Provident Credit Union Sunnyvale CA | Best Auto Loans & Business Banking

Introduction

Welcome to Provident, your trusted financial partner located at 398 W El Camino Real Ste 112, Sunnyvale, CA 94087. Established in 1950, we have proudly served our community for over seven decades, fostering a culture of trust and commitment. With a growing membership of 134,964 and total assets amounting to an impressive $3,510,110,738, we are dedicated to supporting you in achieving your financial goals. At Provident, we understand that each member has unique needs. That's why we offer a wide range of services, including personal banking solutions like checking and savings accounts, auto loans, mortgage financing, credit cards with rewards, and business banking options. Our goal is to provide you with the tools necessary to succeed financially. Led by our CEO, James Ernest, and Board President June Rothe, our team of 332 employees is here to assist you every step of the way. We take pride in being part of the Sunnyvale community and are committed to making a positive impact through our various initiatives and support programs. While members can visit us at our branch for all their banking needs, official correspondence should be directed to our mailing address: 398 W El Camino Real Ste 112, Sunnyvale, CA 94087-1398. If you're ready to experience exceptional service tailored just for you, give us a call at (408) 746-9875 or visit our website at providentcu.org. We're here to help you thrive!

Branch History & Mission

Join Us Today!

As we continue this journey together, we invite you to become part of the Provident family. Experience firsthand how we can help you manage your finances better while supporting initiatives that uplift our community. Whether you're looking for personal banking solutions or want to learn more about becoming a member, reach out at 408-746-9875 or visit us online at Provident Credit Union. Together, let's build a brighter financial future!

Our Journey

From humble beginnings, Provident has evolved into a trusted partner for individuals and families seeking financial stability and growth. Our journey began with a small group of members who wanted to create a financial institution that prioritized people over profits. As we expanded our services, we embraced modern banking technologies while maintaining our core values of trust and community support. Our branch is conveniently located near popular landmarks in Sunnyvale, making it easy for our members to access essential banking services. We are open during convenient hours from Monday to Friday, 9:30 AM to 6:00 PM, and on Saturday from 9:00 AM to 2:00 PM, ensuring we are here when you need us.

Our Mission

At Provident, our mission is clear: to empower our members with the financial tools they need to achieve their goals while actively giving back to the community. We offer a range of services including personal banking, auto loans, mortgage loans, and business banking solutions tailored to meet diverse needs. We believe that everyone deserves access to quality financial services. This commitment drives us to provide ADA-compliant facilities and customer-centric initiatives that make banking easier for all. We also take pride in our partnerships with local organizations that enhance community outreach efforts, ensuring we contribute positively beyond just financial transactions. While members can visit us at 398 W El Camino Real Ste 112, official correspondence should be sent to 398 W El Camino Real Ste 112, Sunnyvale, CA 94087-1398 if necessary.

Branch Location & Accessibility

Convenient Access and Features

At Provident, we understand that your time is valuable. That's why we ensure ample parking space for our visitors and feature ADA-compliant access to accommodate everyone. While our branch doesn't have drive-thru service, our friendly staff is always ready to assist you inside. For those who may need to send official correspondence, please note that while you can visit us at 398 W El Camino Real Ste 112 Sunnyvale Ca 94087, you can also use our mailing address: 398 W El Camino Real Ste 112, Sunnyvale, CA 94087-1398.

Operating Hours

We know that life gets busy, so we've tailored our operating hours for your convenience. You can visit us from Monday through Friday, 9:30 AM to 6:00 PM, and on Saturdays from 9:00 AM to 2:00 PM. This flexible schedule makes it easy for you to fit a visit into your day!

Services Offered

Provident offers a wide range of services including personal banking, auto loans, mortgage refinancing, and credit cards with rewards. We also provide basic shared branch transactions for partner credit union members and easy ATM access right here at our location. If you have any questions or need assistance, feel free to give us a call at (408) 746-9875. Our dedicated team is eager to help you make the most of your banking experience.

Visit Us Today!

We invite you to drop by Provident at 398 W El Camino Real Ste 112 Sunnyvale Ca 94087 and discover how we can support your financial goals. Whether you're looking for a new account or exploring loan options, we're here for you every step of the way!

Member Eligibility

At Provident, we believe that becoming a member means joining a family that supports your financial journey. If you're interested in membership, you'll be happy to know that eligibility is quite simple! Residents of the community, employees of partner organizations, and their families can all become part of our welcoming credit union. This means if you live or work near us at 398 W El Camino Real Ste 112 Sunnyvale Ca 94087, you're likely eligible to enjoy all the benefits we offer, from competitive rates on loans to personalized banking services. For specific details about eligibility requirements, feel free to check out our website at . Getting started is easy! Simply reach out to us at (408) 746-9875 or visit our branch to open your account. Our friendly staff is here to guide you through every step of the process so you can start enjoying the advantages of being part of Provident. We can't wait to welcome you into our community!

Business Banking & Commercial Services

Merchant Services Made Easy

In addition to loans, we provide merchant services that simplify payment processing for your business. Picture this: a customer walks into your store, selects their items, and with a quick swipe or tap on their card, the transaction is complete. This ease of payment not only enhances customer satisfaction but also boosts your sales potential. Visit us at 398 W El Camino Real Ste 112 Sunnyvale Ca 94087 in Sunnyvale, CA, or call us at (408) 746-9875 to learn more about how our business banking services can empower your entrepreneurial journey!

Supporting 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. - With an outstanding commercial loan portfolio of $294,797,182, we continue to drive economic growth by financing new and expanding businesses. Imagine having the funds to expand your operations, purchase new equipment, or hire additional staff. Our business loans are crafted to meet your specific needs, whether you're looking for short-term financing or long-term investments.

Comprehensive List Of Services

Accessibility

At Provident, we are committed to ensuring that banking is accessible for all our members. We have an ATM available for quick access to your funds, along with basic ATM functions like balance checks and withdrawals. If you're ready to experience convenient banking tailored just for you, reach out today! Call us at (408) 746-9875 or visit us at our branch location. Let's work together towards achieving your financial goals!

Business Banking

For entrepreneurs and business owners, we understand the importance of reliable financial support. Our Business Banking services include tailored solutions such as Merchant Services & Business Loans, designed to help your business thrive.

Credit and Loans

Sometimes life throws unexpected expenses your way. That's where our Personal Loans & Debt Consolidation services come into play, helping you regain control of your finances. Additionally, our Credit Cards with Rewards program allows you to earn points on everyday purchases, turning spending into savings.

Digital Banking Solutions

In today's fast-paced world, convenience is key. With our robust Online & Mobile Banking, managing your accounts has never been easier. You can access your funds anytime and anywhere through features like ATM & Cash Withdrawal Services, making it simple to get cash when you need it most. We also provide basic shared branch transactions for partner credit union members, so you can perform deposits and withdrawals even when you're away from home.

Personal Banking

We offer various Personal Banking options designed to fit your lifestyle. Our Checking & Savings Accounts allow you to manage your daily transactions while saving for future goals. If you're considering a new vehicle, our Auto Loans & Vehicle Financing solutions provide competitive rates to help you hit the road without breaking the bank. For those looking to purchase or refinance a home, our Mortgage Loans & Refinancing options make it easy and straightforward.

Digital & Online Banking

Key Features of Our Digital Banking Services

With our 24/7 online banking services, you can check your account balances, view transaction history, and transfer money with just a few clicks. Need to send money to a friend? Our person-to-person transfers make it simple and quick, letting you send funds securely without hassle. Prefer using your smartphone? Our mobile application is readily available, giving you the power to manage your accounts on the go. Plus, with mobile payments enabled, making purchases or paying bills directly from your phone has never been more convenient. We take security seriously at Provident. Our electronic signature authorization ensures that your transactions are safe and valid, giving you peace of mind as you conduct your banking online. Additionally, we provide e-statements for easy access to your account statements without the clutter of paper. Whether you're at home or out and about, our digital banking services are designed for real-time account management. Join us at Provident and experience the ease of modern banking tailored to fit your lifestyle!

Financial Strength

Investment in 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 impressive; with $13,697 in used auto loans and $2,598,460,252 in total loans and leases, we support members' financial goals across various sectors.

Member Savings Security

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.

Member Trust

Total Share and Deposit Accounts stand at 283,425, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments) total $6,101,921, further solidifying our commitment to serving your needs. 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 398 W El Camino Real Ste 112 Sunnyvale Ca 94087 or call (408) 746-9875 to learn more about how we can help you achieve your financial goals.

Operational Efficiency

Our performance reflects our operational efficiency 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.

Our 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.

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 you prefer a brand-new model or a reliable used vehicle, we have financing solutions that can work for you.

Business Financing

For business owners, our outstanding commercial loans totaling $294,797,182 provide the capital needed to grow and expand. We recognize that every business has unique needs, and our team is ready to assist you in finding the right financing solution. We also believe in transparency when it comes to eligibility and refinancing options; don't hesitate to reach out if you have questions about how we can support you financially. Our commitment is not just about providing loans; it's about building long-lasting relationships with our members. If you're interested in learning more about our loan products or want personalized assistance, please visit us at 398 W El Camino Real Ste 112 Sunnyvale Ca 94087 in Sunnyvale, CA, or call us at (408) 746-9875. 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 with confidence!

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 also provide guidance through the application process and offer competitive rates to ensure you find the right fit for your budget.

Unsecured Credit Card Loans

Managing everyday 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. This allows you to make purchases while keeping your cash flow intact.

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Provident