Contact Us

By phone, email, or in–person we are available to assist
you with any questions you might have.

For general questions call 800.358.8228

Member Contact Center hours:
Mon – Fri 7:30 AM – 7PM PST
Sat 9AM – 2PM PST

Send Us a Secure Message

Patelco offers you the ability to send us secure emails. Simply complete the form below and we’ll respond by email within three business days.

If you need a more immediate response, please call our Member Contact Center at 800.358.8228 during the following times: Monday – Friday 7:30AM – 7PM PST and Saturday 9AM – 2PM PST.

Important Security Reminder:

For your protection, if you are sending us an email through third party email software (e.g., Yahoo, Gmail, Outlook), please do not include confidential information such as account numbers, passwords, logins or Social Security numbers.

Required fields are indicated by a *

 General (eg. question about products or services)
 Support (eg. online banking, mobile banking)
 Website (eg. broken link/bug, wrong information)

In order to ensure that we focus on you and your in-person experience when you visit one of our branches, we do not publish individual branch phone numbers on our website. Our call center representatives are equipped to assist you with any issue regarding your account or the credit union.

For general, product, service and loan related questions please call us at: 800.358.8228, or contact us using one of the methods below:

Automated Telephone & Text Message Banking

Check your balance, get loan and payment information, transfer funds and much more! Call: 888.766.2424.

Once you active Text Message Banking, through Online Banking, you can simply text a command to "24341" and we’ll text you back with the information you requested.

Text Message Banking: Text 24341

View and print a list of commands (PDF*)

*Adobe Acrobat Reader is required. Get it free at

Debit and Credit Cards

To activate a new credit or debit card. 800.862.0760

To report a lost or stolen credit and/or debit card, or to inquire into credit and/or debit card transactions. 800.358.8228 – (extension 1301)

To dispute credit and/or debit card transactions or to report a fraudulent charge on your credit or debit card. 800.358.8228 (extension 1305)

Apply for a credit card online

Consumer and Vehicle Loans

To apply for, or inquire about your consumer and/or auto loan. Mon – Fri: 7:30AM – 7:00PM PST & Saturday 9:00AM – 2:00PM PST. 800.358.8228

To apply for, or inquire about, your consumer and/or auto loan. (After Hours) 888.565.7922

Free Auto Buying Service: 800.757.2706 Learn more about the Auto Buying Service >

Credit Union Direct Lending (CUDL) and AutoSMART Tools Learn more about CUDL and AutoSMART >

Apply for an auto loan online

Home Loans

To apply for a Home Loan and reach our sales department, please contact us at 800.358.8228 extension 1202. (Mon – Fri: 8:00AM – 5:00PM PST)

For existing Home Loans and servicing, please contact us at 800.358.8228 extension 1203. (Mon – Fri: 8:00AM – 5:00PM PST)

Talk to a Home Loan Consultant >

Learn more about Home Loans

Investments and Insurance

Locate a Financial Advisor, or inquire about your existing investment account or our insurance products. 800.358.8228 (extension 3850)

Talk to a Financial Advisor >

Learn more about Investments and Insurance services

Traveling Abroad

If you are traveling abroad and need to get a hold of us, you may use our local number at: 925.468.6300. Please note: You may incur calling charges from your carrier when calling our local number from a foreign country.

Traveling Abroad: Credit/Debit Card Fraud Protection

If you are planning to travel abroad, please call 800.358.8228 prior to your trip to learn about alternate forms of payment, or to authenticate your ATM card for use in the countries in which you will be traveling. We will need to know which card/s you will be taking with you, dates of travel and what countries you plan to visit. Occasionally, transactions may be blocked in a specific country due a high concentration of fraud activity. Please contact Card Services to get additional details related to blocked countries.

Enter your Question


  • What are your rates?
  • What is a “Commitment Household Member”?
  • What do I do if I have lost my card?

How to Ask Patelco a Question

Use our “Ask a Question” feature to ask a question. If the “Ask a Question” feature is unable to provide you with a satisfactory answer, you can submit your question and receive an answer within 24 hours, if not sooner. Note: Please do not submit personal account information via the “Ask a Question” feature. For account or transaction related inquires, send us a secure email, stop by your local branch or give us a call at: 800.358.8228.


Deposits, Loan, Credit Card Payments can be mailed to the following secure P.O. Box:

Patelco Credit Union
P.O. Box 2227
Merced, CA 95344

Individual Retirement and new Health Savings Account Forms can be mailed to the following secure P.O. Box:

Patelco Credit Union
P.O. Box 8020
Pleasanton, CA 94588

Existing Health Savings Account Forms can be mailed to the following secure P.O. Box:

Patelco Credit Union
P.O. Box 2227
Merced, CA 95344