Provident Federal Credit Union

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A short history of Provident FCU

Since its inception in 1964 the Provident Federal Credit Union has been serving its members in the Dover, Delaware area with exceptional financial products. You can find their current interest rates on used car loans, new car loans, 1st mortgage loans and interest rates on both fixed and adjustable mortgages here on these pages. Currently led by Francine Wilson, the Provident FCU has grown its membership to over 1,483 with assets of more than $10,197,129. They have a main office and 1 branch offices. Please see the credit unions website or contact them by phone at (302) 734-1133 or email them at to get exact details . There are many other credit unions in the local area. See them all here. Credit Unions in Dover, DE.

General Information For Provident FCU was taken from their 6/30/2017 quarterly report, which is the most current available public information.

Charter Number 16364
Address 401 S New Street 
City Dover 
State Delaware 
Zip-Code 19904
Phone Number (302) 734-1133
Fax Number (302) 734-2683
Email Address:
CEO/President Francine Wilson
Members 1,483 
Full-Time Employees
Part-Time Employees
Number of Branch Offices
Total Assets 10,197,129 

Compare Provident Federal Credit Union To Other Local Credit Unions

Credit Union Name
Branch Name
Zip Code
Phone Number
ATM Access
Distance (Miles)
Del-one CU Seaford 24488 Sussex Hwy Ste 1 19973 (302) 629-7852 No 3.34
Dover CU New Castle 499 Pulaski Hwy 19720 (302) 678-8000 No 4.09
Milford Memorial CU Milford Memorial FCU 21 W Clarke Ave Ste 312 19963 (302) 430-5592 No 19.65
Carco CU CARCO 114 MARKET ST STE 208 21629 (410) 479-5200 No 22.28
Choptank Electric Coop Employ CU Choptank Electric Coop. Emp 10384 River Rd 21629 (410) 479-8667 No 22.33

Provident Federal Credit Union Financial Performance Charts

Performance Charts

Website Image

Financial Data

Provident Federal Credit Union Lowest Loan Rates With State and USA Rankings

Unsecured Credit Card New Car Loans Used Car Loans 1st Mortgage Loans Other Real Estate
Rate 12.50 3.37 5.78 8.47 6.49
Mean Rate For All USA Based Credit Unions 10.56 3.72 5.00 4.48 4.95
Rank Among All USA Credit Unions 434 193 419 477 390
Rank Among All Delaware Credit Unions 10 5 12 11 10

Provident Federal Credit Union Highest Deposit Rates With State and USA Rankings

Checking Regular Savings Money Market Certificates of Deposits IRA/KEOGH
Rate N/A 0.05 N/A 0.60 0.70
Mean Rate For All USA Based Credit Unions 0.19 0.26 0.29 0.73 0.66
Rank Among All USA Credit Unions N/A 143 N/A 240 199
Rank Among All Delaware Credit Unions N/A 7 N/A 8 6
Provident Federal Credit Union Loans and Leases

Interest Rate Number of Loans Amount
Unsecured Credit Card Loans 12.500275480,521
All Other Unsecured Loans/Lines of Credit 13.5509241,808,676
Short-Term, Small Amount Loans (STS) (Federal CU Only) 18.0008125,127
Non-Federally Guaranteed Student Loans 0.00000
New Vehicle Loans 3.370931,558,563
Used Vehicle Loans 5.78097946,825
Total 1st Mortgage Real Estate Loans/Lines of Credit 8.47010193,843
Total Other Real Estate Loans/Lines of Credit 6.49011129,523
Leases Receivable 0.00000
Total All Other Loans/Lines of Credit 6.50020157,948
TOTAL LOANS & LEASES 1,5115,301,026

Provident Federal Credit Union Real Estate Loans and Lines of Credit


No. of Loans Outstanding Amt of Loans Outstanding No. of Loans Granted Year- to-Date Amount Granted Year-To-Date
Fixed Rate
    a. > 15 years 7169,65300
    b. 15 Years or less 0000
    a. > 15 years 0000
    b. 15 Years or less 0000
Other Fixed Rate 0000
Adjustable Rate 1 yr or less 0000
Adjustable Rate > 1 yr 324,19000


Closed-End Fixed Rate 11129,52300
Closed-End Adjustable Rate 0000
Open-End Adjustable Rate 0000
Open-End Fixed Rate 0000
TOTALS 21323,36600


Interest Only & Payment Option 1st Mortgage Loans 000
Interest Only & Payment Option Other RE/LOC Loans 000
    a. Federally Insured Home Equity Conversion Mortgage (HECM) 0000
    b. Proprietary Reverse Mortgage Products 0000

Provident Federal Credit Union Member Offerings
First Time Homebuyer Program No
Real Estate Loans Yes
Pay Day Lending Yes
Share Secured Credit Cards Yes
Overdraft Protection/Courtesy Pay No
Overdraft Lines of Credit Yes
ATM/Debit Card Program Yes
Interest Only and Payment Option 1st Mortgage Loans No
Check Cashing Yes
Money Orders Yes
No Surcharge ATMs No
Home Banking Via Internet Website Yes