Working at Provident Credit Union | Glassdoor

Provident Credit Union Overview

Redwood City, CA
201 to 500 employees
Nonprofit Organization
$50 to $100 million (USD) per year
Originally established in 1950 as the credit union for the California Teachers Association, Provident Credit Union has expanded to serve more than 100,000 members from over 1,000 employer groups. Over the years, we’ve established ourselves as a recognized leader in the ... Read more

Mission: Provident Credit Union is member-owned, trusted, financially sound, technologically advanced, and provides "world class" value, convenience, products and services to all members.

Provident Credit Union – Why Work For Us?


Currently the 91st largest credit union in the U.S. (18th largest in California), Provident Credit Union was established in 1950 to serve the California Teachers Association. Headquartered in the San Francisco Bay Area, Provident Credit Union now serves more than 100,000 members from over 1200 employer groups and maintains branches throughout California.

Provident Credit Union is committed to the safety of our members' deposits. With over 2.1 billion dollars in assets, Provident has earned a reputation for absolute safety and soundness. Additionally, we hold over 11% of our assets in reserve, a figure greatly exceeding that of most banks. Plus, your savings are insured to $250,000 per membership (with an additional $250,000 per IRA) by the National Credit Union Administration (NCUA).


  • Enjoy a wide range of high-yield savings, money market, term certificates, and IRAs, including the Roth and Education IRA
  • Low rate personal, solar, auto, RV, and home loans
  • Choice of low or no-fee checking accounts, including our free Super Reward Checking that earns 2.01%APY1 and the very liquid Money Market Checking account
  • Nationwide network of Branches
  • Worldwide ATM network
  • ATM and Visa Check Cards for cash or purchasing convenience
  • Signature Cash Back, Rewards, and Low Rate credit cards with no annual fee
  • Online account access through online banking and mobile banking
  • Digital Wallet service for a secure, easy, and private way make purchases with your Visa cards.
  • Toll-free 24-hour account access by phone with Touch Tone Teller
  • Electronic bill payments through online banking with Bill Manager
  • Deposit checks practically anywhere with e-Deposit
  • Zero Liability Fraud Protection Guarantee
  • Monday through Saturday telephone service through our Call Center
  • 24-hour loans by phone
  • Financial Consulting through our Investment Services department
  • Auto loan refinancing; on-site and dealer car sales; and discount vehicle pricing for members only
  • Membership eligibility extended to anyone related to you by birth, marriage or adoption
  • Perpetual membership - "once a member, always a member," even if you retire or change jobs. If you terminate your membership, you may enroll at another time


We are leaders in the credit union industry because of our talented employees who put our members first. And we're committed to keeping our employees healthy and happy. Read on to learn more...


Originally established in 1950 as the credit union for the California Teachers Association, Provident Credit Union has expanded to serve more than 100,000 members from over 1,000 employer groups. Over the years, we’ve established ourselves as a recognized leader in the credit union industry. And we’re just getting started. Come work for one of the largest and strongest credit unions in the country.


Provident has been awarded a 2017 Top Workplaces honor by the Bay Area News Group. The Top Workplaces lists are based solely on the results of an employee feedback survey. And who better to ask about work life than the people who live the culture every day—the employees.

The survey is voluntary and is administered by WorkplaceDynamics, LLC, a leading research firm that specializes in organizational health and workplace improvement. As part of the survey, employees were asked to measure several aspects of workplace culture including alignment, execution and connection, just to name a few.

"The Top Workplaces award is not a popularity contest. And oftentimes, people assume it's all about fancy perks and benefits." says Doug Claffey, CEO of WorkplaceDynamics. "But to be a Top Workplace, organizations must meet our strict standards for organizational health."

Our employee morale and culture feeds directly into our commitment to our members. We have a strong belief in doing everything we can to provide quality products with exceptional service and receiving this recognition serves as additional motivation to continue in that tradition.


  • Provident Credit Union has earned a 5-Star Superior rating from BauerFinancial, the nation’s credit union and bank rating firm. This signifies that Provident is one of the strongest credit unions in the nation. Provident's designation as a "Sustained Superiority Credit Union" is for having earned Bauer’s top rating for so long and with such consistency. Press Release

  • Provident Credit Union is a Better Business Bureau Accredited Business. This means we meet the BBB Code of Business Practices: representing sound advertising, selling, and customer service practices that enhance customer trust and confidence in business.BBB Business Review of Provident

  • Provident Credit Union has been rated as one of the top 11 credit unions in California by AdvisoryHQ. AdvisoryHQ News is an online news media that provides extensive research, independent reviews, and top rankings of firms and products across the U.S., U.K., and Canada. Advisory HQ Review of Provident

  • Provident is one of the Top 200 Healthiest Credit Unions in the country, as rated by, with a rating of "A+". 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 Credit Union is committed to providing physical activity and wellness opportunities for our employees. We have been recognized as a 2013 Gold Level Recipient of the American Heart Association's Fit-Friendly Worksites Recognition program.

  • Provident Credit Union’s call center was named by BenchmarkPortal as one of the Top 100 small call centers in the country for providing high quality service and running a quality operation. Provident won the award in the under 50 call center employees category. BenchmarkPortal is a very well-known and respected call center consulting firm. Press Release


We are a company that makes all of our decisions based on our members’ best interests. We make life easy for them while providing financial products and services that enhance our members’ lives. People helping people. That’s what we’re all about.


We are empathetic.

We love our members.

We have a sense of fun.

We get things done.

We are self-motivated and always charging ahead.

We foster an organization of mutual respect and teamwork among our employees.

We challenge our employees with opportunities to grow their careers and actively participate in our local communities.

Are you up for the challenge?

As a Provident employee, you’re not just a part of an award-winning team, you’re also a part of a larger community – a community of members, friends, families, and local businesses that we serve. We accept our responsibility as a good corporate citizen, and we don’t take this lightly. We’re active and always out there, whether it be at a local art and wine festival or sponsoring a financial literacy program.


Great people deserve great benefits. We expect a lot and we give a lot. As an employee of Provident, you will have access to one of the most generous employee benefit programs in the financial industry including:


  • Quality medical, dental and vision care coverage
  • Group life insurance – with an option for additional coverage
  • Accidental death & dismemberment (AD&D) insurance
  • Short and long-term disability
  • Flexible spending accounts
  • Wellness programs
  • Annual health fair
  • Free annual flu shots
  • Employee assistance program (EAP)


  • Tuition reimbursement
  • New hire orientation
  • Training and development programs
  • Mentoring program
  • Internal transfer opportunities for career growth


  • Paid holidays – determined annually
  • Paid sick leave
  • Generous paid time off (PTO) – determined by position and years of service
  • Volunteer Time off to support your favorite cause - paid for by Provident


  • Rate discounts on home, auto, and personal loans
  • 40l(k) plan with generous employer match
  • Competitive compensation
  • Incentive sharing opportunities
  • Employee referral bonuses
  • Bright Ideas program
  • Employee recognition programs
  • Computer purchase discounts
  • Bring Your Kids to Work Day

Provident Credit Union participates in its communities through donations, staff volunteerism, and Credit Union driven programs. With our roots serving educators through the California Teachers Association, emphasis is given to supporting local schools and educational programs as well as personal health and safety of our members' communities.

Provident Credit Union is committed to bringing value to the financial lives of our members, their families, and their communities. Because we are entrusted to safeguard our member's money, we are accountable to them to make decisions consistent with our Credit Union's long history of "People Helping People." For this reason, our support as a good corporate citizen focuses on education & financial literacy, personal health & safety, affordable housing, and support for our local business community.


View our Community page to see what we’ve been up to recently. You can also see some photos of our events on the photos page on Glassdoor.

Provident Credit Union Reviews

Rating TrendsRating Trends
Recommend to a friend
Approve of CEO
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Jim Ernest
1 Rating
  • Featured Review

    "Personal Account Adviser"

    • Work/Life Balance
    • Culture & Values
    • Career Opportunities
    • Comp & Benefits
    • Senior Management
    Current Employee - Personal Account Adviser in Redwood Shores, CA
    Current Employee - Personal Account Adviser in Redwood Shores, CA
    Positive Outlook
    Approves of CEO

    I have been working at Provident Credit Union (Less than a year)


    Working at Provident Credit Union has been such an honor. During my time here I have grown both personally and professionally. This is not just a job for me but the beginning to a career. They encourage growth and advancement. In addition, they take care of their employees by offering great benefits, in terms of health insurance, 401k and PTO. They have recognized all my hard work and have been very generous when compensation.


    There are no real cons,everything you need to know about the job is said up front.

    Advice to Management

    Management, Ishan and Claudia are great role models and mentors; also the AVP Walt of the department takes his time to acknowledge everyone for their hard work. If I would have heard of this place earlier, I would have applied straight out of college. I am honored to say I work for such a diverse and trustworthy company.

See All 31 Reviews

Provident Credit Union Photos

Provident Credit Union photo of: Corporate office
Provident Credit Union photo of: Our Call Center
Provident Credit Union photo of: Join us at community events
Provident Credit Union photo of: NBC Bay Area anchor Fallon Smith, All Star Teacher finalist Alia Gabra and Provident Credit Union Representative
Provident Credit Union photo of: Sponsoring the Kainos Golf Tournament
Provident Credit Union photo of: Sunday Streets
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Provident Credit Union Interviews



Getting an Interview

Getting an Interview





    PHP Developer Interview

    Anonymous Interview Candidate in San Jose, CA
    No Offer
    Positive Experience
    Average Interview


    I applied online. I interviewed at Provident Credit Union (San Jose, CA) in March 2017.


    I submitted my application through taleo and was sent an email confirmation by Ramirez and Smith requesting that I give them my availability for a phone interview. Later in the week Baldovino conducted my phone interview.

    Interview Questions

See All 5 Interviews

Provident Credit Union Awards & Accolades

  • Top Workplaces, Bay Area News Group, 2017
  • Top 11 Best Credit Unions in California, AdvisoryHQ, 2017
  • Top 100 Small Call Centers, BenchmarkPortal, 2016
  • 5-Star Superior Rating, BauerFinancial, Inc., 2015
  • A+ Rating, BBB, 2015
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