Provident Credit Union San Ramon CA | Affordable Vehicle Loans & Business Banking

Introduction

Welcome to Provident, your trusted financial partner located at 11030 Bollinger Canyon Rd Ste 190, San Ramon, CA 94582. Since our establishment in 1950, we have proudly served our community with a commitment to excellence and member satisfaction. With a robust membership base of 134,964 individuals, we strive to provide personalized banking solutions tailored to meet your unique needs. At Provident, our total assets amount to an impressive $3,510,110,738, showcasing our strong financial stability. We believe that everyone deserves access to quality financial services, which is why we offer a diverse range of products including checking and savings accounts, auto loans, mortgage options, personal loans, and business banking services. Our total deposits stand at $383,244,145, reflecting the trust our members place in us. Our dedicated team of 332 employees, led by CEO James Ernest and Board President June Rothe, is here to support you every step of the way. Whether you're looking for assistance with loans or simply want to inquire about our services, we're just a phone call away at 925-648-0684. While members can visit us at our branch location for all your banking needs, official correspondence should be sent to 11030 Bollinger Canyon Road, Ste. 190, San Ramon, CA 94582. Join us today and experience the difference that comes with being part of a community-focused credit union. Explore our website at providentcu.org or stop by 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. We look forward to serving you!

Branch History & Mission

At Provident, our journey began in 1950 in the vibrant community of San Ramon, CA. Over the years, we have grown from a small credit union into a trusted financial partner for over 134,000 members. Our branch is located at 11030 Bollinger Canyon Rd Ste 190, San Ramon, CA 94582, a convenient spot where we strive to make banking accessible and friendly for everyone. Since our inception, our mission has been clear: to provide exceptional financial services while fostering a strong sense of community support. We believe in empowering individuals and families by offering personalized banking solutions that meet their unique needs. Whether you're looking for checking accounts, auto loans, mortgages, or business banking services, we are here to help you succeed financially. As we evolved through the decades, we've embraced technological advancements to enhance your experience. From online and mobile banking to person-to-person payment options, we ensure that managing your finances is easy and efficient. Our commitment to accessibility is also reflected in our compliance with ADA standards. In addition to our robust financial offerings, we take pride in actively engaging with our local community. Through various outreach programs and partnerships with local organizations, we aim to give back and make a positive impact on those around us. While members can visit us at 11030 Bollinger Canyon Rd Ste 190 San Ramon Ca 94582, official correspondence should be sent to 11030 Bollinger Canyon Road, Ste. 190, San Ramon, CA 94582 if it differs from our branch location. Our doors are open during the following 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. We invite you to join us at Provident Credit Union. Experience the difference of being part of a community-focused institution dedicated not just to your financial success but also to enriching lives in San Ramon and beyond. Reach out today at (925) 648-0684 or visit us online at providentcu.org to learn more about how we can serve you!

Branch Location & Accessibility

Come Visit Us!

With friendly staff ready to assist you, Provident is more than just a credit union; it's a community hub where you can feel right at home with your finances. We invite you to stop by or call us at 925-648-0684 for any inquiries or assistance. Your financial journey starts here come see us today!

Convenient Access and Features

We pride ourselves on making banking as accessible as possible. Our branch offers ample parking for your convenience, along with features that ensure everyone can easily access our services. We are ADA compliant and have ramps available for those who need assistance. At Provident, we understand that your time is valuable. That's why we offer flexible 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. This means you can come by when it suits you best!

Services Tailored for You

Our branch provides a wide range of services designed to meet your personal and business banking needs. From checking and savings accounts to auto loans and mortgage refinancing, we've got you covered. We also offer credit cards with rewards and essential business banking services including merchant support. For added convenience, you can take advantage of our ATM availability for quick cash withdrawals or balance checks anytime. While we do not currently offer drive-thru banking at this location, our shared service center allows members from partner credit unions to conduct basic transactions like deposits and withdrawals.

Member Eligibility

At Provident, we believe that everyone deserves the chance to join a community that truly cares. Becoming a member is easier than you might think! If you live, work, or worship in certain areas, or if you're related to someone who is already a member, you're likely eligible to join us. We welcome individuals from diverse backgrounds and circumstances because our goal is to support you on your financial journey. For more detailed eligibility criteria, feel free to check out our resource at . Once you're ready to take the next step, opening an account with us is a breeze. You can reach out to us at (925) 648-0684 for any questions or guidance, or simply visit us at our branch located at 11030 Bollinger Canyon Rd Ste 190 San Ramon Ca 94582. Our friendly team is here to help you every step of the way. Join Provident today and experience the benefits of being part of a supportive community that prioritizes your needs!

Business Banking & Commercial Services

Practical Merchant Services

In addition to loans, we offer merchant services that simplify transactions for you and your customers. Imagine seamlessly processing payments while managing cash flow effectively our services are designed to enhance your operational efficiency. Whether you run a retail store or a service-based business, our tailored solutions can help streamline your processes. Discover how Provident can empower your business today! Visit us at 11030 Bollinger Canyon Rd Ste 190 San Ramon Ca 94582 or call us at (925) 648-0684 for more information.

Supporting Your Business Growth

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

ATM & Cash Withdrawal Services

Need cash on the go? Our ATM & Cash Withdrawal Services ensure that you have easy access to your funds whenever you need them. With ATMs conveniently located across the area, withdrawing cash has never been easier.

Auto Loans & Vehicle Financing

Thinking about buying a new car? Our Auto Loans & Vehicle Financing options provide competitive rates and flexible terms to help you get behind the wheel without breaking the bank. Imagine driving off in your dream vehicle while enjoying manageable monthly payments that fit your budget.

Business Banking

Small business owners will find valuable resources in our Business Banking services, which include Merchant Services & Business Loans. We know how vital cash flow is for running a business, so we're here to help simplify transactions and fund growth opportunities.

Credit Cards with Rewards

For those who love to earn while they spend, our Credit Cards with Rewards program allows you to earn points on purchases that can be redeemed for travel, merchandise, and more. It's like getting paid for using your card!

Mortgage Loans & Refinancing

Owning a home is a significant milestone, and at Provident, we offer various Mortgage Loans & Refinancing solutions. Whether you're looking to purchase your first home or refinance an existing mortgage for better terms, our friendly team is here to guide you through every step of the process.

Online & Mobile Banking

In today's fast-paced world, convenience is key. That's why we offer robust Online & Mobile Banking options. Access your accounts anytime, anywhere; pay bills, transfer funds, and even send money to friends or family easily through person-to-person payments.

Personal Banking

We understand that each member's financial journey is unique. That's why our personal banking services, including Checking & Savings Accounts, are designed with your needs in mind. Whether you're saving for a vacation or managing daily expenses, our accounts come with features that make banking easy and convenient.

Personal Loans & Debt Consolidation

If life throws unexpected expenses your way, our Personal Loans & Debt Consolidation services can provide the financial relief you need. Picture consolidating multiple debts into one manageable payment, making it easier for you to regain control of your finances.

Shared Branch Transactions

As part of our commitment to community and collaboration, we also offer basic shared branch transactions such as deposits and withdrawals for partner credit union members. This means more ways for you to manage your money without hassle. At Provident, we aim to make banking simple and straightforward while providing excellent service every step of the way. If you have any questions or would like more information about how we can assist you financially, don't hesitate to reach out! Give us a call at (925) 648-0684 or visit us today!

Digital & Online Banking

E-Statements and Mobile Features

Stay organized and go green with e-statements available at Provident. No more clutter from paper statements view your financial information securely online whenever you want. And for those on the go, our mobile application makes banking even more accessible. You can deposit checks, pay bills, and send money with ease through mobile payments. Need to send money to a friend? Our person-to-person transfer service lets you do that quickly and securely. Just a few taps on your smartphone, and you're done!

Security You Can Trust

We prioritize your security at every step of the way. Our digital banking services come equipped with advanced security measures to protect your information. You can bank confidently knowing that we take every precaution to keep your data safe. At Provident, we're committed to making your banking experience as easy and efficient as possible. Embrace the future of banking today!

Financial Strength

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 is substantial, with $13,697 in used auto loans and $2,598,460,252 in total loans and leases supporting your financial goals across various sectors. Our operational efficiency shines through with 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, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Growing Member Base

Total Share and Deposit Accounts stand at 283,425, reflecting a strong and growing member base that trusts us with their finances. Our net shares available for lending and investments amount to $6,101,921, further demonstrating our commitment to serving you. 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 11030 Bollinger Canyon Rd Ste 190 San Ramon Ca 94582 or call (925) 648-0684 to learn more about how we can help you achieve your financial goals.

Secure Savings Opportunities

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 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. This strength is further underscored by our net worth ratio of $1,027, which demonstrates a solid capital foundation. This ensures 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. We provide flexible terms and competitive rates designed to make your financing experience smooth and straightforward.

Credit Lines

Need extra cash for unexpected expenses? Our total credit lines amounting to $1,346,922,422 can provide you with the financial freedom you need. This option allows you to draw funds as needed while only paying interest on what you use. For business owners, our outstanding commercial loans totaling $294,797,182 provide the capital needed to grow and expand. We're committed to supporting our local businesses with tailored solutions that fit their unique challenges. If you're considering refinancing or want to explore eligibility options for any of our products, feel free to reach out! Our knowledgeable staff is here to guide you through every step of the process. You can contact us at 925-648-0684 or visit us at our branch located at 11030 Bollinger Canyon Rd Ste 190 San Ramon Ca 94582. 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 providing exceptional service and empowering our members with the right tools for financial success. Come see how we can help you today!

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 offer various mortgage products that can cater to first-time buyers as well as seasoned homeowners looking to refinance.

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 rewards programs and low-interest rates designed for your convenience.

Loan Aggregator

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Ensuring Accurate Comparisons

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Provident