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Provident Savings Bank, F.S.B.

Popular Accounts at this Bank

1.20%5-year CD55 Month Special CD
0.20%1-year CD1 Year CD
0.05%SavingsBasic Savings

Overview / Commentary
6570 Magnolia Ave
Riverside, CA 92506

Provident Savings Bank, F.S.B. is headquartered in Riverside and is the 53rd largest bank in the state of California. It is also the 635th largest bank in the nation. It was established in 1956 and as of June of 2017, it had grown to 464 employees at 14 locations. Provident Savings Bank, F.S.B. has a B+ health rating.

Reviews (3)

Afraid Of Growth

Posted by: letgrow | Oct 11, 2013

Provident is forgetting about community development; seems afraid of its shadow; this is the time for growth but it is afraid to even take two steps forward. California is on the leading edge of leading the nation in economic growth, but Provident unfortunately does not see it. It is becoming too cautious, too reactionary. Losing its vision. It is forgetting its grassroots beginning.

BAD Customer Service, Non Disclosure Of High Fees

Posted by: lisaskyf | May 23, 2016

We recently closed out our IRA CDS that we had at this institution and had an terrible experience. When we went to the branch to close them out, we were told that "it would be better if they sent the funds electronically" from institution to institution. And that this would take only a couple of days. Long story short it took two and a half weeks for them to send the money to the new credit union. Numerous phone calls on a daily basis from us and the new credit union were given nothing but the runaround by Provident. Finally some manager informed us that they do NOT electronically send the funds but instead MAILED a check to the credit union, mind you this amount was well into six figures and we were very worried about our money floating around the U.S. Postal system! Imagine our complete disgust when we found out that Provident not only lied to us about how they transferred the funds but then Serviced charged us 100 dollar transfer fee and 40 dollar maintenence fee that was never disclosed to us! You would be wise to not do business with this bank. Save yourself the time and ridiculous service charges they will stick you with, all while they are lying to your face. If we could have given this bank 0 stars we would have!!

Poor Customer Service And Communication

Provident bank is lacking in customer service and has poor communication . When we signed up for a savings account, we were never given any brochures describing the rules governing the account. The only information that we were able to receive was from the Internet, which lacked the fine details. Our account was abruptly closed, without any warning, any communication, or any notice. If Provident Bank expects their customers to follow the rules, they need to share them before the game is played.


Health Grade Components

FDIC Certificate #30879
Year Established1956
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD0.4%
Return on Equity - YTD4.09%
Annual Interest Income$21.4MM
Assets and Liabilities
AssetsQ2 2017vs Q2 2016$1.20B$1.17B
LoansQ2 2017vs Q2 2016$1.02B$1.03B
DepositsQ2 2017vs Q2 2016$942.9MM$943.2MM
Equity CapitalQ2 2017vs Q2 2016$117.8MM$120.6MM
Loan Loss AllowanceQ2 2017vs Q2 2016$8.0MM$8.7MM
Unbacked Noncurrent LoansQ2 2017vs Q2 2016$8.3MM$11.2MM
Real Estate OwnedQ2 2017vs Q2 2016$1.6MM$2.7MM
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Provident Savings Bank, F.S.B. Savings Account Rates

1.00%--Young Investors of Provident
0.15%*$50k*-Savings Plus
OTHER TIERS: 0.03% $10k - $25k | 0.10% $25k - $50k
0.05%--Basic Savings
0.05%--Business Savings Account

Provident Savings Bank, F.S.B. Money Market Rates

0.20%*$50k*-Money Market Plus
OTHER TIERS: 0.03% $2,500 - $10k | 0.05% $10k - $25k | 0.15% $25k - $50k

Provident Savings Bank, F.S.B. Checking Account Rates

0.30%*$100k*-Corporate Interest Checking
OTHER TIERS: 0.10% $25k - $50k | 0.20% $50k - $100k
0.25%*$50k*-Business Cash Management
OTHER TIERS: 0.10% $2,500 - $10k | 0.15% $10k - $25k | 0.20% $25k - $50k
0.20%--Community Advantage Checking
0.10%*$25k*-Gold Advantage
OTHER TIERS: 0.05% $10k - $25k
0.10%*$25k*-Asset Management Account
OTHER TIERS: 0.05% $10k - $25k
0.03%$2,500-Value Plus
0.03%$2k-Business Interest Checking

Provident Savings Bank, F.S.B. CD Rates

1.55%*$25k*-7 Year CD
OTHER TIERS: 1.25% $1k - $10k | 1.40% $10k - $25k
1.50%*$25k*-5 Year CD Plus Special
OTHER TIERS: 1.30% $1k - $10k | 1.40% $10k - $25k
1.40%*$25k*-6 Year CD
OTHER TIERS: 1.10% $1k - $10k | 1.25% $10k - $25k
1.30%*$25k*-4 Year CD Plus Special
OTHER TIERS: 1.20% $1k - $10k | 1.25% $10k - $25k
1.25%*$25k*-5 Year CD
OTHER TIERS: 1.05% $1k - $10k | 1.15% $10k - $25k
1.20%*$25k*-55 Month Special CD
OTHER TIERS: 1.00% $1k - $10k | 1.10% $10k - $25k
1.05%*$25k*-4 Year CD
OTHER TIERS: 0.95% $1k - $10k | 1.00% $10k - $25k
1.00%*$25k*-3 Year CD Plus Special
OTHER TIERS: 0.90% $1k - $10k | 0.95% $10k - $25k
0.75%*$25k*-3 Year CD
OTHER TIERS: 0.65% $1k - $10k | 0.70% $10k - $25k
0.70%*$25k*-2 Year CD Plus Special
OTHER TIERS: 0.60% $1k - $10k | 0.65% $10k - $25k
0.55%*$25k*-23 Month Special CD
OTHER TIERS: 0.35% $1k - $10k | 0.45% $10k - $25k
0.45%*$25k*-2 Year CD
OTHER TIERS: 0.35% $1k - $10k | 0.40% $10k - $25k
0.45%*$25k*-1 Year CD Plus Special
OTHER TIERS: 0.35% $1k - $10k | 0.40% $10k - $25k
0.20%*$25k*-1 Year CD
OTHER TIERS: 0.10% $1k - $10k | 0.15% $10k - $25k
0.15%*$50k*-3 Month CD
OTHER TIERS: 0.05% $1k - $25k | 0.10% $25k - $50k
0.15%*$25k*-6 Month CD
OTHER TIERS: 0.05% $1k - $10k | 0.10% $10k - $25k