Provident is ready to help with special financing that will enable you to use natural resources responsibly and economically. The Solar Advantage Loan is a fixed rate loan for financing the purchase and installation of solar power for your home.¹ Installing a solar power system is equivalent to pre-paying 40 years of power, at a fraction of what you currently pay. Once installed, a solar power system requires little or no maintenance and will provide electricity cleanly and quietly for years to come. Saving green while going green—it's a win-win scenario!

Here's how you can go solar and save:

• A fixed rate of 6.5% APR ^2,3
• 20 year term (240 months)
• Borrow up to $35,000 ³
• Receive cash rebates from the California Solar Initiative and a federal tax credit
• Learn more about solar and renewable energy at gosolarcalifornia.ca.gov

Rates   Apply

1) You must currently own and occupy a home in California. $150 recording fee required.

2) APR - Annual Percentage Rate as of 5/17/2013. APR is subject to change.

3) APR and loan amount are dependent on credit rating.

No collateral is required for this loan. This is a closed end loan with terms available up to 48 months* and the interest rate is fixed for the entire loan term.

Rates   Apply

* Maximum term for all closed end consumer loans is one year (12 months) per $1,000 financed.

Our New Teacher Loan is available to teachers and school personnel that are new or have recently transferred to a new school system. Qualified members will receive an affordable loan that can be used for situations ranging from debt consolidation to major purchases or other unexpected expenses. This loan is also a great way to help establish or build credit history or to avoid financial trouble.

With a fixed rate and term, this loan offers the following benefits:

• Loan amounts up to $3,000*
• 2% rate discount with automatic payment set-up
• Low monthly payments
• Terms up to 36 months

To apply, call us at (800) 632-4600, option 3, or visit a local community branch during business hours. To receive a loan application by mail, e-mail our Lending Department. (Applying online is currently unavailable.)

This type of loan is fully secured by funds in your account and is typically used to establish or reestablish credit. You can borrow up to 80% of the amount available in your Provident Credit Union savings, with terms from 1 to 72 months.* Because the loan is secured by your savings, the interest rate is better than that of an unsecured personal loan.

Rates   Apply

* Maximum term for all closed end consumer loans is one year (12 months) per $1,000 financed. Annual Percentage Rate (APR) on loan equals the member's lowest savings rate, plus 3%.

If you need some cash, there's no need to lose the high yield you are earning on your Provident Credit Union Term Share Certificate. Use it to secure a personal loan equal to 80% of the Certificate balance and receive a very attractive rate.* There are no monthly payments required on this loan. The loan is paid off when the certificate securing it matures, or you may opt to renew the loan.

Rates   Apply

* For Certificate Secured loan, Annual Percentage Rate (APR) equals Certificate yield, plus 3% (rate rounded up to next whole number). You cannot use 24-month add-on certificate or IRA certificates to secure a loan.

This unsecured personal line of credit can be handy if you need occasional access to funds for large purchases or emergencies. With VIP Credit Line, there is no need for another plastic card in your wallet; just write a check or transfer an advance into another Provident Credit Union account.

• Credit lines up to $10,000
• Low $25 annual fee
• Easy access:
  • by phone through Touch Tone Teller
  • online through Account Manager
  • with convenience checks

Rates   Apply

For convenient access to credit whenever you need it, be sure to check out Provident's Visa cards. If you've got equity in your home, put it to good use with a home equity line of credit or equity loan. Our Prime Plus HELOC and Relationship HELOC each offer very favorable rates. Finally, if you have an auto loan from another lender, consider refinancing with Provident Credit Union as a way to put more money in your pocket.