Provident Credit Union San Francisco CA | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Provident, your trusted financial partner located at 450 Golden Gate Ave Ste 20558, San Francisco, CA 94102. Since our establishment in 1950, we have been dedicated to serving our community with a commitment to quality service and financial well-being. With over 134,964 members and a solid foundation of assets totaling $3,510,110,738, we pride ourselves on fostering strong relationships and providing valuable resources for our members. At Provident, we understand the importance of reliable banking solutions. Our offerings range from personal banking services like checking and savings accounts to specialized products such as auto loans and business financing. With $383,244,145 in total deposits and an impressive loan portfolio consisting of 50,665 loans, we are equipped to meet your diverse financial needs. Our leadership team is here to guide you every step of the way. Under the direction of CEO James Ernest and Board President June Rothe, we continuously strive to enhance member satisfaction while maintaining a net worth of $360,706,481. We also ensure that our members have access to their funds with ease; for your convenience, we offer ATM services along with online and mobile banking options. While members can visit us at our branch location for personalized service during our operating hours from Monday to Friday, 8:00 AM to 4:00 PM, official correspondence should be directed to our mailing address at 450 Golden Gate Ave. 2nd floor, #2-0558, San Francisco, CA 94102. We invite you to explore the many ways Provident can support your financial journey. Whether you're looking to save for the future or need assistance with loans or credit cards that come with rewards, we're here for you. Reach out today at (415) 864-1519 or visit us online at providentcu.org to learn more about how we can help you achieve your financial goals!

Branch History & Mission

Community Engagement

At Provident, community matters. We actively engage in outreach programs and partnerships that support local initiatives and organizations. By investing in the community's growth and development, we strengthen not only individual lives but also the fabric of San Francisco as a whole. As you explore your financial options or seek guidance on your journey toward economic empowerment, we invite you to join us at Provident. Experience firsthand how we can help you navigate your financial future with confidence. Contact us today at 415-864-1519 or visit us online at providentcu.org to learn more about how you can become part of our family. Together, let's build a brighter financial future!

Our Mission

Our mission at Provident is simple yet profound: to empower our members through accessible financial services while fostering community growth and well-being. We believe that everyone deserves the opportunity to thrive financially, which is why we offer a wide range of products including checking and savings accounts, auto loans, mortgages, personal loans, credit cards with rewards, and business banking solutions. While members can visit us at 450 Golden Gate Ave Ste 20558 for all their banking needs during our operating hours from Monday to Friday, 8:00 am to 4:00 pm, official correspondence should be sent to our mailing address at 450 Golden Gate Ave. 2nd floor, #2-0558, San Francisco, CA 94102 if different. In addition to traditional banking services, we're proud of our digital advancements that make banking more convenient than ever. From online banking and mobile payments to person-to-person transactions and e-statements, we ensure that our members can manage their finances anytime and anywhere. Our commitment to accessibility is further demonstrated by our compliance with ADA standards.

Branch Location & Accessibility

Welcome to Provident, your friendly neighborhood credit union located at 450 Golden Gate Ave Ste 20558 in the heart of San Francisco, CA. Our branch is conveniently situated near notable landmarks such as the bustling Civic Center and the historic Asian Art Museum, making it easy for you to drop by while exploring the vibrant city. At Provident, we prioritize accessibility for all our members. Our branch features ADA-compliant facilities, including ramps and accessible parking spaces, ensuring everyone can visit us comfortably. We're here to serve you during our lobby hours from Monday to Friday, 8:00 AM to 4:00 PM. Whether you need assistance with personal banking services or are looking into auto loans or mortgage options, our knowledgeable staff is ready to help. While members can visit us at our physical location, official correspondence should be sent to our mailing address at 450 Golden Gate Ave. 2nd floor, #2-0558, San Francisco, CA 94102. For those who prefer digital convenience, we offer a range of online and mobile banking services that allow you to manage your accounts from anywhere. Plus, with ATM availability on-site, accessing your funds has never been easier. If you're looking for more personalized service, don't hesitate to call us at 415-864-1519. We invite you to come by and see how Provident can help you achieve your financial goals today!

Member Eligibility

Becoming a member of Provident feels like joining a warm and welcoming community where your financial well-being is our priority. If you live, work, worship, or attend school in the area, you're likely eligible to join us! Our membership criteria are designed to be inclusive, ensuring that anyone who connects with our community can take advantage of the benefits we offer. To get started on your membership journey, feel free to check the detailed eligibility requirements at . You'll find that joining us is straightforward and rewarding! Once you're ready to become a member, opening an account is easy. Just reach out to us at (415) 864-1519, or visit our branch located at 450 Golden Gate Ave Ste 20558 San Francisco Ca 94102. We're here to guide you through each step and help you access a range of services, from personal banking to loans and more. With Provident, you're not just a number; you're part of a supportive family dedicated to helping you achieve your financial goals.

Business Banking & Commercial Services

Financing 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

In addition to loans, we provide essential merchant services that streamline payment processing for your business. Imagine having the ability to accept payments effortlessly from customers, whether they prefer credit cards or mobile payments. Our solutions not only enhance customer satisfaction but also improve cash flow management, making it easier for you to focus on what really matters running your business. If you're looking for reliable financial support in San Francisco, stop by our branch at 450 Golden Gate Ave Ste 20558 San Francisco Ca 94102 or give us a call at (415) 864-1519. Let us partner with you on your journey toward success!

Comprehensive List Of Services

Business Banking

For our entrepreneurial members, we provide robust business banking solutions. From merchant services that simplify payment processing to business loans that help fuel growth, we are committed to supporting your journey as a business owner.

Credit Options

Sometimes, life brings unexpected expenses. Our personal loans and debt consolidation services offer support when you need it most. With competitive rates and straightforward terms, you can tackle your financial challenges with confidence. Plus, our credit cards come with rewards that allow you to earn while you spend perfect for everyday purchases!

Digital Banking Features

In today's fast-paced world, convenience is key. That's why at Provident, we emphasize our online and mobile banking features. You can access your accounts anytime, anywhere whether it's checking balances, transferring funds, or paying bills through our user-friendly app. Our ATM services also ensure that cash withdrawals and balance checks are just around the corner.

Personal Banking

We understand that managing your finances can sometimes feel overwhelming. That's why we offer personal banking services designed for everyday life. With checking and savings accounts, you can easily manage your money and save for those important milestones. If you're considering buying a car, our auto loans and vehicle financing options provide flexible terms to fit your budget. For those looking to invest in their dream home, our mortgage loans and refinancing solutions make homeownership more accessible than ever.

Shared Services

If you're a member of a partner credit union, you'll find basic shared branch transactions available at our location. This means you can make deposits and withdrawals with ease, ensuring that banking remains hassle-free no matter where you are. In summary, whether you're visiting us for personal finance solutions or business banking support, Provident strives to make every interaction positive and rewarding. Don't hesitate to reach out at (415) 864-1519 if you have any questions or want to learn more about how we can assist you in achieving your financial goals. Experience all these offerings today by visiting us at 450 Golden Gate Ave Ste 20558 San Francisco Ca 94102 or exploring more on our website at Branch Office. We look forward to serving you!

Digital & Online Banking

Key Features

Enjoy the ease of electronic signature authorization for documents, allowing you to complete transactions without the hassle of printing and mailing. You can also opt for e-statements to reduce paper clutter while keeping track of your financial activity securely online. If you're someone who enjoys making quick payments to friends or family, our person-to-person transfer feature makes it effortless. Need to make purchases? Our mobile payments feature allows you to pay directly from your phone without fumbling for cash or cards. And rest assured, all transactions are protected with top-notch security measures, so you can bank with peace of mind. With our 24/7 online banking services available at Yes, managing your finances has never been easier. Whether you're checking balances in the middle of the night or scheduling payments during lunch breaks, we've got you covered. At Provident, we're committed to providing accessible and straightforward banking solutions that fit into your lifestyle.

Financial Strength

A Trusted Partner

Net Shares available for lending and investments stand at $6,101,921, further illustrating our commitment to maintaining a healthy balance sheet. With a total of 283,425 share accounts, we have built a strong and growing member base that trusts us with their finances. 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 450 Golden Gate Ave Ste 20558 San Francisco Ca 94102 or call (415) 864-1519 to learn more about how we can help you achieve your financial goals.

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

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.

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 who ensure 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 provide 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 purchasing a brand-new model or a reliable used vehicle, our competitive rates and flexible terms make it easy to finance your next car.

Business Financing

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 that businesses face and are committed to offering solutions that work for you. In addition to these loan products, we encourage you to explore eligibility options tailored for your situation. Our performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov based on the latest results. If you have any questions or need assistance navigating our loan offerings, feel free to reach out at (415) 864-1519 or visit us at our branch located at 450 Golden Gate Ave Ste 20558 San Francisco Ca 94102 in San Francisco, CA. We're here to support you every step of the way!

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 the process and help you secure the best financing for your dream home. Plus, if you're considering refinancing your existing mortgage, we can assist with that as well.

Unsecured Credit Card Loans

For those looking to manage everyday expenses or consolidate debt, 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, our credit card options provide an affordable way to handle purchases while enjoying benefits like rewards and cash back.

Loan Aggregator

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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 commitment to sourcing ensures that users receive fair and transparent offers every time they search for a loan.

Provident