Provident Credit Union San Mateo CA | Low Mortgage Rates & Business Loans

Introduction

Welcome to Provident, your trusted partner in financial well-being since 1950. Nestled in the heart of San Mateo, CA, at 2727 S El Camino Real Ste B, 94403, we are proud to serve a vibrant community of over 134,964 members. Our commitment to providing personalized banking solutions is reflected in our robust portfolio, which includes total assets amounting to an impressive $3,510,110,738 and total deposits of $383,244,145. At Provident, we understand that financial journeys are unique. Whether you're looking for an auto loan or exploring options for personal savings, our dedicated team is here to guide you every step of the way. With a strong focus on community impact and member satisfaction, we strive to create meaningful relationships built on trust and transparency. Our leadership team, headed by CEO James Ernest and Board President June Rothe, is committed to fostering an environment where every member feels valued. With a workforce of 332 employees, we're here to ensure you receive top-notch service whether you're visiting us in person or accessing our online banking services. While members can visit us at our branch location, official correspondence should be sent to the same address: 2727 S. El Camino Real Ste. B, San Mateo, CA 94403. We invite you to explore all that we have to offer. From competitive loan rates with a total of 50,665 loans and leases issued to modern banking conveniences like mobile payments and online banking services, there's something for everyone at Provident. Ready to take the next step? Call us at (650) 522-8564 or visit our website at providentcu.org today! We look forward to helping you achieve your financial goals!

Branch History & Mission

Welcome to Provident, your trusted credit union located at 2727 S El Camino Real Ste B, San Mateo, CA 94403. Since our establishment in 1950, we have built a rich legacy of serving the financial needs of our community with dedication and care. Over the years, we have grown significantly, now proudly serving 134,964 members with total assets amounting to an impressive $3,510,110,738. Our mission is simple yet profound: to empower our members by providing accessible financial services while fostering a spirit of community support. We believe that everyone deserves the opportunity to achieve their financial goals and improve their lives. At Provident, we strive to make banking easier and more inclusive through various services such as personal banking accounts, auto loans, mortgages, credit cards with rewards, and business banking solutions. As we continue to evolve, we embrace modern technology to enhance member experience. Our branch offers ATM availability for convenient cash access and a robust online banking platform that includes mobile payments and e-statements. We are committed to ensuring that our services are user-friendly and accessible to everyone, regardless of their needs. While you can visit us at our branch location in San Mateo, official correspondence should be directed to the same address: 2727 S. El Camino Real, Ste. B, San Mateo, CA 94403. Our friendly staff is here to assist you 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 2:00 PM. At Provident, community outreach is at the heart of what we do. We collaborate with local organizations and initiatives aimed at improving the lives of those around us. Our shared service center provides basic transactions for members of partner credit unions, reinforcing our commitment to cooperative banking. We invite you to experience the benefits of membership with Provident. Join us today and discover how we can support you on your financial journey! For any inquiries or assistance, feel free to contact us at 650-522-8564. Together, let's build a brighter financial future!

Branch Location & Accessibility

Accessibility Features

Our branch is designed with accessibility in mind, ensuring that everyone can comfortably visit us. There's ample parking available, including designated spaces for those with disabilities. The entrance features ramps and ADA-compliant facilities so that all our members can access our services without any hassle.

Connect With Us

We encourage you to visit us at Provident for all your banking needs! If you have any questions or want more information about our services before coming by, feel free to give us a call at 650-522-8564. We look forward to serving you soon!

Operating Hours & Services

At Provident, we know how busy life can get, which is why we offer flexible hours to suit your schedule. Our lobby is open from Monday to Thursday from 9:00 AM to 5:00 PM, on Fridays until 6:00 PM, and Saturdays from 9:00 AM to 2:00 PM. Whether you need assistance with personal banking, auto loans, or mortgage refinancing, our friendly staff is here to help. For your convenience, we also provide ATM services right outside our branch. While we don't have drive-thru banking at this location, our team is always ready to assist you inside. Plus, as part of a shared service center network, you can complete basic transactions such as deposits and withdrawals even if you're a member of another partner credit union.

Member Eligibility

At Provident, we believe that becoming a member means joining a caring community where your financial well-being is our top priority. If you're looking to experience the personalized service and benefits we offer, you'll be happy to know that eligibility is quite straightforward! Our membership is open to anyone who lives, works, or worships in the communities we serve. This includes people who have family members already part of our credit union, ensuring that more of your loved ones can benefit from the supportive services we provide. To take the next step toward becoming a member at Provident, simply visit us at 2727 S El Camino Real Ste B San Mateo Ca 94403 or give us a call at (650) 522-8564 for any questions you might have. We're here to help you through the easy account opening process and guide you every step of the way. For detailed information on eligibility criteria, feel free to check out our website at . Join us today and unlock a world of financial possibilities!

Business Banking & Commercial Services

Merchant Services

In addition to loans, our merchant services provide practical tools that make daily operations smoother. Imagine effortlessly accepting payments from customers whether they pay with a card or through mobile options. These services free up your time so you can focus on what matters most growing your business. Located at 2727 S El Camino Real Ste B San Mateo Ca 94403 in San Mateo, CA, we're here to partner with you on your journey. Let's work together to create a brighter financial future for your business! For more information, call us at (650) 522-8564.

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. - 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

ATM Services & Shared Branch Access

Need cash? Our ATM and cash withdrawal services make accessing your money simple. Additionally, our shared branch transactions allow members of partner credit unions to perform basic deposits and withdrawals at our location making banking even more accessible. At Provident, we believe that quality service should be available for everyone in our community. Come visit us at 2727 S El Camino Real Ste B San Mateo Ca 94403, call us at (650) 522-8564, or explore our offerings online at Branch Office. Let us be your trusted partner in achieving financial wellness!

Auto Loans & Vehicle Financing

Looking to purchase a new car? Our auto loans and vehicle financing options provide competitive rates and flexible terms. This means more freedom for you to choose the vehicle that fits your lifestyle without breaking the bank. Picture yourself driving off in your dream car, knowing you've secured a great deal!

Business Banking Services

For our local entrepreneurs, we offer robust business banking solutions, including merchant services and business loans. Running a business is challenging, but with the right support, it becomes manageable. Let us help fuel your entrepreneurial journey.

Credit Cards with Rewards

We also provide credit cards with rewards, allowing you to earn points for every dollar spent. Whether it's for travel, dining, or shopping, these rewards can add up quickly, making everyday purchases even more rewarding.

Digital Banking Convenience

In today's fast-paced world, convenience matters. That's why we emphasize our online and mobile banking features. With just a few taps on your smartphone or clicks on your computer, you can manage accounts, transfer funds, pay bills, and more all from the comfort of home or on-the-go.

Home Financing Options

For those considering homeownership or looking to refinance, we offer comprehensive mortgage loans and refinancing options. Buying a home is one of the biggest decisions you'll make, and we're here to guide you through the process with personalized service and expert advice.

Personal Banking Solutions

Whether you are saving for a special occasion or managing your daily expenses, our personal banking services have got you covered. We offer checking and savings accounts designed to help you manage your money efficiently. Imagine having easy access to your funds whenever you need them, all while earning interest on your savings.

Personal Loans & Debt Consolidation

If you're facing unexpected expenses or want to consolidate debt, our personal loans can be a lifeline. These loans are straightforward and designed with your financial health in mind. Think about how much easier life could be without juggling multiple payments!

Digital & Online Banking

At Provident, we understand that convenience and security are paramount in today's fast-paced world. That's why we offer a robust suite of digital and online banking services designed to make your financial life easier and more secure. Whether you're at home or on the go, managing your finances has never been simpler. With our 24/7 Online Banking Services available at https://providentcu.org/, you can access your accounts anytime, anywhere. From checking balances to transferring funds, everything is just a few clicks away. Need to send money to a friend? Our Person-to-Person Transfers feature allows you to quickly and easily send money with just an email or phone number. For those who prefer mobile banking, our Mobile Application provides all the tools you need right in the palm of your hand. You can make payments using our Mobile Payments Feature, view your transactions, and even sign documents securely with Electronic Signature Authorization no need for paper or printing! We also prioritize your privacy and security. With features like E-Statements Availability, you can keep track of your financial statements electronically, reducing clutter while keeping everything safe and accessible. Plus, our user-friendly interface ensures that even if you're not tech-savvy, you'll find navigating through your account a breeze. Join us at Provident today and experience how our digital banking services can simplify your life while keeping your finances secure. For more information, visit us at https://providentcu.org/ or give us a call at (650) 522-8564. Let us help you take control of your banking whenever and wherever you need it!

Financial Strength

Commitment to Excellence

Our operational efficiency is reflected in our $0, which enables 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, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Growing Member Base

Total Share and Deposit Accounts: 283,425, show a strong and growing member base that trusts us with their finances. Our commitment to serving you with excellence 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 2727 S El Camino Real Ste B San Mateo Ca 94403 or call (650) 522-8564 to learn more about how we can help you achieve your financial goals.

Reinvesting in Our Members

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 with $13,697 in used auto loans and $2,598,460,252 in total loans and leases.

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. 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. We have already issued $22,715,796 in used vehicle loans and $84,156,509 in new vehicle loans, helping members get on the road with confidence. Whether you're purchasing a brand-new model or a reliable used vehicle, our financing options are tailored to fit your budget.

Business Loans

For business owners, our outstanding commercial loans totaling $294,797,182 provide the capital needed to grow and expand. Whether it's for equipment purchases or operating expenses, we're here to support your business ambitions. If you're considering refinancing or exploring eligibility options for any of these products, our team is ready to assist you every step of the way. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. At Provident, we're dedicated to supporting your financial future with reliable loan options tailored just for you.

Credit Lines

For those looking for more flexibility in their borrowing options, our total credit lines amount to $1,346,922,422. This allows you to access funds when needed without the hassle of applying for a new loan each time.

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 competitive rates and flexible terms to help you secure the home of your dreams.

Unsecured Credit Card Loans

Managing finances effectively is crucial. We also offer flexible terms on unsecured credit card loans, with a total of $44,004,033 in loans available to assist you in managing daily expenses and unexpected costs.

Loan Aggregator

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 approach ensures fair and transparent offers for all users. By partnering with institutions that adhere to these standards, LendMesh guarantees that the information you receive is both accurate and trustworthy.

Key Benefits of Using LendMesh

LendMesh stands out for its focus on verified data and unbiased comparisons: - Verified Data: All loan offers come from legitimate financial institutions, ensuring transparency in your choices. - No Sponsored Listings: Unlike many comparison sites, LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. - Real-Time Rate Comparisons: You have access to up-to-date loan rates from multiple institutions, helping you make informed decisions quickly. Thousands of users trust LendMesh for loan comparisons. One member shared their experience: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Such testimonials highlight the effectiveness of using this tool. Compare real-time loan offers today at LendMesh and find the best rates for 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.

Provident