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

Introduction

Welcome to Provident, your trusted financial partner located at 2475 Iron Point Rd Ste 110, Folsom, CA 95630. Since our establishment in 1950, we have proudly served our community, growing to a membership of over 134,964 individuals. With total assets exceeding $3.5 billion, we are committed to providing reliable and personalized banking services that meet your unique needs. At Provident, we believe in the power of community. Our dedicated team, led by CEO James Ernest and Board President June Rothe, works tirelessly to ensure that every member feels valued and supported. We offer a wide range of services, including checking and savings accounts, auto loans, mortgages, personal loans, credit cards with rewards, and business banking solutions. Whether you're looking to finance a new vehicle or consolidate debt, we're here to help you achieve your financial goals. While members can visit us at our branch location for all their banking needs, official correspondence should be sent to our mailing address at 2475 Iron Point Road #110, Folsom, CA 95630. With a strong focus on member satisfaction and a commitment to transparency reflected in our net worth of $360 million and robust cash reserves of $8.2 million we strive to be the credit union you can trust. Discover the difference that comes from being part of a community-focused credit union. Feel free to reach out by calling us at 916-983-1851 during our operating 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 2:00 pm. We invite you to explore our services further at providentcu.org and experience how we can support you on your financial journey!

Branch History & Mission

Looking Ahead

As we look to the future, Provident remains dedicated to enhancing member experiences with digital advancements and customer-centric initiatives. With an ATM available on-site and shared service centers nearby for added convenience, we strive to ensure every interaction is smooth and satisfactory. Join us as we continue this journey of growth and community support. Experience firsthand what it means to be a part of Provident where your financial well-being is at the heart of everything we do. If you're not already a member, consider joining us today! For inquiries or assistance, feel free to reach out at 916-983-1851 during our operating hours: Monday through Thursday from 9 AM to 5 PM, Friday from 9 AM to 6 PM, and Saturday from 9 AM to 2 PM. Together with you, we're building a brighter financial future!

Our Mission

Our mission at Provident is simple yet powerful: to provide accessible financial services while fostering strong community ties. We believe that everyone deserves a chance to achieve their financial goals without barriers. Whether it's through personal banking options like checking and savings accounts or loans tailored for vehicles and mortgages, we are here to empower our members. We also recognize that financial wellness goes beyond banking services. That's why we actively engage in community outreach efforts and partnerships aimed at supporting local initiatives. Our commitment extends to providing top-notch online and mobile banking services that allow you to manage your finances anytime, anywhere. While members can visit us at our Folsom branch location for all their banking needs, official correspondence should be sent to our mailing address: 2475 Iron Point Road #110, Folsom, CA 95630.

Branch Location & Accessibility

Accessibility Features

At Provident, we ensure that everyone can easily access our services. Our branch is equipped with ADA-compliant features, including ramps and designated parking spaces for those who need them. Whether you're stopping by to manage your accounts or apply for a loan, we make it easy for you to get in and out.

Operating Hours

We understand that life can get busy! That's why we offer flexible operating hours. You can visit us 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 2:00 PM. Our team is here to assist you during these times with anything from personal banking services to loan inquiries.

Services Offered

At Provident, we offer a variety of services designed to meet your financial needs. Enjoy personal banking options like checking and savings accounts, as well as auto loans and mortgage refinancing. Plus, with ATM availability right at our location, you can easily access cash when you need it most. While we don't have drive-thru banking available, our shared service center allows members of partner credit unions to perform basic transactions like deposits and withdrawals. We invite you to stop by or call us at 916-983-1851 if you have any questions or need assistance. Our friendly team looks forward to helping you achieve your financial goals!

Member Eligibility

Joining the Provident family is a wonderful opportunity to access a supportive community that prioritizes your financial well-being. Membership is open to anyone who lives, works, worships, or attends school in the area around 2475 Iron Point Rd Ste 110 Folsom Ca 95630. This means that whether you're a long-time resident or new to the Folsom area, you can become a part of our community and enjoy all the benefits that come with it. By becoming a member, you'll have access to personalized banking services, competitive loan rates, and resources designed to help you thrive financially. Opening an account with us is simple and welcoming! Just give us a call at (916) 983-1851 for any questions you might have or visit our website for more information on eligibility details. You can find everything you need about membership qualifications at this link. We can't wait to welcome you into the Provident family!

Business Banking & Commercial Services

Merchant Services that Matter

In addition to loans, we offer merchant services that simplify transactions and help your business thrive. Imagine having the ability to accept payments anytime, anywhere, while keeping track of sales seamlessly. Our services make it easier for you to focus on what matters most growing your business. Visit us at 2475 Iron Point Rd Ste 110 Folsom Ca 95630 or call us at (916) 983-1851 to learn how our business banking solutions can elevate your company's success!

Tailored Business Loans

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. - We also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions. - 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

Connect with Us Today!

Whether you're already a member or considering joining us at Provident, we're here to help you every step of the way. For more information about our services or to speak with one of our friendly representatives, call us at (916) 983-1851 or visit us at 2475 Iron Point Rd Ste 110 Folsom Ca 95630 in Folsom. Let's work together towards your financial goals!

Convenient Access Anytime, Anywhere

Understanding the importance of convenience, we offer ATM services for quick cash withdrawals and balance checks whenever you need them. Our shared branch transactions allow members from partner credit unions to make deposits and withdrawals seamlessly at our location. This means whether you're at home or traveling, you can manage your money without hassle.

Credit Cards & Business Solutions

For those who enjoy rewards on their purchases, our credit cards come with great benefits that can make everyday spending more rewarding. Plus, if you're a business owner, you'll find our business banking solutions invaluable. From merchant services to business loans, we support local enterprises in achieving their goals.

Personal Banking Made Easy

Starting with personal banking, we offer checking and savings accounts that fit your lifestyle. You can easily access your funds through our online and mobile banking platforms. Imagine being able to check your balance or make transfers right from your smartphone! Our services also include auto loans and vehicle financing, perfect for those looking to purchase a new car or refinance an existing loan. We guide you through the process so you can drive away with confidence. If you're considering buying a home, our mortgage loans and refinancing options are designed to help you secure the best possible terms. We also provide personal loans for debt consolidation or other needs. With competitive rates and friendly service, managing your financial obligations becomes a breeze.

Digital & Online Banking

At Provident, we understand that managing your finances should be as easy and secure as possible. That's why we offer a range of digital and online banking services designed to fit your lifestyle, giving you access to your accounts anytime, anywhere. With our 24/7 online banking services available at https://providentcu.org/, you can check balances, transfer funds, and pay bills from the comfort of your home or on the go. Whether you're using a computer or our user-friendly mobile application, managing your money has never been simpler. Plus, with features like person-to-person transfers, sending money to friends or family is quick and hassle-free. We prioritize your security, which is why we utilize electronic signature authorization for your peace of mind when signing important documents. And if you prefer going paperless, our e-statements make it easy to stay organized while helping the environment. Additionally, if you're someone who loves convenience, you'll appreciate our mobile payments feature. This allows you to make purchases directly from your smartphone without needing cash or cards. It's all about making transactions smoother and faster for you. At Provident, we believe in empowering our members through technology while ensuring that help is always just a click away. Explore all these fantastic features today by visiting us at https://providentcu.org/ and take control of your financial journey!

Financial Strength

Growing Member Base

Our total share accounts stand at 283,425, demonstrating a strong and growing member base that trusts us with their finances. Additionally, net shares available for lending and investments amount to $6,101,921, further supporting our mission to provide exceptional service. 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 2475 Iron Point Rd Ste 110 Folsom Ca 95630 or call (916) 983-1851 to learn more about how we can help you achieve your financial goals.

Operational Efficiency

Our strong performance is also reflected in our $0, showcasing our operational efficiency. This enables us to continue offering competitive loan rates and solid financial products for our members. We 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.

Reinvesting in Member 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.

Secure Savings Opportunities

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.

Strong 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.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans provide 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 assisting members in getting on the road. Whether you're purchasing a brand-new vehicle or a reliable used car, our flexible financing options can make it easier for you.

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 that having access to funds when you need them is crucial for success.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $128,082,130, simplify the process of buying or refinancing your home. We aim to support you every step of the way, making it easier to secure a place you can truly call your own.

Refinancing Options

If you're considering refinancing any of your existing loans, we encourage you to explore our options. Refinancing can be an excellent way to lower your monthly payments or consolidate debt into one manageable payment. For further details about our loan offerings or if you have questions regarding eligibility, feel free to contact us at (916) 983-1851. Our dedicated team is here to assist you during operating hours: M-Th 9:00 am - 5:00 pm, F 9:00 am - 6:00 pm, and Sat 9:00 am - 2:00 pm at our branch located at 2475 Iron Point Rd Ste 110 Folsom Ca 95630 in Folsom, 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 the next step toward achieving your financial goals!

Unsecured Credit Card Loans

Managing finances effectively is essential, and we also offer flexible terms on unsecured credit card loans, with a total of $44,004,033 in loans helping members navigate their expenses with ease. These cards are designed to provide convenience without tying up your assets.

Loan Aggregator

How LendMesh Ensures Accurate Loan Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov). This ensures fair and transparent offers for all users. LendMesh provides several key benefits to users looking for loans: - Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions its goal is to provide unbiased results. - Real-Time Rate Comparisons: Users receive up-to-date loan rates from multiple institutions, helping them make informed decisions. Thousands of users trust LendMesh for their loan comparisons. One satisfied member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!"

Take Action

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.

Provident