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

Introduction

Welcome to Provident, your trusted financial partner located at 4937 Telegraph Ave, Oakland, CA 94609. Since our establishment in 1950, we have been dedicated to serving our community with a strong commitment to providing personalized banking solutions. With a total membership of over 134,000 members, we take pride in fostering relationships built on trust and reliability. At Provident, we understand the importance of financial stability. Our assets amount to an impressive $3,510,110,738, ensuring that we are well-equipped to meet your financial needs. Whether you're looking for personal banking options like checking and savings accounts or need financing through auto loans and mortgages, our diverse services cater to all aspects of your financial journey. While you can visit us at our Oakland branch for all your banking needs, please send any official correspondence to our mailing address at 303 Twin Dolphin Dr, Redwood City, CA 94065-1497. Our leadership team is committed to providing exceptional service; under the guidance of CEO James Ernest and Board President June Rothe, we strive to create a welcoming environment where every member feels valued. With a dedicated staff of 332 employees, we're here to assist you with a range of services including online banking and credit card rewards. Ready to explore how Provident can support your financial goals? Feel free to call us at (510) 658-3657 or visit our website at providentcu.org. Join us today and experience the difference of being part of a credit union that truly cares about its members!

Branch History & Mission

At Provident, we proudly celebrate a rich history that dates back to our opening in 1950. Located at 4937 Telegraph Ave, Oakland, CA 94609, our branch has grown from humble beginnings into a cornerstone of the community, serving over 134,964 members and managing total assets of $3,510,110,738. Our mission has always been clear: to provide accessible financial services while fostering community support and growth. From the outset, Provident was designed with its members in mind. We have evolved significantly over the decades, adapting to the changing needs of our community. Our commitment to personal banking offering checking and savings accounts, auto loans, mortgages, and business banking services has remained steadfast. We take pride in being more than just a financial institution; we are a partner in our members' journeys towards financial wellness. Our headquarters in Redwood City, CA serves as a hub for innovation and service. While members can visit us at our Oakland branch for all their banking needs 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 official correspondence should be sent to 303 Twin Dolphin Dr, Redwood City, CA 94065-1497 if different from the branch address. At Provident, we believe in supporting not only our members but also the communities we serve. Through various outreach initiatives and partnerships with local organizations, we strive to make a meaningful impact on those around us. Our focus on customer service extends beyond traditional banking; it includes digital advancements like online and mobile banking options that ensure convenience and accessibility for everyone. As we move forward into the future, we remain dedicated to upholding our mission of providing exceptional financial services while being an active participant in community development. We invite you to join us at Provident! Experience firsthand how we can help you achieve your financial goals while making a difference in your community. For any inquiries or assistance, don't hesitate to call us at 510-658-3657 we're here for you!

Branch Location & Accessibility

Accessibility Features

At Provident, we prioritize accessibility for all our members. Our branch is ADA compliant, featuring ramps and other accommodations to ensure everyone can visit us comfortably. Plus, parking is available nearby, making your trip to our branch hassle-free.

Nearby Landmarks

You can find us close to several well-known spots. If you're in the area visiting Lake Merritt or enjoying a meal at one of the local eateries, swing by and say hello!

Operating Hours

We understand that your time is valuable. That's why we offer convenient 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 want to make sure that you have ample opportunity to meet your banking needs.

Services Offered

When you visit Provident, you'll find a range of personal and business banking options available just for you. From checking and savings accounts to auto loans, mortgage loans, and credit cards with rewards there's something for everyone! While we don't have an ATM on-site or drive-thru service at this location, our friendly staff is always ready to assist you in person. If you need any assistance or have questions about our services, feel free to give us a call at 510-658-3657. We're here to help! While members can visit us at 4937 Telegraph Ave, official correspondence should be sent to our mailing address at 303 Twin Dolphin Dr, Redwood City, CA 94065-1497. We invite you to come experience the Provident difference today!

Member Eligibility

Joining the Provident community is a wonderful way to take control of your financial future while being part of a supportive network. At Provident, we welcome individuals who live, work, or worship in the areas we serve, as well as their family members. This means that if you're connected to our vibrant community in any way, you can easily become a member! By choosing Provident, you'll gain access to a range of benefits such as competitive rates on loans and savings accounts, personalized service from our friendly staff, and valuable resources tailored to help you achieve your financial goals. If you're curious about the specifics of membership eligibility, feel free to check out more detailed information at this link. When you're ready to open an account or have any questions, don't hesitate to reach out to us at 510-658-3657. We're here to help you every step of the way!

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. - With an outstanding commercial loan portfolio of $294,797,182, we continue to drive economic growth by financing new and expanding businesses. Imagine being able to invest in new equipment, hire additional staff, or open another location all possible with our flexible financing solutions designed just for you.

Merchant Services That Work for You

In addition to loans, we offer merchant services that simplify transactions and enhance customer experiences. Picture this: A customer walks into your store, makes a purchase using their smartphone, and you receive the payment instantly. This ease not only boosts sales but also keeps your customers happy. Whether you're located at 4937 Telegraph Ave Oakland Ca 94609 in Oakland, CA, or beyond, we're here to help you thrive. For more information about how our business banking solutions can make a difference for you, call us at (510) 658-3657 today!

Comprehensive List Of Services

Business Banking Support

For our entrepreneurial members, we offer robust business banking services including Merchant Services and Business Loans. Whether you're starting a new venture or looking to expand an existing one, our dedicated team is here to support you every step of the way. We understand the unique challenges businesses face and tailor solutions that work best for you.

Credit Cards and Rewards

In today's world, having a credit card can provide not just convenience but also rewards. Our credit cards come with attractive benefits that allow you to earn points on everyday purchases. Picture yourself earning cash back or travel rewards just by using your card for regular expenses it's an easy way to make the most of your spending.

Digital Banking Convenience

In today's fast-paced environment, convenience is key. That's why we provide online and mobile banking features that allow you to manage your finances anytime, anywhere. From checking your account balances to making transfers or paying bills, our secure digital platforms keep you connected without the hassle of visiting the branch.

Get in Touch

At Provident, we're here to serve you! If you have any questions or want to learn more about how our services can benefit you, don't hesitate to reach out at (510) 658-3657. Visit us during our operating hours: M-Th 9-5; F 9-6; S 9-2. We look forward to helping you on your financial journey!

Personal Banking Solutions

Whether you're looking to open a checking or savings account, our personal banking services are tailored to fit your lifestyle. With Personal Banking (Checking & Savings Accounts); Auto Loans & Vehicle Financing; Mortgage Loans & Refinancing; Personal Loans & Debt Consolidation; Credit Cards with Rewards; Business Banking (Merchant Services & Business Loans); Online & Mobile Banking; ATM & Cash Withdrawal Services options like Auto Loans and Mortgage Loans, we make financing simple and accessible. Imagine driving off in a new car or securing your dream home our competitive rates on auto loans and refinancing options can help turn those dreams into reality.

Digital & Online Banking

Key Services Available

Explore the capabilities of our online banking platform at https://providentcu.org/. With 24/7 access to your accounts, you can check balances, make payments, and transfer funds whenever you need to. Whether it's day or night, your finances are just a click away. Need to send money quickly? Our person-to-person transfers allow you to send money directly to friends or family with just a few taps on your smartphone. It's perfect for splitting bills or sending gifts without any hassle. We also prioritize security. Our electronic signature authorization means you can sign important documents securely from the comfort of your home. Plus, with e-statements available, you can easily track your spending and access your financial information without the clutter of paper statements.

Mobile Banking Experience

Stay on top of your finances with our mobile application, available for download on your favorite app store. Enjoy features like mobile payments that let you pay directly from your phone making checkout quick and easy wherever you go. Our platform is designed for simplicity and accessibility, ensuring that every member can navigate their accounts with ease. You'll appreciate how straightforward it is to manage your banking tasks while feeling confident in the security measures we have in place. Whether you're checking balances during a lunch break or making an urgent transfer late at night, Provident is here to support you every step of the way with reliable digital banking solutions that fit into your busy lifestyle.

Financial Strength

Committed Team

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. Our dedication extends beyond numbers; it's about building relationships that matter.

Conclusion

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 Oakland Ca 94609 or call (510) 658-3657 to learn more about how we can help you achieve your financial goals. For more detailed performance insights and financial data, refer to the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Investing Back into Our Community

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 with $13,697 in used auto loans and $2,598,460,252 in total loans and leases.

Member-Centric Focus

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.

Our Financial Health

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're considering financing a new or used vehicle, our competitive rates and flexible terms make it easy to drive away in the car you want.

Business Loans

For business owners seeking growth opportunities, our outstanding commercial loans totaling $294,797,182 provide the capital needed to expand operations or invest in new projects. We understand the unique challenges faced by businesses today and are here to support your journey. At Provident, we also offer refinancing options across various loan types to ensure you're getting the best possible rates and terms tailored to your current financial situation. If you're interested in exploring eligibility options or would like more information on how we can assist you further, please don't hesitate to reach out. 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 invite you to visit us at our branch or online at providentcu.org to learn more about how we can help fulfill your financial aspirations.

Credit Lines and Unsecured Loans

If you're looking for flexibility in managing your finances, we also offer total credit lines of $1,346,922,422 that can help with larger purchases or unexpected expenses. Additionally, our unsecured credit card loans amounting to $44,004,033 allow for easier management of daily costs without collateral requirements.

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $128,082,130, making buying or refinancing simple. We provide guidance through every step of the mortgage process, ensuring you have all the information needed to make an informed decision.

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Provident