Membership Has Its Advantages
Experience the Credit Union That Puts You First
At Provident Credit Union, membership means more than just banking—it means being part of a financial institution that puts your goals first. Whether you’re starting fresh, saving smarter, or shopping for your next big purchase, we’re here to help you make the most of every dollar.
Earn a $475 New Account Bonus
Open a qualifying checking account and we’ll reward you with a $475 bonus—just for getting started. It’s our way of helping you kick off your financial journey on the right foot.
Use promo code WELCOME475 when applying. Offer expires July 31, 2025.
How to Earn Your $475 Checking Account Bonus212
To qualify, simply complete these four steps for two consecutive months, starting the month following your account opening.
1. Deposit
Deposit a minimum of $25 within the first 60 days of account opening.
2. Make Purchases
Make purchases of $400 or more using a Provident debit and/or credit card.215
3. Set-Up Direct Deposit
Have monthly direct deposits or automatic credits of at least $500.
4. Enroll
Enroll in online banking and eDocuments with a valid email address.
Save More. Borrow Smarter. Live Better.
Step Up Your Savings Goal
Reach your financial goals faster with our Pick‑A‑Term Certificate .224 Choose the term that works for you and lock in a guaranteed return of up to 3.40% APY.130 Minimum opening deposit of $10,000.229
Drive Away with Low Auto Rates
Save more on your next vehicle with low rates on new and used auto loans. Enjoy flexible terms and financing that fits your budget.
Find a Mortage That Fits You
From first homes to forever homes, we’re here to help you open the door. With low rates and flexible loan options, Provident makes homeownership more accessible so you can focus on making memories, not just payments.
Disclosures
- 130) APY = Annual Percentage Yield. Dividend rates are fixed for the term of the certificate. Rates are valid as of and are subject to change.
- 212) This offer is only valid for NEW Provident Checking Accounts and NEW Provident Credit Union members, 18 or older, who reside in one of the following counties in California: Alameda, Contra Costa, El Dorado, Placer, Sacramento, San Mateo, Santa Clara, and San Francisco. Offer limited to one per individual and one per household and address. To be eligible, you must open one of the following checking accounts: Super Reward Checking, Provident Checking, Simply Free Checking, or a Digital Edge Account; all other checking accounts are not eligible for the bonus. New Account Bonus offer may expire anytime. This offer cannot be combined with any other offers. The minimum balance for the Membership Savings account is $5.00. You must fund your Checking account within the first 60 days of account opening with a minimum deposit of $25. If you fail to fund your Checking account within the first 60 days you are no longer eligible for the New Account Bonus and your account(s) will be closed.
In order to qualify for your New Account Bonus your account must be active and in good standing for two consecutive months following the month that your account is opened. All qualifying purchases and transactions referred to as "per month" or "monthly" only count towards the requirement of the month in which they POST, which will be on a business day (Monday – Friday) and may take one or more business days from the purchase/transaction date. Your account is deemed active by: (1) making purchases of $400 or more using a debit and/or credit card per month, AND (2) performing monthly direct deposits or automatic credits of at least $500 into your checking account, AND (3) enrolling in Provident's online banking service and e-Documents with valid e-mail address. If your account remains inactive after 90 days from account opening you are no longer eligible for the New Account Bonus. Your account is in good standing if you: (1) demonstrate responsible account management—such as making regular deposits to bring your account to a positive end of day balance at least once every 30 days (including the payment of all credit union fees and charges); (2) avoid excessive overdrafts suggesting the use of Courtesy Pay Overdraft as a continuing line of credit; (3) there are no legal orders, levies or liens against your account. New Account Bonus: The New Account Bonus will typically be credited to your Provident Credit Union Checking account within 120 days of account opening. If Provident funded your savings account at the time of opening, you will receive the difference between the initial $5.00 savings account bonus and the stated bonus within this 120 day period. Please note, we may report the value of the New Account Bonus to the IRS, and any applicable taxes are the responsibility of the member. - 215) Automatic or electronic payments using your checking account and routing number are not considered purchases. By providing your payee with your debit or credit card number, your posted automatic payments will be counted as eligible purchases. Debit card cash-back amounts and cash advances on credit cards do not count towards qualifications.
- 224) Penalty for early withdrawal may be assessed and may reduce earnings for all term share certificates.
- 229) Adequate property insurance required for the life of the loan. Flood insurance may be required. Private Mortgage Insurance (PMI) required on all mortgages exceeding 80% loan-to-value (LTV). All loans subject to credit approval.
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★★★★★
Open a Checking AccountVery professional and knowledgeable staff. I love Provident Credit Union
- John L, Santa Clara, CA -
★★★★★
I have had an account with Provident for many years. I always get superb service when I visit a branch!
- Jo Ann O, San Francisco, CA
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