What are the current interest rates at Provident Credit Union?

Current rates for Provident Credit Union include: 12-Month CD: 3.20%, 24-Month CD: 3.80%, Savings: 0.03%, MMA: 0.08%

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Provident Credit Union

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Provident Credit Union Rates & Review September 2026

Q: 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.

Q: 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.

Q: 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.

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 22, 2026

Provident Credit Union's 24 Month Add-on rates are at 3.90%, 24 Month Bump-Up CDs rates are at 3.90%, 24 Month Youth Add-On CD rates are at 3.90%, 24 Month Add-on rates are at 3.85%, 24 Month Add-on rates are at 3.80%. Provident Credit Union's savings rates are at 0.03%. Provident Credit Union's money market rates are at 0.08%. Provident Credit Union's Auto Loan Rates are as low as 5.50%. 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 0.56%. Rates last updated and verified on 09/22/2026.

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.

Verified Healthy 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

0.56%

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

Provident Credit Union CD Rates

Product	Rate	APY	Term
24 Month Add-on	3.83%	3.90%	24 Month
Min Balance $100,000 Details Balance: $100,000 and over Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.56%
24 Month Bump-Up Certificates	-	3.90%	24-month
Details This 24-month certificate lets you step up to a higher rate if yields rise. Dividends for this account are paid at maturity and compounded annually. Federally insured up to $250,000 by NCUA. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.56%
24 Month Youth Add-On Certificate	-	3.90%	24-month
Details Commit to savings and earn more with the Youth Add-On Certificate specifically designed for those under the age of 18. This account is perfect for our young savers or parents looking to save for higher education. Great gift idea and an excellent account to be used with direct deposit, automatic payroll deduction or automatic transfers. Add deposits of any amount at anytime. Federally insured up to $250,000 by the NCUA. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.56%
24 Month Add-on	3.78%	3.85%	24 Month
Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.56%
24 Month Add-on	3.74%	3.80%	24 Month
Min Balance $250 Details Balance: $250 - $49,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.56%
24 Month Bump-Up Certificates	-	3.80%	24-month
Details This 24-month certificate lets you step up to a higher rate if yields rise. Dividends for this account are paid at maturity and compounded annually. Federally insured up to $250,000 by NCUA. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.56%
24 Month Youth Add-On Certificate	-	3.80%	24-month
Details Commit to savings and earn more with the Youth Add-On Certificate specifically designed for those under the age of 18. This account is perfect for our young savers or parents looking to save for higher education. Great gift idea and an excellent account to be used with direct deposit, automatic payroll deduction or automatic transfers. Add deposits of any amount at anytime. Federally insured up to $250,000 by the NCUA. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.56%
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 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.56%
12 Month 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 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.56%
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 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.56%
3 Month 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 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.56%
6 Month IRA Pick-A-Term	3.69%	3.75%	6 Month
Min Balance $10,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.56%
6 Month Pick-A-Term	3.69%	3.75%	6 Month
Min Balance $10,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.56%
3 Month IRA Pick-A-Term	3.54%	3.60%	3 Month
Min Balance $10,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.56%
3 Month Pick-A-Term	3.54%	3.60%	3 Month
Min Balance $10,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.56%
12 Month Add-on	3.35%	3.40%	12 Month
Min Balance $100,000 Details Balance: $100,000 and over Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.56%
12 Month Deferred Dividend Certificate	-	3.40%	12-month
Details This type of certificate works differently from our other type of term share certificates. A deferred certificate is designed to help accumulate money for long-term goals. Save for retirement or to protect funds you have already saved. Ideal for members that want a guaranteed high rate and the flexibility to add deposits. Combine with direct deposit for an excellent way to save. Add deposits of any amount anytime. Federally insured up to $250,000 by NCUA. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.56%
12 Month Add-on	3.25%	3.30%	12 Month
Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.56%
12 Month Pick-A-Term	3.25%	3.30%	12 Month
Min Balance $10,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.56%
12 Month Add-on	3.15%	3.20%	12 Month
Min Balance $250 Details Balance: $250 - $49,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.56%
12 Month Deferred Dividend Certificate	-	3.20%	12-month
Details This type of certificate works differently from our other type of term share certificates. A deferred certificate is designed to help accumulate money for long-term goals. Save for retirement or to protect funds you have already saved. Ideal for members that want a guaranteed high rate and the flexibility to add deposits. Combine with direct deposit for an excellent way to save. Add deposits of any amount anytime. Federally insured up to $250,000 by NCUA. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.56%

Provident Credit Union Savings Rates

Product	Rate	APY
Provident Savings Account	-	0.03%
Min Deposit $5 Details Published APY range: 0.03% - 0.08%. Tiered rates are available on most of our certificates. Tiers give you the ability to earn higher dividends on larger account balances. Dividends you earn each month can be added to the certificate balance or transferred to a different account without penalties. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.56%
Round Up Savings	-	0.03%
Details Helps you save by automatically rounding up your debit card purchases to the nearest dollar. The difference is transferred to a Round Up Savings account from your checking account. Checking accounts are not eligible. Or, keep your funds in your Round Up Savings account and watch it grow. 100% of eligible transactions matched for first three months on your first enrolled account. 5% of eligible transactions matched on this. All subsequent enrolled accounts after the first three months, up to $250 per year. Super Reward Checking not eligible for matching. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.56%
Youth Savings Account	-	0.03%
Details Published APY range: 0.03% - 0.08%. Basic savings account for youth Provident members. Youth Savings accounts will convert to a regular savings account on the member's 18th birthday. Free Visa debit card available. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.56%

Provident Credit Union Money Market Rates

Product	Rate	APY
High Yield Money Market Account	-	0.08%
Details Published APY range: 0.08% - 3.60%. Same liquidity as a regular Money Market account, but with our highest yield, as long as you meet the requirements. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.56%
Money Market Account	-	0.08%
Details Published APY range: 0.08% - 3.10%. Higher dividends than typical savings accounts with convenient access to your money. This higher-rate savings account is perfect if you want both higher rates and instant liquidity. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.56%
Premier Money Market Account	-	0.08%
Details Published APY range: 0.08% - 3.40%. Same liquidity as a regular Money Market account, but with higher yields, as long as you meet requirements. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.56%

Provident Credit Union Checking Rates

Product	Rate	APY
Super Reward Checking	1.25%	1.26%
Min Balance $0 Details Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Balance: up to $25,000.00 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.56%
Super Reward Checking	0.71%	0.71%
Min Balance $25,000 Details Balance: Amounts above $25,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.56%
HSA Checking	0.31%	0.31%
Min Balance $25 Details Balance: $25 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.56%

Provident Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New & Used Auto Loan	-	-	5.50%	1-36 months
Details As Low As Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.56%
New and Used Vehicle Loans	-	-	5.50%	12 to 84 months
Details As Low As; Rates are valid as of September 21, 2026 and are subject to change. Terms over 72 months require a minimum loan of $20,000. Subject to credit rating. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.56%
New & Used Auto Loan	-	-	5.63%	37-60 months
Details As Low As Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.56%
New & Used Auto Loan	-	-	5.75%	61-72 months
Details As Low As Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.56%
New & Used Auto Loan	-	-	6.00%	73-84 months
Details As Low As; $20K min Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.56%
College Auto Loan	-	-	11.13%	1-60 months
Details As Low As Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.56%

Provident Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
New & Used Boat Loan	-	7.50%	1-60 months
Details As Low As Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.56%
New & Used Motorcycle Loan	-	7.50%	1-48 months
Details As Low As Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.56%
New & Used Boat Loan	-	8.50%	61-120 months
Details As Low As; $50K min over 72 months Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.56%
New & Used Recreational Vehicle Loan	-	9.00%	1-84 months
Details As Low As; $25k min over 60 months Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.56%
New & Used Recreational Vehicle Loan	-	9.50%	85-120 months
Details As Low As; $50K min over 72 months Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.56%

Provident Credit Union Other Rates

Product	Rate	Points	APY/APR	Term	View More
Liquid Certificate	-	-	3.20%
Details You can get the rate of a certificate and still deposit and withdraw funds from it when you need to. Federally insured up to $250,000 by the NCUA. If we advertise a higher rate for this certificate, you can request the current rate. Available one time, any time during the term of the certificate, and we'll apply it to the remaining term. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.56%

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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Provident Credit Union’s Texas Ratio stayed near 0.18% in Q2 2023 to 0.56% in Q1 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.

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

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

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
March 31, 2026	$3.6B	0.56%	5.0	A+
December 31, 2025	$3.6B	0.84%	5.0	A+
September 30, 2025	$3.6B	0.93%	5.0	A+
June 30, 2025	$3.6B	0.62%	5.0	A+
March 31, 2025	$3.6B	1.11%	5.0	A+
December 31, 2024	$3.5B	1.16%	5.0	A+
September 30, 2024	$3.5B	0.77%	5.0	A+
June 30, 2024	$3.5B	0.35%	5.0	A+
March 31, 2024	$3.5B	0.82%	5.0	A+
December 31, 2023	$3.5B	0.65%	5.0	A+
September 30, 2023	$3.5B	0.18%	5.0	A+
June 30, 2023	$3.5B	0.18%	5.0	A+

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 315

Part-Time Employees 18

Branch Locations 22

ATM Locations 22

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

0.56%

Return on Assets (ROA)

0.1576%

Return on Equity (ROE)

1.4884%

Non-Performing Loans Ratio (NPL)

0.08%

Total Assets

3,625,344,175

Total Amount of Shares and Deposits

3,191,602,249

Total Shares and Deposits < 1 Year

3,144,643,782

Total Shares and Deposits 1 3 Years

38,356,297

Total Shares and Deposits > 3 Years

8,602,168

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

330,342,782

Total Uninsured Shares and Deposits > $250K (F+J)

580,092,782

Total Insured Shares and Deposits > $250K (item 17 less item K)

2,611,509,467

Total Interest Expense (Sum of items 6 8)

13,367,498

Share Certificates

23,601

Number of Accounts for Share Drafts

95,139

IRA KEOGH Accounts

4,314

Number of Accounts for Regular Shares

150,608

All other shares

1,667

Non Member Deposits

Money Market Shares

5,609

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)

301,469,294

Total Liabilities

3,240,251,315

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

Provident Credit Union earned the Verified Healthy badge

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Customer Reviews

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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 CD3.80%
Savings0.03%
MMA0.08%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Provident Credit Union Rates & Review September 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Provident Credit Union Texas Ratio

Provident Credit Union Health Trend

Provident Credit Union CD Rates

Provident Credit Union Savings Rates

Provident Credit Union Money Market Rates

Provident Credit Union Checking Rates

Provident Credit Union Auto Loan Rates

Provident Credit Union RV, Boat and Powersport Loan Rates

Provident Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Provident Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Provident Credit Union

How many branches does Provident Credit Union operate?

Is a member application needed to join Provident Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Provident Credit Union offer online and mobile banking?

Current Provident Credit Union Rates

Compare to Other Credit Unions