Welcome Partner
Join Us and Prosper
Special Offers for Partner Employees
Provident Credit Union membership gives you access to special financial products that are better than a bank's. You'll especially enjoy lower rates on auto and home loans and earn higher interest on savings and checking accounts.
Partner is providing this benefit because they care about your financial health. Our products, services and educational tools can help you secure your financial future, enjoy peace of mind, and achieve your goals.
Let's Start You Off With $300123
Earn $300 when you open a qualifying checking account with Provident and meet the requirements outlined below. Be sure to use promo code 9166 when applying.
Open a Checking Account
Earn a $300 Bonus in Four Easy Steps
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.
Disclosures
- 010) Annual Percentage Yield (APY) is effective as of and may change anytime. These are the requirements to receive 1.26% APY on balances up to $25,000, 0.08% APY on balances beyond the first $25,000, and ATM rebates. 1) make purchases of $400 or more using a Provident debit and/or credit card, 2) complete one direct deposit or ACH transfer (automatic debit or credit), and 3) receive online e-Documents. If the 3 requirements are not met in their entirety, the APY will be 0% and no ATM rebates will be issued for that month. 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. 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. Some bill payments will meet the monthly requirement for an ACH debit or credit transaction. Debit card cash-back amounts and cash advances on credit cards do not count towards qualifications. Only one Visa credit card can have its purchases count towards your qualifications each month (whichever one that is selected on the account on the last business day of the month). The minimum deposit required to open this Account is $25. No minimum balance required and no monthly fee will be assessed. To qualify you must also be a member and age 18 or older. Fees may reduce earnings. Dividends are forfeited if the account is closed prior to scheduled dividend payment date. Effective February 1, 2013 no more than 1 (one) Super Reward Checking account can be opened per membership.
- 022) Provident Credit Union is unable to finance branded or certain types of commercial vehicles. Out-of-state financing is available only at select dealerships and on certain types of transactions. If you are purchasing a vehicle from a private party, all necessary DMV documentation including a smog certificate dated within the last 90 days, may be required.
- 023) 100% financing available on used cars up to retail Kelley Blue Book value. Subject to credit rating.
- 024) Terms over 72 months require a minimum loan of $20,000. Subject to credit rating.
- 025) Payments begin 90 days after loan funding; interest accrues from day of funding.
- 026) Refinance loans up to 100% Kelley Blue Book. Lowered monthly payments may require extension of current term.
- 079) APR = Annual Percentage Rate. Fourteen (14) months introductory rate of 0% APR based on your credit worthiness. After that, the variable APR for purchases will be 16.24% to 18.00%. 0% Introductory APR balance transfer rate for transfers made within 60 days of the account opening. The promotional rate of 0% APR will remain for 14 months from each qualifying balance transfer transaction. After the introductory period, all balance transfers are subject to the standard balance transfer variable APR of 17.24% to 18.00%. There is a balance transfer fee of either $10.00 or 2% of the amount of each transfer, whichever is greater. Balance transfers from other Provident Credit Union accounts do not qualify for the 0% Introductory APR. Balance transfers conducted after account opening will minimize the period of the introductory rate. e.g, if the transfer takes place a month after account opening, the promotional rate will only be for thirteen (13) billing cycles. Balance transfers are made available at our discretion. Introductory rate only applies to new account holders and excludes transfers from other Provident accounts. If you default under your card agreement, you may lose any promotional APR on the balance transfer. View Cash Back Terms and Conditions and Cash Back Credit Card Agreement for details.
- 109) Annual Percentage Rate (APR) as of is subject to change without notice. Rate reflects our best rate on a maximum term of 36 months for applicants with a FICO score of 700 and above. Actual rate and payment may vary based on FICO score, loan amount, and term. Payment example: Payment per $1,000 financed with a 36-month term at 6.000% APR is $30.42.
- 123) This offer is only valid for NEW Provident Checking Accounts and NEW Provident Credit Union members, 18 or older, who reside in California. 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. - 128) APR (Annual Percentage Rate) as of is subject to change without notice and based on 0 points. Your APR will vary based on your final loan amount and finance charges. Your actual payments are based on the interest rate, not the APR. Rates shown assume the loan is for the purchase or no-cash-out refinance of an owner-occupied, existing single family residence, in California only, serving as a primary residence, with a loan-to-value ratio of less than 60%, and excellent credit. Adequate property insurance required for the life of the loan. Flood insurance may be required. Private mortgage insurance (PMI) is required on mortgages that exceed 80% loan-to-value (LTV). Payment is based on the interest rate listed for the amortization terms listed, 0 points, $2000 in lender closing costs, and is rounded to the nearest dollar. The monthly payment amount shown includes principal and interest, and does not include amounts for taxes and insurance premiums, if applicable. Your actual monthly payment will be higher if an escrow account is established or required. Private mortgage insurance (PMI) is required on mortgages that exceed 80% loan-to-value (LTV), and would also increase the payment amount. Additional Rate Information and Payment Examples
- 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.
- 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) Limited time offer. Dividend rates are fixed for the term of the certificate and are not subject to a tiered rate. The minimum opening deposit is $10,000. Deposits cannot be added to this certificate once it has been opened. Institutional deposits are not eligible. At maturity, the 3 Month Pick-A-Term Certificate will automatically renew to the 3 Month Pick-A-Term Certificate fixed rate. The 6 Month Pick-A-Term Certificate will automatically renew to the 6 Month Pick-A-Term Certificate fixed rate, and the 9 Month and 12 Month Pick-A-Term Certificates will renew to the 12 Month Pick-A-Term Certificate fixed rate, in effect at that time.
You Can Save Thousands!
Partner has negotiated a 0.125% rate discount to save you thousands over the life of a home or auto loan.
Finance Your Mortgage With Us
Whether you’re purchasing your first home or want to refinance your existing loan, Provident Credit Union has home financing options to fit your needs.
Home Loan (30-Year Fixed):
$500,000 HOME PURCHASE OR REFINANCE SAVINGS EXAMPLE
|
Without Discount |
With Discount |
---|---|---|
Interest |
6.750% (6.789% APR)128 |
6.625% (6.664% APR)128 |
Monthly Payment |
$3,242.99 |
$3,201.55 |
Annual Savings |
|
$497.28 |
10 Year Savings |
|
$4,972.80 |
Low Rate Auto Loans
AUTO LOAN (NEW OR USED): 6.000% APR109
Enjoy low fixed rates on both new and used vehicles022:
- Up to 100% financing of purchase price including tax, license and warranty023
- Terms from 12 to 84 months.024
- First payment deferred up to 90 days025
- Same rates for new and used vehicles
- No maximum model year age or mileage restrictions
- 100% Financing
- No payments for 90 days option
- Multiple term options up to 84 months
Featured Products:
Features
Super Reward Checking
EARN 1.26% APY010
This high yield checking account offers all the best features you'd want in a checking account while allowing you to earn more on your deposits and everyday banking.
Features
Digital Edge
This digital account is ideal if you're seeking a seamless, check-free, and paperless banking solution. It offers a simple, secure, and mobile-friendly way to manage your finances on-the-go.
Features
- Pick-A-Term Certificates offers 3, 6, 9 and 12 month terms
- Federally insured up to $250,000 by NCUA
- Guaranteed rate for the term of the certificate
Features
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Unlimited 1.5% cash back on all purchases
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No annual fee
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No merchant categories to choose from to earn rewards
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No caps or restrictions
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0% APR on purchases and balance transfers for 14 billings cycles
Cash Back Visa Signature®
Receive unlimited 1.5% cash back on all purchases. Enjoy no interest on purchases and balance transfers for the first 14 billing cycles.079
Checking Accounts
Rates are valid as of and are subject to change.
Type | Min. Balance | Dividend Rate | Annual Percentage Yield (APY) | Disclaimers |
---|---|---|---|---|
Super Reward Checking | up to $25,000 | 1.253% | 1.26% | I |
Amounts above $25,000 | 0.080% | 0.08% | ||
Requirements Not Met | 0.000% | 0.00% |
- I) To receive the rates above 0%, you must complete the following three requirements each month: 1) make purchases of $400 or more using a Provident debit and/or credit card, 2) complete one direct deposit or ACH transfer (automatic debit or credit), and 3) receive online e-Documents. If these requirements are not met in their entirety, the APY will be 0%. 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. The minimum deposit required to open this Account is $25. No minimum balance required and no monthly fee will be assessed. To qualify you must also be a member and age 18 or older. Dividends are forfeited if the account is closed prior to scheduled dividend payment date. Effective February 1, 2013 no more than 1 (one) Super Reward Checking account can be opened per membership.
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Financial Calculators
All CalculatorsBrowse calculators for common questions about mortgages, retirement, savings, and loans.