Provident Federal Credit Union

Headquarters

401 S New Street
Dover, DE 19904
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ACH 231176596

Notable Rates APY Vs.Others
Savings N.A. 4.35% →
1-Year CD N.A. 4.59% →
2-Year CD N.A. 4.50% →
5-Year CD N.A. 4.55% →
30-Year Mortgage N.A. 4.91% →
15-Year Mortgage N.A. 4.39% →
HELOC N.A. 0.99% →

2026 Overview

General Credit Union Information

Provident is an NCUA insured institution located in Dover, DE. It was founded in 1964 and has approximately $11.99 millions in assets.

NCUA Insured Yes / Federally Chartered
Charter Number # # 16364
Date Established 1964
Assets $11.99 million
Loans $5.06 million
Deposits $10.34 million
Capital $1.65 million
 

Deposit Rates - September 30, 2026

Your Current Location: New York, NY 10116

We do not yet have rates for Provident

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Loan Rates - September 30, 2026

Your Current Location: New York, NY 10116

There are currently no loan rates available for Provident

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:



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Featured - New York Home Equity Line Of Credit Rates 2026

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Branches

Below are Provident branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
New York City,New York


Provident Locations around zip code 10116


BranchDistance Map View Lobby Hours

Main Branch

134.47 A View Lobby Hours

Plant office

135.53 B View Lobby Hours


Climate Policy and Initiatives

PROVIDENT is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.


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Financial Details

Provident Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Provident. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
Provident U.S. Average
4.09% 6.78

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of December 31, 2025, Provident had $70,391 in non-current loans and $0 in owned assets. To cover these potential losses it had $1,645,296 in net worth and $73,826 in loans loss reserves. That gives it a Texas Ratio of 4.09%.

Net Worth
Provident U.S. Average
13.72% 14.48%

Provident FCU has a net worth of 13.72% versus the BestCashCow average of 14.48. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.



Customer Reviews for Provident

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