Provident Credit Union Los Gatos CA | Affordable Auto Loans & Checking

Introduction

Welcome to Provident, your trusted financial partner located at 15425 Los Gatos Blvd, Los Gatos, CA 95032. Since our establishment in 1950, we have dedicated ourselves to serving our community with a commitment to excellence and member satisfaction. With a total membership of 134,964, we are proud to offer a wide range of financial services tailored to meet the diverse needs of our members. At Provident, we believe that everyone deserves access to sound financial products and personalized service. Our total assets exceed $3.5 billion, reflecting our stability and strength in the financial landscape. We manage over $383 million in deposits, ensuring that your hard-earned money is secure and accessible whenever you need it. Additionally, our total loans and leases amount to 50,665, showcasing our commitment to providing valuable lending solutions for both personal and business needs. Our team, led by CEO James Ernest and Board President June Rothe, is here to help you navigate your financial journey with confidence. With a dedicated staff of 332 employees, we prioritize building relationships with our members through trust and transparency. Whether you're looking for personal banking options, auto loans, mortgage financing, or business banking services, we are here to support you every step of the way. While members can visit us at our branch location, official correspondence should be sent to the same address: 15425 Los Gatos Blvd., Los Gatos, CA 95032. For any inquiries or assistance, feel free to reach out at (408) 358-1227. Join us at Provident today and experience the difference of being part of a community-focused credit union where your financial well-being is our top priority! Explore more about our services on our website: providentcu.org.

Branch History & Mission

Community Engagement

Our branch doesn't just focus on numbers; we believe in giving back to the community that supports us. Through various outreach efforts and partnerships with local organizations, we aim to make a real difference in the lives of those around us. Whether it's supporting local schools or participating in community events, Provident is dedicated to being a positive force in Los Gatos. While members can visit us at 15425 Los Gatos Blvd, official correspondence should be sent to 15425 Los Gatos Blvd., Los Gatos, CA 95032 if different. With convenient 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 along with ATM availability and shared service center options, we're here when you need us most. Join us at Provident today! Experience not just banking but a community-focused partnership that aims to help you achieve your financial goals. Call us at 408-358-1227 or visit our website at providentcu.org for more information on how you can become a member of our thriving family.

Our Mission

At Provident, our mission is clear: to provide personalized financial services that foster growth and stability for our members while actively engaging with the community. We understand that banking goes beyond transactions; it's about building relationships and empowering individuals. Our services include checking and savings accounts, auto loans, mortgage financing, personal loans, credit cards with rewards, and business banking solutions. We also strive to ensure accessibility for everyone. With features like online banking and mobile payments available to all members, we embrace technology without losing sight of personal connections. Our commitment extends to ADA compliance and customer-centric initiatives designed to make banking easier for everyone.

Branch Location & Accessibility

Accessibility Features

At Provident, we prioritize accessibility for all our members. Our location features ADA-compliant entrances and ramps to ensure that everyone can navigate our branch comfortably. Parking is available on-site, providing a hassle-free experience whether you're visiting us for personal banking or business needs.

Operating Hours

We understand that life can be busy! That's why we're open during convenient hours. Join us Monday through Thursday from 9:00 AM to 5:00 PM, Fridays from 9:00 AM to 6:00 PM, and Saturdays from 9:00 AM to 2:00 PM. Whether you need assistance with checking accounts or are looking into auto loans, our friendly team is here to help.

Services Offered

At Provident, we offer a wide range of services tailored to meet your financial needs. From personal banking options like checking and savings accounts to vehicle financing and mortgage loans, we've got you covered. Additionally, we provide ATM access for quick withdrawals and balance checks, along with shared branch services for members of partner credit unions. Please note that while we do not have drive-thru service at this branch, our dedicated staff is ready to assist you inside. While members can visit us at 15425 Los Gatos Blvd., official correspondence should be sent to the same address. If you have any questions or need further assistance, don't hesitate to call us at 408-358-1227. We invite you to come by Provident today and experience banking designed with you in mind!

Member Eligibility

At Provident, we believe that everyone deserves a chance to be part of a caring community that supports their financial journey. Becoming a member is simple and welcoming! If you live, work, or worship in the areas around 15425 Los Gatos Blvd Los Gatos Ca 95032, you're likely eligible to join us. We are dedicated to helping our members achieve their financial goals with personalized service and competitive rates. For more detailed information about eligibility criteria, feel free to check out our resource at . Joining is straightforward, and we're here to guide you through the process. Just give us a call at (408) 358-1227, and we can help you get started on opening your account. With membership at Provident, you're not just a number; you become part of a family that prioritizes your needs and aspirations. We can't wait for you to join us!

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.

Merchant Services Designed for You

In addition to financing, our merchant services streamline payment processing, allowing you to focus on what matters most growing your business. Imagine offering your customers a variety of payment options while keeping transaction fees low. Our services are designed with flexibility in mind, ensuring that you can adapt as your business evolves. Whether you're a member or looking to join our community, Provident is here to empower your entrepreneurial journey. Visit us at 15425 Los Gatos Blvd Los Gatos Ca 95032 or give us a call at (408) 358-1227 to learn more about how we can support your business today!

Comprehensive List Of Services

Business Banking

For our business members, we offer comprehensive banking solutions that include merchant services and business loans. Our goal is to support local businesses by providing the financial resources they need to thrive.

Commitment to Members

We understand that every financial journey is unique. At Provident, we're committed to helping our members navigate their financial choices with ease and confidence. Whether it's through personalized service at our branch or through digital channels like mobile payments and person-to-person transfers, we strive to meet your needs wherever you are. To learn more about how we can assist you in achieving your financial goals or if you have any questions about our services, don't hesitate to reach out! Give us a call at (408) 358-1227 or visit us online at Branch Office today!

Credit Options

When it comes to credit cards, we believe in rewarding our members. That's why our credit cards come with rewards that can be used for travel, shopping, or cash back. We aim to give you more value for your purchases.

Online and Mobile Banking

In today's fast-paced world, convenience is key. That's why Provident offers robust online and mobile banking features. You can easily check your balance, transfer funds, and pay bills from the comfort of your home or while on the go. Our ATM services also ensure that you can access cash when you need it without hassle.

Personal Banking

Our personal banking services include checking and savings accounts designed to help you manage your finances effectively. If you're planning to purchase a car, our auto loans and vehicle financing options can get you on the road with competitive rates. For those considering homeownership, we offer mortgage loans and refinancing options to make your dreams a reality. Additionally, our personal loans and debt consolidation services provide flexible solutions for managing expenses.

Shared Branch Transactions

If you're a member of one of our partner credit unions, you can still enjoy basic shared branch transactions at Provident. This means you can make deposits and withdrawals conveniently without needing to visit your home branch.

Digital & Online Banking

Key Services

Our online banking platform at https://providentcu.org/ provides you with 24/7 access to your accounts. Whether you want to check your balance, transfer funds, or pay bills, everything is just a few clicks away. Plus, with e-statements, you can easily view and manage your financial documents without the hassle of paper clutter. For those on the go, our mobile application offers all the features you need right in your pocket. You can make mobile payments quickly and securely, ensuring you're never left without cash when you need it most. Want to send money to a friend? Our person-to-person transfers make it simple and instant.

Security and Ease of Use

We take security seriously at Provident. Our services include electronic signature authorization, allowing you to sign documents digitally while keeping your information safe. Our online banking systems are designed with advanced security measures to protect your data so that you can bank with peace of mind. With these digital banking solutions, real-time account management is at your fingertips. No more waiting in line or rushing to get to the bank before closing hours! Experience the freedom and flexibility that comes with modern banking tools tailored just for you at Provident.

Financial Strength

Capital Foundation

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. This level of capital stability is crucial for building trust and confidence among our members.

Commitment to Growth

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. This commitment helps us remain responsive to your needs while fostering a culture of growth and improvement.

Dedicated Team

We also 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. Their dedication ensures that every visit or call you make is met with professionalism and care.

Focused on Members

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. This dedication to our membership base shapes everything we do.

Growing Member Base

Total Share Accounts: 283,425, showing a strong and growing member base that trusts us with their finances. This community of members reinforces the importance of what we do every day. 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 15425 Los Gatos Blvd Los Gatos Ca 95032 or call (408) 358-1227 to learn more about how we can help you achieve your financial goals.

Lending Capacity

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. Whether it's buying a new car or financing other needs, we're here to help make those dreams a reality.

Operational Efficiency

Our $0 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. A healthy income stream ensures that we can sustain quality service without compromising on value.

Secure 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. These options ensure your hard-earned money is not only safe but also working for you.

Strong Net Worth

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 robust position gives us the flexibility to adapt and grow, always keeping our members' best interests at heart.

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're considering financing a new vehicle or purchasing a reliable used car, our team is ready to provide guidance and support.

Business Loans

For business owners, our outstanding commercial loans totaling $294,797,182 provide the capital needed to grow and expand your business operations. We understand the challenges that come with running a business and are here to support you with funding solutions tailored for commercial needs. At Provident, we strive to empower our members through informed financial choices. Our performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Whether you're looking for an auto loan, mortgage options, or credit card solutions, we're here to help guide you toward making sound financial decisions. Reach out today and let's discuss how we can assist you!

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 work with you to find the right mortgage product that fits your budget and lifestyle. If you're interested in refinancing your current mortgage, we also have options available that could save you money on monthly payments.

Unsecured Credit Card Loans

Managing everyday expenses 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. Our credit cards come with various benefits that can suit your spending habits and help you stay on top of your budget.

Loan Aggregator

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Provident