Provident Credit Union San Jose CA | Top Checking & Quick Personal Loans

Introduction

Welcome to Provident, your trusted financial partner right here in San Jose, California! Located at 1705 E Capitol Expy Ste 20, San Jose, CA 95121, we have been serving our community since 1950. With a strong commitment to our members, we proudly support over 134,964 individuals and families with personalized banking solutions tailored to meet their unique needs. At Provident, we understand that financial security is crucial for our members. That's why we manage a robust asset portfolio of $3,510,110,738, ensuring that your savings are safe and sound. Our dedicated team of 332 employees is here to assist you, whether you're looking for checking and savings accounts, auto loans, or mortgage refinancing options. We also offer business banking services to help local enterprises thrive. We take pride in our solid financial standing, reflected in our impressive net worth of $360,706,481 and total deposits of $383,244,145. Our commitment to excellence is matched only by our dedication to community impact. We believe in giving back and building lasting relationships with those we serve. While members can visit us at our branch location for all their banking needs, official correspondence should be sent to 1705 E. Capitol Expressway #20, San Jose, CA 95121. Whether you prefer face-to-face interactions or online services through our website at providentcu.org, we're here for you every step of the way. Under the leadership of CEO James Ernest and Board President June Rothe, Provident continues to thrive as a member-focused credit union where your voice matters. We invite you to reach out at (408) 532-6348 for any inquiries or visit us during our operating hours: Monday to Thursday from 9:00 AM to 5:00 PM, Friday until 6:00 PM, and Saturday from 9:00 AM to 4:00 PM. Join us today and discover how Provident can help you achieve your financial goals!

Branch History & Mission

Our Journey

From our humble beginnings more than seven decades ago, Provident has continually evolved to meet the changing needs of our members. Initially starting as a small cooperative focused on helping individuals achieve their financial goals, we have grown into a robust institution with total assets now exceeding $3.5 billion. This growth reflects not just our strength but also the trust and loyalty of our members. Our headquarters in Redwood City, CA, oversees operations that include cutting-edge online and mobile banking options, ensuring that access to your finances is convenient and secure. We proudly embrace digital advancements while remaining compliant with ADA standards, making banking accessible for everyone.

Our Mission

At Provident, our mission is straightforward yet profound: we are dedicated to empowering our members through personalized financial solutions while actively contributing to the betterment of our community. We provide a wide range of services including personal banking checking and savings accounts, auto loans, mortgage loans, and credit cards with rewards as well as business banking solutions like merchant services and business loans. We understand that banking is about more than just numbers; it's about people. That's why we engage in various community outreach efforts and partnerships aimed at improving local lives. Whether it's sponsoring educational programs or participating in local events, we strive to give back to the neighborhoods that support us.

Visit Us

While you can reach us at 1705 E Capitol Expy Ste 20, official correspondence should be sent to 1705 E. Capitol Expressway #20, San Jose, CA 95121 if needed. Our operating hours are designed for your convenience: 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 4:00 PM. We offer ATM services for quick cash withdrawals and shared service center options for those who belong to partner credit unions. Join us today! Experience firsthand how being part of Provident can enhance your financial journey while contributing positively to your community. Call us at 408-532-6348 or visit us online at providentcu.org for more information. Together, let's build a brighter financial future!

Branch Location & Accessibility

Accessibility Features

At Provident, we prioritize accessibility for all our members. Our branch is fully ADA compliant, featuring ramps and spacious parking options to ensure everyone can visit us comfortably. Whether you're coming in for personal banking needs or to discuss business services, we've got you covered.

Operating Hours

We understand that life can be busy, which is why we offer flexible operating hours. You can visit us 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 4:00 PM. We want to make sure you have ample time to take care of your banking needs!

Services Available

Our branch is equipped with an ATM for quick cash withdrawals and balance checks. While we do not have drive-thru service, our friendly staff is always ready to assist you inside. Plus, as part of our commitment to serving our community, we participate in shared services with partner credit unions, allowing you to complete basic transactions even if you're a member elsewhere. If you need assistance or have questions about our services like personal loans, auto financing, or online banking feel free to give us a call at 408-532-6348. We're here to help! While members can visit us at 1705 E Capitol Expy Ste 20 San Jose Ca 95121, official correspondence should be sent to 1705 E. Capitol Expressway #20, San Jose, CA 95121. We look forward to welcoming you at Provident!

Member Eligibility

At Provident, we believe that becoming a member is like joining a caring family dedicated to helping you thrive. If you're looking to open an account with us, you'll find our membership criteria straightforward and welcoming. Generally, anyone who lives, works, worships, or attends school in the area is eligible to join our community. This means if you're part of the vibrant San Jose area, you're likely already qualified! To explore all the details about eligibility and make sure you meet any specific requirements, feel free to check out our resource at . Joining Provident not only gives you access to a variety of financial products tailored just for you but also connects you with a team that genuinely cares about your success. The process of opening an account is designed to be easy and inclusive just give us a call at (408) 532-6348, or visit us at our branch located at 1705 E Capitol Expy Ste 20 San Jose Ca 95121. We're here to assist you every step of the way!

Business Banking & Commercial Services

Merchant Services that Make a Difference

In addition to loans, we offer merchant services that simplify transactions for your business. Imagine accepting payments effortlessly, whether online or in-store. Our services provide you with the tools you need to manage sales efficiently and securely, allowing you more time to focus on what truly matters growing your business. Visit us at 1705 E Capitol Expy Ste 20 San Jose Ca 95121 in San Jose, CA or call us at (408) 532-6348 to learn how we can help your business reach its full potential!

Supporting Business 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. - 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

Connecting With Us

At Provident, we believe in making financial services accessible and straightforward for everyone. If you're ready to learn more about how we can assist you on your financial journey or have any questions about our offerings, don't hesitate to reach out! Give us a call at (408) 532-6348 or visit us at 1705 E Capitol Expy Ste 20 San Jose Ca 95121 in San Jose, CA. Together, let's take the next step toward achieving your financial goals!

Credit and Business Solutions

If you're looking for ways to reward yourself for everyday purchases, consider our Credit Cards with Rewards. This card not only helps you build credit but also earns you points on every dollar spent making your purchases even more rewarding! For entrepreneurs and small business owners, our Business Banking services offer vital tools like Merchant Services & Business Loans. You can focus on growing your business while we handle the banking side of things.

Digital Banking Convenience

In today's busy world, convenience is key. Our Online & Mobile Banking features allow you to manage accounts anytime, anywhere. Whether it's checking balances, making transfers, or paying bills, everything is just a few taps away on your device. We also provide essential services such as ATM & Cash Withdrawal Services, ensuring you have easy access to cash when needed. Plus, if you're a member of a partner credit union, enjoy basic shared branch transactions like deposits and withdrawals without hassle.

Personal Banking Services

Whether you're opening your first checking account or looking for a reliable savings solution, our personal banking options cater to all your needs. With our Checking & Savings Accounts, you can easily manage your day-to-day expenses while saving for future goals. Imagine having access to funds whenever you need them, coupled with the peace of mind that comes from knowing your savings are growing. When it comes to purchasing a vehicle, our Auto Loans & Vehicle Financing make it simple and affordable. Picture yourself driving away in your dream car with a loan that fits comfortably within your budget. We also offer Mortgage Loans & Refinancing options, so whether you're buying a new home or looking to lower your monthly payments, we've got you covered. For those unexpected expenses or big life changes, our Personal Loans & Debt Consolidation services can provide the support you need. Think about how stress-free it would be to consolidate multiple debts into one manageable payment.

Digital & Online Banking

Additional Benefits

For those who prefer paperless options, we offer e-statements that allow you to view your account statements online instead of waiting for them in the mail. This not only helps the environment but also keeps your financial information organized and easily accessible. Need to send money quickly? Our person-to-person transfer feature allows you to send funds to friends and family without hassle. Whether you're splitting a bill or sending a gift, it's all done in real-time right from your device. Experience the ease of managing your finances with our digital banking services at Provident. Join us today and discover how simple banking can be!

Key Features

Our online banking services provide you with 24/7 access to your accounts, allowing you to check balances, transfer funds, and pay bills with just a few clicks. If you're on the go, our mobile application makes it even easier to stay connected. You can also enjoy the convenience of mobile payments, making purchases directly from your phone. Security is a top priority at Provident. We use advanced encryption technology to keep your personal information safe. Plus, with electronic signature authorization available, signing documents online has never been simpler or more secure.

Financial Strength

Commitment to Innovation

Our commitment to excellence is reflected in our $359,049,329 in undivided earnings, which allows us to reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better.

Dedicated Team

We also take pride in having 314 full-time employees and 18 part-time employees who are always ready to assist you with their knowledge and commitment. This ensures that every visit or call is met with personalized service.

Growing Member Base

Total Share Accounts stand at 283,425, showcasing a strong and growing member base that trusts us with their finances. With available net shares (funds for lending) of $6,101,921, we are well-positioned to support the needs of our members. 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 1705 E Capitol Expy Ste 20 San Jose Ca 95121 or call (408) 532-6348 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.

Lending Capacity

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. Additionally, our $0 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members.

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. We prioritize our members above all else. 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.

Strong Net Worth

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. Whether you're interested in financing a brand-new model or a reliable pre-owned vehicle, our flexible terms can accommodate your budget and lifestyle.

Business Loans

For business owners, our outstanding commercial loans totaling $294,797,182 provide the capital needed to grow and expand. We understand the unique challenges businesses face and are here to support you with customized lending solutions designed to fit your operational needs. At Provident, we pride ourselves on transparency and accessibility. Our team is ready to assist you with any questions regarding our loan offerings or refinancing options. You can reach us at (408) 532-6348 or visit us at our branch located at 1705 E Capitol Expy Ste 20 San Jose Ca 95121, San Jose, CA. 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 towards your financial goals today!

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 provide guidance throughout the process to ensure you find the right mortgage for your needs. If you're considering refinancing your existing mortgage, we can help explore eligibility options that may lower your payments.

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 helping members manage their finances effectively, you can enjoy the convenience of cashless transactions while earning rewards along the way.

Loan Aggregator

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 commitment to verified data means that all loan offers presented on LendMesh come from legitimate financial institutions, ensuring fairness and transparency in every comparison. LendMesh stands out for several reasons: - Verified Data: All loan offers are sourced from legitimate financial institutions, which builds trust among users. - No Sponsored Listings: Unlike some other platforms, LendMesh does not prioritize lenders based on paid promotions. The goal is to provide users with unbiased results that reflect the best available options. - Real-Time Rate Comparisons: With up-to-date loan rates from multiple institutions, users can stay informed about current market conditions and make better choices. Thousands of users trust LendMesh for their loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Such testimonials highlight the effectiveness of this platform in helping individuals secure better financing options. If you're looking to compare real-time loan offers today, visit LendMesh and find the best rates for your needs. Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.

PROVIDENT CREDIT UNION