--- title: "Provident Credit Union Rates (Nov 2026): HELOC 7.60%" description: "Provident Credit Union rates today: HELOC from 7.60% APR. Every rate verified daily from the official website — no pay-to-rank. See who can join Provident Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/california/provident" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Provident Credit Union Rates (Nov 2026): HELOC 7.60% ### Auto & vehicle rates 10 offers | Product | Published | Rate | Term / condition | Status | | **New & Used Auto Loan** auto_any_36mo | — APR | 5.750% | 36 mo · any | Standard | | **New & Used Auto Loan** auto_any_60mo | — APR | 5.875% | 60 mo · any | Standard | | **New & Used Auto Loan** auto_any_72mo | — APR | 6.000% | 72 mo · any | Standard | | **New & Used Auto Loan** auto_any_84mo | — APR | 6.250% | 84 mo · any | Standard | | **New & Used Boat Loan** boat_any_60mo | — APR | 7.500% | 60 mo · any | Standard | | **New & Used Motorcycle Loan** motorcycle_any_48mo | — APR | 7.500% | 48 mo · any | Standard | | **New & Used Boat Loan** boat_any_120mo | — APR | 8.500% | 120 mo · any | Standard | | **New & Used Recreational Vehicle Loan** rv_any_84mo | — APR | 9.000% | 84 mo · any | Standard | | **New & Used Recreational Vehicle Loan** rv_any_120mo | — APR | 9.500% | 120 mo · any | Standard | | **College Auto Loan** auto_any_60mo | — APR | 11.375% | 60 mo | Standard | Provident Credit Union auto & vehicle rates as of November 12, 2026 ### HELOC rates 1 offer | Product | Published | Rate | Term / condition | Status | | **5-Year Fixed Relationship HELOC** heloc_fixed | 7.600% APR | 7.000% | — | Standard | Provident Credit Union heloc rates as of November 12, 2026 ### Personal loan rates 4 offers | Product | Published | Rate | Term / condition | Status | | **Solar Advantage Loan** personal_unsecured_120mo | — APR | 7.875% | 120 mo | Standard | | **Solar Advantage Loan** personal_unsecured_180mo | — APR | 8.125% | 180 mo | Standard | | **Solar Advantage Loan** personal_unsecured_240mo | — APR | 8.375% | 240 mo | Standard | | **Fixed Rate Personal Loan** personal_unsecured_48mo | — APR | 10.615% | 48 mo | Standard | Provident Credit Union personal loan rates as of November 12, 2026 ### Savings & CD rates 8 offers | Product | Published | Rate | Term / condition | Status | | **Super Reward Checking** checking | — APY | 0.03% | — | Standard | | **Round Up Savings** savings | — APY | 0.03% | — | Standard | | **Money Market** money_market | — APY | 0.08% | — | Standard | | **Super Reward Checking** checking | — APY | 1.25% | — | Standard | | **Super Reward Checking** checking | — APY | 1.26% | 12 mo | Standard | | **Pick-A-Term Certificate** cd | — APY | 3.75% | — | Standard | | **Overview** savings | — APY | 3.75% | — | Standard | | **IRA Pick-A-Term Certificate** ira_cd | — APY | 3.75% | — | Standard | Provident Credit Union savings & cd rates as of November 12, 2026 HELOC rates from 7.6% APR. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/california/provident) , verified from [Provident Credit Union's official website](https://providentcu.org/) Best product position **Room to improve vs. the California median** HELOC Gap to state best **161 bp** 161 bp from state best Vs. state median **60 bp behind median** HELOC Products ranked **1** across tracked California markets | Product | Published APR | Position | Vs. state best | Vs. state median | | HELOC | 7.60% | Room to improve vs. the California median | 161 bp from state best | 60 bp behind median | Published rate position by product as of November 13, 2026 This is the public snapshot. Claim Provident Credit Union's profile to see the full product-by-product breakdown, how the gap to the state best has moved over time, and the near-misses where a small change would move you up. [See the full breakdown →](https://rateapi.dev/for-credit-unions/claim?cu=provident&state=california&code=CA&name=Provident%20Credit%20Union) Loading branch locator… ## About Provident Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 135.2K Assets $3.6B Founded 1950 Locations reported 23 NCUA charter 66343 Charter type Federally insured state-chartered credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Electronic statements - Mobile check deposit - Mobile payments - Financial counseling - Financial education - First-time homebuyer program - Student scholarships Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**The Police** SAN MATEO BRANCH · San Mateo · CA · 94403-4574 About 2.3 miles away](https://rateapi.dev/credit-unions/california/the-police) [**San Francisco** Redwood City Branch · Redwood City · CA · 94063 About 2.9 miles away](https://rateapi.dev/credit-unions/california/san-francisco) [**Upward** San Francisco Federal Credit Union · Redwood City · CA · 94063 About 2.9 miles away](https://rateapi.dev/credit-unions/california/upward) [**Monterra** 350 Convention Way · Redwood City · CA · 94063 About 3.0 miles away](https://rateapi.dev/credit-unions/california/monterra) [**San Mateo City Employees** Credit Union Main Office · San Mateo · CA · 94403 About 3.1 miles away](https://rateapi.dev/credit-unions/california/san-mateo-city-employees) [**Premier One** SEQUOIA · REDWOOD CITY · CA · 94063-1212 About 3.1 miles away](https://rateapi.dev/credit-unions/california/premier-one) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join Provident Credit Union Membership eligibility from Provident Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Provident Credit Union's website. Check the membership page below to confirm whether you qualify. - Location alameda, contra costa, el dorado, humboldt, monterey, placer, sacramento, san francisco, san mateo, santa clara — CA Verified from [Provident Credit Union's membership page](https://providentcu.org/become-a-member) . Final membership determination is always made by the credit union. ## Membership rules for Provident Credit Union Geography 10 counties · Family 2 24 published paths to membership, last verified September 13, 2026, quoted from Provident Credit Union’s own published criteria. ### Geography 11 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified September 13, 2026 - Alameda County, CA - Contra Costa County, CA - El Dorado County, CA - Humboldt County, CA - Los Angeles, CA - Monterey County, CA - Placer County, CA - Sacramento County, CA - San Francisco County, CA - San Mateo County, CA - Santa Clara County, CA “Where You Live or Work Alameda County City of Los Angeles Contra Costa County El Dorado County Humboldt County Monterey County Placer County Sacramento County San Francisco County San Mateo County Santa Clara County” > [source ↗](https://providentcu.org/become-a-member) ### Family 2 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified September 13, 2026 - Family of a member relative, household member “You are eligible for membership if you are related to or live in the same household as a current Provident Credit Union member. This includes anyone related to you by birth, marriage, or adoption, or persons living in the same residence maintaining a single economic unit.” > [source ↗](https://providentcu.org/become-a-member) - Family member (relative, household member) of a member - Family of a member immediate family, spouse, parent, child, sibling, grandparent, grandchild, stepparent, stepchild, stepsibling “Members may sponsor for membership any immediate family members who are U.S. citizens or permanent residents. This includes spouses, parents, children, siblings, grandparents, grandchildren, stepparents, stepchildren, stepsiblings, and adoptive relationships.” > [source ↗](https://providentcu.org/become-a-member) - Family member (immediate family, spouse, parent, child, sibling, grandparent, grandchild, stepparent, stepchild, stepsibling) of a member Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Provident Credit Union? Yes No ## Work at Provident Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Provident Credit Union ranks against California peers. - See which AI assistants fetched Provident Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in California - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=provident&state=california&code=CA&name=Provident%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Provident Credit Union offer? Provident Credit Union currently offers vehicle loan, HELOC, and personal loan rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are Provident Credit Union rates updated? RateAPI verifies Provident Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 12, 2026. ### Where does RateAPI get Provident Credit Union's rate data? Rate data is collected directly from Provident Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What is Provident Credit Union's HELOC rate? As of November 12, 2026, Provident Credit Union offers home equity lines of credit from 7.6% APR. ### Who can join Provident Credit Union? Provident Credit Union publishes its membership criteria on its own website. RateAPI tracks 24 published membership paths covering 10 counties for Provident Credit Union, each quoted from Provident Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Provident Credit Union's rates against national credit-union benchmarks. [More California credit unions](https://rateapi.dev/credit-unions/california) [California auto loan rate leaders](https://rateapi.dev/auto-loan-rates/california) [California HELOC rate leaders](https://rateapi.dev/heloc-rates/california) [California personal loan leaders](https://rateapi.dev/personal-loan-rates/california) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://providentcu.org/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Provident Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when California credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Provident Credit Union curl "https://api.rateapi.dev/credit-unions/california /provident " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Provident Credit Union locations Search, filter, and browse all 23 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/california/provident Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp