Provident Credit Union Alameda CA | Best Auto Loans & Business Banking

Introduction

At Provident, we believe that financial well-being starts at the community level. Located conveniently at 2250 S Shore Ctr Ste C, Alameda, CA 94501, our branch has been serving our members since 1950. We are proud to support over 134,964 members with their financial needs, offering a range of services designed to help you achieve your goals. With total assets exceeding $3.5 billion and total deposits reaching $383,244,145, Provident is committed to providing a secure and reliable banking experience. Our dedicated team, led by CEO James Ernest and Board President June Rothe, works tirelessly to ensure that every member receives personalized attention and support. Whether you're looking for auto loans, mortgages, or personal banking services, we have you covered. In addition to being a trusted partner in your financial journey, we also prioritize giving back to the community. With a net worth of $360,706,481 and cash in hand amounting to $8,238,709, we are well-positioned to invest in local initiatives that matter most to our members. While you can visit us at our branch for all your banking needs, please remember that official correspondence should be sent to our mailing address: 2250 South Shore Center Dr. Suite C, Alameda, CA 94501. Ready to take the next step toward financial success? Call us today at 510-523-1514 or explore our services online at providentcu.org. We're here to help you thrive!

Branch History & Mission

Join Us

We invite you to become part of the Provident family today! Experience firsthand how our commitment to excellent service and community support can benefit you. Let us help you navigate your financial journey with confidence. For more information or assistance, please contact us at 510-523-1514 or visit us online at providentcu.org. Together, let's build a brighter financial future!

Our Journey

From our humble beginnings, Provident has grown steadily to become a significant presence in the community, with total assets reaching an impressive $3,510,110,738. Our branch is conveniently located at 2250 S Shore Ctr Ste C, close to local landmarks that make it easy for you to find us. While members can visit us at this location, official correspondence should be sent to our mailing address: 2250 South Shore Center Dr. Suite C, Alameda, CA 94501. Over the years, we have introduced various services tailored to meet the diverse needs of our members. Whether it's personal banking options like checking and savings accounts or specialized services such as auto loans and mortgages, we've made sure that help is always available when you need it most. Our commitment to innovation means that you can access online and mobile banking services that fit your busy lifestyle.

Our Mission

At Provident, our mission goes beyond just offering financial services; we aim to enhance the lives of those in our community. We believe in providing accessible banking solutions while actively engaging in community support initiatives. By prioritizing member satisfaction and fostering strong relationships with local organizations, we strive to make a positive impact on the lives of those we serve. As part of our dedication to serving you better, we ensure ADA compliance across all our facilities and offer features like ATM availability and shared service centers for added convenience. Our operating hours are designed with your schedule in mind: Monday through Friday from 9:30 AM to 6:00 PM and Saturday from 9:00 AM to 4:00 PM.

Branch Location & Accessibility

Convenient Access and Services

At Provident, we understand that accessibility is important. Our branch features ADA-compliant facilities and easy parking options to ensure that everyone can visit us comfortably. We also offer ATM availability for quick cash withdrawals and basic transactions, so you can manage your finances on the go.

Operating Hours That Fit Your Schedule

We know that life can get busy, which is why our lobby is open Monday through Friday from 9:30 AM to 6:00 PM and Saturday from 9:00 AM to 4:00 PM. If you have any questions or need assistance, feel free to give us a call at 510-523-1514. Our team is ready to help!

Shared Services for Added Convenience

As part of our commitment to serving our members, we offer shared service center access. This means that if you're a member of a partner credit union, you can enjoy basic transactions like deposits and withdrawals right here at our location. While members can visit us at 2250 S Shore Ctr Ste C, official correspondence should be sent to our mailing address at 2250 South Shore Center Dr. Suite C, Alameda, CA 94501. Come by today and experience the personal touch of Provident Cu! We look forward to welcoming you into our branch.

Member Eligibility

Joining the Provident community is a simple and welcoming experience that opens the door to a world of financial benefits. At our branch located at 2250 S Shore Ctr Ste C, Alameda, CA 94501, we invite individuals who live, work, worship, or attend school in our service area to become members. This means if you're a resident or have connections to Alameda County, you're already on your way to enjoying exclusive member services like competitive rates on loans and personalized banking options. Becoming a member is straightforward! You can start by visiting our website for more detailed eligibility criteria at . If you're ready to open an account, we encourage you to check out the easy account opening process outlined at . Should you have any questions or need assistance along the way, feel free to reach out to us at 510-523-1514. We look forward to welcoming you into our family!

Business Banking & Commercial Services

Merchant Services That Make a Difference

Imagine having the ability to accept payments seamlessly from your customers, whether they are using credit cards, mobile payments, or online transactions. Our merchant services empower you with the tools to manage transactions efficiently, making it easier for you to focus on what matters most growing your business. Located at 2250 S Shore Ctr Ste C Alameda Ca 94501 in Alameda, CA, our dedicated team is ready to assist you with tailored solutions that meet your business's specific needs. If you have any questions or want to explore our offerings further, don't hesitate to reach out at (510) 523-1514. Let's partner together for your success!

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

Business Banking Solutions

For our business members, we offer comprehensive Business Banking services, including merchant services and business loans. Whether you're just starting out or looking to expand, our team is here to guide you through the financing process.

Convenience at Your Fingertips

At Provident, convenience is key. We provide ATM and cash withdrawal services, making it easy for you to access funds when needed. Plus, with basic shared branch transactions available for partner credit union members, you can deposit or withdraw funds without hassle. And if you're on the go, our online and mobile banking features allow you to manage your accounts effortlessly. From person-to-person payments to checking balances, everything is just a few taps away.

Join Us Today!

If you're ready to experience exceptional service and financial products tailored just for you, visit us at 2250 S Shore Ctr Ste C Alameda Ca 94501 or give us a call at (510) 523-1514. Let's take the next step together toward achieving your financial goals! At Provident, we're more than just a credit union we're your financial partner.

Loans for Every Need

Need a new vehicle? Our Auto Loans & Vehicle Financing options are here to help you drive away with confidence. We offer competitive rates that make purchasing or refinancing a vehicle more manageable. Additionally, our Mortgage Loans & Refinancing services ensure that whether you're buying your dream home or looking to lower your monthly payments, we've got you covered. But it doesn't stop there! If you're facing unexpected expenses or want to consolidate debt, consider our Personal Loans & Debt Consolidation options. We also provide credit cards with rewards that let you earn as you spend.

Personal Banking

We understand that managing finances can be overwhelming. That's why we offer Personal Banking services, including checking and savings accounts designed to help you save for your future while making everyday transactions easy and convenient. With online and mobile banking, you can access your accounts anytime, anywhere, making it simpler than ever to manage your money.

Digital & Online Banking

E-Statements and Mobile App

Say goodbye to paper clutter! Our e-statements are available for those who prefer a digital approach to their financial records. You'll receive your statements quickly and securely, giving you peace of mind while helping the environment. And don't forget about our mobile application! With it, banking is as simple as tapping your phone. From making person-to-person transfers to enabling mobile payments, everything is at your fingertips. You can even manage multiple accounts in real-time, ensuring you're always in control of your finances.

Security and Support

Your security is our top priority. We use advanced encryption technologies to keep your personal information safe while providing easy access to your accounts. If you ever need assistance or have questions about any of our services, our dedicated support team is just a phone call away at (510) 523-1514. Join us at Provident and experience the convenience of modern banking with features that cater to your lifestyle. Discover how easy it is to manage your money with us today!

Financial Strength

At Provident, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. With a commitment to providing safe and reliable banking services, we ensure that your hard-earned money is in good hands. 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. 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. 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 is substantial, with $13,697 in used auto loans and $2,598,460,252 in total loans and leases to support your financial goals across various sectors. 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. This dedicated team ensures our branches are always ready to serve you with knowledge and commitment. Net Shares (Funds available for lending and investments): $6,101,921. Total Share Accounts: 283,425, showing a strong and growing member base that trusts us with their finances. 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 2250 S Shore Ctr Ste C Alameda Ca 94501 or call (510) 523-1514 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.

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 that make financing your next vehicle straightforward and hassle-free.

Business Financing

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 seeking funds for operational needs, we are here to support your business ambitions. At Provident, we believe in providing accessible financing solutions that cater to the diverse needs of our community. If you're considering refinancing or want more information about eligibility options for any of our loan products, don't hesitate to contact us or visit our website at https://providentcu.org/. Our 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 look forward to assisting you with your financial journey!

Credit Lines and Unsecured Credit Cards

For those looking for additional flexibility in managing expenses, we also offer credit lines totaling $1,346,922,422, allowing members to access funds when they need them most. In addition, our unsecured credit card loans amounting to $44,004,033 provide easy access to credit without needing collateral, making it easier for you to manage day-to-day expenses effectively.

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 guide you through every step of the mortgage process, ensuring you find a solution that fits your budget and lifestyle.

Loan Aggregator

No Sponsored Listings

Unlike many comparison sites that may prioritize lenders based on paid promotions, LendMesh does not engage in such practices. Every lender is listed based on merit alone, allowing users to see all their options clearly without bias.

Real-Time Rate Comparisons

With up-to-date loan rates from multiple institutions, LendMesh helps users make informed decisions quickly. The platform continuously updates its data to reflect current market conditions, ensuring that you have access to the most relevant information when it comes time to choose a loan. Thousands of users trust LendMesh for loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This testimonial highlights how effective and user-friendly LendMesh is for those seeking better loan options. Compare real-time loan offers today at 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.

Verified Data

LendMesh prioritizes transparency by sourcing loan offers from legitimate financial institutions. This means you are getting accurate information directly from the source, reducing the risk of misinformation that can occur with other comparison tools.

Provident