Provident Credit Union Reviews

2.8 out of 5 stars
4 Reviews

From Account Holders in the last year


Application Process

3.5 out of 5 stars

Customer Service

3.5 out of 5 stars

3 5

These reviews were written by current and former account holders in the last year.

Jun 09, 2017
Good rates, staff in branch, bad website
lylebarrere Account Holder

This credit union has great 2% interest in checking accounts, and low credit card rates. Staff in the branches are fantastic, but their website looks like 1992 and is slow and hard to use. iPhone app is even worse, with limited features and incredibly slow loading times. Email support takes weeks (literally) for a response.

I wish their tech would improve to match their rates and in branch customer service so I could give them 5 stars. 

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Mar 16, 2017
no problems
TheCeladon Account Holder

I've been a member of this credit union for 8 years and have had no problems.  I have recently obtained their Visa card which is linked to the Rewards Checking that I have.  This arrangement allows me to receive a 2% interest on my checking balance plus the cash back that the card offers.  I recieve about $50 in cash monthly for spending about $300 to $400 every month.  The one complaint that I do have about Provident is their website.  It could have a better interface and be made simpler to navigate.  A Provident Credit Union agent called me during the application process and explained exactly how this Visa card works with Rewards Checking.  Now regarding customer service for the card itself I can't comment as I've had no problems with it.  I've had the card about 8 months now. 

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Oct 12, 2016
Good rates/low service level back office
dervilo Account Holder

They offer good rates, but I am having problems with their process, for example, I have paid my credit card and they did not compute they payment for 5 day, and sent the wrong balance value to the credti bureaut dropping my credit score by 90 points.

It was very bad for me and impacted me a lot! 

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Aug 11, 2016
Branches Great, Back Office Terrible
LuckyStars7 Account Holder

Provident Credit Union used to be a star in the SF Bay area. Their local branches and especially many of the staff are still great. They go out of their way to help and explain things, process transactions, and make the member's day a more plesaant one. But I finally had to leave them because their call center "overflow operations" apparently overflow to highly unqualified people who make many mistakes. In addition they outsource their VISA operations to an anonymous outfit in Florida that apparently is in some kind of of war with their HQ in Redwood City. 

If you never have to call in this place might be ok but I can't recommend them due to the outright hostility and incompetence repeatedly displayed by their call center staff, the overflow center staff, and especially the VISA people. What was once a great, seamless CU is now fractured into very uneven parts. 

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