Credit union · NCUA insured
Provident Credit Union
A $3.6B credit union, the 139th largest of 4,329, headquartered in Redwood City, CA, with 135,247 members and 22 branches in California. Best rates: CDs 4.00% and savings 2.90% APY.
Provident Credit Union Carrot Score
77
Carrot Score
Higher than 44% of U.S. banks and credit unions
#42 of 71 in San Francisco, CA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Provident Credit Union
- Headquarters
- 303 Twin Dolphin Dr, Redwood City, CA 94065-1497
- NCUA charter
- 66343
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- You are eligible for membership based on where you live or work in Alameda County, City of Los Angeles, Contra Costa County, El Dorado County, Humboldt County, Monterey County, Placer County, Sacramento County, San Francisco County, San Mateo County, or Santa Clara County.
Employers and groups
- You are eligible for membership if you are an employee of a company belonging to one of the specified Chambers of Commerce.
- You are eligible for membership if you are employed by one of the qualifying participating employers.
- You are eligible for membership through membership or affiliation with one of the listed unions or associations.
Military, government and schools
- You are eligible for membership through affiliation with listed universities, colleges, schools, alumni associations, or teachers associations.
Family and household
- You are eligible for membership if you are related by birth, marriage, or adoption to, or live in the same household (maintaining a single economic unit) as, a current Provident Credit Union member.
1 more way to join
Family and household
- Members may sponsor immediate family members (spouses, parents, children, siblings, grandparents, grandchildren, stepparents, stepchildren, stepsiblings, and adoptive relationships) who are U.S. citizens or permanent residents.
Branches
22 branches in California
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California
22 branches
San Francisco area · 15
- Corporate OfficeMain office303 Twin Dolphin Dr, Redwood City, CA 94065Directions
- Provident CU Alameda Branch2250 S Shore Ctr Ste C, Alameda, CA 94501Directions
- Provident CU Belmont Branch1050 El Camino Real Ste C, Belmont, CA 94002Directions
- Branch Office2171 Junipero Serra Blvd Ste 150, Daly City, CA 94014Directions
- Branch Office2680 Dublin Blvd, Dublin, CA 94568Directions
- Branch Office39080 Argonaut Way, Fremont, CA 94538Directions
- Branch Office22302 Foothill Blvd, Hayward, CA 94541Directions
- Branch Office209 Broadway, Millbrae, CA 94030Directions
- Branch Office4937 Telegraph Ave Ste D, Oakland, CA 94609Directions
- Branch Office210 Redwood Shores Pkwy, Redwood City, CA 94065Directions
- Branch Office450 Golden Gate Ave Ste 2-0558, San Francisco, CA 94102Directions
- Branch Office701 Sacramento St, San Francisco, CA 94108Directions
- Branch Office2727 S El Camino Real Ste B, San Mateo, CA 94403Directions
- Branch Office11030 Bollinger Canyon Rd Ste 190, San Ramon, CA 94582Directions
- Branch Office742 Bancroft Rd, Walnut Creek, CA 94598Directions
San Jose area · 6
- Branch Office15425 Los Gatos Blvd, Los Gatos, CA 95032Directions
- Branch Office2390 El Camino Real Ste 110, Palo Alto, CA 94306Directions
- Branch Office1705 E Capitol Expy Ste 20, San Jose, CA 95121Directions
- Branch Office1757 Technology Dr Ste 10, San Jose, CA 95110Directions
- Branch Office5801 Cottle Rd Ste 20, San Jose, CA 95123Directions
- Branch Office398 W El Camino Real Ste 112, Sunnyvale, CA 94087Directions
Sacramento area · 1
- Branch Office2475 Iron Point Rd Ste 110, Folsom, CA 95630Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 10.86% | 10.86% | 12.59% or more |
| Troubled loans60+ days late | 0.07% | 0.70% | 0.46% or less |
| ProfitabilityReturn on assets | 0.65% | 0.82% | 1.16% or more |
| LendingLoans per $100 deposited | $91 | $88 | — |
- CapitalNet worth ratio10.86%Peers’ middle 10.86% · Top 25% 12.59%+
- Troubled loans60+ days late0.07%Peers’ middle 0.70% · Top 25% ≤0.46%
- ProfitabilityReturn on assets0.65%Peers’ middle 0.82% · Top 25% 1.16%+
- LendingLoans per $100 deposited$91Peers’ middle $88
Compared with the 479 credit unions with $1 billion or more in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Provident Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.