Provident Credit Union San Jose CA | Low Mortgage Rates & Business Banking

Introduction

Welcome to Provident, your trusted financial partner located at 5801 Cottle Rd Ste 20, San Jose, CA 95123. Established in 1950, we have proudly served our community for over seven decades, building strong relationships with our members and fostering a spirit of cooperation and support. With a total membership of 134,964 individuals, we strive to meet the diverse financial needs of our community. At Provident, we believe in putting our members first. Our commitment to providing excellent service is reflected in our total assets of $3,510,110,738 and total deposits reaching $383,244,145. We understand that every financial decision matters whether it's securing an auto loan or exploring mortgage options and we're here to help guide you every step of the way. Under the leadership of our dedicated CEO, James Ernest, and Board President, June Rothe, we maintain a team of 332 employees who are passionate about delivering personalized banking experiences. We're not just a credit union; we're a vital part of the San Jose community. Our services include everything from personal banking options like checking and savings accounts to business loans that empower local entrepreneurs. While members can visit us at our branch address for all their banking needs, official correspondence should be directed to 5801 Cottle, Suite 20, San Jose, CA 95123. For any inquiries or assistance, feel free to reach us at (408) 224-0135. Join us at Provident as we continue to grow together and make a positive impact in San Jose! Visit us online at providentcu.org to learn more about our offerings or stop by our branch today!

Branch History & Mission

At Provident, we take pride in our rich history and unwavering commitment to the community of San Jose, California. Established in 1950, our branch has grown alongside its members, evolving from a small credit union to a trusted financial partner for over 134,964 members today. Located at 5801 Cottle Rd Ste 20, San Jose, CA 95123, our branch is easily accessible, nestled in a vibrant neighborhood that reflects the spirit of our diverse community. From our humble beginnings, Provident has always aimed to provide not just financial services but also genuine support to those we serve. Our mission is simple yet powerful: to enhance the financial well-being of our members while fostering a sense of community through meaningful connections and partnerships. We believe that when we empower individuals and families with the tools they need to succeed financially, we uplift the entire community. As we have expanded, so too have our offerings. Our total assets now stand at an impressive $3,510,110,738, reflecting our growth and stability. We offer a range of services tailored to meet the needs of our members from checking and savings accounts to auto loans, mortgage financing, personal loans, and credit cards with rewards. With modern conveniences like online banking and mobile payments available, managing your finances has never been easier. While members can visit us at 5801 Cottle Rd Ste 20, official correspondence should be sent to 5801 Cottle, Suite 20, San Jose, CA 95123. We are proud to offer ATM availability for quick cash withdrawals and essential transactions. Although we do not have drive-thru service at this branch location, we ensure that every member receives personalized attention during lobby hours: Monday through Friday from 9:30 AM to 6:00 PM and Saturday from 9:00 AM to 4:00 PM. Our commitment extends beyond just banking; it includes active participation in community outreach efforts that strengthen local ties. Through partnerships with various organizations and initiatives aimed at improving financial literacy and providing assistance during times of need, we strive to make a lasting impact on the lives of those around us. At Provident, we're more than just a credit union we're your partners in building a brighter future. Join us today and experience firsthand the benefits of being part of a community-focused institution dedicated to your financial success. For inquiries or assistance, feel free to reach out at (408) 224-0135. Together, let's create opportunities for everyone in San Jose!

Branch Location & Accessibility

A Range of Services Just for You

At Provident, we offer a variety of personal banking services tailored to meet your financial needs. From checking and savings accounts to auto loans and mortgage refinancing, we strive to provide solutions that work for you. Additionally, if you're a member of another credit union that participates in shared services, you can enjoy basic transactions like deposits and withdrawals right here at our location.

Connect With Us Today!

We invite you to stop by Provident anytime during our operating hours or give us a call at 408-224-0135 if you have questions before your visit. Our team is eager to assist you with all your banking needs. We look forward to seeing you soon!

Convenient Access and Amenities

At our location, you'll find ample parking available, making it simple for you to visit us. We are also committed to accessibility, featuring ADA-compliant facilities that ensure all members of our community can access our services comfortably. While we don't offer drive-thru banking at this branch, we do have an ATM on-site for quick cash withdrawals and balance checks whenever you need them.

Operating Hours That Fit Your Schedule

We know that life can be busy, which is why our operating hours are designed to accommodate your needs. Visit us Monday through Friday from 9:30 AM to 6:00 PM and Saturday from 9:00 AM to 4:00 PM. Whether you're looking to open a new account, discuss loans, or simply ask a question, our friendly staff is here to help. While members can visit us at our branch address, official correspondence should be sent to the same address: 5801 Cottle, Suite 20, San Jose, CA 95123.

Member Eligibility

Becoming a member of Provident is like joining a family that genuinely cares about your financial well-being. If you're looking for a supportive community, you'll be pleased to know that eligibility is open to anyone who lives, works, worships, or attends school in the area around our branch at 5801 Cottle Rd Ste 20 San Jose Ca 95123. This means if you're part of our vibrant San Jose community, you are likely already eligible to join us! We pride ourselves on offering a variety of services tailored to meet your needs, from personal banking and auto loans to business services and more. Joining is simple and straightforward! You can find detailed information about the eligibility criteria by visiting this link. If you're ready to open an account or have any questions, feel free to reach out at (408) 224-0135. We can't wait to welcome you into the Provident family and help you take the next step toward achieving your financial goals!

Business Banking & Commercial Services

Merchant Services That Matter

In addition to loans, we offer comprehensive merchant services that streamline payment processing for your business. Picture this: a customer walks into your store and makes a purchase using their mobile wallet. Our merchant solutions make this possible while ensuring you receive payments quickly and securely. These services not only enhance customer satisfaction but also keep your cash flow smooth. With an outstanding commercial loan portfolio of $294,797,182, we continue to drive economic growth by financing new and expanding businesses right here in San Jose, CA. Let us be your partner on the path to success! For more information, contact us at (408) 224-0135 or visit us at 5801 Cottle Rd Ste 20 San Jose Ca 95123.

Tailored Loan Solutions

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 empowers local entrepreneurs to turn their visions into reality. - We also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions. We believe that everyone deserves access to resources that can fuel their growth.

Comprehensive List Of Services

Business Banking Services

For our business members, we offer a range of solutions including merchant services and business loans to help you grow and manage your enterprise effectively. We understand that every business has unique challenges, so our team is ready to provide personalized support.

Convenient Access

In addition to traditional banking services, we know convenience matters. Our ATM services allow you to withdraw cash and check balances easily. If you're a member of a partner credit union, take advantage of basic shared branch transactions like deposits and withdrawals at our location. At Provident, we're committed to making banking accessible for everyone. Our digital features including mobile payments and person-to-person transfers ensure that managing your finances is as straightforward as possible. If you're ready to experience the benefits of membership at Provident, don't hesitate to reach out! Call us at (408) 224-0135 or visit us during our operating hours: Monday through Friday from 9:30 AM to 6:00 PM and Saturday from 9:00 AM to 4:00 PM. We look forward to serving you!

Credit Cards with Benefits

Our credit cards come with rewards that fit your spending habits. Whether you use them for everyday purchases or special occasions, you'll find options that provide cash back or points redeemable for travel and gifts.

Loans for Every Need

Life is full of opportunities, and having the right financing can make all the difference. At Provident, we offer auto loans and vehicle financing that can help you get behind the wheel of your dream car. If you're thinking about buying a home or refinancing an existing mortgage, our mortgage loans are designed to fit various budgets and goals. Personal loans and debt consolidation options are also available for those unexpected expenses or when you want to simplify your finances by combining multiple debts into one manageable payment.

Personal Banking Solutions

When it comes to managing your money, we offer a variety of personal banking services that make it easy and convenient. You can open checking and savings accounts that suit your lifestyle. Plus, with our online and mobile banking features, you can access your accounts anytime, anywhere. Imagine checking your balance while waiting for your morning coffee or transferring funds between accounts on the go!

Digital & Online Banking

Key Services

With our online banking platform, you can access your accounts 24/7. Whether you're checking your balance, transferring funds, or paying bills, everything is just a click away. Our user-friendly interface makes navigating through your accounts simple and intuitive. For those who prefer mobile banking, our mobile application is designed for quick access to all your banking needs. You can make mobile payments, ensuring that transactions are fast and efficient. Plus, you can send money to friends and family with ease using our person-to-person transfer feature.

Security and Accessibility

Your security is our priority. We offer electronic signature authorization for added protection when signing important documents online. With e-statements available, you can also keep track of your transactions while reducing paper waste it's good for both you and the environment. At Provident, we aim to make banking as hassle-free as possible. Whether it's late at night or early in the morning, our online services are always accessible when you need them most. Experience real-time account management that fits into your busy lifestyle. Join us today and take advantage of the convenience offered by our digital banking services!

Financial Strength

Commitment to Member Services

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. Additionally, 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. This robust lending environment reflects our dedication to helping you achieve your dreams, whether it's buying a new car or financing other significant life events.

Efficient Operations

Our operational efficiency is highlighted by a net income of $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. This ensures our branches are always ready to serve you with a knowledgeable, committed team.

Robust 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.

Secure 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. This means your hard-earned money is working for you while remaining safe with us.

Strong Membership Base

With total share accounts reaching 283,425, it's clear that more people are trusting us with their finances every day. Our dedication to serving our community remains unwavering. 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 5801 Cottle Rd Ste 20 San Jose Ca 95123 or call (408) 224-0135 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.*

Loan Offering

Additional Services

In addition to our lending products, we pride ourselves on offering a variety of services that cater to your banking needs. From personal banking services like checking and savings accounts to online banking and mobile payment options, we strive to make managing your finances as convenient as possible. If you're considering refinancing any of your existing loans or want more information about eligibility options for our various loan products, don't hesitate to reach out. Our knowledgeable team at Provident, located at 5801 Cottle Rd Ste 20 San Jose Ca 95123, San Jose, CA 95123, is ready to assist you. For inquiries or assistance, feel free to give us a call at (408) 224-0135 during our operating hours: M-F 9:30 am - 6:00 pm and Saturday 9:00 am - 4:00 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 navigate your financial journey today!

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 you're interested in financing a brand-new model or a reliable used vehicle, we have options that fit your budget and lifestyle.

Business Financing

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 your existing business operations, our team is here to assist you in finding the right financing solution.

Mortgage Options

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 aim to provide competitive rates and flexible terms, ensuring that you can secure the home of your dreams without unnecessary stress.

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. Our credit cards come with various rewards and benefits designed to enhance your purchasing power while keeping your spending manageable.

Loan Aggregator

Benefits of Using LendMesh

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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 users receive fair and transparent offers tailored to their needs. LendMesh prioritizes accuracy in its comparisons by verifying each lender's information before presenting it to users.

Provident