Provident Credit Union Sunnyvale CA | Affordable Vehicle Loans & Business Banking

Introduction

Welcome to Provident, your trusted partner in financial services located at 398 W El Camino Real Ste 112, Sunnyvale, CA 94087. Since our establishment in 1950, we have dedicated ourselves to empowering our community and enhancing the lives of our members. With a robust membership of 134,964 individuals and total assets exceeding $3.5 billion, we are well-equipped to meet your financial needs. At Provident, we take pride in offering a wide array of services, including personal banking, auto loans, mortgage loans, and business banking solutions. Our commitment to providing exceptional service is reflected in our significant total deposits of $383,244,145 and a strong net worth of $360,706,481. You can also count on us for seamless online and mobile banking experiences. While members can visit us at our branch location for personal assistance, any official correspondence should be directed to the same address: 398 W El Camino Real Ste 112, Sunnyvale, CA 94087-1398. Under the leadership of our CEO, James Ernest, and Board President, June Rothe, we strive to foster a culture of trust and community engagement. Our team of 332 dedicated employees is here to assist you with all your banking needs. If you're looking for reliable financial solutions backed by a credit union that truly cares about its members, don't hesitate to reach out! Call us at (408) 746-9875 or visit our website at providentcu.org for more information about how we can serve you better. Your financial well-being is just a visit or phone call away!

Branch History & Mission

Join Us

As we continue this journey together with our community, we invite you to become part of the Provident family. Experience firsthand the benefits of membership with us and let us help you reach your financial aspirations. For more information or assistance, feel free to call us at 408-746-9875 or visit our website. Together, let's build a brighter financial future!

Our Journey

From the moment we opened our doors, our mission has been to provide accessible and trustworthy financial services to our members. Over the years, we have seen significant growth, with total assets reaching an impressive $3.5 billion. This growth reflects not just our financial strength but also our dedication to helping individuals and families achieve their financial goals. As part of a larger network headquartered in Redwood City, CA, we have embraced advancements in technology while maintaining a personal touch. Our digital offerings include online banking, mobile payments, and e-statements, making it easier for members to manage their finances on their terms. We are also proud of our ADA compliance efforts, ensuring that everyone can access our services without barriers.

Our Mission

At Provident, our mission is simple: to empower our members through quality financial services while fostering a supportive community environment. We believe in investing back into the neighborhoods we serve through various outreach programs and partnerships with local organizations. Whether it's through educational workshops or community events, we strive to make a positive impact beyond just banking. We offer a range of services including personal banking options like checking and savings accounts, auto loans, mortgages, and business banking solutions tailored to meet diverse needs. Additionally, with shared service center availability and ATM access at our branch, convenience is always a priority. While you can visit us at our Sunnyvale location for all your banking needs during operating hours Monday through Friday from 9:30 AM to 6:00 PM and Saturday from 9:00 AM to 2:00 PM official correspondence should be directed to the same address.

Branch Location & Accessibility

Accessibility and Parking

At our branch, we prioritize accessibility for everyone. Our building features ADA-compliant ramps and entrances, ensuring that all members can navigate comfortably. There's ample parking available, so you won't have to worry about finding a spot when you visit us.

Additional Features

For those on the go, we have an ATM available for quick cash withdrawals and balance checks. While we don't currently have drive-thru banking at this location, our friendly staff is always ready to assist you inside. We invite you to reach out with any questions or stop by for a visit! You can give us a call at 408-746-9875. We look forward to seeing you soon at Provident!

Operating Hours

We understand that your time is valuable. That's why we offer flexible operating hours to accommodate your busy schedule. Our lobby is open Monday through Friday from 9:30 AM to 6:00 PM, and on Saturday from 9:00 AM to 2:00 PM. Whether you're stopping by during your lunch break or on a Saturday morning, we're here to help!

Services Offered

At Provident, we offer a variety of services tailored to meet your financial needs. From personal banking options like checking and savings accounts to auto loans and mortgage financing, we've got you covered. Plus, if you're a member of a partner credit union, take advantage of our shared service center for basic transactions such as deposits and withdrawals.

Member Eligibility

At Provident, we believe that becoming a member means joining a warm and welcoming community that supports your financial journey. If you're wondering whether you can join us, the good news is that eligibility is straightforward and inclusive! Anyone who lives, works, or worships in our local community is encouraged to become a member. We also welcome family members of existing members, creating a close-knit network of support for everyone involved. By choosing Provident, you gain access to personalized banking services, competitive rates on loans, and a variety of financial products tailored to meet your needs. To get started, simply visit us at our friendly location at 398 W El Camino Real Ste 112 Sunnyvale Ca 94087, or give us a call at (408) 746-9875 if you have any questions. For more details on eligibility requirements and to check for any updates, feel free to explore our website at . Joining us is easy, and we can't wait to welcome you into the Provident family!

Business Banking & Commercial Services

Member Commercial Loans

Our dedication 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 unlocking the potential of your business with just the right financial support whether it's expanding your operations or investing in new equipment, we're here to help you thrive.

Non-Member Commercial Loans

We also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions. This means even if you're not a member yet, we offer pathways for you to access the funds you need to achieve your goals.

Outstanding Commercial Loans

With an outstanding commercial loan portfolio of $294,797,182, we continue to drive economic growth by financing new and expanding businesses. Our focus is on creating lasting relationships with local businesses, ensuring they have the resources necessary to succeed. Located at 398 W El Camino Real Ste 112 Sunnyvale Ca 94087 in Sunnyvale, CA, our team is ready to assist you in navigating your business banking needs. Reach out today at (408) 746-9875 and let us partner with you on your journey to success!

Comprehensive List Of Services

Business Banking

For small business owners, we provide tailored Business Banking services including Merchant Services & Business Loans. This means whether you're just starting out or looking to expand, we have financing options that can help fuel your success.

Convenient Access

At Provident, convenience is key. We understand that sometimes you need cash quickly; that's why we offer ATM & Cash Withdrawal Services along with basic shared branch transactions for partner credit union members. You can easily make deposits and withdrawals at various locations. Our commitment to digital banking allows you to manage your finances anytime, anywhere. Features like Mobile Payments and person-to-person transfers mean you can send money to friends or family in seconds!

Credit Options

Managing debt is crucial for financial health, which is why we offer Personal Loans & Debt Consolidation solutions. If you're juggling multiple payments, consolidating them into one monthly payment can make life easier and save you money on interest. Additionally, our Credit Cards with Rewards let you earn points for every dollar spent turning everyday purchases into exciting rewards!

Personal Banking

When it comes to personal banking, we offer Checking & Savings Accounts designed for every lifestyle. Imagine having easy access to your funds through our Online & Mobile Banking options. You can check balances, transfer money, and pay bills right from your phone or computer perfect for those busy days when you're on the go! If you're thinking about buying a new car, our Auto Loans & Vehicle Financing provide competitive rates and flexible terms. Picture driving off in your dream vehicle without breaking the bank! We also offer Mortgage Loans & Refinancing, making homeownership a reality for many families. Our team is here to guide you through the process, ensuring that you find a loan that fits your budget.

Visit Us Today!

We invite you to visit us at our location: 398 W El Camino Real Ste 112 Sunnyvale Ca 94087 in Sunnyvale, CA. If you have any questions or want more information about our services, feel free to call us at (408) 746-9875. Our friendly team is ready to assist you Monday through Friday from 9:30 AM to 6:00 PM and Saturday from 9:00 AM to 2:00 PM. Join us today and experience how Provident can help empower your financial journey!

Digital & Online Banking

Convenient Online Banking

With our 24/7 online banking services available at https://providentcu.org/ , you can access your accounts anytime you need. Check balances, transfer funds, and pay bills all from the comfort of your own home or while you're out and about. Our user-friendly interface makes navigation simple, so you can focus more on what matters to you.

Mobile Banking at Your Fingertips

For those who prefer banking on their phones, our mobile application makes it easy to manage your accounts wherever you are. With features like mobile payments and person-to-person transfers, sending money to friends or paying for purchases is just a tap away. Enjoy the flexibility of accessing your accounts right from your pocket.

Secure Transactions Made Easy

Security is our top priority. That's why we offer electronic signature authorization, ensuring that your transactions are protected every step of the way. You can feel confident making transfers or accessing sensitive information online. Plus, with e-statements available, you can easily keep track of your finances without the clutter of paper statements.

Stay In Control with Real-Time Management

At Provident, we believe in giving you control over your finances. Our digital services allow for real-time account management so that you can monitor transactions and adjust settings whenever necessary. Whether you're making a quick payment or transferring funds, everything is designed to be straightforward and accessible. In summary, Provident is here to provide a banking experience that meets your needs securely and conveniently. Explore our digital banking services today at https://providentcu.org/ and discover how easy it is to stay on top of your financial goals!

Financial Strength

Commitment to Growth

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 lending capacity supports your financial goals with $13,697 in used auto loans and $2,598,460,252 in total loans and leases.

Operational Efficiency

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

Secure Savings Options

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 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.

Trust Built on Strong Foundations

Our total share accounts stand at 283,425, showcasing a strong and growing member base that trusts us with their finances. With net shares available for lending and investments totaling $6,101,921, you can be confident that your credit union is well-positioned for the future. In conclusion, 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 398 W El Camino Real Ste 112 Sunnyvale Ca 94087 or call (408) 746-9875 to learn more about how we can help you achieve your financial goals.

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 flexible terms and competitive interest rates to make your vehicle purchase as affordable as possible.

Business Loans

For business owners, our outstanding commercial loans totaling $294,797,182 provide the capital needed to grow and expand. Whether you're starting a new venture or looking to invest in equipment, we can help you find the right financing solution. At Provident, we believe in providing personalized service and guidance throughout your borrowing experience. If you're interested in refinancing or exploring eligibility options for any of our loan products, don't hesitate to reach out. You can visit us at 398 W El Camino Real Ste 112 Sunnyvale Ca 94087 in Sunnyvale, CA, or give us a call at (408) 746-9875. Our team is ready to assist you during our operating hours: Monday through Friday from 9:30 AM to 6:00 PM and Saturday from 9:00 AM to 2:00 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. Let us help you take the next step towards achieving 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 offer various mortgage products tailored to fit your needs, whether you're a first-time homebuyer or looking to refinance an existing mortgage.

Unsecured Credit Card Loans

Managing everyday expenses is easier with our unsecured credit card loans. With a total of $44,004,033 in loans, we offer flexible terms that help our members navigate their financial journeys effectively. Enjoy peace of mind knowing that you have access to funds when you need them.

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PROVIDENT CREDIT UNION