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iAdvertiser Disclosure
Advertiser Disclosure
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 Provident Credit Union Rates & Review May 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: May 10, 2026
Provident Credit Union's 3 Month IRA Pick-A-Term CDs rates are at 3.50%, 3 Month Pick-A-Term CDs rates are at 3.50%, 6 Month IRA Pick-A-Term CDs rates are at 3.50%, 6 Month Pick-A-Term CDs rates are at 3.50%, 6 Month Fixed CD rates are at 3.35%. MonitorBankRates evaluates the financial stability of Provident Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.96%. Rates were last updated on 05/10/2026. Provident Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Provident Credit Union? Share your experience about Provident Credit Union by leaving a review below, or read customer reviews before you decide to use Provident Credit Union. Provident Credit Union
Corporate Office 303 Twin Dolphin Dr
https://providentcu.org Redwood City, CA 94065 1497 
Provident Credit Union CD Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Provident Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Provident Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Provident Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Provident Credit Union
Website
https://providentcu.org
Address
303 Twin Dolphin Dr,
Redwood City, CA 94065 1497
Phone
650-508-0300
Fax
650-508-7284
President
Samuel Johnson
CEO
James Ernest
Full-Time Employees
311
Part-Time Employees
18
Branch Locations
23
ATM Locations
23
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (100/100)
Texas Ratio
0.96%
Return on Assets (ROA)
0.3357%
Return on Equity (ROE)
3.2473%
Non-Performing Loans Ratio (NPL)
0.13%
Total Assets
3,616,856,304
Total Amount of Shares and Deposits
3,181,909,921
Total Shares and Deposits < 1 Year
3,138,298,623
Total Shares and Deposits 1 3 Years
35,640,115
Total Shares and Deposits > 3 Years
7,971,182
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
319,708,811
Total Uninsured Shares and Deposits > $250K (F+J)
569,458,811
Total Insured Shares and Deposits > $250K (item 17 less item K)
2,612,451,110
Total Interest Expense (Sum of items 6 8)
43,848,843
Share Certificates
24,550
Number of Accounts for Share Drafts
94,768
IRA KEOGH Accounts
4,433
Number of Accounts for Regular Shares
150,107
All other shares
1,682
Non Member Deposits
10
Money Market Shares
5,715
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
358,722,334
Total Liabilities
3,242,090,388
Source: NCUA — Last Updated 09/30/2025
Customer Reviews
There are no reviews for Provident Credit Union yet. Feel free to create one below.
Looking for more bank and credit union reviews?
Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for Provident Credit Union
Frequently Asked Questions About Provident Credit UnionHow many branches does Provident Credit Union operate?Provident Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join Provident Credit Union?Yes, to access services at Provident Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, Provident Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Provident Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Provident Credit Union offer online and mobile banking?Most modern institutions like Provident Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://providentcu.org. Current Provident Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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