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

Introduction

At Provident, we believe in creating a financial haven for our members, rooted deeply in the community of Fremont, CA. Established in 1950, we have grown alongside our members, currently serving over 134,964 individuals and families. Our branch, located at 39080 Argonaut Way, Fremont, CA 94538, is more than just a place to bank; it's a hub of support and opportunity. With total assets reaching an impressive $3,510,110,738 and total deposits of $383,244,145, we are committed to providing secure and accessible financial services tailored to your needs. Our diverse offerings include personal banking solutions like checking and savings accounts, auto loans, mortgages, and credit cards with rewards. We also cater to businesses with specialized banking services. Under the leadership of CEO James Ernest and Board President June Rothe, our dedicated team of 332 employees works tirelessly to ensure you receive the best possible service. Whether you need assistance with loans where we have facilitated a remarkable 50,665 loans and leases or you're looking for advice on savings strategies, we're here to help. While you can visit us at our branch for all your banking needs, please note that official correspondence should be directed to the same address: 39080 Argonaut Way, Fremont, CA 94538. We invite you to explore the range of services we offer by visiting our website at providentcu.org. If you have questions or need assistance right away, don't hesitate to call us at 510-494-9027 during our operating hours: Monday through Friday from 9:30 AM to 6:00 PM and Saturday from 9:00 AM to 4:00 PM. Join us at Provident as we continue to grow together your financial success is our mission!

Branch History & Mission

Community Connection

Our dedication to the community is reflected not only in our financial services but also through partnerships with local organizations aimed at making a positive impact. We take pride in being an active participant in community events and initiatives that enrich the lives of those we serve. As we continue into the future, we invite you to join us at Provident. Experience how we blend exceptional financial services with heartfelt community support. Whether you're looking for personal banking solutions or exploring options for business financing, we are here for you every step of the way. Contact us today at (510) 494-9027 or visit our website at providentcu.org to learn more about what we offer and how you can become part of our family!

Our Journey

Located at 39080 Argonaut Way, right near the bustling heart of Fremont, Provident has seen significant milestones throughout its journey. From our initial opening to today's advanced services, we've remained dedicated to serving our members' needs. We have continually adapted to changes in technology and member expectations while maintaining a strong focus on community involvement. Our headquarters in Redwood City, CA, provides us with strategic support and resources that enhance our local services. With operating hours from Monday through Friday, 9:30 AM to 6:00 PM and Saturday from 9:00 AM to 4:00 PM, we strive to make banking accessible for everyone in our community.

Our Mission

At Provident, our mission is clear: we aim to empower individuals and families by providing reliable financial services while fostering a sense of belonging within the community. We believe that banking should be more than just transactions; it should be about building relationships. Our commitment extends beyond offering checking and savings accounts or auto loans; it encompasses supporting local initiatives and outreach programs that uplift those around us. While members can visit us at 39080 Argonaut Way Fremont Ca 94538, official correspondence should be sent to 39080 Argonaut Way, Fremont, CA 94538. We also prioritize accessibility with features like ATM availability and shared service centers that extend our reach throughout the region.

Branch Location & Accessibility

Accessibility Features

At Provident, we understand the importance of accessibility. Our branch is equipped with ADA-compliant features, including ramps and designated parking spaces to ensure that everyone can visit us comfortably. We strive to create an inviting space where all members feel welcome.

Convenient Operating Hours

We know your time is valuable! That's why we're open Monday through Friday from 9:30 AM to 6:00 PM and on Saturday from 9:00 AM to 4:00 PM. This gives you plenty of opportunities to drop by after work or on the weekend. If you have any questions or need assistance, feel free to give us a call at 510-494-9027.

Services and Amenities

Our branch offers a variety of services designed to meet your personal and business banking needs. From checking and savings accounts to auto loans and credit cards with rewards, we've got you covered. Plus, with ATM availability right at our location, you can easily access your cash whenever you need it. While we don't offer drive-thru banking, our shared service center provides basic transactions for partner credit union members. We invite you to come visit us at Provident today! Experience our friendly service firsthand and discover how we can support your financial journey.

Member Eligibility

At Provident, we believe that everyone deserves a chance to be part of a welcoming community focused on your financial well-being. Becoming a member is simple and rewarding! If you live, work, or worship in our vibrant area, or if you're related to someone who is already a member, you can easily join us. We're here to support you with various financial services tailored just for our members. To find out more about the specific eligibility requirements, feel free to check out our detailed guidelines at . Opening an account is just as straightforward! You can start your journey toward membership by visiting us at 39080 Argonaut Way Fremont Ca 94538 or giving us a call at (510) 494-9027. Our friendly team is ready to assist you every step of the way. Join Provident today and experience the benefits of being part of a community that truly cares about your financial future!

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 can be the boost you need to take on new projects, hire additional staff, or invest in essential equipment. We also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions that make it easier for all local businesses to access capital.

Merchant Services

In today's fast-paced environment, having reliable merchant services is crucial. Our offerings include payment processing options that allow you to accept payments easily, whether in-store or online. Imagine the convenience of offering your customers various payment methods while streamlining your cash flow this is what we aim to provide. With an outstanding commercial loan portfolio of $294,797,182, we continue to drive economic growth by financing new and expanding businesses right here in Fremont, CA. Reach out today at (510) 494-9027 or visit us at 39080 Argonaut Way Fremont Ca 94538 to learn more about how we can support your business journey!

Comprehensive List Of Services

Business Banking Services

For our business members, we understand that managing finances can be challenging. That's why we offer tailored business banking solutions, including merchant services and business loans to help you grow your enterprise smoothly.

Convenient Access and Support

In addition to these services, we have an ATM available for easy cash withdrawals and balance checks. Our branch also provides basic shared branch transactions like deposits and withdrawals for partner credit union members, ensuring you have access to funds wherever needed. With the latest technology at your fingertips, accessing all these services has never been more straightforward. Our mobile app lets you handle most banking tasks from anywhere whether you're at home or on the go. If you're interested in learning more about how Provident can help meet your financial needs, don't hesitate to reach out! Give us a call at (510) 494-9027 or visit us at 39080 Argonaut Way Fremont Ca 94538 during our operating hours: Monday to Friday from 9:30 AM to 6:00 PM and Saturday from 9:00 AM to 4:00 PM. We're excited to assist you in reaching your financial goals!

Personal Banking Solutions

We offer various personal banking options, including checking and savings accounts that help you manage your money effectively. Imagine having the flexibility to access your funds anytime through our convenient online and mobile banking services. You can easily check balances, make transfers, and pay bills with just a few taps on your phone. If you're considering purchasing a vehicle, our auto loans and vehicle financing options can help make that dream a reality. With competitive rates and flexible terms, getting behind the wheel has never been easier. For those planning to buy a home, we provide comprehensive mortgage loans and refinancing solutions tailored to fit your budget.

Supporting Your Financial Goals

For unexpected expenses or debt management, our personal loans and debt consolidation services give you the support you need when life throws curveballs. Plus, if you're looking for a credit card that rewards you for your spending habits, our credit cards with rewards can help you earn points while making everyday purchases.

Digital & Online Banking

Mobile Banking Features

Stay connected on the go with our user-friendly mobile application. Whether you're making purchases through mobile payments or sending money directly to friends and family with person-to-person transfers, we've got you covered. Managing your finances is now as easy as pulling out your phone.

Round-the-Clock Access

With 24/7 online banking services, you can handle your financial needs at any time that suits you. No more rushing to the bank before closing hours! Our platform provides real-time account management so that you're always up-to-date on your finances. At Provident, we prioritize your security while ensuring that our digital services are accessible and straightforward. Embrace the convenience of modern banking today and discover how easy it is to manage your money with us!

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. We want you to feel confident in your choice of banking partner, knowing that your finances are in capable hands. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. 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 impressive as well; with $13,697 in used auto loans and $2,598,460,252 in total loans and leases, we support members' financial goals across various sectors. 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. Net Shares (Funds available for lending and investments): $6,101,921. Total Share and Deposit 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 39080 Argonaut Way Fremont Ca 94538 or call (510) 494-9027 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 rates to ensure you can find the financing solution that fits your budget. Plus, refinancing options are available if you're looking to lower your monthly payments or consolidate existing auto debt.

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 looking to enhance your existing operations, our team is here to support your business ambitions. We invite you to reach out and learn more about how our loan offerings can help you achieve your financial goals. You can contact us at (510) 494-9027 or visit us at our branch located at 39080 Argonaut Way Fremont Ca 94538 in Fremont, 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.

Credit Lines and Unsecured Loans

For those looking for extra financial flexibility, our credit lines offer convenient access to funds whenever you need them. With total credit lines reaching $1,346,922,422, you can manage cash flow effectively without the stress. Additionally, we also provide flexible terms on unsecured credit card loans, with a total of $44,004,033 in loans helping members manage their finances 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 aim to guide you through the mortgage process with personalized service and expertise, ensuring you find the right plan tailored to your circumstances.

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Provident