Provident Credit Union San Jose CA | Top Checking & Business Loans

Introduction

Welcome to Provident, your trusted partner in financial growth located at 5801 Cottle Rd Ste 20, San Jose, CA 95123. Since our establishment in 1950, we have been dedicated to serving our community with integrity and care. With a strong membership of 134,964 individuals, we pride ourselves on being more than just a credit union; we are a family committed to your financial well-being. At Provident, we understand the importance of your hard-earned money. That's why we've built a solid foundation with total assets amounting to an impressive $3,510,110,738 and total deposits of $383,244,145. Our members benefit from a net worth of $360,706,481, which reflects our stability and reliability in managing your finances. We also maintain $8,238,709 in cash reserves to ensure that your funds are safe and accessible when you need them. Led by our dedicated CEO, James Ernest, and Board President June Rothe, our team is here to provide personalized services tailored to meet your unique needs. Whether you're looking for auto loans, mortgages, or personal banking solutions, we offer a wide range of products designed with you in mind. While members can visit us at our San Jose branch for all their banking needs, official correspondence should be sent to the same address: 5801 Cottle, Suite 20, San Jose, CA 95123. We're easily reachable at 408-224-0135 during our operating hours: Monday through Friday from 9:30 AM to 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. Visit our website at providentcu.org for more information or give us a call! Your future starts here.

Branch History & Mission

Community Commitment

Our commitment extends beyond financial services; we actively engage with local organizations and initiatives that strengthen our community. Through partnerships and outreach programs, we aim to create a positive impact where it matters most. Join us at Provident as we work together toward building a brighter future for all. Experience the benefits of being part of a community-focused credit union that truly cares about its members' success. We invite you to visit us or contact us at (408) 224-0135 today!

Our Mission

At the heart of Provident's mission is a dedication to providing exceptional financial services while fostering community support. We believe in treating every member like family, offering products ranging from checking and savings accounts to auto loans and mortgages. Our goal is to help you navigate your financial journey with confidence and ease. While members can visit us at 5801 Cottle Rd Ste 20, official correspondence should be sent to 5801 Cottle, Suite 20, San Jose, CA 95123. Our operating hours are designed for your convenience: Monday through Friday from 9:30 AM to 6:00 PM, and Saturday from 9:00 AM to 4:00 PM. We continually strive for excellence by adopting digital advancements that enhance your banking experience. With features like online banking, mobile payments, and electronic signatures, managing your finances has never been easier or more secure.

Branch Location & Accessibility

Banking Hours That Fit Your Schedule

At Provident, we understand that life can be busy. That's why we offer flexible operating hours to accommodate your needs. Our lobby is open Monday through Friday from 9:30 AM to 6:00 PM, and on Saturdays from 9:00 AM to 4:00 PM. Whether you're coming in for personal banking services or just need some quick assistance, we're here when you need us.

Conveniently Located

Our branch is conveniently situated near popular landmarks such as Cottle Park and the bustling Oakridge Mall, ensuring that you can stop by easily while running errands or enjoying a day out. With ample parking available right outside our door, visiting us is hassle-free. We also prioritize accessibility, with features like ramps and ADA compliance to ensure everyone can visit without difficulty.

Join Us Today!

We invite you to visit Provident and discover how we can help with your financial goals. Our friendly staff is ready to assist you with any inquiries or services you may need. Stop by today and experience the welcoming atmosphere of your local credit union!

Services at Your Fingertips

Our branch offers a wide range of services designed to meet your financial needs. From checking and savings accounts to auto loans and mortgage refinancing, we've got you covered. Plus, if you're a member of another participating credit union, feel free to take advantage of our shared service center for basic transactions like deposits and withdrawals. While we don't have drive-thru banking available at this location, we do provide an ATM for convenient cash withdrawals and balance checks. If you have any questions or need assistance, don't hesitate to give us a call at 408-224-0135.

Member Eligibility

At Provident, we believe that everyone deserves a chance to be part of a supportive financial community. If you're looking to join us, becoming a member is simple! We're open to individuals who live, work, or worship in the area around our branch at 5801 Cottle Rd Ste 20 San Jose Ca 95123. This means if you have ties to our vibrant community, you're likely eligible to enjoy all the benefits we offer. As a member of Provident, you'll gain access to personalized banking services, competitive loan rates, and financial education resources designed to help you achieve your goals. To make sure you have the most up-to-date information about eligibility requirements, feel free to visit our website at . Once you're ready to take the next step and open an account, you can find all the details on how to do that easily online. If you have any questions or need assistance, don't hesitate to reach out to us at (408) 224-0135. We're excited for you to join our family at Provident!

Business Banking & Commercial Services

Driving Economic Growth

With an outstanding commercial loan portfolio of $294,797,182, we continue to drive economic growth by financing new and expanding businesses. When you partner with us, you're not just getting a lender; you're gaining a trusted ally dedicated to helping you reach your goals. Visit us at 5801 Cottle Rd Ste 20 San Jose Ca 95123 in San Jose, CA or call us at (408) 224-0135 to learn how we can help your business grow today!

Merchant Services Made Easy

In today's fast-paced world, efficient payment processing is crucial. With our merchant services, you can accept payments seamlessly and manage transactions effortlessly. Picture a busy Saturday at your retail shop; customers are eager to purchase their items, and with our reliable payment solutions, every sale goes smoothly. This not only enhances customer satisfaction but also boosts your bottom line.

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. Imagine having the capital to invest in new equipment, hire additional staff, or expand your location. Our flexible loan options cater to your specific needs, allowing you to focus on what you do best running your business.

Comprehensive List Of Services

Business Banking Solutions

If you're running a business, we haven't forgotten about you! Our business banking services include essential tools such as merchant services and business loans designed to help your company thrive. We understand the challenges businesses face and offer solutions that make banking easier so you can focus on what matters most growing your business.

Connect with Us

We invite you to visit us at 5801 Cottle Rd Ste 20 San Jose Ca 95123, call us at (408) 224-0135, or check out our website at Branch Office for more information about how we can assist you. Whether you're looking for personal or business solutions, we're here to serve you with friendly service and expert advice. Let us help you take control of your financial future today!

Digital Banking Features

In today's fast-paced world, access to your finances anytime is crucial. That's why at Provident, we offer robust online and mobile banking options. You can check balances, transfer funds, and even pay bills from the comfort of your home or on the go. Our mobile payments feature ensures that making transactions is not only simple but also secure. For cash withdrawals and basic transactions, our network of ATMs offers easy access when you need it most. With basic shared branch transactions available for partner credit union members, you can make deposits and withdrawals conveniently without needing to visit your primary branch.

Personal Banking Services

We offer various personal banking services designed for your convenience. Our checking and savings accounts are perfect for everyday banking needs, allowing you to manage your money easily. If you're looking to purchase a vehicle, our auto loans and vehicle financing options provide competitive rates that can help you hit the road without breaking the bank. For those considering home ownership or refinancing, our mortgage loans are tailored to fit your budget. And if unexpected expenses arise, our personal loans and debt consolidation services can provide relief by offering flexible payment options. Plus, our credit cards with rewards allow you to earn points on everyday purchases while enjoying the benefits of responsible credit use.

Digital & Online Banking

Key Services

Our online banking offers 24/7 access, so whether it's early morning or late at night, you can view your account balances, transfer funds, and pay bills with ease. Need to send money to a friend? Our person-to-person transfer feature makes it simple and quick. Plus, with mobile payments available, you can shop or settle bills right from your smartphone. If you prefer going paperless, we offer electronic statements for your convenience. You can easily track your spending and keep an eye on your accounts without the clutter of paperwork. For added security, we also provide electronic signature authorization, making transactions not only easy but safe too.

Stay Connected

For those on the go, our mobile application brings all these features right to your fingertips. Download it today and enjoy the freedom of managing your finances wherever life takes you. You'll love how easy it is to stay connected with your accounts! At Provident, we're committed to providing accessible and efficient banking solutions tailored just for you. Explore all our digital offerings today and experience the convenience of modern banking!

Financial Strength

Commitment to Growth

Our financial performance is further reflected in our $359,049,329 in undivided earnings, which allows us to reinvest in innovative banking tools and stronger lending options. With $13,697 in used auto loans and $2,598,460,252 in total loans and leases, we support members' financial goals across various sectors.

Growing Trust

We have built a strong community trust with 283,425 total share accounts, showing that more members are choosing Provident as their financial partner. Our net shares available for lending stand at $6,101,921, which means more opportunities for you when it comes to borrowing. 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 5801 Cottle Rd Ste 20 San Jose Ca 95123 or call (408) 224-0135 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings

Your savings are well protected here. We have $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 focus on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Despite facing challenges, 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 who are dedicated to serving you with knowledge and commitment.

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 also provide flexible refinancing options for existing auto loans, ensuring you can find terms that suit your budget.

Business Financing

For business owners, our outstanding commercial loans totaling $294,797,182 provide the capital needed to grow and expand your operations. Whether you're looking for funding to start a new venture or support an existing one, we are here to assist with customized solutions. At Provident, we prioritize our members' financial well-being and strive to ensure that our loan products are accessible and beneficial. If you have any questions about eligibility or want assistance with refinancing options, feel free to reach out at (408) 224-0135 during our operating hours from Monday through Friday from 9:30 am to 6:00 pm and Saturday from 9:00 am to 4:00 pm. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. We're dedicated to helping you navigate your financial journey with confidence.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. With $128,082,130 in Junior Lien 1-4 Family Residential Properties loans available, we aim to make the process smooth and stress-free. We offer various eligibility options to cater to different needs, so you can find the right solution for your situation.

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, our credit cards come with competitive rates and rewards programs tailored for everyday use.

Loan Aggregator

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Ensuring Accurate Loan Comparisons

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PROVIDENT CREDIT UNION