Better rates, more savings and all about YOU.

As a member-owned, not-for-profit organization, our people before profits belief is deeply rooted in our purpose driven philosophy. It’s this higher standard that drives us to make a difference in people’s lives as every product and service is developed for the financial well-being of our members, not our bottom line.

Guided by our mission to help improve our members’ financial health, joining Patelco means you’ll find significantly better rates, lower fees and best-in-class products. That’s because everything we offer is designed to help our members get to where they want to go. Through good times and bad, we’ll have your back. That’s what keeps us motivated and inspired. It’s not only our job, it’s our purpose.

Our community

With 37 branches and over 400,000 members, we’ve proudly served the Bay Area for over 80 years.

Join us

Membership is free and it’s easy to join. We’re always looking out for your financial well-being and are in this together. Join today.

What are your dreams and goals?

We're ready to help!

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Lower my debt

How much debt do you currently have? A little . . . or a lot? We have product solutions that can help strengthen your credit as well as educational resources to make positive changes more sustainable.

Learn More

Why Patelco members trust us to be their financial partner

1 APY (Annual Percentage Yield) as of 10/01/2022. The 3.60% APY 18-Month special offer is subject to end at any time without notice. Terms and conditions may vary by account. The minimum balance for all certificates is $250. Maximum balance is $500,000. There is a penalty for early withdrawal for all certificates. Please see the Certificate Accounts section in the Patelco Member Handbook for details.