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

Introduction

Welcome to Provident, your trusted financial partner located at 22302 Foothill Blvd, Hayward, CA 94541. Since our establishment in 1950, we have proudly served the community and grown into a reliable credit union with over 134,964 members. Our commitment to providing personalized banking solutions has allowed us to accumulate total assets of $3,510,110,738 and total deposits reaching $383,244,145. At Provident, we believe in empowering our members through accessible financial services. We offer a range of products including auto loans, mortgages, personal loans, and business banking options tailored to meet your specific needs. With a total loan portfolio of 50,665 loans and leases, we are dedicated to supporting your financial journey every step of the way. Under the leadership of CEO James Ernest and Board President June Rothe, our team of 332 employees is always here to assist you. Whether you need help with online banking or advice on securing a loan, our knowledgeable staff is ready to provide exceptional service. While members can visit us at 22302 Foothill Blvd, official correspondence should be sent to 22302 Foodhill Blvd., Hayward, CA 94541. For any inquiries or assistance, feel free to call us at (510) 582-7269 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 4:00 PM. Join us at Provident today and experience the difference that comes with being part of a community-focused credit union. For more information about our services or to get started with your membership, visit our website at providentcu.org. Your financial success is just a step away!

Branch History & Mission

At Provident, we take pride in our rich history and unwavering commitment to serving our community in Hayward, California. Established in 1950, our branch has grown alongside the local population, adapting to their needs and aspirations. Located at 22302 Foothill Blvd, Hayward, CA 94541, we are not just a financial institution; we are a part of the community fabric. Over the years, Provident has built a strong membership base of 134,964 members who trust us with their financial needs. Our total assets now exceed an impressive $3.51 billion, reflecting our growth and stability. We have continuously evolved to offer services that matter most to our members everything from checking and savings accounts to auto loans, mortgages, personal loans, and business banking solutions. Our mission is simple yet profound: to provide accessible financial services while fostering a spirit of community support. At Provident, we believe that every member deserves a chance to achieve their financial goals. We strive to empower individuals and families by offering personalized service that makes banking easier and more convenient. In line with this mission, we offer various services designed for your convenience, including online and mobile banking features such as e-statements and mobile payments. We also have an ATM available for quick cash access. While we do not currently provide drive-thru service, our shared service center allows members of partner credit unions to access basic transactions easily. As technology advances, we remain committed to ensuring ADA compliance so that all members can access our services comfortably. Our operating hours are designed with you in mind: Monday through Thursday from 9:00 am to 5:00 pm, Friday until 6:00 pm, and Saturday from 9:00 am to 4:00 pm. Provident is also deeply involved in community outreach efforts. We partner with local organizations to support initiatives that uplift those in need. By focusing on giving back, we aim to make a real impact on the lives of those around us. We invite you to join us at Provident experience the difference of being part of a community-focused credit union. Whether you are looking for a new checking account or need assistance with loans or mortgages, our dedicated team is here for you. Let's work together towards achieving your financial dreams! For more information or inquiries, feel free to call us at 510-582-7269 or visit our website at providentcu.org.

Branch Location & Accessibility

Accessibility Features

We understand how important it is for everyone to access banking services easily. Our branch is ADA compliant, featuring ramps and accessible entrances to ensure that everyone feels welcome and comfortable.

Easy Access and Parking

Our location offers ample parking, making it easy for you to stop by anytime during our operating hours. We're open 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. If you need assistance outside of these hours, just give us a call at 510-582-7269.

Services Tailored for You

At Provident, we offer a variety of personal and business banking services including checking and savings accounts, auto loans, mortgage loans, and more. For those on the go, we also provide ATM services right here at our branch. While we don't have a drive-thru service available, our friendly staff is always ready to assist you inside.

Shared Services for Additional Convenience

If you are a member of another participating credit union, you can take advantage of our shared service center options for basic transactions like deposits and withdrawals. This makes banking even easier for you! While members can visit us at 22302 Foothill Blvd, official correspondence should be sent to 22302 Foothill Blvd., Hayward, CA 94541. We invite you to stop by and see how we can help with your financial needs. At Provident, we're not just about banking; we're about building community relationships that last. Come visit us today!

Member Eligibility

At Provident, we believe that becoming a member is about more than just having an account; it's about joining a supportive community that truly cares for you. If you're looking to become part of our family, you'll be pleased to know that membership is open to anyone who lives, works, or worships in the area surrounding our branch at 22302 Foothill Blvd Hayward Ca 94541. This means that whether you're a local resident, a dedicated employee, or an active participant in the community, you are welcome here! Joining us is simple and offers many benefits, such as competitive rates on loans and savings accounts, personalized service, and access to financial education resources designed to empower you. For more detailed information about eligibility requirements, feel free to check out our resource at . When you're ready to open your account or have any questions, don't hesitate to reach out at (510) 582-7269. We can't wait to welcome you into the Provident family!

Business Banking & Commercial Services

Merchant Services That Work for You

In today's fast-paced environment, having the right tools can make all the difference. Our merchant services simplify transactions, ensuring you can focus on what matters most growing your business. From payment processing solutions to cash management, we equip you with practical resources that streamline operations and enhance customer experiences. If you're ready to explore how Provident can help take your business further, visit us at 22302 Foothill Blvd Hayward Ca 94541, Hayward, CA or give us a call at (510) 582-7269. Let's build your success story together!

Tailored Loan Options

Imagine having the financial backing to expand your operations, purchase new equipment, or even open a new location. 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 Services

For our entrepreneurial members, we offer tailored business banking solutions, including merchant services and business loans. Running a business is challenging enough; let us help simplify your financial operations so you can focus on what matters most growing your business.

Convenient Access Anytime

With online and mobile banking, managing your accounts is as simple as tapping a button. Check balances, transfer funds, or pay bills from anywhere at any time. Plus, with convenient ATM access, withdrawing cash or checking balances is easy whether you're near home or traveling. We also provide basic shared branch transactions for members of partner credit unions, making it easier than ever to manage your money without any hassle.

Credit Cards and Rewards

We know how important it is to maximize rewards on everyday purchases. That's why our credit cards with rewards program allows you to earn points for every dollar spent points that can be redeemed for exciting rewards or cash back!

Let's Get Started!

Ready to take control of your financial future? Visit us at 22302 Foothill Blvd Hayward Ca 94541, call us at (510) 582-7269, or check out our website at Branch Office for more information about how we can serve you best. At Provident, we're committed to supporting our members every step of the way!

Personal Banking Solutions

When it comes to personal banking, we understand that everyone has different goals. That's why we offer checking and savings accounts that fit your lifestyle. Imagine having an account that not only helps you manage your daily expenses but also grows your savings over time. With competitive interest rates and easy access through our online and mobile banking platforms, keeping track of your finances has never been easier. If you're planning to purchase a vehicle, our auto loans and vehicle financing options provide flexible terms designed with you in mind. Picture yourself driving off in the car of your dreams with a manageable monthly payment. For those looking to invest in real estate, our mortgage loans and refinancing services can assist you every step of the way. Whether you're buying your first home or refinancing for a better rate, our experienced staff will guide you through the process. And if life throws unexpected expenses your way, don't worry! Our personal loans and debt consolidation options can help ease financial stress by providing quick access to funds.

Digital & Online Banking

Key Features

Explore our user-friendly online banking platform at https://providentcu.org/. Here, you can check your account balances, pay bills, and transfer funds with just a few clicks. One feature that stands out is our Electronic Signature Authorization, making it simple to sign documents without the need for paper just another way we're working to reduce hassle in your banking experience. You can also opt for E-Statements, which allow you to receive your account statements electronically. This not only helps you keep track of your finances easily but also contributes to a greener planet by reducing paper use. If you're always on the move, our Mobile Application provides an intuitive interface for banking right from your smartphone. You can enjoy features like Mobile Payments, allowing you to make purchases quickly and securely using your mobile device. Need to send money to friends or family? Our Person-to-Person Transfers feature makes it easy to send money directly from your account to theirs without any complicated steps.

Security and Support

Your security is our priority. We employ advanced security measures so you can bank with confidence knowing your information is protected. Plus, our dedicated support team is always ready to help if you have questions or need assistance navigating our services. With all these features available anytime through our online banking service, managing your finances has never been easier! Visit us today at https://providentcu.org/ and take control of your banking experience with Provident.

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 pride ourselves on maintaining robust financial health, ensuring that you can trust us with your hard-earned money. 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. This solid foundation is further highlighted by our net worth ratio of $1,027, demonstrating our commitment to capital stability. This means 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. We're proud to report $359,049,329 in undivided earnings. These earnings allow us to reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Additionally, with $13,697 in used auto loans and $2,598,460,252 in total loans and leases, our lending capacity supports your financial goals across various sectors. Our operational efficiency shines through as reflected by our $0. This performance enables 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 shows our ability to support member needs efficiently. The number of Total Share Accounts stands at 283,425, showcasing 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 22302 Foothill Blvd Hayward Ca 94541 or call (510) 582-7269 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 quick approvals to ensure you drive away with the vehicle you want without unnecessary delays.

Business Financing

For business owners seeking growth opportunities, our outstanding commercial loans totaling $294,797,182 provide the capital needed to expand and thrive in today's market. We believe in supporting local businesses and are here to help you navigate your financing options. Our team at Provident is committed to making financing accessible and straightforward. If you're considering refinancing or exploring eligibility options for any of our loan products, please reach out we're here to assist you! For more information about our loan offerings or to speak with one of our representatives, feel free to contact us at (510) 582-7269 or visit us at our branch located at 22302 Foothill Blvd Hayward Ca 94541. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

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 every step of the mortgage process so you feel confident and informed.

Unsecured Credit Card Loans

Managing everyday expenses can be challenging, which is 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, our credit cards come with various benefits tailored to fit your lifestyle.

Loan Aggregator

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Provident