* Based on the Credit Union National Association Membership Benefits Study in Q4 2024 and rates and fees as of 03/17/2025. Assumed to have a $30,000, 60-month new auto loan, a classic credit card with an average balance of $5,000, a $200,000, 30-year fixed rate mortgage (a 30-year fixed rate mortgage is replaced with a 5-year adjustable rate mortgage if it yields a greater benefit as it is assumed more in demand), $5,000 in an interest-bearing checking account, $10,000 in a 1-year certificate account, and $2,500 in a money market account.
1 You must enroll in Instant BackUp on your checking account to receive overdraft coverage up to $500. You’ll pay interest only on the amount you borrowed for the amount of time it’s outstanding. Talk to our Patelco team for assistance and learn more here. No overdraft fees applies to checking accounts opened after 4/05/2023.
2 Source: over 22,000 five-star reviews on the App Store.
3 LevelUp (formerly the Timely Repayment Incentive Program aka TRIP) is offered to members who are approved for the following loans at Patelco’s credit tier 2 or higher: auto, motorcycle, RV, boat, and personal loans, excluding all lines of credit. Total discount of up to 1.50% APR (Annual Percentage Rate) applied in 0.50% APR increments for every 12 consecutive on-time monthly payments. Maximum discount will never cause the final APR to be lower than the LevelUp floor rate for the specific loan and term at time of funding. Monthly payment amount remains constant, with additional money going toward principal, which shortens the term of the loan and the total amount paid over the life of the loan.
4 Qualifications for Commitment Household status must be met on a continuous basis. If it appears you must take steps to retain your status, you will be alerted via messages on your monthly statement and inside Online Banking. You will have a grace period to bring your household to Commitment level before you are removed from the program. Patelco will periodically evaluate all members’ financial relationships to ensure that they are consistently meeting the requirements.
Just meet one of these options to be eligible.
Option 1: Maintain one:
- A first or second mortgage balance or
- A HELOC that is open and active within the past 12 months
Option 2. Maintain all:
- An active Checking or Credit Card account
- An average daily balance of $3,000 in a Savings account or combined Savings accounts.
- An active loan. Eligible loans: Auto or Mortgage loan (within the last two years), an unsecured loan or credit card (with activity in the past 12 months)
Option 3. Maintain:
- A $50,000 or more monthly balance in or across Savings accounts.
Eligible accounts: Tiered Savings, Checking, or Money Market
5 Maximum Refund Guarantee / Maximum Tax Savings Guarantee – or Your Money Back: If you get a larger refund or smaller tax due from another tax preparation method by filing an amended return, we’ll refund the applicable TurboTax federal and/or state purchase price paid. (TurboTax Free Edition customers are entitled to payment of $30.) This guarantee is good for the lifetime of your individual tax return, which Intuit defines as seven years from the date you filed it with TurboTax, or until December 15, 2025 for your 2024 business tax return.
TurboTax Live Full Service Guarantee: If you use TurboTax Live Full Service to file your individual or business tax return, your tax expert will find every dollar you deserve. Your expert will only sign and file your return if they believe it’s 100% correct and you are getting your best outcome possible. If you get a larger refund or smaller tax due from another tax preparer by filing an amended return, we’ll refund the applicable TurboTax Live Full Service federal and/or state purchase price paid. If you pay an IRS or state penalty (or interest) because of an error that a TurboTax expert made while acting as a signed preparer for your return, we’ll pay you the penalty and interest.
Additional terms and limitations apply. See Terms of Service for more details.
6 APR (Annual Percentage Rate). Auto rates starting at 5.74% APR effective 05/01/2025; 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, amount financed and vehicle age. Additional discounts may apply. 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. New Auto loan payment examples: 0‑48 months: $23.42 per month per $1000 borrowed at 5.74% APR for 48 months; 49‑66 months: $17.75 per month per $1000 borrowed at 5.74% APR for 66 months; 67‑72 months: $16.63 per month per $1000 borrowed at 6.04% APR for 72 months; 73‑84 months: $14.84 per month per $1000 borrowed at 6.39% APR for 84 months. Used Auto loan payment examples: 0‑48 months: $23.54 per month per $1000 borrowed at 5.99% APR for 48 months; 49‑66 months: $17.87 per month per $1000 borrowed at 5.99% APR for 66 months; 67‑72 months: $16.75 per month per $1000 borrowed at 6.29% APR for 72 months; 73‑84 months: $14.96 per month per $1000 borrowed at 6.64% APR for 84 months.
7 APR (Annual Percentage Rate). 1.00% off current Patelco Credit Union rate with a max loan term of 72 months. Current rate will vary based on credit worthiness and terms. Financing for qualified Patelco Credit Union members. Offer valid only on Enterprise Car Sales vehicles purchased from April 1, 2025 – September 30, 2025. This offer cannot be combined with any other offer other than those listed in this advertisement.
8 Price does not include tax, title, tags, governmental fees, any emissions testing charges, and any finance charges (if applicable). Unless otherwise stated separately in the vehicle details, price does not include processing, administrative, closing or similar fees of $149 or less. Vehicles subject to prior sale. We make every effort to provide accurate information including but not limited to price, miles and vehicle options, but please verify with your local Enterprise Car Sales location before purchasing. Current mileage may vary due to test drives and vehicle relocation. Used vehicles were previously part of Enterprise short term rental, lease fleet or purchased by Enterprise from other sources including auto auctions, with previous use possibly short term rental, lease or other.
9 Enterprise Certified.™ Each vehicle goes through a rigorous inspection by an ASE-certified technician. Restrictions apply. For details, see an Enterprise Car Sales Manager.
10 Enterprise 12-Month Unlimited Mileage Roadside Assistance Package is provided by the American Automobile Association (AAA) and its affiliated clubs in the United States and Canada. Some limitations & restrictions apply.
