Public Employees

Serving the people who serve our communities

We serve members who work in the utilities industry, government, schools, and who belong to our unions in California.

New Teacher Loan

This loan for teachers is available to new teachers and school personnel that have recently transferred to a new school system. It’s a great way to help establish or build credit history.

Health Savings Accounts

Provident offers several options for HSAs, a tax-deductible savings accounts that can be used to pay for a wide variety of health expenses.


See which employers and labor unions partner with Provident to enable membership for their employees.

New Teacher Loan

This fixed rate loan is available to new teachers and school personnel that 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. The loan can also be used to help establish or build credit history.


  • Low monthly payments
  • Loan amounts up to $3,000
  • Terms up to 36 months 

HSA Checking

Provident's HSA works like a checking account and earns dividends. Funds for immediate medical expenses are accessed with a debit card.
Government rules determine whether you are eligible and how you operate your account. You must be covered by a high deductible health plan (HDHP) that is HSA-compatible and not enrolled in Medicare, in addition to other requirements. Unlike Flexible Spending Accounts, your HSA has no "use it or lose it" requirement and also stays with you if you change jobs or retire.


HSA "Add-On" Certificate

This account is available to Health Savings Account (HSA) holders. With an HSA certificate, you have the option to choose either a 12 or 24 month term and can make contributions up to your HSA plan limits. This high rate certificate also has an add-on feature which gives you the ability to make deposits at any time.135 Tiered rates are available on this certificate giving you the ability to earn higher rates based on the current balance of your certificate.


  • Guaranteed high rates for the term of the certificate
  • Choice of maturity date
  • Federally insured to $250,000 by NCUA
  • Dividends may be transferred to Checking or Savings or withdrawn without penalty at maturity

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