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Personalized service. Community involvement. Big bank benefits.

Patelco has been in business for 80 years, and with $5 billion in assets and 300,000 members nationwide, we are among the largest credit unions in the nation. As a federally insured, not-for-profit, full-service financial institution, we're dedicated to helping our members and our communities prosper through volunteer initiatives, as well as personalized service that focuses on transparency, simplicity, and trust. We offer all the benefits of a big bank, right alongside the personalized, cost-saving services of a credit union – Our goal is to help you reach your financial goals safely, and affordably.

The best part? With minimal membership eligibility requirements, it's easier than ever to discover the better side of banking with Patelco. Take a tour:

Anywhere Access On-the-Go
24/7 Account Management
Exceptional Rates

Being a Patelco member means never having to hunt for a bank or an ATM. Our ATMs and branch locations are everywhere – and always expanding:

  • Over 30,000+ surcharge-free ATMs nationwide
  • 36 full-service branches
  • 6,000+ shared-service branches

You can do nearly anything you can do from a branch with our online and mobile tools.

  • Patelco Online™
    Pay bills, check balances, transfer funds, deposit checks smoothly, quickly and easily
  • Mobile App & Anywhere Deposit
  • Text Message Banking

Our earnings don’t go to investors – We reinvest them into lower loan rates and account fees, higher rates on savings and investments, and a host of other products and services for our members. Rates include:

  • Auto Loans as low as 3.09%1
  • Credit Cards as low as 7.45%2
  • Up to 3.00% APY3 on a Money Market Select Account or IRA
  • 30-year fixed mortgage as low as 4.667%4
  • Many more…
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Free Checking
That is (That’s Right) Free!
Added Perks and Services Personalized Service, Expert Advice

Because we are not-for-profit, we can afford to offer our members a truly Free Checking Account – minus the hidden fees. This means:

  • No monthly service fees
  • No minimum balance requirement
  • No gratuitous conditions or restrictions
  • No debit card usage fees

Our accounts come fully loaded with a host of special offers and programs to help you save money and make the most out of your Patelco membership, including:

Our earnings don't go to investors – We reinvest them into lower loan rates and account fees, higher rates on savings and investments, and a host of other products and services for our members. Rates include:

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The Credit Union Advantage

Member-Owned, Member-Focused
A credit union is truly "democracy in action." Every member owns a share, so every member has a voice when it comes to electing the board of directors and deciding what's best for the future. It also means that members are the ones who share in the profits.

Honest Lending
We have the size and stability to deliver the same low loan rates you'd find at a big bank. But more importantly, we have the values that come with being a credit union that exists to serve its members. Ethical lending practices are a hallmark of the way Patelco chooses to do business.

Options, Options, and More Options
Whatever your financial goals are, we have the accounts and services you need. Patelco offers a range of account options, each designed with rates, terms, and added benefits to help you save for the things you need and the life you want.

  1. APR (Annual Percentage Rate). Auto rates as low as 3.09% APR effective 4/6/2018; 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 and loan balances, program designation and vehicle age. Actual rates are disclosed to approved applicants in writing prior to loan consummation and may be as high as 11.09% APR. To learn more about rates, terms and available discounts, call 800.358.8228, visit, or visit any Patelco branch. Loan payment example: $16.50 per month for each $1,000 borrowed at 3.09% APR for 66 months.
  2. Annual Percentage Rate. Subject to credit approval.
  3. APY=Annual Percentage Yield. 3.00% APY applies to balances of $1 - $2,000. Rates are valid as of April 1, 2016 and are subject to change after account opening without notice. Interest is paid at tier rates on balances within each tier. Total interest paid is the sum from each tier. Withdrawing funds before one year will result in a different realized rate. No minimum deposit required to open an account. Limit one Money Market Select Account and Money Market Select IRA Account per account number. Contributions to and withdrawals from the Money Market Select IRA Account are subject to IRS limitations, be sure to view the Member Handbook and the Money Market Select Handbook Addendum for details.
  4. Rate shown at 80% loan-to-value (LTV) and does not include any applicable closing costs or fees. Your rate may be different than what is shown. Please use the Choose Rates feature on our application page for a more exact rate.