Provident Credit Union Palo Alto CA | Low Mortgage Rates & Quick Personal Loans

Introduction

Welcome to Provident, your trusted partner in financial well-being, located conveniently at 2390 El Camino Real Ste 110, Palo Alto, CA 94306. Since our establishment in 1950, we have been dedicated to serving our community with personalized banking solutions tailored to meet your needs. With a strong membership of over 134,964 individuals, we pride ourselves on fostering relationships built on trust and mutual growth. At Provident, we understand that financial stability is key to achieving your dreams. That's why our total assets have grown to an impressive $3,510,110,738, allowing us to offer a wide range of services including personal banking, auto loans, mortgages, and business financing. Currently, we hold $383,244,145 in deposits and have issued a total of 50,665 loans and leases to empower our members financially. Our commitment to excellence is reflected not only in the numbers but also in our leadership. Under the guidance of CEO James Ernest and Board President June Rothe, our dedicated team of 332 employees works tirelessly to provide exceptional service every day. Whether you're visiting us for basic transactions or exploring complex financing options, we're here to help. While members can visit us at our branch location in Palo Alto for all their banking needs, official correspondence should be sent to our mailing address: 2390 El Camino Real #110, Palo Alto, CA 94306. We invite you to reach out by calling us at 650-320-1521 or visiting our website at providentcu.org for more information about how we can assist you on your financial journey. Join us today and experience the difference that comes with being a member of Provident!

Branch History & Mission

Community Focus

At Provident, we believe in giving back to the communities we serve. Through partnerships and outreach programs, we've made it our mission to support local initiatives that uplift those around us. By choosing Provident, you're not just selecting a financial institution; you're joining a community dedicated to making a positive impact. We are also ADA compliant, ensuring that all members can access our services without barriers. Our shared service center allows us to extend our reach even further, providing basic transactions for members of partner credit unions as well.

Join Us

At Provident, we are more than just a credit union; we are your partners in achieving financial success. Join us today and experience firsthand the benefits of being part of an organization that genuinely cares about its members and their futures. Together, let's build a brighter tomorrow!

Our Journey

From our humble beginnings to becoming a prominent credit union in California, Provident has always prioritized the needs of its members. Our mission is clear: to provide exceptional financial services while fostering a sense of community. We understand that banking is more than just transactions; it's about building relationships and supporting each other through life's journey. Over the years, we've embraced innovation to better serve our members. Our digital advancements allow you to manage your accounts with ease through online and mobile banking options. Whether you need to check balances, make payments, or apply for loans, we have you covered with convenient tools like e-statements and mobile payments.

Visit Us

While members can visit us at our main location on El Camino Real, official correspondence should be sent to 2390 El Camino Real #110, Palo Alto, CA 94306 if different from the branch address. Our operating hours are convenient: 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. With ATM availability on-site but no drive-thru service currently offered, we invite you to explore all that Provident has available for you. Reach out by phone at 650-320-1521 if you have any questions or need assistance.

Branch Location & Accessibility

Connect With Us Today!

Ready to explore what we can do for you? Give us a call at 650-320-1521 or stop by our branch! We look forward to welcoming you and assisting with all your financial needs at Provident. Your community bank is just around the corner!

Convenient Access and Nearby Landmarks

Our branch is situated near several well-known landmarks, making it easy to stop by during your day. We're just a short drive from Stanford University and close to major shopping centers. Ample parking is available for our members, ensuring a hassle-free experience when you visit us. Accessibility is a priority for us; our branch meets ADA compliance standards with ramps and other features to ensure everyone can bank comfortably.

Operating Hours and Services Offered

At Provident, we strive to accommodate your schedule 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. Whether you need assistance during the week or on weekends, we're here to help! We offer a wide range of services including personal banking options like checking and savings accounts, auto loans, mortgage loans, credit cards with rewards, and more. Our team is also equipped to assist with basic shared transactions for partner credit union members.

Member Eligibility

Becoming a member of Provident feels like stepping into a community that genuinely cares. If you're looking to join us, the good news is that eligibility is quite broad! We welcome anyone who lives, works, or attends school in our service area. This means you could be a student, a local worker, or even someone who's moved here recently. Membership opens doors to various benefits, including competitive rates on loans and personal banking services tailored just for you. To start your journey with us at Provident, visit us at our welcoming branch located at 2390 El Camino Real Ste 110 Palo Alto Ca 94306. If you have any questions or want to learn more about the specific eligibility criteria, feel free to give us a call at (650) 320-1521, or check out the detailed information online at . Joining is simple, and we're here to assist you every step of the way!

Business Banking & Commercial Services

Commercial 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.

Merchant Services

Additionally, our merchant services simplify transactions so you can focus on what you do best running your business. Picture this: streamlining payment processes with point-of-sale systems that make it easy for customers to buy from you. This not only enhances customer satisfaction but also boosts your bottom line. If you're interested in exploring how Provident can partner with you on your journey to success, stop by our branch at 2390 El Camino Real Ste 110 Palo Alto Ca 94306 in Palo Alto, CA, or give us a call at (650) 320-1521. Together, let's unlock the full potential of your business!

Comprehensive List Of Services

Business Banking Services

For business owners, Provident offers tailored solutions through our business banking services. Whether you need merchant services for accepting payments or want to explore options for business loans, we're here to empower your entrepreneurial journey.

Credit Cards & Rewards

Don't forget about our exciting credit card offerings! With rewards programs designed to give back, you can earn points or cashback on everyday purchases, making every dollar spent work harder for you.

Digital Banking Convenience

In today's fast-paced world, convenience is key. That's why we offer robust online and mobile banking features. Manage your accounts from anywhere with ease check balances, make transfers, and pay bills all at the touch of a button. Plus, enjoy access to our ATMs for cash withdrawals and balance checks whenever you need them.

Personal Banking Solutions

Managing your personal finances should be straightforward, and that's where our personal banking services come in. We offer checking and savings accounts that fit your lifestyle, whether you're saving for a dream vacation or just need a safe place for your everyday spending. For those looking to purchase a vehicle, our auto loans and vehicle financing options provide competitive rates to help get you on the road quickly. If homeownership is on your mind, our mortgage loans and refinancing services can guide you through the process with ease. We also provide personal loans and debt consolidation options that can help simplify your financial obligations.

Shared Branch Transactions

We believe in community support too! Our branch participates in basic shared branch transactions, allowing members from partner credit unions to make deposits and withdrawals without hassle. This means more flexibility when accessing your funds. At Provident, we strive to make banking simple and accessible for everyone. With our commitment to excellent service and a variety of financial products tailored just for you, we invite you to visit us at 2390 El Camino Real Ste 110 Palo Alto Ca 94306 or check out our website at Branch Office for more information. Ready to take the next step? Contact us today at (650) 320-1521 or drop by 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 look forward to helping you thrive financially!

Digital & Online Banking

Key Features

One of the standout features is our mobile application, which allows you to manage your accounts right from your smartphone. Need to send money to a friend? Our person-to-person transfers make it easy and fast. You can also make purchases using mobile payments, adding an extra layer of convenience to your daily transactions. For those who prefer going paperless, we offer e-statements that provide you with secure online access to your financial documents. This not only helps in keeping things organized but also enhances security by reducing the risk of sensitive information getting lost in the mail. With our electronic signature authorization, signing important documents is quick and simple no more printing or mailing forms!

Security and Accessibility

Your security is our top priority. We use advanced technology to keep your information safe while providing easy access to your accounts. You can rest assured knowing that every transaction is protected. In today's fast-paced world, having real-time account management tools is essential. At Provident, we're committed to giving you the resources you need for effective financial management right at your fingertips. Experience the freedom and convenience of digital banking with us today! Whether you're checking your balance or making a payment, we're here to support you every step of the way.

Financial Strength

Growing Member Base

Total Share and Deposit Accounts: 283,425, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $6,101,921. 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 2390 El Camino Real Ste 110 Palo Alto Ca 94306 or call (650) 320-1521 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 across various sectors with $13,697 in used auto loans and $2,598,460,252 in total loans and leases.

Member Savings Security

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 highlighted by our $0, which 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.

Solid Capital 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. We provide financing options that cater to your specific needs and make the process straightforward and stress-free.

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 that every business is unique; thus we work closely with our members to tailor solutions that fit their specific requirements.

Credit Lines

If you're interested in managing expenses more effectively or need funds available at your convenience, our total credit lines amounting to $1,346,922,422 can provide the financial flexibility you seek. This option allows you to borrow what you need when you need it.

Credit Options

In addition to auto and mortgage loans, we also have flexible terms on unsecured credit card loans. With a total of $44,004,033 in loans helping members manage their finances effectively, these options are perfect for those looking to consolidate debt or make larger purchases without the burden of high-interest rates.

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 assist you throughout the entire process to ensure you feel confident and informed about your decision.

Refinancing Options

We also offer refinancing options for those looking to lower their interest rates or adjust their loan terms. If you're interested in exploring eligibility options for any of our loan products or would like more information about refinancing opportunities, 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. At Provident Credit Union in Palo Alto, we're committed to providing accessible financial solutions tailored just for you. Visit us today or call 650-320-1521 to learn more about how we can assist with your borrowing needs!

Loan Aggregator

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Provident