Explore Patelco's competitive rates

NOTE: There is a penalty for early withdrawal for all Certificates. Please see the Certificate Accounts section in the Patelco Member Handbook.

1. APY = Annual Percentage Yield. Terms and conditions may vary by account.
2. All regular certificates can be opened as IRA certificates, unless otherwise noted. Minimum balance for all IRA certificates is $250.00.

We are unable to offer financing for Branded Titles (e.g. - salvaged, lemon law) or the following types of commercial vehicles: Chevrolet Silverado 4500 - 6500, Chevrolet Express, Dodge Ram Promaster/Promaster City, Dodge Ram Chassis 4500, Ford F-450 or higher, Ford Transit/Transit Connect, GMV Savana, GMC Sierra 4500, Mercedes Benz Sprinter, Mercedes Benz Metris , Nissan NV and NV2000. Speak to a team member for more details.

APR = Annual Percentage Rate. In the case of credit cards, APR applies to purchases and balance transfers.

• *Annual Percentage Rate (APR) discount of .25% APR off current auto loan rates with a loan term of 67 months or greater. Valid on auto loan purchases or auto loans refinanced from another institution (existing Patelco auto refinances are not eligible). For purchases, application must start with Patelco and may close at a dealership. Discount to be applied at time of loan closing. Limited time offer expires March 31, 2023 and is subject to change anytime without notice.

• ¹ APR = (Annual Percentage Rate). Auto rates starting at  5.49% effective 5/18/2023; subject to change without notice. Patelco offers a range of base rates and discounts that depend on factors such as credit history, loan term, Patelco account relationship, vehicle mileage, amount financed and vehicle age. Additional discounts may apply. Vehicle mileage greater than 100k will include an additional .50% added to rate. Actual rates are disclosed to approved applicants in writing prior to loan consummation and may be as high as 17.99% APR. To learn more about rates, terms, and exclusive discounts for members, such as Commitment Household, call 800.358.8228 or visit any Patelco branch. Loan payment example: 0‑48 months: $23.31 per month per $1000 borrowed at 5.49% APR for 48 months; 49‑66 months: $17.69 per month per $1000 borrowed at 5.59% APR for 66 months; 67‑72 months: $16.53 per month per $1000 borrowed at 5.79% APR for 72 months; 73‑84 months: $14.79 per month per $1000 borrowed at 6.29% APR for 84 months.

• ² APR = (Annual Percentage Rate). Rates as low as 6.25% APR effective 3/14/2023. Loan rates are subject to change without notice and subject to credit approval. Patelco offers a range of rates that depend on factors such as credit history, loan term, mileage, Patelco account and loan balances.  Additional .50% added to rate for mileage over 100k (with a maximum mileage at 125k). Maximum of 20 years combined based on vehicle model year + loan term. . Actual rates are disclosed to approved applicants in writing prior to loan consummation and may be as high as 18.25% APR. To learn more about rates, terms and available discounts, call 800.358.8228, visit patelco.org or visit any Patelco branch. Loan payment example: 60 months: $19.51 per month per $1000 borrowed at 6.25% APR; 72 months: $16.98 per month per $1000 borrowed at 6.75% APR; 84 months: $15.02 per month per $1000 borrowed at 6.75% APR; 120 months: $11.78 per month per $1000 borrowed at 7.25% APR;180 months: $9.45 per month per 1000 borrowed at 7.75% APR 

• ³ APR = Annual Percentage Rate. Rates as low as 6.75%  APR effective 3/14/2023. Loan rates are subject to change without notice and subject to credit approval. Patelco offers a range of rates that depend on factors such as credit history, loan term, Patelco account and loan balances. Actual rates are disclosed to approved applicants in writing prior to loan consummation and may be as high as 16.55% APR. To learn more about rates, terms and available discounts, call 800.358.8228, visit patelco.org or visit any Patelco branch. Loan payment example: 60 months: $19.74 per month per $1000 borrowed at 6.75% APR

• ⁴ APR=Annual Percentage Rate. Variable APR as of 5/26/2023. Rate adjusts monthly and equals prime rate for previous month plus a margin range based on credit worthiness. Applies to Purchases and Balance Transfers.

• ⁵ Equal to the rate you are receiving on the certificate pledged as security at the time the loan is obtained, plus 2.25%.

• ⁶ APR = Annual Percentage Rate. Rates offered effective 4/5/2023 and are subject to credit approval. APRs range based on factors including credit type, loan term, 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 patelco.org, call 800.358.8228, or stop by a branch. The APR range is 7.95% to 17.90% with terms available from 6 to 84 months. Example, if you receive a loan of $10,000 with an interest rate of 7.95% with no origination fee and make 36 monthly payments of $313.93, your finances charges will be $1,301.33 which would make your total repayment amount $11,301.33

• ⁷ APR = Annual Percentage Rate. All loans are subject to credit approval, restrictions apply, rates are subject to change. Loan rates offered effective 4/5/2023. The APR range is 12.00% to 17.90% for Signature Line of Credit. The APR is 17.90% for Instant BackUp™ Line of Credit. Minimum payment is $25.00 or 2% of the unpaid balance, whichever is greater. To learn more about rates, terms, and exclusive discounts for members, such as Commitment Household, call 800.358.8228 or visit any Patelco branch.

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 is required. NMLS ID Number is 506373.

1. APR = Annual Percentage Rate. APRs are based on the following:
   • Conforming: Loan amount of $726,200 + closing costs
   • Jumbo: Loan amount of $1,500,000  + closing costs
   • Mortgage rates shown are based on a 60-day lock for rate and term refinance transaction for of a primary residence. 30-day lock for purchase transactions.
   Rate shown at 60% loan-to-value (LTV), owner-occupied limited cash-out refinance or purchase with excellent credit, debt-to-income ratio less than or equal to 40% and no subordinate financing. Your rate may be different than what is shown. Please use the rate calculator on our mortgage application site to receive a better estimate for your scenario.
2. 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 5.22%. 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.
3. 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% every adjustment and 5% lifetime based on the initial rate. The current index is 3.81. 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.
4. The index (for 10/10 product) is the weekly average of the 10-year US Treasury securities adjusted to constant maturity of ten years, as made available by the Federal Reserve. The caps are 3% every adjustment and 6% lifetime based on the initial rate. The current index is 3.69.
5. 8.250% APR (annual percentage rate) applies to a HELOC for the most qualified applicant at CLTV up to 80%. Not all applicants will qualify for the lowest rate. Rates vary based on property value, line amount and other factors, and will vary for second or vacation homes. Payments and rate can adjust monthly. Payments will increase if rates increase. The rate is calculated using an index plus a margin. 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. The current prime index is 8.25. Minimum interest rate is 3%. Maximum interest rate is 17%.
6. Fixed Home Equity APR calculations are based on loan amount of $100,000.00 with estimated closing costs of $500.00
7. 9.250% APR (annual percentage rate) and other terms shown are accurate as of 6/5/2023 and apply to an ADU HELOC for the most qualified applicant at CLTV up to 125%. Not all applicants will qualify for the lowest rate. Eligible on primary residences only. Rates vary based on property value, credit score, line amount and other factors. The minimum periodic payment is interest-only for the first two years (“draw period”) followed by fully-amortizing payments to repay the balance over the final twenty years. No draws will be allowed during the repayment period. Payments and rate can adjust monthly. Payments will increase if rates increase. At the end of the draw period, your required monthly payments will increase because you will be paying both principal and interest. The rate is calculated using an index plus a margin. 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. The current prime index is 8.25. Minimum interest rate is 3%. Maximum interest rate is 17%.