Member Benefits

Better rates, more savings, and all about YOU.

Become a Patelco member today!

A smiling Patelco member stands in front of a modern home.

Discover the Patelco difference

When you join Patelco, you become both a member and an owner. A Patelco membership includes this credit union difference, plus benefits that are unique to our members.

  • Products and services developed for your financial well-being
  • Significantly better rates and lower fees
  • Always looking out for you, not our bottom line

We’re here to build your today and power your tomorrow. To help you manage your day-to-day financial life and strengthen your financial future.

Additional membership benefits:

Benefit from some of the best savings rates in the nation
Our members earn more on their savings with products like our 2.00% APY1 Money Market Select Account. With no fees or minimum balance, this account enables anyone, from the novice to the experienced saver, to invest in their financial future.

Get rewarded for on-time payments
We’re always looking for ways to get you the lowest loan rates. So, if you don’t initially qualify for our lowest rate on a vehicle or personal loan, LevelUp can reduce that rate over time when you make on-time monthly payments.2 Learn More

Enjoy membership discounts
We’ve partnered with great companies and community organizations to extend special deals exclusive to Patelco members. Why pay full price when your Patelco membership includes special perks like discounts for car rentals, car buying, vacations, and family fun entertainment.

Here’s some of the many benefits that come with Patelco membership. Scroll down to discover even more benefits.

Explore our services today.

Every once in a while, I get a letter from Patelco saying that because you have made your payments on time, we’re lowering your interest rate! What other bank or business voluntarily gives you a discount and helps you out like that?

T.K., Member since 2013

TurboTax Member Discount

Members: Save up to $20 when you file your federal taxes with TurboTax.

We’ve partnered with TurboTax to help make preparing and filing your taxes simpler and affordable. Now, you can securely file your taxes from your smart phone, tablet or computer.

When you use TurboTax3, you’ll benefit from:

  • A maximum refund guarantee
  • They’ll double check your return
  • 100% accurate calculations guarantee
  • SmartLook expert live help on demand

Members save $10 savings on Federal Deluxe, $15 savings on Federal Premier, $20 savings on Federal Self Employed.

AutoSMART™ - search, shop, finance

Put yourself in the driver’s seat with a better car buying experience.

AutoSMART is a great online resource that helps you take control of the car buying process, from start to finish.

  • Auto loan rates as low as 6.94 APR4
  • Review thousands of new and used cars
  • Learn the Blue Book value for used vehicles
  • Find local dealerships and request pricing quotes
  • Get pre-approved
  • Easy application and financing
  • All online and free to use!

Enterprise Car Sales

Save big with a certified used vehicle from Enterprise.

  • Receive a 1.00 APR% discount on your Patelco Auto Loan rate5
  • Choose from over 120 makes and models
  • Trade in your old vehicle
  • Competitive and below Kelly Blue Book pricing6
  • 109-point certification inspection7
  • 12-month roadside assistance8
  • Free CARFAX® vehicle history reports™

Wills and Trusts Discount

Secure your legacy and family’s future with an affordable and inclusive estate planning solution.

Estate planning is for everyone. We’ve partnered with Trust & Will to offer our members estate planning services – and as a Patelco member, you’ll receive 25% off a will or trust.

  • It’s 100% online with easy step-by-step instructions
  • Expert help is available by chat, email, or phone
  • Save 25% off any estate plan and get the first shipment of documents for free
  • Built by attorneys and customized by you to fit your needs and wishes

Car rental discounts

Savings and convenience for Patelco members


  • Save up to 25%9
  • Use quick self-check in

Rent from Alamo


  • Get discounts off regular rates
  • Get free rental pick-up and drop-off10

Rent from Enterprise


  • Save up to 25%
  • Enjoy unlimited mileage11

Rent from National

Get Away Today

Save on your next vacation with exclusive Patelco member discounts.

Patelco members save hundreds of dollars on their vacation with Get Away Today!

  • Save with discount Disneyland tickets, hotel rates and more
  • Or choose from over 1900+ destinations
  • Plan your trip with the travel experts
  • Book your vacation for only $175 down
  • Best price, best service guaranteed

Deals for new Dish customers

Deals for new Dish customers.

  • Over 240 channels
  • No extra charge for HD channels
  • Record your favorite HD shows at no extra cost
  • Pay an affordable set price for 2 years

National Credit Union Administration (NCUA) insurance

Rest easy knowing your money is protected against loss.

  • The National Credit Union Administration (NCUA) is an independent agency of the U.S. government that regulates federal credit unions.
  • Insurance is automatic with a Patelco membership–there’s no need to sign up.
  • All individual members are insured with $250,000 of coverage.

1 2.00 APY on balances up to $2000. Interest earned varies based on balance tiers.

2 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.

3 Maximum refund guarantee: If you get a larger refund or smaller tax due from another tax preparation method, TurboTax will refund the applicable TurboTax federal and/or state purchase price paid. TurboTax Online Federal Free Edition customers are entitled to payment of $14.99 and a refund of your state purchase price paid. 100% accurate calculations guarantee. 100% accurate calculations guarantee: If you pay an IRS or state penalty or interest because of a TurboTax calculation error, TurboTax will pay you the penalty and interest. TurboTax Expert Help, Tax Advice and SmartLook: Included with Deluxe, Premier and Self-Employed (via phone or on-screen); not included with Federal Free Edition (but available for purchase with the Plus bundle). SmartLook on-screen help is available on a PC, laptop or the TurboTax mobile app. TurboTax experts provide general advice, customer service and product help; tax advice provided only by credentialed CPAs, enrolled agents and tax attorneys. Feature availability varies by device. State tax advice is free. Service, area of expertise, experience levels, hours of operation and availability vary, and are subject to restriction and change without notice. CompleteCheck: Covered under the TurboTax accurate calculations and maximum refund guarantees.

4 APR (Annual Percentage Rate). Auto rates starting at 6.94 APR effective 10/27/2023; 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, 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: $23.99 per month per $1000 borrowed at 6.94% APR for 48 months; 49‑66 months: $18.38 per month per $1000 borrowed at 7.04% APR for 66 months; 67‑72 months: $17.22 per month per $1000 borrowed at 7.24% APR for 72 months; 73‑84 months: $15.51 per month per $1000 borrowed at 7.74% APR for 84 months. Used Auto loan payment examples: 0‑48 months: $24.11 per month per $1000 borrowed at 7.19% APR for 48 months; 49‑66 months: $18.50 per month per $1000 borrowed at 7.29% APR for 66 months; 67‑72 months: $17.34 per month per $1000 borrowed at 7.49% APR for 72 months; 73‑84 months: $15.61 per month per $1000 borrowed at 7.94% APR for 84 months.

5 APR (Annual Percentage Rate). 1.00% off current Patelco Credit Union rate with a max loan term of 60 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 11/1/2018 – 12/31/2021. This offer cannot be combined with any other offer other than those listed in this advertisement.

6 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.

7 Enterprise Certified.™ Each vehicle goes through a rigorous inspection by an ASE-certified technician. Restrictions apply. For details, see an Enterprise Car Sales Manager.

8 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.

9 Discount applies to base rate only. Up to 25% discount applies to participating locations. Discount varies by rental date, location and vehicle type. Taxes other governmentally-authorized or imposed surcharges (including GST), license and concession recoupment fees, airport and airport facility fees, fuel, additional driver fee, one-way rental charge and optional items (such as CDW/LDW up to US $30 per day) are extra. In the US check your insurance and/or credit card for rental vehicle coverage. Renter must meet standard age, driver and credit requirements. 24-Hour advance reservation required. May not be combined with other discounts. Availability is limited. Subject to change without notice. Blackout dates may apply. Void where prohibited.

10 Pick-up is subject to geographic and other restrictions.

11 Unlimited mileage only available at participating locations.


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