Provident Credit Union San Francisco CA | Best Auto Loans & Rewards Cards

Introduction

Welcome to Provident, your trusted partner in financial services located at 450 Golden Gate Ave Ste 20558, San Francisco, CA 94102. Since our establishment in 1950, we have been dedicated to serving our vibrant community with a commitment to excellence and member satisfaction. With over 134,964 members benefiting from our personalized banking solutions, we pride ourselves on being more than just a credit union; we are a supportive community resource. At Provident, we understand that navigating financial decisions can be challenging. That's why we offer a range of services tailored to meet your unique needs from checking and savings accounts to auto loans, mortgages, and business financing. Our total assets amount to an impressive $3,510,110,738, ensuring that we have the resources to support you every step of the way. While you can visit us at our branch for face-to-face assistance, please note that official correspondence should be sent to our mailing address: 450 Golden Gate Ave. 2nd floor, #2-0558, San Francisco, CA 94102. Our leadership team is committed to fostering an environment of trust and transparency. Under the guidance of CEO James Ernest and Board President June Rothe, we strive to create meaningful relationships with our members and contribute positively to the community we serve. With a focus on accessibility, our branch offers essential services such as online banking and ATM access making it easier than ever for you to manage your finances on your terms. Our dedicated staff of 332 employees is ready to assist you during our lobby hours from 8:00 AM to 4:00 PM, Monday through Friday. We invite you to explore all that Provident has to offer. Whether you're looking for a new loan or need assistance with your existing accounts, feel free to reach out at 415-864-1519 or visit us online at providentcu.org. Your financial journey starts here!

Branch History & Mission

Commitment to Accessibility

We strive to make banking as convenient as possible. While you can visit us at our branch location during lobby hours from Monday to Friday from 8:00 AM to 4:00 PM, we also offer robust online and mobile banking options. Our ATM services ensure that you have access to your funds anytime you need them. For any official correspondence, please note that while members can visit us at our branch address, you may send mail to 450 Golden Gate Ave. 2nd floor, #2-0558, San Francisco, CA 94102 if needed.

Join Us

As we continue on this journey of growth and service, we invite you to be part of the Provident family. Experience firsthand the benefits of membership where your financial health is at the forefront of what we do. Together, let's build a brighter financial future for you and your community. For more information or assistance, feel free to reach out at (415) 864-1519 or visit us online at providentcu.org. We look forward to welcoming you!

Our Mission

The heart of Provident lies in our mission to enhance the lives of our members by delivering valuable financial products and services. We understand that banking is not just about transactions; it's about building relationships based on trust and support. Our goal is to provide personalized service that meets the unique needs of every member, whether they are seeking auto loans, mortgages, or everyday banking solutions. In addition to our financial offerings, we are deeply committed to giving back to the communities we serve. Our partnerships with local organizations allow us to contribute meaningfully through outreach programs and community initiatives. We believe that by investing in our neighborhoods, we can create a better future for everyone.

Branch Location & Accessibility

Convenient Access

Our branch is designed with your convenience in mind. With ample parking options nearby, visiting us is hassle-free. We prioritize accessibility for all our members and have features in place to ensure that everyone can easily navigate our space. Whether you need assistance or have special requirements, our team is here to help.

Get in Touch

If you have any questions or need assistance during your visit, feel free to reach out! You can contact us at 415-864-1519. We're always happy to help! So why wait? Come visit Provident today and discover how we can support your financial journey!

Operating Hours & Services

At Provident, we value your time. Our lobby hours are Monday through Friday from 8:00 AM to 4:00 PM, making it simple to stop by before or after work. While you're here, take advantage of our various services including personal banking options like checking and savings accounts, auto loans, mortgage loans, and even business banking solutions. We also offer ATM services right on-site for quick cash withdrawals or balance inquiries. For members who prefer banking from the comfort of their homes, we provide online and mobile banking options as well. And if you happen to be a member of one of our partner credit unions, you can benefit from shared services right here at our location!

Member Eligibility

At Provident, we believe that joining our community is more than just opening an account; it's about becoming part of a supportive family. If you're interested in membership, you'll find that eligibility is straightforward and welcoming. Generally, anyone who lives, works, worships, or attends school in the San Francisco area can become a member. It's our way of ensuring that our services benefit those around us. Plus, being part of Provident means access to a range of benefits like competitive rates on loans and personalized service tailored to your needs. To get started on your journey with us, simply visit our branch located at 450 Golden Gate Ave Ste 20558 San Francisco Ca 94102 or give us a call at (415) 864-1519. You can find detailed eligibility criteria by checking out this link. Opening an account is easy and can be done online or in person. We can't wait to welcome you into the Provident family!

Business Banking & Commercial Services

Merchant Services That Work for You

Imagine having a reliable partner who streamlines your payment processing, allowing you to focus on what matters most your customers. Our merchant services offer user-friendly solutions that make transactions easier, whether you're at the counter or online. This means less time worrying about payments and more time building relationships with your clients. If you're ready to take your business to the next level, visit us at 450 Golden Gate Ave Ste 20558 San Francisco Ca 94102 in San Francisco, CA or call us at (415) 864-1519. Let's work together to fuel your business success!

Tailored Lending Solutions

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 & Cash Withdrawal Services

Accessing cash should be hassle-free. With our ATM services available throughout the area, withdrawing cash or checking balances is quick and straightforward. Plus, as a member of our credit union, you'll benefit from shared branch transactions making deposits and withdrawals easier than ever if you're traveling or away from home. As part of our commitment to making banking accessible for everyone in San Francisco, we invite you to visit us at 450 Golden Gate Ave Ste 20558 San Francisco Ca 94102 or give us a call at (415) 864-1519. Experience firsthand how Provident can support your financial journey today!

Auto Loans & Vehicle Financing

When it's time to purchase a new car or refinance your current vehicle, our auto loans and vehicle financing options are here to assist you. We understand that buying a car is a significant investment, so we work hard to provide flexible loan terms that fit your budget. You can apply easily through our online platform, ensuring that you have access to funds when you need them.

Business Banking

For entrepreneurs and small business owners, we offer robust business banking solutions. From merchant services that make transactions smooth for both you and your customers to business loans tailored for growth, we're here to support your ventures every step of the way.

Credit Cards with Rewards

Enjoy shopping while earning rewards with our credit cards! They come with benefits that enhance your purchasing experience and help you save money on future purchases. It's a simple way to get more from every dollar spent.

Mortgage Loans & Refinancing

If homeownership is on your horizon or you're considering refinancing your existing mortgage, our mortgage loans are designed with you in mind. We offer competitive rates and personalized service to help guide you through the process, whether you're buying your first home or seeking better terms on your current mortgage.

Online & Mobile Banking

In today's fast-paced world, convenience is key. That's why Provident provides top-notch online and mobile banking features. Manage your accounts from anywhere at any time check balances, transfer funds, pay bills, and even deposit checks using just your smartphone.

Personal Banking Solutions

Starting with personal banking, we offer checking and savings accounts that cater to different lifestyles and goals. Imagine having a checking account that not only helps you manage your day-to-day spending but also offers easy online access so you can check your balance anytime. For those looking to save, our savings accounts provide competitive interest rates, making it easier for you to reach your financial targets.

Personal Loans & Debt Consolidation

For those times when unexpected expenses arise or when debt feels overwhelming, our personal loans can provide relief. Our debt consolidation options allow you to combine multiple payments into one manageable monthly bill, helping you regain control over your finances without added stress.

Digital & Online Banking

Key Features

One of the standout features is the availability of e-statements. You can say goodbye to paper clutter and access your statements digitally whenever you need them. Plus, with electronic signature authorization, signing documents is a breeze no more waiting for the mail or needing to visit the branch. For those on the go, our mobile application makes banking even simpler. It supports mobile payments, so you can make purchases directly from your phone without needing cash or cards. If you want to send money to friends or family quickly, our person-to-person transfer feature lets you do just that right from the app.

Security and Accessibility

We prioritize your security while making sure our services are user-friendly. With strong encryption and secure login procedures, you can trust that your information is safe with us. Our goal is to make banking not only convenient but also secure so that you can focus on what matters most. At Provident, we're committed to providing a modern banking experience that fits seamlessly into your life. Whether you prefer using a computer or a smartphone, our digital banking tools give you real-time access to manage your accounts effectively. Join us in embracing the ease of digital banking!

Financial Strength

Growing Membership Base

Total Share and Deposit Accounts stand at 283,425, showing a strong and growing member base that trusts us with their finances. Our net shares available for lending and investments amount to $6,101,921, further demonstrating our capability to meet your needs effectively. 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 450 Golden Gate Ave Ste 20558 San Francisco Ca 94102 or call (415) 864-1519 to learn more about how we can help you achieve your financial goals.

Operational Efficiency

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.

Reinvesting in Member 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 capacity to support your financial goals is reflected in the $13,697 in used auto loans and $2,598,460,252 in total loans and leases.

Secure Savings for Members

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 considering a brand-new model or a reliable used vehicle, we've got options tailored just for you.

Business Loans

For business owners, our outstanding commercial loans totaling $294,797,182 provide the capital needed to grow and expand your business operations. We understand the unique challenges faced by entrepreneurs and are here to support your journey toward success. Whether you're looking for personal financing solutions or business-related funding, our team at Provident is ready to assist you. Don't hesitate to inquire about refinancing options as well; we often have programs available that can help lower your monthly payments or improve your loan terms. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. With our commitment to transparency and member service, we strive to make your lending experience as straightforward and beneficial as possible. Visit us today or give us a call at (415) 864-1519 let's work together 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 are committed to helping you navigate the home-buying process smoothly, ensuring you find a solution that fits your financial situation.

Unsecured Credit Card Loans

Managing everyday expenses can be challenging, which is why we also offer flexible terms on unsecured credit card loans. With a total of $44,004,033 in loans, we help members manage their finances effectively without tying them down with collateral.

Loan Aggregator

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PROVIDENT CREDIT UNION