Provident Credit Union Dover DE | Affordable Auto Loans & Business Banking

Introduction

Welcome to Provident, your trusted credit union located at 401 S New St, Dover, DE 19904. Established in 1964, we have proudly served our community for decades, fostering a sense of belonging and financial empowerment among our 1,658 members. With total assets of $11,805,597 and total deposits reaching $1,250,850, we are committed to providing the best banking services tailored to meet your needs. At Provident, we understand that financial decisions can feel overwhelming. That's why our dedicated team of 6 employees, led by CEO Francine Wilson and Board President William Hill, is here to guide you every step of the way. Whether you're looking for personal loans, auto financing, or savings accounts, we've got you covered with a variety of options designed just for you. While you can visit us directly at our branch for all your banking needs, please send any official correspondence to our mailing address: 401 S New Street, Dover, DE 19904. Our lobby hours are convenient too open Monday through Friday from 8 AM to 4 PM. With a strong net worth of $1,663,337 and cash in hand totaling $249,955, we pride ourselves on being financially sound and ready to support our members' dreams. Our commitment goes beyond numbers; it's about making a positive impact in the lives of those we serve. We invite you to explore our wide range of services from checking and savings accounts to auto loans and mortgage refinancing. Connect with us today at providentfcu.com or give us a call at 302-734-1133. Your journey towards financial wellness starts here!

Branch History & Mission

At Provident, we are proud of our rich legacy and commitment to serving the community. Established in 1964, our branch has been a cornerstone for financial stability and growth in Dover, DE. Located at 401 S New St, we have created a welcoming space for our members to access essential banking services while building lasting relationships. Our branch stands as a testament to decades of trust and dedication. Over the years, Provident has experienced significant growth, now boasting a membership of over 1,658 individuals. With total assets reaching an impressive $11,805,597, we have expanded our offerings to meet the diverse needs of our community. We take pride in providing personal banking options such as checking and savings accounts, auto loans, mortgage loans, credit cards with rewards, and business banking services. Our mission is simple yet impactful: to empower our members through accessible financial services while actively supporting our local community. We believe in fostering financial literacy and promoting economic well-being among all residents of Dover. This commitment drives us to engage in various outreach initiatives that support education and local development. While members can visit us at 401 S New St Dover De 19904, official correspondence should be sent to 401 S New Street, Dover, DE 19904 if it differs. Our operating hours are Monday through Friday from 8 AM to 4 PM, making it easy for you to stop by for assistance or inquiries. For those who prefer convenience, we also offer drive-thru banking services for quick transactions. Provident is not just about banking; it's about building a better future together. We are dedicated to ensuring that all our facilities comply with ADA standards so everyone can enjoy equal access to our services. Furthermore, we embrace digital advancements by providing online banking options that allow members to manage their finances from anywhere. We invite you to join us on this journey toward financial empowerment and community support. Explore the benefits of being a member at Provident today! For more information or assistance, feel free to call us at (302) 734-1133 or visit our website at Provident. Together, let's build a brighter future!

Branch Location & Accessibility

Operating Hours

At Provident, we understand that your time is valuable. That's why we offer convenient lobby hours from Monday through Friday, opening bright and early at 8 AM and closing at 4 PM. This gives you plenty of time throughout the week to handle your banking tasks without feeling rushed.

Services Offered

Our branch provides a variety of services designed to help you manage your finances effortlessly. You can expect personal banking options like checking and savings accounts, as well as auto loans and vehicle financing tailored to fit your lifestyle. Need assistance with mortgages or personal loans? Our team is here to guide you every step of the way. For those quick transactions, we offer drive-thru banking, allowing you to make deposits and withdrawals without leaving your car. However, please note that we currently do not have ATM availability on-site. If you have any questions or need assistance, don't hesitate to reach out! You can contact us at 302-734-1133. We invite you to come visit us at Provident today your financial journey starts here!

Member Eligibility

Joining the friendly community at Provident is a simple and welcoming process! If you live, work, or worship in Kent County, Delaware, you're likely eligible to become a member. This means that anyone who has a connection to our vibrant local community can enjoy the benefits of membership, which include personalized financial services and support tailored just for you. To learn more about specific eligibility requirements, feel free to visit our website at https://www.providentfcu.com/membership/. Once you're ready to take the next step, opening an account is just as straightforward. You can easily set up your new membership by visiting us in person at 401 S New St Dover De 19904, or you can start the process online by following this link: https://providentfcu-dn.financial-net.com/web. If you have any questions or need assistance, don't hesitate to reach out to us at (302) 734-1133. We can't wait to welcome you to Provident!

Business Banking & Commercial Services

Commercial Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $0 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 $0, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

In addition to loans, we offer merchant services that simplify transactions for your customers. Imagine processing payments swiftly and securely, allowing you to focus on what you do best running your business. Our services streamline operations, enhance customer satisfaction, and can even lead to increased sales. Visit us at 401 S New St Dover De 19904 in Dover, DE, or call us at (302) 734-1133 to explore how our business banking and commercial services can help your enterprise flourish!

Comprehensive List Of Services

A Welcoming Environment

We pride ourselves on creating a supportive environment where members feel valued. Whether you're visiting us for assistance or just stopping by for a quick transaction, our friendly staff is here to help during our lobby hours from Monday through Friday from 8 AM to 4 PM. If you have questions about any of our services or would like to get started today, don't hesitate to reach out! Call us at (302) 734-1133 or visit us online at https://www.providentfcu.com/. We look forward to serving you at Provident where your financial success is our priority!

Business Banking

For entrepreneurs and small business owners, we understand that managing finances can be challenging. That's why we offer comprehensive business banking services, including merchant services and business loans designed to help your business thrive. Your success matters to us.

Digital Convenience

In today's fast-paced world, convenience is key. At Main Branch, we embrace digital banking features that allow you to manage your finances anytime, anywhere. With our robust online and mobile banking, you can easily check balances, transfer funds, pay bills, and more all from the comfort of your home or on-the-go. Our commitment extends beyond traditional banking; we also provide essential ATM and cash withdrawal services along with basic drive-thru banking for simple transactions.

Loans for Every Need

Life can be unpredictable, which is why having access to funds when you need them is crucial. Our personal loans are available for various purposes, whether it's consolidating debt or covering unexpected expenses. Additionally, our credit cards with rewards give you the flexibility to earn while you spend, enhancing your everyday purchasing experience.

Personal Banking Solutions

Whether you're opening your first checking account or looking to save for the future, our personal banking services are designed with you in mind. We offer a variety of checking and savings accounts that cater to different lifestyles and goals. For those considering a vehicle purchase, our auto loans and vehicle financing options make it easier than ever to drive away in the car you want. If homeownership is on your horizon, explore our mortgage loans and refinancing solutions that fit your budget and dreams.

Digital & Online Banking

Key Services

With just a few clicks at https://www.providentfcu.com/, you can access a variety of features designed to make your banking experience smoother. Our online banking service is available 24/7, giving you the freedom to check balances, pay bills, and transfer funds whenever it suits you. Plus, you'll appreciate our e-statements feature, which allows you to receive your account statements electronically saving paper and keeping everything organized. If you prefer managing your accounts on your smartphone, you'll be glad to know that we offer a user-friendly mobile application. It's perfect for making transactions quickly and easily while you're out and about. While we currently don't support mobile payments or person-to-person transfers, our app ensures that all essential banking tasks are right at your fingertips.

Security & Accessibility

Security is a top priority at Provident. With electronic signature authorization, signing documents online is not only quick but also safe, ensuring your information remains protected. We strive to keep our services accessible and straightforward for everyone, so you can focus on what truly matters your financial goals. Whether you're a busy professional or managing family finances, our digital tools are designed for real-time account management without any hassle. Join us today at Provident and experience the convenience of modern banking!

Financial Strength

Growing Together

Total Share and Deposit Accounts: 2,312, show a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $0 further emphasize our capacity to support member 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 401 S New St Dover De 19904 or call (302) 734-1133 to learn more about how we can help you achieve your financial goals.

Investing in Your Future

With $1,214,803 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 $124 in used auto loans and $5,246,604 in total loans and leases.

Member-Centric Savings

Members' savings are secured through $984,138 in share certificates, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, 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 5 full-time employees and 1 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Our Solid Foundation

With a net worth of $1,663,337, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,405 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've already provided $1,764,067 in used vehicle loans and $1,231,469 in new vehicle loans to help members get on the road. Whether you're interested in financing a brand-new model or a reliable used car, our team is ready to assist you every step of the way.

Credit Card Loans

We also offer flexible terms on unsecured credit card loans. With a total of $385,616 in loans helping members manage their finances effectively, our credit cards come with features designed for your convenience. This includes low interest rates and rewards programs that can help you make the most out of your spending.

Credit Lines

For those seeking additional flexibility, our total credit lines amounting to $400,000 are perfect for managing unexpected expenses or consolidating debt. This option allows you to access funds as needed without having to take out multiple loans. At Provident, we prioritize transparency and member satisfaction. If you're interested in learning more about eligibility options or refinancing possibilities for any of our loan products, don't hesitate to reach out. You can contact us at (302) 734-1133 or visit us at our branch located at 401 S New St Dover De 19904 in Dover, DE. For more information on how we can support your financial goals, please explore our services further at our website. Remember that 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's work together toward achieving your financial dreams!

Mortgage Loans

Thinking about homeownership? While we currently do not offer Junior Lien 1-4 Family Residential Properties loans, we can guide you through the mortgage options available that best suit your needs. We also provide refinancing options to help you secure better rates on existing mortgages.

Loan Aggregator

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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 the offers you see are fair and transparent, allowing you to make informed choices without confusion.

Provident