Provident Credit Union Belmont CA | Affordable Auto Loans & Business Banking

Introduction

Welcome to Provident, your trusted financial partner located at 1050 El Camino Real Ste C, Belmont, CA 94002. Established in 1950, our credit union has proudly served the community for over seven decades, building strong relationships and providing exceptional financial services to our 134,964 members. With total assets of $3,510,110,738 and deposits amounting to $383,244,145, we are committed to helping you achieve your financial goals. At Provident, we understand the importance of community. Our team of 332 dedicated employees, led by CEO James Ernest and Board President June Rothe, works tirelessly to offer a wide range of services tailored to meet your needs from personal banking solutions like checking and savings accounts to auto loans and mortgages. We pride ourselves on our member-centric approach and strive to create an environment where everyone feels welcome and supported. While members can visit us at our Belmont branch for all their banking needs, official correspondence should be sent to the same address: 1050 El Camino Real Ste C, Belmont, CA 94002. Our commitment goes beyond just numbers; it's about making a positive impact in our community. With a net worth of $360,706,481 and cash in hand totaling $8,238,709, we ensure that your deposits are not only safe but also working hard for you. Whether you're looking for competitive loan rates or innovative online banking options, we've got you covered. Ready to take the next step? Don't hesitate to reach out! Call us at 650-598-0716 or visit our website at providentcu.org to learn more about how we can assist you on your financial journey. Your future starts here at Provident!

Branch History & Mission

Community Engagement

At Provident, community outreach is at the heart of what we do. We engage with local organizations and events to create lasting impacts. Our shared service center allows us to collaborate with partner credit unions to better serve our members' needs. We believe that by working together, we can achieve more for everyone involved. With operating hours from Monday to Thursday 9:00 am to 5:00 pm, Friday until 6:00 pm, and Saturday from 9:00 am to 2:00 pm, we're here when you need us most. Plus, with ATM availability right at our location, accessing your funds is easy and convenient. As we look toward the future, we invite you to join us at Provident. Experience firsthand how our member-focused approach can help you achieve your financial goals while contributing positively to our community. Together, let's build a brighter tomorrow! For more information or assistance, feel free to reach out at 650-598-0716 or visit us online at providentcu.org.

Our Mission

Our mission at Provident is simple: we are dedicated to empowering our members by providing reliable financial services while actively supporting the communities we serve. We believe that when you succeed, we all succeed. This philosophy drives us to invest in local initiatives and partnerships that enhance the quality of life in Belmont and beyond. We understand that financial health is vital for personal well-being. That's why we offer tailored products like checking and savings accounts, mortgage loans, personal loans for debt consolidation, and credit cards with rewards all designed with your needs in mind. While members can visit us at 1050 El Camino Real Ste C, official correspondence should be sent to the same address since it serves both as our branch location and mailing address.

Branch Location & Accessibility

Connect With Us

If you're in the area, we invite you to stop by and say hello! Our friendly staff is eager to help you navigate your banking needs or simply answer any questions you may have. You can also reach us at (650) 598-0716 if you'd like more information before your visit. Come experience banking that feels like home at Provident!

Location Highlights

Nestled near popular spots like the Belmont Park and the local shopping district, our branch is easily accessible for all members of the community. You'll find ample parking available right outside, making it simple to drop by. Plus, we are committed to ensuring everyone can access our services with ADA-compliant features such as ramps and designated parking spaces for those who need them.

Operating Hours

We understand that life can be busy, so we offer flexible operating hours to fit your schedule. Our lobby is open Monday through Thursday from 9:00 AM to 5:00 PM, extending to 6:00 PM on Fridays. If Saturdays work better for you, we're here from 9:00 AM until 2:00 PM. We're dedicated to being available when you need us!

Services Offered

At Provident, we offer a variety of services designed to meet your personal and business banking needs. From checking and savings accounts to auto loans and mortgage options, our team is ready to assist you with any financial questions or transactions. Need cash? We have an ATM on-site for your convenience, along with shared service center options for partner credit union members. While members can visit us at 1050 El Camino Real Ste C Belmont Ca 94002, official correspondence should be sent to 1050 El Camino Real Ste C, Belmont, CA 94002.

Member Eligibility

At Provident, we believe that everyone deserves a chance to be part of a caring financial community. Becoming a member is straightforward and welcoming! If you live, work, or worship in the area, you're likely eligible to join us. We strive to include all individuals who share our values and commitment to building a better financial future together. For more specific eligibility criteria, feel free to check out this link for the most up-to-date information. Joining Provident opens the door to numerous benefits, from personalized banking services to competitive loan rates. Plus, you'll gain access to resources that help you achieve your financial goals. Ready to take the next step? Opening an account is easy! Just give us a call at (650) 598-0716, and our friendly team will guide you through the process. Our branch is located at 1050 El Camino Real Ste C Belmont Ca 94002, and we can't wait to welcome you into our community!

Business Banking & Commercial Services

Business 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. This funding has allowed local entrepreneurs to expand their operations, hire more staff, and serve their customers better. - We also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions for businesses looking to take the next step.

Merchant Services

Beyond loans, our merchant services are designed to simplify your daily transactions. Imagine accepting payments with ease whether in-store or online. Our services help you manage cash flow effectively, ensuring you can focus on what truly matters: growing your business. Visit us at 1050 El Camino Real Ste C Belmont Ca 94002 or call us at (650) 598-0716 to learn how we can support your business journey!

Outstanding Support

With an outstanding commercial loan portfolio of $294,797,182, we continue to drive economic growth by financing new and expanding businesses throughout Belmont, CA.

Comprehensive List Of Services

Auto Loans & Vehicle Financing

Thinking about purchasing a new car? Our auto loans and vehicle financing options make it easy for you to drive away in the vehicle of your choice. With competitive rates and flexible terms, you'll find the perfect solution that fits your budget.

Business Banking Solutions

For entrepreneurs and small business owners, our business banking services offer essential tools like merchant services and business loans. We understand the importance of financial support in growing your business, so we're committed to providing tailored solutions that meet your specific needs.

Credit Cards with Rewards

With our credit cards featuring rewards, you can earn benefits while making everyday purchases. Picture accumulating points that can be redeemed for travel, merchandise, or cash back making each swipe work for you.

Mortgage Loans & Refinancing

If homeownership is on your mind, our mortgage loans and refinancing options provide a variety of choices to suit different needs. Whether you're a first-time homebuyer or looking to refinance an existing mortgage, our knowledgeable staff will guide you through the process, ensuring you get the best deal possible.

Online & Mobile Banking

Staying connected has never been easier thanks to our comprehensive online and mobile banking platforms. With features like person-to-person payments and electronic statements, managing your finances is just a click away. Accessing funds through our ATM services allows for quick withdrawals and balance checks without hassle.

Personal Banking

Whether you're looking to open a checking or savings account, we've got you covered. Our personal banking services are designed to simplify your day-to-day finances. Imagine effortlessly managing your budget and savings goals with our user-friendly online and mobile banking options. You can access your accounts anytime, anywhere, making it easier than ever to keep track of your money.

Personal Loans & Debt Consolidation

Life can throw unexpected expenses your way. That's why we offer personal loans and debt consolidation options. Imagine having the peace of mind that comes with managing multiple debts more effectively or funding a special project with ease.

Shared Branch Transactions

If you're a member of partner credit unions, take advantage of our basic shared branch transactions! You can easily make deposits and withdrawals without needing to visit multiple locations. At Provident, we're here for all your financial needs under one roof. Our commitment to exceptional service ensures that you'll receive personalized attention every time you visit us or reach out online. Ready to explore how we can assist you today? Visit us at Provident Cu Belmont Branch or give us a call at (650) 598-0716! We look forward to helping you achieve your financial goals!

Digital & Online Banking

Convenient Mobile Features

For those who prefer banking on-the-go, our mobile application is here to help. Whether you're out shopping or traveling, you can make mobile payments seamlessly. Plus, sending money to friends or family has never been easier with our person-to-person transfer option no cash needed!

Stay Organized with E-Statements

Gone are the days of paper clutter! With our e-statements feature, you can receive your financial statements electronically, allowing you to stay organized while helping the environment. This way, you'll always have quick access to your financial information right at your fingertips.

User-Friendly Experience

We prioritize user experience in everything we do. Our digital platforms are designed to be intuitive and straightforward so that everyone from tech-savvy individuals to those less familiar with technology can navigate them easily. With real-time account management and round-the-clock support, managing your finances has never felt more secure or accessible. At Provident, we're committed to providing the tools you need for effective financial management. Experience modern banking tailored just for you!

Financial Strength

Commitment to Excellence

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, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Growing Membership Base

Total Share Accounts: 283,425, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $6,101,921. 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 1050 El Camino Real Ste C Belmont Ca 94002 or call (650) 598-0716 to learn more about how we can help you achieve your financial goals.

Member-Centric 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.

Reinvesting for Better 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 lending capacity supports your financial goals across various sectors with $13,697 in used auto loans and $2,598,460,252 in total loans and leases.

Solid Financial Foundation

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 refinancing options if you're looking to lower your monthly payments or reduce your interest rate.

Business Loans

For business owners, our outstanding commercial loans totaling $294,797,182 provide the capital needed to grow and expand. We understand that each business has unique needs and are here to tailor solutions that support your vision. At Provident, we're dedicated to making financing accessible and straightforward. For more information on our loan offerings or to discuss eligibility options, please contact us at (650) 598-0716 or visit us at our branch located at 1050 El Camino Real Ste C Belmont Ca 94002 in Belmont, 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 navigate your financial journey 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 can assist you through every step of the process, ensuring you find a solution that works for your budget and lifestyle.

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. These cards can be an excellent tool for building credit or covering unexpected expenses without high-interest rates.

Loan Aggregator

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Provident