Provident Credit Union Daly City CA | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Provident, your trusted partner in financial wellness located at 2171 Junipero Serra Blvd Ste 150, Daly City, CA 94014. Since our establishment in 1950, we've been dedicated to serving our community with a wide range of banking services designed to meet the needs of our 134,964 members. With total assets exceeding $3.5 billion and total deposits of $383,244,145, we pride ourselves on being a stable and reliable financial institution. At Provident, we believe that strong relationships lead to better financial outcomes. Our team is committed to providing personalized service that empowers you to achieve your financial goals. Under the leadership of our CEO, James Ernest, and Board President, June Rothe, we focus on creating an environment where you feel valued and understood. While members can visit us at our branch location, official correspondence should be sent to the same address: 2171 Junipero Serra Blvd., Ste. 150, Daly City, CA 94014. Whether you need help with personal banking, auto loans, or business financing options, we're here for you every step of the way. With over 332 employees ready to assist you and innovative services like online banking and mobile payments available, managing your finances has never been easier. Our commitment to transparency and community impact makes us a leader in the credit union space. We invite you to explore what Provident has to offer by visiting our website at providentcu.org or giving us a call at 650-991-4729. Join us in building a brighter financial future together!

Branch History & Mission

Welcome to Provident, a credit union with a rich history and a steadfast commitment to serving the community of Daly City, CA. Established in 1950, we have proudly served our members for over seven decades, growing alongside the vibrant community around us. With a current membership of approximately 134,964 individuals, we have become an integral part of daily life in Daly City and beyond. Our branch is located at 2171 Junipero Serra Blvd Ste 150, Daly City, CA 94014. We invite you to visit us and experience firsthand the welcoming atmosphere that defines Provident. While members can visit us at this address for all their banking needs, official correspondence should be sent to our mailing address at the same location. At Provident, we believe that our mission goes beyond just providing financial services. We strive to empower our members through personalized support and innovative banking solutions. Our goal is to enhance the financial well-being of each member while actively participating in community initiatives that uplift those around us. Over the years, we have achieved significant milestones. Today, our total assets stand at an impressive $3,510,110,738. This growth reflects our dedication to responsible lending and prudent financial management. We offer a wide range of services including personal banking accounts, auto loans, mortgage financing, and business banking options all designed with you in mind. As technology evolves, so do we. Our commitment to digital advancements ensures that members enjoy convenient access to online and mobile banking services. Whether you're making payments or checking your balance from home or on the go, we've made it easy for you. Our branch also features ATM availability for added convenience. Beyond banking services, we take pride in being a part of the community fabric through various outreach programs and partnerships with local organizations. Our drive to support local causes strengthens our connection with members and fosters a sense of belonging. Our operating hours are designed to fit your busy lifestyle: 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. Feel free to reach out at (650) 991-4729 if you have any questions or need assistance. We invite you to join us at Provident and discover how we can help you achieve your financial goals while making a positive impact in our community. Together, let's build a brighter future!

Branch Location & Accessibility

ATM Availability and Shared Services

Need quick cash? No problem! Our branch offers ATM access right on-site so you can withdraw cash or check your balance without stepping inside. If you're a member of another participating credit union, feel free to utilize our shared service center for basic transactions like deposits and withdrawals. While you can visit us at our physical location for all your banking needs, please remember that official correspondence should be sent to our mailing address at the same location: 2171 Junipero Serra Blvd., Ste. 150, Daly City, CA 94014. We invite you to stop by or call us at 650-991-4729 with any questions or to learn more about how we can assist you in achieving your financial goals. Come see why so many in Daly City trust Provident as their go-to credit union!

Accessibility and Parking

At Provident, we prioritize accessibility for all our members. Our branch features ADA-compliant facilities and ramps, ensuring that everyone can visit us comfortably. We also provide ample parking spaces, making it hassle-free for you to pop in whether you're on foot or driving.

Operating Hours and Services

Our doors are open during welcoming hours: 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 understand that your schedule can be busy, so we've tailored our hours to fit your needs. At Provident, we offer a range of services designed to help you manage your finances effortlessly. From personal banking options like checking and savings accounts to auto loans and mortgage services, we have what you need. Plus, our members benefit from online and mobile banking for added convenience.

Member Eligibility

Joining the Provident community is an exciting opportunity to be part of a welcoming and supportive network. We believe that everyone deserves access to quality financial services, and becoming a member is easier than you might think! To qualify for membership at Provident, you simply need to meet certain criteria, which typically include living, working, or attending school in the local area. This means if you're from Daly City or nearby communities, you are likely eligible! For more specific details about eligibility requirements, feel free to check out our website at . Once you know you're eligible, opening an account is a breeze. You can start your journey with us by visiting our branch located at 2171 Junipero Serra Blvd Ste 150 Daly City Ca 94014, where our friendly team is ready to assist you. If you prefer to call first, don't hesitate to reach out at (650) 991-4729 we're here to help! Becoming a member not only opens doors to various financial products but also connects you with a community that values your growth and well-being. We look forward to welcoming you into the Provident family!

Business Banking & Commercial Services

Loan Options That Fuel 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. Imagine a local café that dreams of expanding its seating area or a startup tech company looking to invest in cutting-edge equipment. With our flexible loan options, these ambitions can become reality, empowering owners to focus on what they do best serving their customers.

Merchant Services for Daily Operations

In addition to loans, we offer essential merchant services designed to simplify daily operations for businesses. Whether it's setting up payment processing systems or providing tools for inventory management, our services are here to streamline your workflow. For instance, a retail shop can easily accept card payments from customers, making transactions smooth and efficient. Located at 2171 Junipero Serra Blvd Ste 150 Daly City Ca 94014 in Daly City, CA, our team is dedicated to providing personalized service to meet your unique business needs. Connect with us today at (650) 991-4729 and discover how we can support your journey toward success!

Comprehensive List Of Services

Business Banking

For our business members, we offer robust solutions including merchant services and business loans. We're here to support your entrepreneurial journey by providing tools that help grow your business efficiently.

Credit Cards

We understand that rewards matter! Our credit cards with rewards are perfect for those who want to earn while they spend. Enjoy cashback offers or points toward exciting experiences, all while keeping your finances organized.

Digital Banking Features

Convenience is key in today's fast-paced world. That's why we provide top-notch online and mobile banking features. With these services, you can manage your accounts from anywhere check balances, transfer funds, and pay bills all with just a few taps on your smartphone. Plus, our ATM services ensure easy access to cash when you need it.

Mortgage Solutions

Homeownership is a significant milestone, and at Provident, we provide mortgage loans and refinancing options that can fit various budgets and goals. Whether you're buying your first home or looking to refinance an existing mortgage, our team is here to guide you through every step.

Personal Banking

Our personal banking services are designed with you in mind. We offer checking and savings accounts that help you manage your money easily. If you're considering purchasing a new vehicle, our auto loans and vehicle financing options make it simple to get behind the wheel. Need a little extra cash for a big purchase or unexpected expense? Our personal loans and debt consolidation solutions can help you take control of your finances.

Shared Branching Services

We also participate in shared branching, which means if you're a member of partner credit unions, you can conduct basic transactions like deposits and withdrawals right here at Provident. This service expands your access to funds without needing to visit multiple locations. If you're ready to explore how these services can benefit you or if you have any questions, don't hesitate to reach out! You can call us at (650) 991-4729 during our lobby hours: Monday through Thursday from 9 AM to 5 PM, Friday from 9 AM to 6 PM, and Saturday from 9 AM to 4 PM. At Provident, we're committed to making banking easier for everyone. Visit us today or check out our website at Branch Office to learn more about how we can assist you!

Digital & Online Banking

Key Features

Our online banking platform allows you to check balances, transfer funds, and pay bills with just a few clicks. Whether you're at home or on the go, managing your money has never been simpler. Plus, with features like e-statements, you can receive your account statements electronically, reducing clutter and providing quick access to important information. Need to send money to a friend or family member? Our person-to-person transfer service makes it easy to send funds instantly without hassle. For those who love using their smartphones, our mobile application is available for download, giving you all the tools you need right at your fingertips. You can even make mobile payments seamlessly when you're out shopping.

Security and Convenience

Your security is our top priority. With electronic signature authorization available, signing documents online is safe and straightforward. Our commitment to protecting your personal information ensures peace of mind as you navigate through your financial transactions. In a world where convenience matters, Provident aims to provide an accessible banking experience that fits into your life. With real-time account management and user-friendly features, we empower you to take control of your finances effortlessly. Explore the possibilities with our digital banking services today! Visit us at https://providentcu.org/ for more information or call us at (650) 991-4729 if you have any questions.

Financial Strength

Commitment to Growth and Service

Our commitment to our members is further 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. 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.

Growing Member Base

The trust placed in us by our community is evident with a total of 283,425 share accounts. This strong member base shows that many individuals choose Provident as their trusted partner for financial success. 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 2171 Junipero Serra Blvd Ste 150 Daly City Ca 94014 or call (650) 991-4729 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.

Reliable Operational Performance

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

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. Whether you are considering a brand-new vehicle or a reliable used one, our competitive rates and flexible terms make it easy for you to drive away with confidence.

Business Loans

For business owners, our outstanding commercial loans totaling $294,797,182 provide the capital needed to grow and expand your business. We understand the unique challenges businesses face and are here to support you every step of the way. At Provident, we prioritize your financial well-being by offering tailored loan solutions that suit your individual needs. If you're considering refinancing options or want to learn more about eligibility criteria, please don't hesitate to reach out! You can contact us at (650) 991-4729 or visit us at our branch located at 2171 Junipero Serra Blvd Ste 150 Daly City Ca 94014 in Daly City, 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 that next step toward achieving your financial dreams!

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 that you find a mortgage solution that fits your budget and lifestyle.

Unsecured Credit Card Loans

Managing finances can sometimes be challenging. That's 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. With our credit card offerings, you can enjoy convenience and rewards without the burden of high-interest rates.

Loan Aggregator

Benefits of Using LendMesh

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Provident