Provident Credit Union Oakland CA | Top Checking & Quick Personal Loans

Introduction

Welcome to Provident, your trusted financial partner located at 4937 Telegraph Ave Ste D, Oakland, CA 94609. Since our establishment in 1950, we have dedicated ourselves to serving our community with reliable banking solutions and personalized service. With a membership of over 134,964, we are proud to be a part of your financial journey. At Provident, we believe that banking should be about more than just transactions; it's about building relationships and supporting our members' dreams. Our total assets amount to an impressive $3,510,110,738, reflecting our commitment to financial strength and stability. We offer a range of services from personal banking options like checking and savings accounts to auto loans, mortgages, and business banking solutions. With $383,244,145 in deposits and a net worth of $360,706,481, you can trust us to keep your money secure while helping you grow. Led by our CEO James Ernest and Board President June Rothe, our team of 332 employees is here to ensure you receive the best possible service every time you visit or contact us. Whether you need assistance with loans (with total loans reaching 50,665) or want to explore our credit card offerings, we're here for you. While members can visit us at our branch location in Oakland, official correspondence should be sent to 303 Twin Dolphin Dr, Redwood City, CA 94065-1497. Feel free to reach out by calling us at 800-632-4600 or visiting our website at providentcu.org for more information on how we can assist you today! Your financial well-being is our top priority let's achieve great things together!

Branch History & Mission

Welcome to Provident, a cornerstone of the Oakland community since 1950. Our branch, located at 4937 Telegraph Ave Ste D, Oakland, CA 94609, has a rich history that reflects our commitment to serving our members and fostering financial wellness. With over seven decades of growth and service, we are proud to have built a strong foundation that supports not just our members but the entire community. From our humble beginnings to becoming a trusted financial institution with a total membership of 134,964 and total assets reaching $3,510,110,738, Provident has consistently focused on meeting the evolving needs of our members. Our mission is simple yet profound: we aim to provide accessible financial services while promoting economic empowerment in the neighborhoods we serve. We believe that everyone deserves the opportunity to achieve their financial goals. Over the years, we have embraced advancements in technology to enhance member experience. Today, we offer a range of digital banking services including online banking and mobile payments that make managing finances easier than ever. We also pride ourselves on being ADA compliant, ensuring that all members can access our services comfortably and conveniently. While our main office is based in Redwood City, CA, we invite you to visit us at our Oakland branch for personalized assistance. Should you need to send official correspondence, please use our mailing address: 303 Twin Dolphin Dr, Redwood City, CA 94065-1497. At Provident, community support is at the heart of what we do. We actively engage in partnerships and outreach programs aimed at uplifting those around us. Whether it's through financial literacy workshops or local sponsorships, we strive to make a positive impact on the lives of our members and neighbors alike. If you're looking for more than just a bank if you want a partner invested in your success join us at Provident today. Experience firsthand how our dedicated team can help you navigate your financial journey with confidence. For inquiries or assistance, feel free to reach us at 800-632-4600 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, let's build a brighter financial future!

Branch Location & Accessibility

Welcome to Provident, your friendly credit union branch located at 4937 Telegraph Ave Ste D in the vibrant city of Oakland, CA. We're right in the heart of Alameda County, making it easy for you to access a range of banking services that cater to your needs. Whether you're coming from nearby landmarks like the historic Fox Theater or exploring the local shops, our location is convenient and welcoming. At Provident, we prioritize accessibility for all our members. Our branch features ADA-compliant entrances and parking options, ensuring that everyone can visit us with ease. If you need assistance or have questions about our services, our friendly staff is always ready to help you 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. We also understand the importance of flexibility in today's busy world. While we do not offer drive-thru banking at this location, you can take advantage of our ATM services available on-site for quick cash withdrawals and balance inquiries. Plus, if you're unable to visit us in person, don't forget that you can manage your accounts online or via mobile banking. While members can visit us at 4937 Telegraph Ave Ste D Oakland Ca 94609, official correspondence should be sent to our mailing address at 303 Twin Dolphin Dr, Redwood City, CA 94065-1497. This ensures that all your important communications reach us without delay. Ready to explore what Provident has to offer? Give us a call at 800-632-4600 or stop by for a chat! We're excited to assist you with personal banking solutions including checking and savings accounts, auto loans, mortgages, and more. Join us today and discover how we can support your financial journey!

Member Eligibility

Becoming a member of Provident is like joining a warm and welcoming family that truly cares about your financial well-being. To qualify, you simply need to reside or work in the communities we serve, making it an inclusive space for those who want to benefit from our personalized services. The eligibility criteria are straightforward and designed to ensure that everyone can find their place here. You can explore all the details about eligibility on our website at . Joining us is easy! Once you've confirmed your eligibility, you can open an account online or visit us at our convenient location at 4937 Telegraph Ave Ste D Oakland Ca 94609. Our friendly team is always ready to assist you with any questions feel free to give us a call at (800) 632-4600. We look forward to welcoming you into our community where you'll enjoy great benefits tailored just for you!

Business Banking & Commercial Services

Merchant Services That Work for You

In addition to loans, our merchant services provide practical solutions that help streamline your operations. Imagine being able to process payments seamlessly at your shop on 4937 Telegraph Ave Ste D Oakland Ca 94609 in Oakland, CA. Our services include everything from credit card processing to online payment options, making it easier for you to focus on what truly matters growing your business. Contact us today at (800) 632-4600 to learn how Provident can be your partner in success!

Tailored 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. - 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

For entrepreneurs and small business owners, we offer comprehensive business banking services, including merchant services and business loans. This means whether you're launching a startup or expanding an existing business, we've got your back with the right tools and resources.

Credit Cards

When it comes to spending, our credit cards with rewards let you earn points on every purchase. Whether you're planning a vacation or simply enjoying a night out, you can benefit from rewards that add up over time.

Digital Banking Features

In today's fast-paced world, convenience is key. That's why Provident provides robust online and mobile banking features. You can easily check your balances, transfer funds, and pay bills from anywhere at any time. Our ATM services also ensure that cash withdrawals and balance checks are just a click away.

Member Support

We're here for you! If you have questions about any of our services or need assistance, don't hesitate to call us at (800) 632-4600. Our friendly staff is eager to assist you 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. As part of the community in Oakland, we're committed to providing personalized financial solutions that empower our members every day. Come visit us at 4937 Telegraph Ave Ste D Oakland Ca 94609, or explore more about what we offer at our website. Let's work together to achieve your financial dreams!

Personal Banking

Our personal banking services are designed with you in mind. From checking and savings accounts that help you manage your everyday expenses to auto loans and vehicle financing options, we make it easier for you to get behind the wheel of your dream car. If you're looking to buy a home, our mortgage loans and refinancing solutions can help you secure the best rate available. We understand that life can be unpredictable, which is why our personal loans and debt consolidation options provide flexibility when you need it most.

Digital & Online Banking

Accessibility and Ease-of-Use

If you prefer using mobile payments, we've got you covered! Our mobile payments feature allows you to make purchases directly from your device, making everyday transactions quick and convenient. You can also enjoy real-time account management through our mobile app whether it's checking your balance or setting up alerts for transactions. With all these features at your fingertips, managing your money has never been easier. Join us at Provident as we embrace the future of banking while keeping your needs at the forefront. Experience how our digital and online banking services can simplify your financial life today!

Key Features

Our online banking services provide 24/7 access to your accounts, allowing you to check balances, transfer funds, and pay bills from the comfort of your home or on the go. With our user-friendly mobile application, managing your finances is just a tap away. Whether you're making person-to-person transfers or keeping track of your spending habits, we've made it simple and secure. Security is a top priority for us. Our electronic signature authorization feature ensures that your transactions are protected while offering you the flexibility to complete important documents without needing to visit a branch. Plus, with e-statements available, you can easily keep track of your financial activity without the clutter of paper statements.

Financial Strength

Growing Membership Base

With total share accounts at 283,425, we demonstrate a strong and growing member base that trusts us with their finances. Our net shares amount to $6,101,921, showcasing the funds available for lending and investments. 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 4937 Telegraph Ave Ste D Oakland Ca 94609 or call (800) 632-4600 to learn more about how we can help you achieve your financial goals.

Investment in 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. Our lending capacity supports members' financial goals with $13,697 in used auto loans and a total of $2,598,460,252 in loans and leases available for various needs.

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.

Operational Efficiency

Our operational efficiency is reflected in our $0, 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 interested in financing a brand-new vehicle or a reliable used car, our team is here to guide you through the process.

Commercial Loans

For business owners, our outstanding commercial loans totaling $294,797,182 provide the capital needed to grow and expand. We know how essential it is for businesses to have access to funds when they need them most. At Provident, we also offer refinancing options on many of our loan products. If you're considering refinancing your existing loans for better terms or lower rates, our team is ready to assist you. Our branch is conveniently located at 4937 Telegraph Ave Ste D Oakland Ca 94609 in Oakland, CA, making it easy for you to visit us or give us a call at (800) 632-4600 during our operating hours: M-Th 9-5; F 9-6; S 9-2. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. We are committed to helping you find the right financing solutions tailored just for you! Visit us today and let's discuss how we can help you succeed financially.

Credit Lines

For those who need more flexibility, our total credit lines amounting to $1,346,922,422 provide an excellent solution for managing unexpected expenses or funding personal projects.

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 personalized support to help you understand your options and find the best fit for your financial situation.

Unsecured Credit Card Loans

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. These cards can be a great way to build credit while enjoying convenience and rewards.

Loan Aggregator

Benefits of Using LendMesh

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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 that all offers are fair and transparent, allowing users to trust the information they receive. Each loan listing is verified for accuracy, so you can feel confident that you are seeing legitimate offers from reputable lenders.

Provident