Rates

Checking & Savings Rates

Rates Effective 4/18/2014

Interest Checking Learn More > Open Now >

Term Min Balance APY1 Rate Dividends Paid
None $0.00 0.05% 0.05% Monthly
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Premier Interest Checking2 Learn More > Open Now >

Term Min Balance APY1 Rate Dividends Paid
None $0.00 0.05% 0.05% Monthly
None $5,000.00 0.10% 0.10% Monthly
None $10,000.00 0.10% 0.10% Monthly
None $25,000.00 0.10% 0.10% Monthly
None $50,000.00 0.10% 0.10% Monthly
None $100,000.00 0.10% 0.10% Monthly
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Savings Learn More > Open Now >

Term Min Balance APY1 Rate Dividends Paid
None $0.00 0.05% 0.05% Monthly
None $5,000.00 0.05% 0.05% Monthly
None $10,000.00 0.05% 0.05% Monthly
None $20,000.00 0.05% 0.05% Monthly
None $50,000.00 0.10% 0.10% Monthly
None $100,000.00 0.15% 0.15% Monthly
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Health Savings Accounts Learn More > Open Now >

Term Min Balance APY1 Rate Dividends Paid
None $0.00 0.05% 0.05% Monthly
None $2,000.01 0.10% 0.10% Monthly
None $3,500.01 0.25% 0.25% Monthly
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Holiday Club To open Login to Online Banking >, or call 800.358.8228, or Visit a Branch >

Term Min Balance APY1 Rate Dividends Paid
None $20.00 0.05% 0.05% At Maturity
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Insured Variable Money Fund3 Learn More > To open call 800.358.8228 or Visit a branch >

Term Min Balance APY1 Rate Dividends Paid
None $10,000.00 0.01% 0.01% Monthly
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Money Market Account4 Learn More > Open Now >

Term Min Balance APY1 Rate Dividends Paid
None $1,000.00 0.06% 0.06% Monthly
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Money Market IRA4 Learn More > Open Now >

Term Min Balance APY1 Rate Dividends Paid
None $250.00 0.06% 0.06% Monthly
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Money Market Plus and Money Market Plus IRA5 Learn More > Open Now >

Term Min Balance APY1 Rate Dividends Paid
None $25,000.00 0.15% 0.15% Monthly
None $50,000.00 0.20% 0.20% Monthly
None $100,000.00 0.20% 0.20% Monthly
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Treasury Income Account & Treasury IRA6 Learn More > Open Now >

Term Min Balance APY1 Rate Dividends Paid
None $25,000.00 0.67% 0.67% Quarterly
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  1. APY=Annual Percentage Yield.
  2. Effective February 4, 2008 the minimum balance to earn the premier interest checking rate is $5,000. If your balance falls below $5,000, your account balance will earn the same rate as our Interest Checking Account for that day. For current checking account rates and APYs, please see the current Initial Account Disclosure, available at our branches and on our web site. Average daily balances below $5,000 are subject to a $10 monthly fee (see the Fee Schedule). For other terms and conditions of the Premier Checking Account, please refer to the Member Handbook.
  3. Funds deposited to this account must come from a financial institution other than Patelco. Rate based on the weekly reported "All Taxable Money Fund Average" based on the "iMoneyNet Inc." as quoted in the USA Today™ on Wednesdays and the Wall Street Journal™ on Thursdays.
  4. Balances below $1,000 will not earn interest. Minimum balance for the Money Market IRA is $250.
  5. Balances below $25,000 will not earn interest. Rates automatically adjust between tiers.
  6. Minimum balance for the Treasury IRA is $500.

Certificate Rates

Rates Effective 4/18/2014

Lock in a Great Rate with a Patelco Thank You Certificate. Let us reward you!
To reward you for your membership and contributions to the continued success of Patelco, our Thank You Certificate is available to members who were with Patelco as of December 31, 2013. This certificate offers a higher Patelco rate based on the years you have been a member, with a rate as high as 1.21% APY4.

Thank You Certificate4  (24-35 Month Term - $1,000 Minimum Deposit) Learn More >

Term Bonus APY4 Rate
Up to 10-year membership Includes a .25% Bonus 0.70% 0.70% Open Now >
10-year up to 20-year membership Includes a .50% Bonus 0.95% 0.95% Open Now >
20+ year membership Includes a .75% Bonus 1.21% 1.20% Open Now >

New Member Certificate2 Learn More > Open Now >

Term Min Balance APY1 Rate Dividends Paid
12-Month*** $1,000.00 5.00% 4.89% Monthly
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Certificates3 Learn More > Open Now >

Term Min Balance APY1 Rate Dividends Paid
3 - 5 Months $1,000.00 0.10% 0.10% At Maturity
6 - 11 Months $1,000.00 0.20% 0.20% At Maturity
12 - 23 Months $1,000.00 0.30% 0.30% Monthly
24 - 35 Months $1,000.00 0.45% 0.45% Monthly
36 - 47 Months $1,000.00 0.70% 0.70% Monthly
48 - 59 Months $1,000.00 1.06% 1.05% Monthly
60 Months $1,000.00 1.50% 1.49% Monthly
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IRA Certificates2 Learn More > Open Now >

Term Min Balance APY1 Rate Dividends Paid
3 - 5 Months $500.00 0.10% 0.10% At Maturity
6 - 11 Months $500.00 0.20% 0.20% At Maturity
12 - 23 Months $500.00 0.30% 0.30% Monthly
24 - 35 Months $500.00 0.45% 0.45% Monthly
36 - 47 Months $500.00 0.70% 0.70% Monthly
48 - 59 Months $500.00 1.06% 1.05% Monthly
60 Months $500.00 1.50% 1.49% Monthly
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NOTE: There is a penalty for early withdrawal for all Certificates. Please see the Certificate Accounts section in the Patelco Member Handbook (PDF).

  1. APY=Annual Percentage Yield.
  2. (***) The Dividend Rates and Annual Percentage Yield are effective as of October 2, 2009, and are subject to change at any time. Minimum deposit $1,000, maximum deposit $1,000. Rate is 4.89%. Term is 12 months. At maturity the certificate will renew at Patelco’s current yield for a regular 12-23 month share certificate. Penalty for early withdrawal. Available for a limited time. Funds deposited to this account must come from an institution other than Patelco. Account available to new members only-must open a new membership. Account must be opened within 10 days of your established membership. One certificate per member.
  3. All regular certificates can be opened as IRA certificates, unless otherwise noted. Minimum balance for all IRA certificates is $500
  4. APY = Annual Percentage Yield. Quoted rates accurate as of 3/28/2014, subject to change without notice. Maximum deposit is $250,000. Minimum term is 24 months. Maximum term is 35 months. Bump rate option allows certificate holder to increase the dividend rate once during the term to the rate Patelco is paying at the time of the bump request on certificates of like terms. Federally insured by NCUA. Limited time offer. Offer can be withdrawn at any time. Penalties may apply for early withdrawal. Member must be a member as of 12/31/2013 to open the account.

Loan & Credit Card Rates

Rates Effective 03/01/2014

Vehicle Loans Learn More > Open Now >

Type Rate Type Minimum Amount APR1 as low as…
New Auto & Auto Equity
Up to 125% financing
Up to 60 months None 1.99%
61 to 72 months $10,000 For 72 Month Term 1.99%
73 to 84 months $20,000 For 84 Month Term 2.99%
Used Auto & Auto Equity
(2006 or newer)
Up to 125% of Blue Book
Up to 60 months None 1.99%
61 to 72 months $10,000 For 72 Month Term 1.99%
73 to 84 months $20,000 For 84 Month Term 2.99%
Older Used Auto
(2003-2005)
Up to 125% of Blue Book
Up to 60 months None 4.99%
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Boats, Motor Homes, Travel Trailers Learn More > Open Now >

Type Rate Type Minimum Amount APR2 as low as…
      Regular Commitment3
Boat, Motor Home, and Travel Trailer Loans
New & Used (2008 or newer)
60 months Up to $14,999 10.00% 9.90%
72 months $15,000 - $24,999 10.00% 9.90%
73-120 months $25,000+ 10.00% 9.90%
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Motorcycle Loans Learn More > Open Now >

Type Rate Type Minimum Amount APR2 as low as…
      Regular Commitment3
Motorcycle
New & Used
(2008 or newer)
Up to 60 months Up to 100% of purchase
price/retail value
10.00% 9.90%
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Credit Cards Learn More > View the Credit Card Rate Disclosure >

Type Apply Online Amount Rate Type Range of APR4
Visa Platinum Apply Now > $300 - $25,000 Variable 8.15% to 12.15%
Visa Gold Apply Now > $5,000 - $25,000 Variable 9.15% to 13.15%
Visa Classic Apply Now > $300 - $5,000 Variable 13.15% to 16.15%
Secured Visa Apply Now > $300 - $3,000 Variable 15.15%
Student Starter Visa Apply Now > $300 - $1,000 Variable 13.15% to 16.15%
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Secured Loans Learn More > Open Now >

Type Rate Type Maximum Amount APR2 as low as…
      Regular Commitment3
Certificate-Secured

Apply Now >
Due upon maturity

Learn More >
Equal to certificate Equal to the rate you are receiving on the certificate pledged as security at the time the loan is obtained, plus 2.25%
Savings-Secured

Apply Now >
Up to 120 months

Learn More >
Equal to savings 5.10% 5.00%
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Other Loans Learn More > Open Now >

Type Rate Type Amount Range of APR5
Computer

Apply Now >

Learn More >
Up to 24 months Up to $2,500 8.80% to 8.90%
24-60 months Over $2,500 13.80% to 13.90%
Debt Consolidation

Apply Now >

Learn More >
Up to 60 months Up to $25,000 10.90% to 15.00%
Signature Loan

Apply Now >

Learn More >
Up to 60 months Up to $25,000 9.90% to 14.00%
Signature
Line of Credit


Apply Now >

Learn More >
Open-ended Up to $25,000 9.90% to 14.00%
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  1. APR (Annual Percentage Rate). Auto rates as low as 1.99% APR (floor rate) effective 4/22/2014 require Automatic Transfer Payments, otherwise rate is .50% (50 basis points) higher; subject to change without notice. Patelco offers a range of base rates and discounts that depend on factors such as credit history, loan term, purchase channel, Patelco account and loan balances, program designation, vehicle age, and payment type. Actual rates are disclosed to approved applicants in writing prior to loan consummation and may be as high as 12.99% APR. Regardless of discount qualifications, no approved applicant’s rate will be lower than the then-current floor rate. To learn more about rates, terms and available discounts, call 800.358.8228, visit patelco.org, or visit any Patelco branch. Loan payment example: $14.75 per month for each $1,000 borrowed at 1.99% APR for 72 months.
  2. Annual Percentage Rate.
  3. Commitment Household members qualify for .10% (10 Basis Points) discount from the regular rate on consumer loans except credit cards and mortgage loans. Learn more about becoming a Commitment Household member.
  4. Annual Percentage Rate for purchases and balance transfers.
  5. APR (Annual Percentage Rate). Loan rates offered effective 03/01/2014 and are subject to credit approval. APRs range based on factors including credit type, Commitment Household/account relationship and applicant credit worthiness/score. Loan terms are based on various factors, including the amount financed. Actual rates are disclosed to approved applicants in writing prior to loan consummation. Offered rates subject to change. For more information, visit any Patelco branch, our website at www.patelco.org or call 800.358.8228

    Loan payment examples:
    Signature Loan: $21.20 per month per $1,000 borrowed at 9.90% APR for 60 months
    Debt Consolidation Loan: $21.70 per month per $1,000 borrowed at 10.90% APR for 60 months
    Computer Loan: $45.60 per month per $1,000 borrowed at 8.80% APR for 24 months

Mortgage & Home Loan Rates

CU Members Mortgage Partnership Rate Tracker

In partnership with CU Members Mortgage, we are now offering mortgage loans for FHA (Federal Housing Administration) Loans, VA (Veteran Affairs) Loans and loans for properties outside of California. Click on the links below to learn more and view rates.

For California properties only: Interested in tracking a specific rate for any Home Loan product?

Use our quick and easy Rate Tracker*!

*Rates are subject to change without notice. This is not a commitment to lend or a loan approval of any kind. Rate Tracker is available in CA only.

Rates Effective 04/23/2014 – California Properties Only.

Conforming Fixed Rate Loans from $50,000.00 to $417,000.00 Learn More > Apply Now >

Loan Program Rate Points APR1
30-Year Fixed Rate 4.125% 1.000 4.286%
30-Year Fixed Rate 4.250% 0.500 4.370%
30-Year Fixed Rate 4.375% 0.000 4.454%
20-Year Fixed Rate 3.875% 1.000 4.093%
20-Year Fixed Rate 4.000% 0.500 4.162%
20-Year Fixed Rate 4.125% 0.000 4.230%
15-Year Fixed Rate 3.125% 1.000 3.390%
15-Year Fixed Rate 3.250% 0.500 3.444%
15-Year Fixed Rate 3.375% 0.000 3.497%
10-Year Fixed Rate 2.875% 1.000 3.255%
10-Year Fixed Rate 3.000% 0.500 3.276%
10-Year Fixed Rate 3.125% 0.000 3.298%
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High-Balance Fixed Rate Loans from $417,000.00 up to $625,500.00 Learn More > Apply Now >

Loan Program Rate Points APR1
High-Balance 30-Year Fixed Rate 4.250% 1.000 4.397%
High-Balance 30-Year Fixed Rate 4.375% 0.500 4.481%
High-Balance 30-Year Fixed Rate 4.500% 0.000 4.564%
High-Balance 15-Year Fixed Rate 3.375% 1.000 3.618%
High-Balance 15-Year Fixed Rate 3.500% 0.500 3.671%
High-Balance 15-Year Fixed Rate 3.625% 0.000 3.724%
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Jumbo Fixed Rate Loans from $417,000.01 - $2,000,000.00 Learn More > Apply Now >

Loan Program Rate Points APR1
30-Year Fixed Rate Jumbo 3.875% 1.000 4.008%
30-Year Fixed Rate Jumbo 4.000% 0.500 4.093%
30-Year Fixed Rate Jumbo 4.125% 0.000 4.177%
15-Year Fixed Rate Jumbo 3.250% 1.000 3.476%
15-Year Fixed Rate Jumbo 3.375% 0.500 3.530%
15-Year Fixed Rate Jumbo 3.500% 0.000 3.583%
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Conforming Adjustable Rate Loans from $50,000.00 - $417,000.00 Learn More > Apply Now >

Loan Program Rate Points APR1
3/1 30-Year Adjustable Rate 2.500% 1.000 3.030%
3/1 30-Year Adjustable Rate 2.625% 0.500 3.019%
3/1 30-Year Adjustable Rate 2.750% 0.000 3.007%
5/1 30-Year Adjustable Rate 2.500% 1.000 2.967%
5/1 30-Year Adjustable Rate 2.625% 0.500 2.971%
5/1 30-Year Adjustable Rate 2.750% 0.000 2.851%
5/5 30-Year Adjustable Rate 2.750% 1.000 3.256%
5/5 30-Year Adjustable Rate 2.875% 0.500 3.260%
5/5 30-Year Adjustable Rate 3.000% 0.000 3.265%
7/1 30-Year Adjustable Rate 2.750% 1.000 3.026%
7/1 30-Year Adjustable Rate 2.875% 0.500 3.045%
7/1 30-Year Adjustable Rate 3.000% 0.000 3.063%
10/1 30-Year Adjustable Rate 3.375% 1.000 3.377%
10/1 30-Year Adjustable Rate 3.500% 0.500 3.414%
10/1 30-Year Adjustable Rate 3.625% 0.000 3.452%
High-Balance 5/1 30-Year Adjustable Rate 2.500% 1.000 2.967%
High-Balance 5/1 30-Year Adjustable Rate 2.625% 0.500 2.971%
High-Balance 5/1 30-Year Adjustable Rate 2.750% 0.000 2.976%
High-Balance 7/1 30-Year Adjustable Rate 2.750% 1.000 3.026%
High-Balance 7/1 30-Year Adjustable Rate 2.875% 0.500 3.045%
High-Balance 7/1 30-Year Adjustable Rate 3.000% 0.000 3.063%
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Jumbo Adjustable Rate Loans from $417,000.01 - $2,000,000.00 Learn More > Apply Now >

Loan Program Rate Points APR1
7/1 30-Year Jumbo Adjustable Rate 2.875% 1.000 3.062%
7/1 30-Year Jumbo Adjustable Rate 3.000% 0.500 3.081%
7/1 30-Year Jumbo Adjustable Rate 3.125% 0.000 3.100%
10/1 30-Year Jumbo Adjustable Rate 3.375% 1.000 3.354%
7/1 30-Year Jumbo Adjustable Rate 3.500% 0.500 3.391%
10/1 30-Year Jumbo Adjustable Rate 3.625% 0.000 3.429%
5/1 30-Year Jumbo Adjustable Rate 2.625% 1.000 2.988%
5/1 30-Year Jumbo Adjustable Rate 2.750% 0.500 2.993%
5/1 30-Year Jumbo Adjustable Rate 2.875% 0.000 2.997%
5/5 30-Year Jumbo Adjustable Rate 2.875% 1.000 3.300%
5/5 30-Year Jumbo Adjustable Rate 3.000% 0.500 3.305%
5/5 30-Year Jumbo Adjustable Rate 3.125% 0.000 3.309%
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Interest Only Equity Line of Credit Variable rate, open-ended loan Learn More > Apply Now >

Amount Loan-to-Value Rate/APR1
$5,000-$250,000.00 Up to 89% 3.74% to 5.49%
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Home Equity Loans Fixed rate, fixed term Learn More > Apply Now >

Term Amount Loan-to-Value Rate APR1
7 years $5,000 - $250,000.00 Up to 70% LTV 6.000% 6.238%
7 years $5,000 - $250,000.00 Up to 80% LTV 6.250% 6.496%
7 years $5,000 - $250,000.00 Up to 89% LTV 8.000% 8.298%
10 years $5,000-$250,000.00 To 70% LTV 6.500% 6.684%
10 years $5,000-$250,000.00 To 80% LTV 6.750% 6.940%
10 years $5,000-$250,000.00 To 89% LTV 8.500% 8.731%
15 years $5,000-$250,000.00 To 70% LTV 6.500% 6.631%
15 years $5,000-$250,000.00 To 80% LTV 6.750% 6.6885%
15 years $5,000-$250,000.00 To 89% LTV 8.500% 8.668%
20 years $5,000-$250,000.00 To 70% LTV 7.500% 7.620%
20 years $5,000-$250,000.00 To 80% LTV 7.750% 7.874%
20 years $5,000-$250,000.00 To 89% LTV 9.500% 9.655%
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Rates, terms, conditions, and availability are subject to change or withdrawal at any time and without notice. Nothing herein is or should be interpreted as an offer or commitment to lend. Loans are subject to credit and property approval. Other conditions and restrictions may apply. Hazard insurance may be required. NLMS ID Number is 506373.

  1. APRs are based on the following:
    • Conforming (except 5/5 ARM products): Loan amount of $417,000.00 + closing costs and points
    • High Balance Loan amount of $625,500.00 + closing costs and points
    • Jumbo (except 5/5 ARM products): Loan amount of $850,000.00 + closing costs and points
    • Mortgage rates shown are based on a 45-day lock for the rate and term refinance of a primary residence. Under certain circumstances, a 45-day rate lock may not be available.
  2. Rate shown at 80% loan-to-value (LTV), owner-occupied refinance or purchase with excellent credit. Your rate may be different than what is shown. Please use the rate calculator on our application page to get a better estimate for your scenario.
  3. The index is the weekly average of the 1-year US Treasury securities adjusted to constant maturity of one year, as made available by the Federal Reserve. The caps are 2% annually and 6% lifetime based on the initial rate. The current index is 0.130. Your rate may be different than what is shown. Please use the Choose Rates feature on our application page to get a more exact rate.
  4. High-Balance Mortgages allow for higher loan limits beyond the $417,000 conforming limit up to $625,500 for high-cost areas as determined by the Federal Finance Agency (FHFA). These higher limits are designed to make home ownership more affordable in areas with the highest home prices and are typically priced below jumbo mortgage loan.
  5. Home Equity Lines of Credit are only available in California on owner occupied and vacation or second homes. The minimum periodic payment for the Interest Only Equity Line of Credit is interest only for the first ten years. After the first ten years, credit advances will no longer be available and payments will be fully-amortizing to repay the balance over fifteen years. The maximum rate is 17%. Payments and rate can adjust monthly. There is no annual fee and no draw period restrictions. Closing costs range from $0 to $2,500. Patelco Credit Union will pay customary closing costs on lines up to $100,000 in second lien position. Borrower may be required to pay a notary fee varying from $1 to $40 to execute the loan documents. The index used is the Prime Rate as published in the Wall Street Journal Western Edition on the last business day of the month prior to the change, plus a margin up to 80% CLTV for owner-occupied properties. The current prime index is 3.250.
  6. Home Equity loans and lines of credit are available on California properties only. Interest paid may be tax deductable. Consult your tax advisor.
  7. APR calculations are based on a 15-year term and a loan amount of $100,000.00 with estimated closing costs of $500.00
  8. The index (for 5/5 product) is the weekly average of the 5-year US Treasury securities adjusted to constant maturity of five years, as made available by the Federal Reserve. The caps are 2% annually and 5% lifetime based on the initial rate. The current index is 1.590. Your rate may be different than what is shown. Please contact one of our loan representatives at 800.358.8228 extension 1202 to get a more exact rate.
  9. 5/5 product APRs are based on the following:
    • Conforming : Loan amount of $417,000.00 and points (credit towards non-recurring closing costs is provided at closing)
    • Jumbo : Loan amount of $850,000.00 and points (credit towards non-recurring closing costs is provided at closing)
    • Mortgage rates shown are based on a 45-day lock for the rate and term refinance of a primary residence. Under certain circumstances, a 45-day rate lock may not be available.