Average User Rating:3 star rating based on 4 reviews.
Provident Credit Union (CA)
Provident Credit Union (CA) Locations| 303 Twin Dolphin Drive Redwood City, CA 94065 (650) 508-0300 www.providentcu.org  |
 |
Provident Credit Union (CA) is headquartered in REDWOOD CITY and is the 19st largest credit union in the state of California. It is also the 100th largest credit union in the nation. It was established in 1950 and as of September of 2011, it had grown to 251 employees and 93,775 members. Provident Credit Union (CA) has a 5-star health rating.
Related Posts
3.75% 15-Month CD at Provident Credit Union in California - Easy Membership - 1/6/2009
Update 1/10/09: The CD rate has fallen. As of today the APY is 3.10% (3.35% with checking) for the 15-month term.Provident Credit Union is offering a special 15-month certificate with a yield of up to 3.75% APY. This requires that you have a Provident...
More Rate Cuts - Savings, Checking and Reward Checking Accounts - 4/2/2008
April has started with more cuts to savings and checking rates. ETRADE made a large cut of 44 basis points to its Complete Savings Account rate. Its new rate is 3.01% APY. Schwab Bank High Yield Investor Checking had its rate slashed from 3.01% to 2.26%...
4.00% 60-Month CD at a California CU - IRA/Easy Membership (Provident). - 2/10/2008
Update 3/15/08: The IRA CD rate has fallen. Please check the credit union's website for the latest rate.Update 2/16/08: The IRA CD rate has fallen from 5.00% to 4.00% APY. The title has been modified to reflect this change. Please check with the credit...
Some More Decent CD Rates That Are Still Available - 1/23/2008
CD and savings account rates are dropping like a rock. With another Fed rate cut likely on the 31st, locking money into a CD will likely be better than keeping it in a savings account. I listed a few CDs with decent rates that are still available in...
2007
- 12/6 - Zopa, the Person-to-Person Lender, Partners with Credit Unions to Offer High Yield CDs
- 11/7 - 5.30% 16-Month CD at a California CU - easy membership (Provident)
- 7/6 - Reward Checking Account at a California CU (Provident)
See Rates for: Checking | Savings | Money Market | CD | IRA
Provident Credit Union (CA) Checking Account Rates
Provident Credit Union (CA) Savings Account Rates
Provident Credit Union (CA) Money Market Rates
Provident Credit Union (CA) CD Rates
| Apy | Min | Max | Product | |
| 1.65% | $1k | - | 60 Month CD | |
| 1.20% | $1k | - | 48 Month CD | |
| 0.90% | $1k | - | 36 Month CD | |
| 0.55% | $1k | - | 24 Month CD | |
| 0.45% | $500 | - | 24 Month Add-On Variable Rate CD | |
| 0.40% | $1k | - | 24 Month Bump Up CD | |
| 0.30% | $1k | - | 12 Month CD | |
| 0.30% | $500 | - | 12 Month Deferred Dividend CD | |
| 0.20% | $1k | - | 6 Month CD | |
| 0.20% | $5k | - | 13 Month Liquid CD | |
| 0.20% | $250 | - | 12 Month Add On CD | |
| 0.20% | $50 | - | 12 Month Youth Add On CD |
Provident Credit Union (CA) IRA Rates
| Apy | Min | Max | Product | |
| 1.65% | $500 | - | 60 Month IRA | |
| 1.65% | $500 | - | 60 Month CESA | |
| 1.65% | $500 | - | 60 Month Roth IRA | |
| 1.20% | $500 | - | 48 Month IRA | |
| 1.20% | $500 | - | 48 Month CESA | |
| 1.20% | $500 | - | 48 Month Roth IRA | |
| 0.90% | $500 | - | 36 Month IRA | |
| 0.90% | $500 | - | 36 Month CESA | |
| 0.90% | $500 | - | 36 Month Roth IRA | |
| 0.80% | $500 | - | 36 Month Variable Rate Roth IRA | |
| 0.55% | $500 | - | 24 Month IRA | |
| 0.55% | $250 | - | HSA 24 Month Add-On Certificate | |
| 0.55% | $500 | - | 24 Month CESA | |
| 0.55% | $500 | - | 24 Month Roth IRA | |
| 0.45% | $250 | - | 24 Month Add On IRA | |
| 0.45% | $500 | - | 24 Month Variable Rate Coverdell ESA | |
| 0.45% | $250 | - | 24 Month Add On CESA | |
| 0.45% | $250 | - | 24 Month Add On Roth IRA | |
| 0.40% | $500 | - | 24 Month Bump Up IRA | |
| 0.40% | $500 | - | 24 Month Bump Up CESA | |
| 0.40% | $500 | - | 24 Month Bump Up Roth IRA | |
| 0.30% | $500 | - | 12 Month IRA | |
| 0.30% | $250 | - | HSA 12 Month Add-On Certificate | |
| 0.30% | $500 | - | 12 Month CESA | |
| 0.30% | $500 | - | 12 Month Roth IRA | |
| 0.20% | $25 | - | IRA Savings |
Rates updated: 2/9/2012
Data for Q3 2011
Institution Statistics
|
Institution Health
Overall Score:
5 out of 5 
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Don't Do Business With Provident CU
- shoffman - Wednesday, November 2, 2011 - 2:02 PMProvident CU's stringent lending practices denied me credit for a $26K loan, even though I earn $200K in salary and have excellent credit. Their rationale was that 25% of my pay was reliant on a bonus that I have consistently received in the past. I told them about my bonus from the start of the process. After spending a lot of time getting all of my records in order and working with their loan staff, I wasted my time with them. Go somewhere else where you won't be yanked around.
4
Good Service, Good Rewards Checking
- depacctsfan - Thursday, February 9, 2012 - 1:36 PMVery competitive rewards checking account. The call center provided first order of checks free although in the first branch I went to in San Francisco the agent said they were not free. (Odd because first order of checks is free on their other accounts.) Issued check card with name etc immediately. Requires 1 ACH credit or debit. 10 signature or pin transactions.Easy. Good website with ACH transfer. CD rates not too bad considering this economy.
2
Murky Policies
- schwongreg - Sunday, July 24, 2011 - 12:08 AMI was a member here for six years, when one day they decided to stop accepting checks from my biggest client. I pointed out that they'd been happily accepting these checks every month for over a year, but they still refused to take it, and couldn't explain why. The final straw was when the manager told me I could still deposit the checks if I used the ATM, but I couldn't use the teller -- and again, she couldn't explain why. This is the MANAGER. I closed my account on the spot.
1
Great Institution; High Rewards Checking Rate
I've been a member for 2 years and am a happy customer. I always look for credit unions first when choosing a bank-type institution; when I moved to the Bay Area I began my search. I looked at BBB.org ratings and complaint history. There were a few credit unions that topped the quality list and I finally choose Provident because of its Rewards Checking account rate.
Two years and greater acquaitance later, I have never regretted this decision. I easily recommend Provident to coworkers, friends, and people new to the area. That amazing rewards checking rate is still at 2.26% when everywhere rates keep dropping even on "high-yield" accounts from AMEX and Smarty Pig. (Rewards checking in general is fantastic these days if you can find it. Meeting the requirements is easy with my routine.)
Online banking is fine. I use auto bill-pay to cover my rent and direct deposit from my employer. Mint.com works great. The account is linked to mutual fund and brokerage accounts. ATMs are free within the entire credit union network; out of network ATM fees are reimbursed up to $2.50.
The only feature missing for me is virtual sub-accounts (like ING has). I'd like to auto-transfer money from the rewards checking into sub-accounts for savings goals, even if those virtual accounts are part of a seperate savings account with different (realisticaly lower) rates.