Provident Credit Union Redwood City CA | Affordable Auto Loans & Rewards Cards

Introduction

At Provident, we believe in building a strong community, one member at a time. Nestled in the heart of Redwood City, CA, our branch at 303 Twin Dolphin Dr stands as a beacon of trust and reliability since our establishment in 1950. With over 134,964 members and total assets exceeding $3.5 billion, we are dedicated to providing personalized financial services that cater to your unique needs. Our commitment goes beyond just numbers; it's about you and your aspirations. Whether you're looking for personal banking solutions, auto loans, or business financing options, our experienced team is here to guide you every step of the way. With total deposits reaching $383,244,145 and a net worth of $360,706,481, you can rest assured that your finances are in safe hands. While members can visit us at our branch address, official correspondence should be sent to the same location: 303 Twin Dolphin Drive, Redwood City, CA 94065. Our goal is to ensure that you feel supported and valued throughout your banking experience. Led by our CEO, James Ernest, and Board President, June Rothe, our team of 332 employees works tirelessly to foster an environment where everyone feels welcomed. We offer a range of services from checking and savings accounts to credit cards with rewards all designed with you in mind. We invite you to explore what Provident has to offer. Feel free to call us at 650-508-0300 or visit our website at providentcu.org to learn more about how we can help you achieve your financial goals. Join us today and experience the difference that comes from being part of a community-focused credit union!

Branch History & Mission

Community Impact

Beyond financial services, we are deeply invested in community outreach efforts. We actively seek partnerships with local organizations to support initiatives that uplift our neighborhoods and promote financial literacy among residents. By fostering these relationships, we aim to create a stronger and more resilient community for everyone. As part of our focus on accessibility, we are proud to offer ADA-compliant facilities that ensure all members can comfortably navigate our branch. While we do not currently have drive-thru banking available at this location, we provide ATM access for quick cash withdrawals and balance checks.

Join Us

We invite you to become part of the Provident family! Experience firsthand how we can help you achieve your financial dreams while contributing positively to the community around us. Visit us today at 303 Twin Dolphin Dr Redwood City Ca 94065, or explore more about what we offer at our website. Together, let's build a brighter future!

Our Mission

Our mission at Provident is straightforward yet powerful: we strive to enhance the financial well-being of our members while making a positive impact on the community. We believe that everyone deserves access to quality financial services that support their goals whether it's saving for a new home, financing a vehicle, or managing everyday expenses. We offer a range of services including personal banking options like checking and savings accounts, auto loans, mortgage loans, credit cards with rewards, and business banking solutions. Our commitment to innovation is evident through our online and mobile banking platforms, allowing members to manage their finances easily and securely from anywhere.

Branch Location & Accessibility

Call Us Today!

Ready to explore what we can do for you? We invite you to visit us at our Redwood City branch or give us a call at (650) 508-0300. Our team at Provident is eager to help you achieve your financial dreams!

Convenient Access and Parking

At Provident, we understand that accessibility matters. Our branch features ample parking space to ensure that your visit is hassle-free. Plus, we are committed to accommodating all members, with ADA-compliant facilities and ramps available for those who need them. While our main location is at 303 Twin Dolphin Dr Redwood City Ca 94065, if you need to send any official correspondence, please use our mailing address: 303 Twin Dolphin Drive, Redwood City, CA 94065. This helps us serve you better!

Operating Hours Tailored for You

We're here when you need us! Our lobby hours are Monday through Friday from 8:00 AM to 6:00 PM. Whether you want to open a new account, apply for a loan, or just chat about your financial goals, our friendly staff is ready to assist you during these hours.

Services Designed for Your Needs

At Provident, we offer a variety of personal banking options including checking and savings accounts, auto loans and vehicle financing, mortgage loans and refinancing, as well as personal loans and credit cards with rewards. We also cater to businesses with merchant services and business loans. Plus, our online and mobile banking services ensure that you can manage your finances on-the-go. If you're in need of cash quickly, rest assured that our ATM services are available for convenient withdrawals and balance checks.

Member Eligibility

Joining the family at Provident is not just about opening an account; it's about becoming part of a supportive community that prioritizes your financial well-being. To become a member, you'll find that the eligibility criteria are friendly and straightforward. Generally, anyone who lives, works, or worships in our local community can join us. This means that if you're in the area around 303 Twin Dolphin Dr Redwood City Ca 94065, you're likely already eligible! We believe in making banking accessible to everyone, so don't hesitate to reach out if you're unsure about your eligibility. For detailed information on this process, feel free to visit our website at . Once you've confirmed your eligibility, opening an account is a breeze! Our team at Provident is here to guide you every step of the way, whether you prefer visiting us in person or starting online. If you have questions or need assistance, just give us a call at (650) 508-0300, and we'll be happy to help. We can't wait for you to join us and take advantage of all the benefits that come with being part of our credit union!

Business Banking & Commercial Services

Comprehensive Merchant Services

In addition to loans, we provide merchant services designed to simplify transactions and boost your bottom line. Picture this: you're at a bustling market or busy storefront. With our merchant services, accepting payments becomes seamless. Whether it's through credit cards, mobile payments, or online transactions, we ensure that your business stays connected to customers without hassle. With an outstanding commercial loan portfolio of $294,797,182, we continue to drive economic growth by financing new and expanding businesses in Redwood City, CA. We believe that when businesses thrive, communities prosper. If you're ready to take your business to the next level, visit us at 303 Twin Dolphin Dr Redwood City Ca 94065 or call us at (650) 508-0300 for more information about how we can help!

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. This funding enables local companies to expand their operations, invest in new equipment, or even hire additional staff. Each loan tells a story of ambition and growth.

Comprehensive List Of Services

ATM & Cash Withdrawal Services

Accessing cash shouldn't be complicated. At Provident, our ATM services allow for quick withdrawals and balance checks at your convenience. Plus, if you're ever in need of assistance or have questions about your account, don't hesitate to call us at (650) 508-0300. Our commitment at Provident extends beyond just transactions; it's about fostering relationships with our members and supporting their financial journeys. We invite you to explore all that we have to offer visit us at 303 Twin Dolphin Dr Redwood City Ca 94065 in Redwood City, or check out our website at Corporate Office for more information! Ready to take control of your finances? Contact us today or stop by the branch we're here for you!

Business Banking Solutions

For entrepreneurs and small business owners, Provident provides robust business banking services including merchant services and business loans tailored to help your venture grow. We know running a business comes with its own set of challenges, so let us support you with the financial tools necessary to thrive.

Convenient Digital Banking

In today's fast-paced world, convenience is key. Our online and mobile banking features ensure that managing your finances is easy no matter where you are. With options like mobile payments, person-to-person transfers, and e-statements, keeping track of your money has never been simpler.

Credit Cards with Rewards

Shopping should feel rewarding! That's why we offer credit cards with rewards programs that give back to you with every purchase. Whether it's cash back or travel points, using our credit card can turn everyday expenses into opportunities for savings.

Loans for Every Need

Need financing? We've got you covered! From auto loans that help you get behind the wheel of your dream car to mortgage loans for your new home, our competitive rates make borrowing straightforward and affordable. If you're facing unexpected expenses, consider our personal loans and debt consolidation options, which can provide quick relief without overwhelming repayment terms.

Personal Banking

We understand that personal banking is about more than just transactions; it's about building a secure financial future. At Provident, we offer various checking and savings accounts that fit different lifestyles and financial goals. Imagine having a checking account that helps you track your spending effortlessly while also earning interest on your savings. Our accounts are designed to provide easy access to your money, whether through our online banking platform or at one of our convenient ATMs.

Digital & Online Banking

Convenient Features

Enjoy the convenience of e-statements, which are available at your fingertips through our online banking system. This feature not only helps you stay organized but also supports a more eco-friendly approach to banking. Plus, with electronic signature authorization, signing documents has never been easier or more secure. Need to send money quickly? Our person-to-person transfer service lets you send funds directly to friends or family with just a few taps on your phone. And if you're on the go, our mobile application makes it simple to manage your finances from anywhere. You can even make mobile payments seamlessly, ensuring that you're always prepared for any purchase.

Security You Can Trust

Security is our top priority at Provident. We utilize advanced security measures to protect your personal information and transactions. You can bank with confidence knowing that your data is safeguarded while enjoying the ease of real-time account management. With all these features and more available through our digital banking services, managing your finances has never been simpler or more efficient. Join us at Provident and take advantage of the modern conveniences that make banking work for you!

Financial Strength

Commitment to Excellence

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. Currently, we support 283,425 total share accounts a testament to the trust placed in us by our growing member base. 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 303 Twin Dolphin Dr Redwood City Ca 94065 or call (650) 508-0300 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.

Member-Focused Savings

Your 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.

Reinvesting in Our Future Together

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

Solid 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. We provide financing for both new and used vehicles, ensuring that you find the perfect fit for your lifestyle. Plus, refinancing options are available if you want to lower your monthly payments or adjust your loan terms.

Business Loans

For business owners looking to grow their operations, we have outstanding commercial loans totaling $294,797,182. These loans provide essential capital for businesses at various stages of development. Our team at Provident is dedicated to providing personalized service and support throughout the borrowing process. To learn more about our loan offerings or explore eligibility options, give us a call at 650-508-0300 or visit us at our branch located at 303 Twin Dolphin Dr., Redwood City, CA 94065. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Let us help you take the next step toward achieving your financial dreams!

Credit Lines

For those who need more flexibility in their borrowing options, our total credit lines amount to $1,346,922,422. This allows members to access funds when needed without the hassle of traditional loan processes.

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 pride ourselves on making the home buying process as straightforward as possible. If you're looking to refinance an existing mortgage for better rates or terms, we have solutions tailored just for you.

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 come with various benefits and rewards that can help you save money while making everyday purchases.

Loan Aggregator

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Provident