Your Accounts Are Safe

Provident — Outstanding Financial Strength

Provident is one of the biggest (20th largest credit union in California and 108th largest in the U.S.) and most secure credit unions in the country well positioned to continue to assist our members through any economic storm. Our financial strength is demonstrated by the following:

Provident is rated "A+" for financial health and stability by evaluates all federally insured banks and credit unions on factors such as capitalization, deposit growth, and loan-to-reserve ratios to determine a comprehensive health score. This impressive accomplishment highlights Provident’s consistency and financial strength.

Provident is backed by the strongest federal deposit insurance in the industry through the NCUA (National Credit Union Administration). This insurance — the NCUSIF (National Credit Union Share Insurance Fund) — fully insures all member deposits to at least $250,000 with an additional $250,000 insurance for Individual Retirement Accounts.

Provident's continued high levels of capital are proof of its financial strength and its ability to weather any financial storm. The National Credit Union Administration considers a credit union with 7% net worth as "well capitalized". Provident far exceeds this number with over 10% in net worth.

Further, your deposits remain insured to the highest levels ever.

Rest assured that your money is safe and sound and insured with us. Provident continues to operate with the same common sense, conservative approach we have followed throughout our 73 year history. Please be sure to contact us if we can answer any questions or concerns for you.

5-Star Rating continuously for over 29 years

Earning and maintaining Bauer's Top, 5-Star Rating continuously for over 29 years, gives the added distinction of "Best of Bauer Credit Union". Read the latest BauerFinancial press release.


The National Credit Union Administration (NCUA) charters and supervises federal credit unions and insures savings in federal credit unions and most state-chartered credit unions across the country through the National Credit Union Share Insurance Fund (NCUSIF), a federal fund backed by the full faith and credit of the United States government.

To better understand this protection, try out the NCUA's Share Insurance Estimator.

No need to apply. All funds that you deposit into Provident Credit Union (to at least $250,000 per member, and up to $250,000 for IRAs) are automatically covered.