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Provident Credit Union Rates & Review October 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
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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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| iEditorial Disclosure
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 and Verified: October 9, 2026

Provident Credit Union's top rates as of October 9, 2026 are 3.90% APY on its 24 Month Add-on CD, 0.03% APY on savings, 0.08% APY on money market accounts, 1.40% APY on checking, and auto loans from 5.75% APR, according to rates verified by MonitorBankRates. Other Provident Credit Union CD rates include 24 Month Add-on at 3.85%, 24 Month Add-on at 3.80%, and 24 Month Liquid CD at 3.80%. 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 0.49%. Rates last updated and verified on 10/09/2026.

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.

MonitorBankRates Verified Healthy Badge Q2 2026 Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website
Overall Health & Safety Grade ?
A+
Exceptional Health Score: 100/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
0.49%
Excellent Lower than avg
Health Trend ?
Very strong 12 quarters
Full history ›
Provident Credit Union
Corporate Office
303 Twin Dolphin Dr
Redwood City, CA 94065-1497
https://providentcu.org
Member NCUA
Customer Reviews
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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Provident Credit Union CD Rates

Product Rate APY Term View More
24 Month Add-on 3.832% 3.90% 24 Month
Min Balance $100,000
Details Balance: $100,000 and over
Last Updated 10/09/2026
Rate History
No change since Sep 22, 2026 · 3.90% APY · checked 3 times
3.40%3.90%4.40%Sep 22, 2026: 3.90% APYSep 22, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.49%
24 Month Add-on 3.784% 3.85% 24 Month
Min Balance $50,000
Details Balance: $50,000 - $99,999.99
Last Updated 10/09/2026
Rate History
No change since Sep 22, 2026 · 3.85% APY · checked 3 times
3.35%3.85%4.35%Sep 22, 2026: 3.85% APYSep 22, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.49%
24 Month Add-on 3.735% 3.80% 24 Month
Min Balance $250
Details Balance: $250 - $49,999.99
Last Updated 10/09/2026
Rate History
No change since Sep 22, 2026 · 3.80% APY · checked 3 times
3.30%3.80%4.30%Sep 22, 2026: 3.80% APYSep 22, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.49%
24 Month Liquid Certificate - 3.80% 24-month
Details Published APY range: 3.80% - 3.90%. Depending on your account balance.
Last Updated 10/09/2026
Rate History
1 change since Sep 18, 2026 · 3.20% → 3.80% ▲ 0.60 pts · high 3.80% / low 3.20%
2.60%3.50%4.40%Sep 18, 2026: 3.20% APYOct 9, 2026: 3.80% APYSep 18, 2026Oct 13, 2026
  • Oct 9, 20263.80%▲ from 3.20%
  • Sep 18, 20263.20%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.49%
24 Month Youth Add-On Certificate - 3.80% 24-month
Details Published APY range: 3.80% - 3.90%. Depending on your account balance.
Last Updated 10/09/2026
Rate History
1 change since Sep 14, 2026 · 3.20% → 3.80% ▲ 0.60 pts · high 3.80% / low 3.20%
2.60%3.50%4.40%Sep 14, 2026: 3.20% APYSep 18, 2026: 3.80% APYSep 14, 2026Oct 13, 2026
  • Sep 18, 20263.80%▲ from 3.20%
  • Sep 14, 20263.20%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.49%
12 Month IRA Pick-A-Term Certificate - 3.75% 12 month
Min Deposit $10,000
Details Limited time offer. Dividend rates are fixed for the term of the certificate and are not subject to a tiered rate. Deposits cannot be added to this certificate once it has been opened. Institutional deposits are not eligible. At maturity, each Pick-A-Term Certificate renews to the same term at the fixed rate in effect at that time.
Last Updated 10/09/2026
Rate History
1 change since Sep 14, 2026 · 3.60% → 3.75% ▲ 0.15 pts · high 3.75% / low 3.60%
3.10%3.68%4.25%Sep 14, 2026: 3.60% APYSep 22, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
  • Sep 22, 20263.75%▲ from 3.60%
  • Sep 14, 20263.60%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.49%
12 Month Pick-A-Term Certificate Special - 3.75% 12 month
Min Deposit $10,000
Details Limited time offer. Dividend rates are fixed for the term of the certificate and are not subject to a tiered rate. Deposits cannot be added to this certificate once it has been opened. Institutional deposits are not eligible. At maturity, each Pick-A-Term Certificate renews to the same term at the fixed rate in effect at that time.
Last Updated 10/09/2026
Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Sep 18, 2026: 3.75% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.49%
12 Month Pick-A-Term Certificates - 3.75% 12 month
Details Limited-time offer
Last Updated 10/09/2026
Rate History
No change since Oct 1, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 1, 2026: 3.75% APYOct 1, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.49%
3 Month IRA Pick-A-Term Certificate - 3.75% 3 month
Min Deposit $10,000
Details Limited time offer. Dividend rates are fixed for the term of the certificate and are not subject to a tiered rate. Deposits cannot be added to this certificate once it has been opened. Institutional deposits are not eligible. At maturity, each Pick-A-Term Certificate renews to the same term at the fixed rate in effect at that time.
Last Updated 10/09/2026
Rate History
No change since Sep 22, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Sep 22, 2026: 3.75% APYSep 22, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.49%
3 Month Pick-A-Term Certificate Special - 3.75% 3 month
Min Deposit $10,000
Details Limited time offer. Dividend rates are fixed for the term of the certificate and are not subject to a tiered rate. Deposits cannot be added to this certificate once it has been opened. Institutional deposits are not eligible. At maturity, each Pick-A-Term Certificate renews to the same term at the fixed rate in effect at that time.
Last Updated 10/09/2026
Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Sep 18, 2026: 3.75% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.49%
3 Month Pick-A-Term Certificates - 3.75% 3 month
Details Limited-time offer
Last Updated 10/09/2026
Rate History
No change since Oct 1, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 1, 2026: 3.75% APYOct 1, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.49%
6 Month IRA Pick-A-Term Certificate 3.687% 3.75% 6 Month
Min Balance $10,000
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 9, 2026: 3.75% APYOct 9, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.49%
6 Month Pick-A-Term 3.687% 3.75% 6 Month
Min Balance $10,000
Last Updated 10/09/2026
Rate History
1 change since Sep 14, 2026 · 3.60% → 3.75% ▲ 0.15 pts · high 3.75% / low 3.60%
3.10%3.68%4.25%Sep 14, 2026: 3.60% APYSep 18, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
  • Sep 18, 20263.75%▲ from 3.60%
  • Sep 14, 20263.60%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.49%
3 Month IRA Pick-A-Term Certificate 3.542% 3.60% 3 Month
Min Balance $10,000
Last Updated 10/09/2026
Rate History
1 change since Sep 22, 2026 · 3.75% → 3.60% ▼ 0.15 pts · high 3.75% / low 3.60%
3.10%3.68%4.25%Sep 22, 2026: 3.75% APYOct 9, 2026: 3.60% APYSep 22, 2026Oct 13, 2026
  • Oct 9, 20263.60%▼ from 3.75%
  • Sep 22, 20263.75%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.49%
3 Month Pick-A-Term 3.542% 3.60% 3 Month
Min Balance $10,000
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 5 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.49%
12 Month Add-on 3.348% 3.40% 12 Month
Min Balance $100,000
Details Balance: $100,000 and over
Last Updated 10/09/2026
Rate History
No change since Sep 22, 2026 · 3.40% APY · checked 3 times
2.90%3.40%3.90%Sep 22, 2026: 3.40% APYSep 22, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.49%
12 Month Add-on 3.251% 3.30% 12 Month
Min Balance $50,000
Details Balance: $50,000 - $99,999.99
Last Updated 10/09/2026
Rate History
No change since Sep 22, 2026 · 3.30% APY · checked 3 times
2.80%3.30%3.80%Sep 22, 2026: 3.30% APYSep 22, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.49%
12 Month IRA Pick-A-Term Certificate 3.251% 3.30% 12 Month
Min Balance $10,000
Last Updated 10/09/2026
Rate History
2 changes since Sep 14, 2026 · 3.60% → 3.30% ▼ 0.30 pts · high 3.75% / low 3.30%
2.80%3.53%4.25%Sep 14, 2026: 3.60% APYSep 22, 2026: 3.75% APYOct 9, 2026: 3.30% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20263.30%▼ from 3.75%
  • Sep 22, 20263.75%▲ from 3.60%
  • Sep 14, 20263.60%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.49%
12 Month Pick-A-Term 3.251% 3.30% 12 Month
Min Balance $10,000
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 5 times
2.80%3.30%3.80%Sep 14, 2026: 3.30% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.49%
24 Month Bump-Up Certificates - 3.30% 24-month
Details Published APY range: 3.30% - 3.50%. Depending on your account balance.
Last Updated 10/09/2026
Rate History
1 change since Sep 22, 2026 · 3.80% → 3.30% ▼ 0.50 pts · high 3.80% / low 3.30%
2.80%3.55%4.30%Sep 22, 2026: 3.80% APYOct 9, 2026: 3.30% APYSep 22, 2026Oct 13, 2026
  • Oct 9, 20263.30%▼ from 3.80%
  • Sep 22, 20263.80%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.49%
12 Month Add-on 3.154% 3.20% 12 Month
Min Balance $250
Details Balance: $250 - $49,999.99
Last Updated 10/09/2026
Rate History
No change since Sep 22, 2026 · 3.20% APY · checked 3 times
2.70%3.20%3.70%Sep 22, 2026: 3.20% APYSep 22, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.49%
12 Month Deferred Dividend Certificate - 3.20% 12-month
Details Published APY range: 3.20% - 3.40%. Depending on your account balance.
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 3.20% APY · checked 5 times
2.70%3.20%3.70%Sep 14, 2026: 3.20% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.49%

Provident Credit Union Savings Rates

Product Rate APY View More
Provident Savings Account - 0.03%
Min Deposit $5
Details Published APY range: 0.03% - 0.08%. Current rates between 0.03% APY - 0.08% APY depending on your account balance. Federally insured up to $250,000 by the NCUA.
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 0.03% APY · checked 5 times
0.00%0.27%0.53%Sep 14, 2026: 0.03% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.49%
Round Up Savings - 0.03%
Details Published APY range: 0.03% - 0.08%. Current rate 0.03% APY. At the end of each month, transfer your balance to an eligible Provident savings account, loan, or credit line. Checking accounts are not eligible. Or, keep your funds in your Round Up Savings account and watch it grow.
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 0.03% APY · checked 5 times
0.00%0.27%0.53%Sep 14, 2026: 0.03% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.49%
Youth Savings Account - 0.03%
Details Published APY range: 0.03% - 0.08%. Current rates between 0.03% APY - 0.08% APY depending on your account balance.
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 0.03% APY · checked 5 times
0.00%0.27%0.53%Sep 14, 2026: 0.03% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.49%

Provident Credit Union Money Market Rates

Product Rate APY View More
High Yield Money Market Account - 0.08%
Details Published APY range: 0.08% - 3.75%. Current rates between 0.08% APY - 3.75% APY depending on your account balance.
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 0.08% APY · checked 5 times
0.00%0.29%0.58%Sep 14, 2026: 0.08% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.49%
Money Market Account - 0.08%
Details Published APY range: 0.08% - 3.10%. Current rates between 0.08% APY - 3.10% APY depending on your account balance.
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 0.08% APY · checked 5 times
0.00%0.29%0.58%Sep 14, 2026: 0.08% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.49%
Premier Money Market Account - 0.08%
Details Published APY range: 0.08% - 3.40%. Qualifications Required: Requires a minimum $1,000/month Direct Deposit to a checking account under the same membership, to begin no later than 90 days from the date the account is opened and to continue for the life of this account. If the direct deposit does not begin or stops, the account is eligible to earn the Base Premier Money Market account rate. Eligibility is based on the prior month's transactions i.e. to earn dividends for the month of December, the account must meet the requirements in November.; Current rates between 0.08% APY - 3.40% APY depending on your account balance.
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 0.08% APY · checked 5 times
0.00%0.29%0.58%Sep 14, 2026: 0.08% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.49%

Provident Credit Union Checking Rates

Product Rate APY View More
Super Reward Checking 1.391% 1.40%
Min Balance $125,000
Details Balance: $125,000 and over
Last Updated 10/09/2026
Rate History
1 change since Sep 14, 2026 · 1.26% → 1.40% ▲ 0.14 pts · high 1.40% / low 1.26%
0.76%1.33%1.90%Sep 14, 2026: 1.26% APYOct 9, 2026: 1.40% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20261.40%▲ from 1.26%
  • Sep 14, 20261.26%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.49%
Super Reward Checking 1.342% 1.35%
Min Balance $50,000
Details Balance: $50,000 - $124,999.99
Last Updated 10/09/2026
Rate History
1 change since Sep 14, 2026 · 1.26% → 1.35% ▲ 0.09 pts · high 1.35% / low 1.26%
0.76%1.31%1.85%Sep 14, 2026: 1.26% APYOct 9, 2026: 1.35% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20261.35%▲ from 1.26%
  • Sep 14, 20261.26%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.49%
Super Reward Checking 1.292% 1.30%
Min Balance $25,000
Details Balance: $25,000 - $49,999.99
Last Updated 10/09/2026
Rate History
1 change since Sep 14, 2026 · 1.26% → 1.30% ▲ 0.04 pts · high 1.30% / low 1.26%
0.76%1.28%1.80%Sep 14, 2026: 1.26% APYOct 9, 2026: 1.30% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20261.30%▲ from 1.26%
  • Sep 14, 20261.26%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.49%
Super Reward Checking 1.253% 1.26%
Min Balance $0
Details Balance: $0.01 - $24,999.99
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 1.26% APY · checked 2 times
0.76%1.26%1.76%Sep 14, 2026: 1.26% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.49%
HSA Checking 0.31% 0.31%
Min Balance $25
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 0.31% APY · checked 5 times
0.00%0.41%0.81%Sep 14, 2026: 0.31% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.49%

Provident Credit Union Auto Loan Rates

Product Rate Points APR Term View More
New & Used Auto Loan - - 5.75% 1-36 months
No additional details.
Last Updated 10/09/2026
Rate History
1 change since Sep 14, 2026 · 5.50% → 5.75% ▲ 0.25 pts · high 5.75% / low 5.50%
5.00%5.63%6.25%Sep 14, 2026: 5.50% APROct 9, 2026: 5.75% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 20265.75%▲ from 5.50%
  • Sep 14, 20265.50%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.49%
New and Used Vehicle Loans - - 5.75% 12 to 84 months
Details As Low As; 100% financing available on used cars up to retail Kelley Blue Book value. Subject to credit rating. Terms over 72 months require a minimum loan of $20,000. Subject to credit rating. Payment per $1,000 balance is based on the interest rate listed with a maximum term. Example: for a 7 year (84 month), $20,000 new auto loan at the rate of 6.25% APR, multiply 20 x $14.73 for a payment amount of $294.57 (loan amount $1,000 x payment example = payment amount). Actual payment varies based on credit score, loan amount, term, model year, and type of vehicle. Payments begin 90 days after loan funding; interest accrues from day of funding.
Last Updated 10/09/2026
Rate History
1 change since Sep 18, 2026 · 5.50% → 5.75% ▲ 0.25 pts · high 5.75% / low 5.50%
5.00%5.63%6.25%Sep 18, 2026: 5.50% APROct 9, 2026: 5.75% APRSep 18, 2026Oct 13, 2026
  • Oct 9, 20265.75%▲ from 5.50%
  • Sep 18, 20265.50%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.49%
New & Used Auto Loan - - 5.875% 37-60 months
No additional details.
Last Updated 10/09/2026
Rate History
1 change since Sep 14, 2026 · 5.63% → 5.88% ▲ 0.25 pts · high 5.88% / low 5.63%
5.13%5.75%6.38%Sep 14, 2026: 5.63% APROct 9, 2026: 5.88% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 20265.88%▲ from 5.63%
  • Sep 14, 20265.63%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.49%
New & Used Auto Loan - - 6.00% 61-72 months
No additional details.
Last Updated 10/09/2026
Rate History
1 change since Sep 14, 2026 · 5.75% → 6.00% ▲ 0.25 pts · high 6.00% / low 5.75%
5.25%5.88%6.50%Sep 14, 2026: 5.75% APROct 9, 2026: 6.00% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 20266.00%▲ from 5.75%
  • Sep 14, 20265.75%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.49%
New & Used Auto Loan - - 6.25% 73-84 months
Details $20K min
Last Updated 10/09/2026
Rate History
1 change since Sep 14, 2026 · 6.00% → 6.25% ▲ 0.25 pts · high 6.25% / low 6.00%
5.50%6.13%6.75%Sep 14, 2026: 6.00% APROct 9, 2026: 6.25% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 20266.25%▲ from 6.00%
  • Sep 14, 20266.00%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.49%
College Auto Loan - - 11.375% 1-60 months
No additional details.
Last Updated 10/09/2026
Rate History
1 change since Sep 14, 2026 · 11.13% → 11.38% ▲ 0.25 pts · high 11.38% / low 11.13%
10.63%11.25%11.88%Sep 14, 2026: 11.13% APROct 9, 2026: 11.38% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 202611.38%▲ from 11.13%
  • Sep 14, 202611.13%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.49%

Provident Credit Union RV, Boat and Powersport Loan Rates

Product Rate APR Term View More
New & Used Boat Loan - 7.50% 1-60 months
No additional details.
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 7.50% APR · checked 5 times
7.00%7.50%8.00%Sep 14, 2026: 7.50% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.49%
New & Used Motorcycle Loan - 7.50% 1-48 months
No additional details.
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 7.50% APR · checked 5 times
7.00%7.50%8.00%Sep 14, 2026: 7.50% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.49%
New & Used Boat Loan - 8.50% 61-120 months
Details $50K min over 72 months
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 8.50% APR · checked 5 times
8.00%8.50%9.00%Sep 14, 2026: 8.50% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.49%
New & Used Recreational Vehicle Loan - 9.00% 1-84 months
Details $25k min over 60 months
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 9.00% APR · checked 5 times
8.50%9.00%9.50%Sep 14, 2026: 9.00% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.49%
New & Used Recreational Vehicle Loan - 9.50% 85-120 months
Details $50K min over 72 months
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 9.50% APR · checked 5 times
9.00%9.50%10.00%Sep 14, 2026: 9.50% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.49%
Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

Provident Credit Union’s Texas Ratio stayed near 0.18% in Q3 2023 to 0.49% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

0% 1.0★ 0.4% 2.0★ 0.8% 3.0★ 1.2% 4.0★ 1.6% 5.0★ Healthy zone – entire history below the 15% limit 0.18% A+ Q3 2023 A+ Q4 2023 A+ Q1 2024 A+ Q2 2024 A+ Q3 2024 A+ Q4 2024 A+ Q1 2025 A+ Q2 2025 A+ Q3 2025 A+ Q4 2025 A+ Q1 2026 0.49% A+ Q2 2026
Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade
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How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures
QuarterTotal assetsTexas RatioStar RatingHealth Grade
June 30, 2026$3.6B0.49%5.0A+
March 31, 2026$3.6B0.56%5.0A+
December 31, 2025$3.6B0.84%5.0A+
September 30, 2025$3.6B0.93%5.0A+
June 30, 2025$3.6B0.62%5.0A+
March 31, 2025$3.6B1.11%5.0A+
December 31, 2024$3.5B1.16%5.0A+
September 30, 2024$3.5B0.77%5.0A+
June 30, 2024$3.5B0.35%5.0A+
March 31, 2024$3.5B0.82%5.0A+
December 31, 2023$3.5B0.65%5.0A+
September 30, 2023$3.5B0.18%5.0A+
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates 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 313
Part-Time Employees 14
Branch Locations 21
ATM Locations 21
NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (100/100)
Texas Ratio
0.49%
Return on Assets (ROA)
0.3242%
Return on Equity (ROE)
2.9847%
Non-Performing Loans Ratio (NPL)
0.07%
Total Assets
3,588,964,254
Total Amount of Shares and Deposits
3,143,875,253
Total Shares and Deposits < 1 Year
3,096,115,296
Total Shares and Deposits 1 3 Years
40,226,682
Total Shares and Deposits > 3 Years
7,533,276
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
321,270,901
Total Uninsured Shares and Deposits > $250K (F+J)
571,020,901
Total Insured Shares and Deposits > $250K (item 17 less item K)
2,572,854,352
Total Interest Expense (Sum of items 6 8)
26,780,688
Share Certificates
23,816
Number of Accounts for Share Drafts
94,637
IRA KEOGH Accounts
4,237
Number of Accounts for Regular Shares
149,231
All other shares
1,615
Non Member Deposits
10
Money Market Shares
5,528
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
229,219,459
Total Liabilities
3,199,299,704
Source: NCUA — Last Updated 06/30/2026
MonitorBankRates Verified Healthy Badge Q2 2026
Q2 2026 MBR Health & Safety Badge

Provident Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>
Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Average Rating
☆☆☆☆☆
Total Reviews
0
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Frequently Asked Questions About Provident Credit Union

How 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

  • 12-Month CD3.20%
  • 24-Month CD3.30%
  • Savings0.03%
  • MMA0.08%
Retrieved from our database of financial products. Rates subject to change.

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