straightforward processes and helpful guidance throughout your home buying journey.

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PROVIDENT CREDIT UNION