Provident Credit Union
Headquarters
303 Twin Dolphin Drive
Redwood City, CA 94065
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2024 Overview
General Credit Union Information
Provident is an NCUA insured institution located in Redwood City, CA. It was founded in 1950 and has approximately $3509.25 millions in assets.
Who can join?
You are eligible for membership if you live or work in any of the following geographical areas:
San Mateo County
San Francisco County
Santa Clara County
Alameda County
Contra Costa County
Monterey County
Sacramento County
El Dorado County
Placer County
Humboldt County
Los Angeles (City)
You are eligible for membership if you are related to or live in the same household as a current Provident Credit Union member.
You are eligible for membership if you are an employee of a company belonging to one of the following Chambers of Commerce:
Belmont Chamber of Commerce
Burlingame Chamber of Commerce
Danish-American Chamber of Commerce of Northern California Inc.
Filipino-American Chamber of Commerce
Fremont Chamber of Commerce
Los Gatos Chamber of Commerce
Menlo Park Chamber of Commerce
Millbrae Chamber of Commerce
Monterey Peninsula Chamber of Commerce
Oakland Metro Chamber of Commerce
Pacifica Chamber of Commerce
Redwood City/San Mateo Chamber of Commerce
Sacramento Metro Chamber of Commerce
San Bruno Chamber of Commerce
San Carlos Chamber of Commerce
San Francisco Chamber of Commerce
San Jose Metropolitan Chamber of Commerce
South San Francisco Chamber of Commerce
Sunnyvale Chamber of Commerce
Walnut Creek Chamber of Commerce
You are eligible for membership if you are a member of any of the following "locals" (local unions)*
You are eligible for membership if you or the company you work for is a member of any of the following associations*
You are eligible for membership if you are an employee of one of the following companies*
*List of unions, associations, and eligible companies: http://www.providentcu.org/index.asp?i=memberApply
| NCUA Insured | Yes / State-Chartered |
| Charter Number # | # 66343 |
| Date Established | 1950 |
| Assets | $3,509.25 million |
| Loans | $2,610.04 million |
| Deposits | $3,114.33 million |
| Capital | $359.87 million |
Field of Membership Restrictions
Membership in Provident Credit Union is open to the following: (1) those who live or work in San Mateo, San Francisco, Santa Clara, Contra Costa, Alameda, Monterey, Sacramento, Pacer, Humboldt, or El Dorado Counties in California and the City of Los Angeles, (2) employees of Belmont Chamber of Commerce, Danish-American Chamber of Commerce of Northern California, Burlingame Chamber of Commerce, and select local chambers of commerce in California, (3) members of the AFL-CIO Local 501, Carpenters Local 217 and select local unions, (4) members or employees of the American Heart Association-San Francisco Chapter, Association for Workplace Justice and other local associations, and (5) employees of City Building Inc., Circraft Inc., Inspired Company or other select local companies.
Deposit Rates - November 4, 2024
Your Current Location: Ohio, OH 43085
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| Membership, Youth, and Secondary Savings
|
0.03% | $5 | $24,999 |
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|
| Membership, Youth, and Secondary Savings
|
0.08% | $25,000 | - |
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|
|
Money Market
|
0.08% | $2,500 | $9,999 |
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|
|
Money Market
|
0.11% | $10,000 | $49,999 |
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|
|
Money Market
|
0.16% | $50,000 | $99,999 |
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|
|
Money Market
|
0.26% | $100,000 | - |
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|
|
Premium Money Market Account
|
0.08% | $0 | - |
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|
|
Premium Money Market Account
|
0.21% | $25,000 | $74,999 |
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|
|
Premium Money Market Account
|
0.31% | $75,000 | $124,999 |
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|
|
Premium Money Market Account
|
0.41% | $125,000 | - |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Month Fixed
|
4.75% | $1,000 | $49,999 |
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|
| 6 Month Fixed
|
4.25% | $50,000 | $99,999 |
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|
| 6 Month Fixed
|
4.25% | $100,000 | - |
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|
| 9 Month Fixed
|
2.06% | $10,000 | - |
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|
| 12 Month Youth Add-on
|
2.01% | $50 | $49,999 |
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|
| 12 Month Add-on
|
2.01% | $250 | $49,999 |
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|
| 12 Month Deferred Dividend
|
2.11% | $500 | $49,999 |
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|
| 12 Month Fixed
|
2.11% | $1,000 | $49,999 |
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|
| 12 Month Fixed
|
2.06% | $50,000 | $99,999 |
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|
| 12 Month Fixed
|
1.96% | $100,000 | - |
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|
| 13 Month Liquid
|
2.16% | $5,000 | - |
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|
| 18 Month Fixed
|
1.61% | $10,000 | - |
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|
| 24 Month Bump-up
|
2.06% | $500 | $49,999 |
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|
| 24 Month Fixed
|
2.16% | $1,000 | $49,999 |
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|
| 24 Month Fixed
|
2.06% | $50,000 | $99,999 |
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|
| 24 Month Fixed
|
2.11% | $100,000 | - |
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|
| 25 Month Fixed
|
2.26% | $10,000 | - |
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|
| 36 Month Fixed
|
2.41% | $1,000 | $49,999 |
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|
| 36 Month Fixed
|
2.46% | $50,000 | $99,999 |
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|
| 36 Month Fixed
|
2.41% | $100,000 | - |
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|
| 48 Month Fixed
|
2.56% | $1,000 | $49,999 |
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|
| 48 Month Fixed
|
2.61% | $50,000 | $99,999 |
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|
| 48 Month Fixed
|
2.56% | $100,000 | - |
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|
| 60 Month Fixed
|
2.56% | $1,000 | $49,999 |
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|
| 60 Month Fixed
|
1.26% | $50,000 | $99,999 |
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|
| 60 Month Fixed
|
1.31% | $100,000 | - |
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|
| Int Checking Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Super Reward Checking
|
1.26% | $0 | $25,000 | Learn More |
| Super Reward Checking
|
0.08% | $25,000 | - | Learn More |
| Basic Business Checking
|
0.15% | $75,000 | $124,999 | Learn More |
| Basic Business Checking
|
0.20% | $125,000 | - | Learn More |
Loan Rates - November 4, 2024
Your Current Location: Ohio, OH 43085
There are currently no loan rates available for Provident
Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:
Featured - Ohio 30 Year Fixed Mortgage Rates 2024
| Lender | APR | Rate (%) | Points | Fees | Monthly Payment |
Learn More |
|---|---|---|---|---|---|---|
NMLS ID: 1835285 |
6.380% | 6.250% | 0.88 | $4,400 | $1,971 | Learn More |
NMLS ID: 401822 |
6.818% | 6.625% | 1.00 | $6,400 | $2,049 | Learn More |
NMLS ID: 1025894 |
6.984% | 6.875% | 0.88 | $3,545 | $2,103 | Learn More |
NMLS ID: 3030 |
7.200% | 7.125% | 0.75 | $2,400 | $2,156 | Learn More |
Featured - Ohio Home Equity Line Of Credit Rates 2024
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|---|---|---|
Third Federal Savings and Loan See Table |
Intro APR 7.490 % After Intro: 7.490 % |
$0 |
Learn More
More Info |
Note to Provident
To upload and update your bank's rates please register.
It is free to register and add rates.
Branches
Below are Provident branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.
Your Location:
Columbus,Ohio
Provident Locations around zip code 43085
| Branch | Distance | Map | View Lobby Hours |
|---|---|---|---|
| 828.91 | A | View Lobby Hours | |
| 1600.68 | B | View Lobby Hours | |
| 2022.46 | C | View Lobby Hours | |
| 2065.19 | D | View Lobby Hours | |
| 2068.54 | E | View Lobby Hours | |
| 2070.61 | F | View Lobby Hours | |
| 2073.43 | G | View Lobby Hours | |
| 2074.02 | H | View Lobby Hours | |
| 2076.79 | I | View Lobby Hours | |
| 2077.54 | J | View Lobby Hours | |
| 2082.21 | K | View Lobby Hours | |
| 2083.36 | L | View Lobby Hours | |
| 2087.26 | M | View Lobby Hours | |
| 2087.57 | N | View Lobby Hours | |
| 2088.86 | O | View Lobby Hours | |
| 2089.78 | P | View Lobby Hours | |
| 2093.83 | Q | View Lobby Hours | |
| 2093.88 | R | View Lobby Hours | |
| 2094.15 | S | View Lobby Hours | |
| 2094.66 | T | View Lobby Hours | |
| 2097.84 | U | View Lobby Hours | |
| 2183.39 | V | View Lobby Hours |
Climate Policy and Initiatives
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Financial Details
Provident Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of Provident. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.
Texas Ratio
| Provident | U.S. Average |
|---|---|
| 0.97% | 5.83 |
The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.
As of June 30, 2024, Provident had $3,357,108 in non-current loans and $244,471 in owned assets. To cover these potential losses it had $359,872,471 in net worth and $10,956,934 in loans loss reserves. That gives it a Texas Ratio of 0.97%.
Net Worth
| Provident | U.S. Average |
|---|---|
| 10.25% | 13.93% |
Provident FCU has a net worth of 10.25% versus the BestCashCow average of 13.93. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
Customer Reviews for Provident
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