Provident Credit Union Redwood City CA | Affordable Vehicle Loans & Business Banking

Introduction

Welcome to Provident, your trusted credit union located at 210 Redwood Shores Pkwy, Redwood City, CA 94065. Established in 1950, we have proudly served our community for over seven decades, helping more than 134,964 members achieve their financial goals. Our commitment to personal banking is reflected in our robust financial standing, boasting total assets of over $3.5 billion and total deposits amounting to $383,244,145. At Provident, we believe that a strong community is built on solid financial foundations. That's why we offer a range of services designed to support you from checking and savings accounts to auto loans and mortgages. Our total loans and leases stand at 50,665, ensuring that we have the resources necessary to meet your needs. Our dedicated team of 332 employees, led by CEO James Ernest and Board President June Rothe, is here to provide you with personalized service and expert guidance. Whether you're looking for a new vehicle loan or need assistance with debt consolidation, our staff is ready to help. While members can visit us at our branch address, official correspondence should be sent to our mailing address: 210 Redwood Shores Parkway, Redwood City, CA 94065. You can reach us easily at (650) 591-7845 or explore our website at providentcu.org for more information. Join us today and experience the Provident difference where your financial well-being is our priority! We invite you to stop by during our operating hours (M-Th: 9 AM - 5 PM; F: 9 AM - 6 PM; Sat: 9 AM - 2 PM) or give us a call. Your journey toward financial success starts here!

Branch History & Mission

Community Engagement

Our efforts to serve the community do not stop at providing financial products. We actively participate in local outreach programs and partnerships that strengthen our ties with Redwood City. By engaging in community service projects and supporting local initiatives, we strive to give back in meaningful ways. While members can visit us at 210 Redwood Shores Pkwy Redwood City Ca 94065, official correspondence should be sent to 210 Redwood Shores Parkway, Redwood City, CA 94065. This attention to detail ensures that you can always reach out when needed. As technology advances, so do we. Our digital banking options include online banking and mobile payments, making it easy for you to manage your finances on-the-go. We've also prioritized ADA compliance to ensure that all members can access our services without barriers. We invite you to join the Provident family today! Experience firsthand how we're dedicated not only to your financial well-being but also to the thriving community of Redwood City. For more information or assistance, feel free to contact us at (650) 591-7845 or explore more on our website at Provident. Together, let's build a brighter financial future!

Mission Statement

At the heart of Provident's mission is our desire to empower members through comprehensive financial services while fostering community support. We are not just a credit union; we are a trusted partner in your financial journey. Our goal is to make banking simple and beneficial for everyone. This commitment extends beyond just numbers; it embodies the relationships we build with our members and the community initiatives we champion. We understand that accessibility is key. That's why our branch offers 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 making it easier for you to visit us when it suits your schedule. Additionally, we provide ATM services for quick cash withdrawals and basic transactions.

Branch Location & Accessibility

Connect with Us

If you have any questions or would like to learn more about what we offer, feel free to reach out! You can call us at 650-591-7845. We're excited to help you achieve your financial goals and look forward to welcoming you at Provident soon!

Nearby Landmarks and Accessibility

Situated near scenic Redwood Shores, our branch is just a short drive from popular local spots like the beautiful Shoreline Park and the bustling Marina Plaza. This makes it easy to stop by while you're out enjoying the area or running errands. We provide ample parking for our members, including accessible spaces to ensure everyone can visit us without hassle. Our branch is fully compliant with ADA standards, featuring ramps and other facilities designed for your comfort.

Operating Hours & Services

We understand that your time is valuable, which is why we offer flexible operating hours. Visit us Monday through Thursday from 9 AM to 5 PM, Friday from 9 AM to 6 PM, and Saturday from 9 AM to 2 PM. Whether you need assistance with personal loans, auto financing, or online banking services, our knowledgeable staff is ready to assist you during these times. Additionally, we proudly offer ATM services on-site for quick cash withdrawals and balance checks. While we don't have a drive-thru service available at this location, our shared service center allows members of partner credit unions to perform basic transactions like deposits and withdrawals with ease.

Member Eligibility

Becoming a member of Provident is like joining a warm and welcoming family that truly cares about your financial well-being. At our branch located at 210 Redwood Shores Pkwy Redwood City Ca 94065, we believe that everyone deserves access to quality banking services, which is why our membership is open to a variety of individuals. If you live, work, worship, or attend school in our community, you're likely eligible to join us! Plus, membership offers fantastic benefits like personalized service, competitive rates on loans and savings accounts, and access to a range of financial products designed just for you. To learn more about the specific eligibility criteria and ensure you qualify, please check out our resource at . It's an easy process to become a member at Provident simply give us a call at (650) 591-7845, and we'll guide you through the next steps. We're excited to have you as part of our community!

Business Banking & Commercial Services

Financing Options for 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. These loans can be the lifeline you need for purchasing equipment, managing cash flow, or even launching a new product line.

Merchant Services That Make Transactions Easy

In today's fast-paced environment, having reliable payment processing solutions is crucial. Our merchant services allow you to accept payments effortlessly, ensuring that your customers enjoy a smooth experience while you focus on what you do best running your business. Visit us at 210 Redwood Shores Pkwy Redwood City Ca 94065 in Redwood City, CA, or call us at (650) 591-7845 to learn more about how our tailored banking solutions can help your business thrive!

Comprehensive List Of Services

Business Banking Offerings

If you're a business owner, our Business Banking solutions provide essential tools such as merchant services and business loans to help your business thrive. We are here to support entrepreneurs in every step of their journey.

Convenient Digital Banking Features

In today's fast-paced world, convenience is key. Our robust Online & Mobile Banking platform allows you to manage your accounts from anywhere at any time. With features like person-to-person payments and e-statements, handling transactions has never been easier. Additionally, our ATM and cash withdrawal services mean you can access funds quickly when you need them. We also support basic shared branch transactions for partner credit union members, making it simple for everyone.

Credit Solutions

Managing debt can be challenging, but with our Personal Loans & Debt Consolidation services, we make it easier for you to take control of your finances. We also offer Credit Cards with Rewards, allowing you to earn benefits on everyday purchases. It's a simple way to get more from your spending!

Get Started Today!

At Provident, we are committed to being more than just a credit union; we are your financial partner. With so many services designed with your needs in mind, we invite you to visit us at 210 Redwood Shores Pkwy Redwood City Ca 94065 or give us a call at (650) 591-7845. Discover how we can help you achieve your financial goals today!

Personal Banking Solutions

We understand that managing personal finances can be overwhelming at times. That's why we offer Personal Banking, including checking and savings accounts tailored to fit your lifestyle. Imagine having a checking account that offers features like online banking and mobile payments, making it easier than ever to handle your day-to-day expenses. For those planning a new vehicle purchase, our Auto Loans & Vehicle Financing options provide competitive rates and flexible terms, helping you drive away in your dream car without the stress of high monthly payments. If you're thinking about buying a home or refinancing your current mortgage, our Mortgage Loans & Refinancing services can assist you in finding the right solution for your needs.

Digital & Online Banking

Key Features

One of the standout features of our digital banking is the ability to access your accounts anytime, anywhere. Whether you want to check your balance, transfer funds, or pay bills, everything is just a few clicks away. Plus, with our mobile application available, you can handle your banking tasks right from your smartphone, making it easier than ever to stay on top of your finances. Security is a top priority for us. We utilize electronic signature authorization for transactions, ensuring that every action you take is safe and secure. You can also opt for e-statements, which not only help you reduce paper clutter but also provide a quick way to review your account activity. If you need to send money to friends or family, our person-to-person transfer feature makes it simple and fast. Just enter their information and send money instantly! And if you prefer using mobile payments, we've got you covered there too making it easy to pay with just a tap. Our user-friendly interface means that managing your accounts doesn't have to be complicated. With real-time updates on all your transactions and balances, you'll always know where you stand financially. At Provident, we're dedicated to providing accessible and efficient banking solutions. Explore all that we offer by visiting us online at https://providentcu.org/ and experience the convenience of modern banking today!

Financial Strength

Efficient Operations

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 dedicated to serving you with a knowledgeable, committed team.

Growing Member Base

We currently manage a total of 283,425 accounts, showing a strong and growing member base that trusts us with their finances. With net shares amounting to $6,101,921, we have ample 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 210 Redwood Shores Pkwy Redwood City Ca 94065 or call (650) 591-7845 to learn more about how we can help you achieve your financial goals.

Investing in Your Future

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 is robust, with $13,697 in used auto loans and $2,598,460,252 in total loans and leases available to support your financial goals across various sectors.

Member-Centric Savings

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.

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. We also provide refinancing options for existing auto loans, ensuring you can find the best deal possible for your situation.

Business Loans

For business owners, our outstanding commercial loans totaling $294,797,182 provide the capital needed to grow and expand. Whether you're starting a new venture or looking to enhance an existing one, our team is ready to assist you in finding the right financing solution. No matter what type of loan you need, our dedicated staff at Provident, located at 210 Redwood Shores Pkwy Redwood City Ca 94065 in Redwood City, CA, is ready to help you navigate your options. Feel free to reach out at (650) 591-7845 for personalized assistance or visit us during our operating hours: M-Th 9:00 am - 5:00 pm, F 9:00 am - 6:00 pm, Sat 9:00 am - 2:00 pm. 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 that next step toward achieving your financial dreams!

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're here to guide you through every step of the process, so you feel confident and informed.

Unsecured Credit Card Loans

For those looking to manage their finances more effectively, we also offer flexible terms on unsecured credit card loans, with a total of $44,004,033 in loans helping members take control of their spending. These cards come with competitive rates and rewards programs tailored to fit your lifestyle.

Loan Aggregator

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Provident