Bridging the gap between getting the things you need and your cash-in-hand can be done in a smart manner. How smart? Consider a Patelco credit card, which allows you to shop without worry because you know exactly what to expect.

• NO annual fee
• NO minimum finance charge
• NO over-limit fee
• NO penalty rate for late payments
• Same low rate for cash advances, purchases, and balance transfers

You can easily access your account and receive your statements through PC-24 Online Banking. Plus, you can use Patelco's credit cards as a secondary source of overdraft protection * for added peace of mind.

With our entry level Visa Classic, our powerful Visa Gold, or our Platinum Rebate MasterCard that pays you, you can shop with confidence knowing that you can buy more and do more.

* Cash advance fee applies. See page 26 of the member handbook.