Provident Credit Union San Jose CA | Affordable Vehicle Loans & Rewards Cards

Introduction

Welcome to Provident, your trusted partner in financial services, located at 1757 Technology Dr Ste 10, San Jose, CA 95110. Since opening our doors in 1950, we've been committed to serving our community with a member-first approach that emphasizes trust and reliability. With a proud membership of over 134,964, we strive to meet the diverse needs of our members through a wide range of services, including personal banking, auto loans, mortgages, and business financing. At Provident, we believe in empowering our members with the financial tools they need to succeed. Our total assets stand impressively at $3,510,110,738, and we manage $383,244,145 in deposits. This strong foundation allows us to offer competitive loans currently totaling 50,665 and robust support for personal and business ventures alike. Under the leadership of our CEO, James Ernest, and Board President June Rothe, we are dedicated to fostering growth within our community. We understand the importance of accessibility; that's why we offer convenient services like online banking and mobile payments. If you ever have questions or need assistance, feel free to reach out to us at (408) 436-9480. While members can visit us at our branch location in San Jose, official correspondence should be sent to our mailing address at 1757 Technology Dr, San Jose, CA 95110-1322. We invite you to explore all that Provident has to offer. Whether you're looking for a new loan or simply want to learn more about managing your finances effectively, we're here for you every step of the way. Join us today and experience how we put our members first! Visit our website at providentcu.org for more information or stop by our branch during lobby hours from Monday to Friday between 9:30 AM and 6:00 PM.

Branch History & Mission

Community Engagement

Our commitment extends beyond banking; we actively engage in community outreach efforts that foster growth and opportunity for all residents of San Jose. By partnering with local organizations and supporting various initiatives, we strive to uplift those around us and promote financial literacy across all age groups. As we look forward to the future at Provident, we invite you to join our family. Experience the benefits of being part of a community-focused credit union where your financial well-being is our priority. Contact us at 408-436-9480 or visit our website at providentcu.org today! Together, let's build a brighter financial future.

Our Evolution

Since opening our doors more than seven decades ago, Provident has continually evolved to meet the changing needs of our members. We have expanded our offerings to include personal banking, auto loans, mortgage services, and business banking solutions. With total assets reaching an impressive $3,510,110,738, we are equipped to provide robust financial support for all stages of life. Our journey has been marked by significant milestones like integrating advanced digital banking solutions and maintaining ADA compliance so that everyone can access our services with ease. We also understand the importance of convenience; thus, we offer ATM availability and shared service center options for our members' ease.

Our Mission

At Provident, our mission is simple yet profound: to empower individuals and families through exceptional financial services while actively supporting the communities we serve. We believe that every member deserves personalized attention and guidance tailored to their unique circumstances. Whether it's helping you purchase your first car or assisting in managing your business finances, we are dedicated to providing solutions that make a real difference. While members can visit us at 1757 Technology Dr Ste 10, official correspondence should be sent to 1757 Technology Dr, San Jose, CA 95110-1322. Our operating hours are Monday through Friday from 9:30 AM to 6:00 PM, making it easy for you to connect with us when it's convenient for you.

Branch Location & Accessibility

Welcome to Provident, your trusted credit union located at 1757 Technology Dr Ste 10 in beautiful San Jose, CA! Our branch is conveniently situated in the heart of Santa Clara County, just a stone's throw from notable spots like the Tech Museum of Innovation and the bustling San Jose State University. This prime location makes it easy for you to stop by while running errands or enjoying a day out in the city. At Provident, we prioritize accessibility for all our members. Our branch features ADA-compliant facilities, ensuring everyone can navigate our space comfortably. Plus, with ample parking available nearby, visiting us is hassle-free. While you're here, you'll find that our operating hours are designed to fit your busy schedule. We're open Monday through Friday from 9:30 AM to 6:00 PM, ready to assist you with all your banking needs. Whether you're looking to open a personal checking account, apply for an auto loan, or get advice on mortgage refinancing, our friendly staff is here to help! Additionally, we offer ATM services for your convenience, allowing you to access cash anytime you need it. While we currently do not have drive-thru banking available, we do provide shared services for partner credit union members making it easier than ever to manage your finances. If you need further assistance or have questions about our services, don't hesitate to give us a call at 408-436-9480. We look forward to welcoming you at Provident and helping you achieve your financial goals!

Member Eligibility

At Provident, we believe that becoming a member is like joining a caring family that supports your financial journey. If you're looking to enjoy personalized banking services and a community-focused approach, we welcome you with open arms. To be eligible for membership, you should be part of our local community or meet specific criteria outlined on our website. Whether you live, work, or attend school in the area, there's a good chance you can join us! For detailed information on eligibility requirements, please visit . Opening an account at Provident is simple and straightforward. We're here to help every step of the way, ensuring that your experience is smooth and welcoming. If you're ready to take the next step or have any questions, feel free to reach out to us at (408) 436-9480. Your journey towards better banking starts here!

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. Imagine launching a new product line or upgrading your equipment our loans can help you turn those ideas into reality.

Merchant Services

In addition to loans, we offer comprehensive merchant services that simplify payment processing for your business. Whether you're running a storefront or an online shop, our solutions ensure you can accept payments easily and efficiently. This means you can focus more on serving your customers instead of worrying about transactions. Located at 1757 Technology Dr Ste 10 San Jose Ca 95110 in San Jose, CA, we're here to support your business every step of the way. If you're ready to take the next step in growing your business, give us a call at (408) 436-9480 or visit us today!

Comprehensive List Of Services

A Welcoming Community Resource

We pride ourselves on being more than just a bank; we are a community resource. Our shared service center provides access to essential banking services for all members. With an ATM readily available at our location, accessing your funds has never been easier. If you have questions or want to explore how we can assist you further, please don't hesitate to reach out at (408) 436-9480. Our friendly staff is ready to help! Visit us today at Branch Office, where we're committed to serving you with integrity and care. Discover how easy banking can be with Provident your trusted partner in financial success!

Business Banking Services

For entrepreneurs and small business owners, we have robust Business Banking solutions. Our services include Merchant Services & Business Loans, ensuring your business has the financial backing it needs to thrive.

Credit Card Rewards

Don't forget about our Credit Cards with Rewards, offering perks that can add value to your everyday purchases. You earn points on each transaction that can be redeemed for travel, merchandise, or cash back.

Digital Banking Features

In today's fast-paced world, convenience matters. That's why we prioritize Online & Mobile Banking allowing you to manage your finances from anywhere at any time. You can easily access ATM & Cash Withdrawal Services, perform basic shared branch transactions like deposits and withdrawals for partner credit union members, and even check balances all from the comfort of your home or on-the-go.

Mortgage and Personal Loans

Homeownership is within reach with our Mortgage Loans & Refinancing services. We provide guidance every step of the way, helping you find the right mortgage solution that fits your lifestyle and budget. If you're looking to consolidate debt or need extra cash for unexpected expenses, our Personal Loans & Debt Consolidation options are designed to help you regain control over your finances.

Personal Banking Solutions

For those looking for everyday banking solutions, we offer Personal Banking services, including Checking & Savings Accounts. Whether you're saving for a dream vacation or just managing daily expenses, our accounts come with features that make it easy to track your spending and grow your savings. If you're in the market for a new vehicle, consider our Auto Loans & Vehicle Financing options. With competitive rates and flexible terms, you can drive away in the car of your dreams without breaking the bank.

Digital & Online Banking

Key Features of Our Digital Banking Services

With our online banking services, you can easily access your accounts anytime, anywhere. You can enjoy the convenience of e-statements, which not only help you stay organized but also contribute to a more sustainable future by reducing paper use. Plus, we offer electronic signature authorization, making it easier than ever to complete transactions securely from your device. For those who prefer managing their finances on the move, our mobile application is designed with user-friendliness in mind. It allows you to make mobile payments and even send money directly through person-to-person transfers with just a few taps. This way, paying back a friend or splitting a bill has never been simpler!

Security You Can Trust

We prioritize your security in every transaction. Our online banking system employs advanced security measures to keep your information safe while giving you peace of mind. You can bank confidently knowing that your data is protected with the latest technology. In today's fast-paced world, managing your finances shouldn't slow you down. With the easy accessibility and real-time management offered by Provident's digital banking services, you'll have everything you need right at your fingertips. Experience the future of banking today at https://providentcu.org/!

Financial Strength

Commitment to Growth

We also have $359,049,329 in undivided earnings, which allows us to reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. With $13,697 in used auto loans and $2,598,460,252 in total loans and leases, our lending capacity supports members' financial goals across various sectors. Our operational efficiency is highlighted by our $0, enabling us to continue offering competitive loan rates and solid financial products for our members. We 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.

Member-Focused Savings

Your savings are secure with us 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.

Strong 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.

Trustworthy Partnership

Net Shares (Funds available for lending and investments): $6,101,921. Total Share and Deposit Accounts: 283,425, showing 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 1757 Technology Dr Ste 10 San Jose Ca 95110 or call (408) 436-9480 to learn more about how we can help you achieve your financial goals.

Loan Offering

Additional Services

We also offer refinancing options for many of our loan products. If you're considering refinancing an existing loan or checking eligibility for any of our offerings, please reach out to us at (408) 436-9480. Our team is here to assist you every step of the way. At Provident in San Jose, CA (1757 Technology Dr Ste 10), we are committed to providing quality service and expert guidance. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Explore our loan offerings today and discover how we can support your financial journey!

Auto Loans

Looking to buy a new car? Our auto loans provide some of the lowest rates in the industry. We have already issued over $84,156,509 in new vehicle loans and $227,157,965 in used vehicle loans to help members get on the road. Whether you're eyeing that brand-new model or a reliable used car, our financing options can make it happen.

Business Financing

For business owners looking for capital to grow and expand, our outstanding commercial loans totaling $294,797,182 can provide the financial support you need to take your business to the next level.

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $128,082,130. We make buying or refinancing simple with competitive rates and flexible terms tailored to fit your budget.

Unsecured Credit Card Loans

Managing day-to-day expenses can be challenging. We 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 rewards and benefits that can enhance your purchasing power.

Loan Aggregator

Benefits of Using LendMesh

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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 ensures that users receive fair and transparent offers. Each loan comparison is built on verified data, giving consumers confidence in the options presented.

Provident