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

Introduction

Commitment to Community

Under the leadership of CEO James Ernest and Board President June Rothe, we strive to create lasting relationships within our community. Our team of over 332 employees is here to guide you through various financial products including checking accounts, auto loans, mortgages, and business banking services. With a total loan portfolio exceeding 50,665 loans, we're dedicated to helping you achieve your financial goals whether you're looking to purchase a new vehicle or expand your business. You can trust that with Provident, you're not just another number; you're part of a family that genuinely cares about your financial health.

Connect With Us

We invite you to explore how we can serve you better! Visit our website at Provident Credit Union or call us at 408-532-6348 during our 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 4:00 PM. Discover the difference that comes with being part of the Provident family where members matter most!

Branch History & Mission

At Provident, our journey began in 1950 in the vibrant city of San Jose, California. Over the years, we have grown from a small credit union to a trusted financial partner for over 134,000 members. Our branch, located at 1705 E Capitol Expy Ste 20, San Jose, CA 95121, stands as a testament to our commitment to the community and our members. We take pride in being part of Santa Clara County's fabric and strive to meet the evolving needs of our diverse membership. Our mission is clear: to empower our members by providing exceptional financial services that foster growth and stability. Whether you're looking for personal banking solutions like checking and savings accounts, auto loans, mortgage options, or business banking services, we are here to support you every step of the way. We believe that financial success should be accessible to everyone, and we work tirelessly to ensure that our offerings reflect that belief. Throughout our history, we've made significant strides in enhancing our services. With total assets exceeding $3.5 billion, we have the resources to invest in innovative solutions that cater to our members' needs. From online and mobile banking options to ATM availability and shared service centers, we're committed to providing convenience and accessibility. While members can visit us at 1705 E Capitol Expy Ste 20 San Jose Ca 95121, official correspondence should be sent to 1705 E. Capitol Expressway #20, San Jose, CA 95121. Our operating hours are designed with you in mind Monday through Thursday from 9:00 AM to 5:00 PM, Fridays until 6:00 PM, and Saturdays until 4:00 PM making it easy for you to connect with us when it suits you best. We're not just about banking; we're about community involvement too. Our partnerships with local organizations allow us to extend support beyond traditional financial services. We actively engage in outreach efforts that uplift our community and create opportunities for growth. As we look toward the future, we invite you to join us on this exciting journey. At Provident, you're not just a member; you're part of a family dedicated to your financial well-being. Experience firsthand how we can help you achieve your goals today! For more information or assistance, please call us at (408) 532-6348 or visit us at our website. Together, let's build a brighter tomorrow!

Branch Location & Accessibility

Come Visit Us!

We invite you to stop by our San Jose location at 1705 E Capitol Expy Ste 20 or reach out via phone at 408-532-6348. Experience the difference that personalized service makes at Provident your trusted partner in financial wellness!

Convenient Access and Features

At our San Jose branch, you'll find ample parking available, ensuring a hassle-free visit. We are committed to accessibility for everyone, featuring ADA-compliant ramps and entryways. Whether you're visiting us for personal banking services like checking and savings accounts or exploring options for auto loans and mortgage refinancing, our friendly staff is ready to assist you.

Operating Hours that Fit Your Schedule

We understand that life can be busy! That's why our operating hours are designed with your convenience in mind. Visit us Monday through Thursday from 9:00 AM to 5:00 PM, Friday from 9:00 AM to 6:00 PM, or Saturday from 9:00 AM to 4:00 PM. If you need assistance outside these hours, feel free to give us a call at 408-532-6348 we're here to help!

Services Tailored Just for You

At Provident, we offer a range of services tailored to meet your financial needs. From personal banking options like credit cards with rewards and debt consolidation loans to business banking solutions such as merchant services, we've got you covered. Plus, we provide ATM access and basic shared branch transactions for partner credit union members. Whether you're looking for a quick withdrawal or want to discuss your financial goals with one of our experts, we're here for you every step of the way.

Member Eligibility

Becoming a member of Provident is like joining a family that cares about your financial well-being. Here, we welcome individuals who live, work, or worship in the community, as well as family members of existing members. If you're looking for a place that puts your needs first and offers personalized service, you're in the right spot! You can easily find out more about our eligibility criteria by visiting this link. We're dedicated to making banking simple and accessible for everyone. Opening an account with us is straightforward! Just stop by our branch at 1705 E Capitol Expy Ste 20 San Jose Ca 95121, give us a call at (408) 532-6348, or check out our website for more details on how to get started. We can't wait to welcome you to the Provident community, where you'll enjoy great benefits and support every step of the way!

Business Banking & Commercial Services

Merchant Services That Matter

In addition to loans, we offer merchant services that make transactions easier for your business. Imagine having a reliable payment processing system that lets you serve your customers without delays. Our merchant solutions ensure that you can accept various payment types, keeping your cash flow steady and your customers happy. Visit us at 1705 E Capitol Expy Ste 20 San Jose Ca 95121 in San Jose, CA, or call us at (408) 532-6348 to learn more about how our business banking services can empower your enterprise!

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. - We also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $294,797,182, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

Auto Loans & Vehicle Financing

Thinking about purchasing a new car? Our Auto Loans & Vehicle Financing options can help make that dream a reality. We offer competitive rates and flexible terms that cater to your budget. Picture driving off in your new vehicle knowing you've secured an affordable loan that fits your needs.

Business Banking Solutions

For business owners, we provide robust Business Banking solutions including merchant services and business loans. Whether you're launching a startup or seeking funding for expansion, our team understands the unique challenges businesses face and is ready to support your growth.

Convenient Access

At Provident, convenience is key. Our Online & Mobile Banking services allow members to bank anytime, anywhere. With features like person-to-person payments and ATM access for quick withdrawals and balance checks, managing your finances has never been easier. We also offer basic shared branch transactions for members of partner credit unions, ensuring you have access to essential banking services no matter where you are. For any questions or further assistance regarding our services, feel free to contact us at (408) 532-6348. We're here to help! Discover all the ways we can support your financial journey by visiting us today! Your goals are within reach at Branch Office!

Credit Cards with Rewards

With our Credit Cards with Rewards, every purchase brings you closer to exciting rewards and benefits. Imagine earning points on groceries or gas that can be redeemed for travel or cashback it's just one more way we help enhance your financial well-being.

Mortgage Loans & Refinancing

Homeownership is within reach with our comprehensive Mortgage Loans & Refinancing services. Whether you're buying your first home or looking to refinance an existing mortgage for better rates, our knowledgeable team will guide you through the process. We know that every homeowner has different needs, and we are committed to finding the right loan solution for you.

Personal Banking Solutions

Managing your day-to-day finances has never been easier with our Personal Banking options. We provide checking and savings accounts tailored to fit your lifestyle. Imagine having the freedom to track your spending with ease while building savings for future goals. Our accounts come with online banking features, allowing you to monitor transactions, pay bills, and transfer money right from your mobile device or computer. With our e-statements, you'll also enjoy a paperless experience that's both eco-friendly and efficient.

Personal Loans & Debt Consolidation

If you need extra cash for unexpected expenses or want to consolidate debt into one manageable payment, our Personal Loans & Debt Consolidation services are here to assist. You can gain peace of mind knowing there are options available that can help lighten your financial load.

Digital & Online Banking

At Provident, we understand that managing your finances should be as easy and secure as possible. That's why we offer a variety of digital and online banking services designed to fit your busy lifestyle. Whether you're at home or on the go, our services ensure you have everything you need right at your fingertips. With our 24/7 online banking platform available at https://providentcu.org/, you can access your accounts anytime, anywhere. Check balances, view transaction history, and manage your funds with just a few clicks. Our user-friendly interface makes it simple to navigate through all your banking needs without any hassle. For added convenience, we provide E-Statements that allow you to receive your account statements electronically. This not only saves paper but also helps you keep track of your finances more efficiently. Plus, if you ever need to sign documents quickly, our electronic signature authorization feature allows you to do so easily and securely. Our mobile application brings banking directly to your smartphone, giving you the power to handle transactions on the go. You can make mobile payments effortlessly and transfer money between friends with our person-to-person transfers feature. Imagine being able to split a dinner bill or send money for a gift instantly it's all possible with our tools! Security is a top priority at Provident. You can feel confident knowing that your personal information is protected while using our online services. We continually update our security measures to ensure that your data remains safe. In summary, whether you're looking for easy access to your accounts or innovative ways to manage your money, Provident has got you covered with our comprehensive digital banking solutions. Explore all these features today at https://providentcu.org/ and take control of your financial journey!

Financial Strength

Growing Together

Total Share and Deposit Accounts: 283,425 show a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $6,101,921 further illustrates our commitment to supporting our community. In conclusion, 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 1705 E Capitol Expy Ste 20 San Jose Ca 95121 or call (408) 532-6348 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.

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

Member-Centric Savings Options

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 $0 reflects our operational efficiency, 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 are always ready to serve you with a knowledgeable, committed team.

Solid Financial Health

With a net worth of $360,706,481, we maintain robust 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. Whether it's for a brand-new model or a reliable used car, we can help you find the perfect financing solution.

Business Financing

For business owners, our outstanding commercial loans totaling $294,797,182 provide the capital needed to grow and expand. We understand that businesses require support tailored to their specific challenges and ambitions. Whether you're interested in refinancing options or want to explore eligibility requirements for any of these products, our team is here to guide you through every step. Don't hesitate to reach out via phone at 408-532-6348 or visit us at our branch located at 1705 E Capitol Expy Ste 20 San Jose Ca 95121. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Your financial journey is important to us; let's take the next step together!

Credit Lines

Our total credit lines amount to $1,346,922,422, providing ample opportunities for those who need ongoing access to funds. This flexibility allows you to handle unexpected expenses or plan for larger purchases without straining your budget.

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 provide flexible terms and competitive rates to assist you in making one of the most significant investments of your life.

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 are designed to give you convenience and purchasing power without needing collateral.

Loan Aggregator

Benefits of Using LendMesh

LendMesh provides several key advantages: - Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. - Real-Time Rate Comparisons: Users have access to up-to-date loan rates from multiple institutions, making it easier to find the best fit for their needs. Thousands of users trust LendMesh for loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This kind of feedback underscores the platform's reliability and user-centric approach. To explore your options and compare real-time loan offers today, visit LendMesh and find the best rates tailored to your needs. *Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.*

Ensuring 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 all loan offers presented are fair and transparent. Each listing reflects the most current rates available, helping users make informed choices without hidden surprises.

Provident