• No annual or balance transfer fees
  • Unlimited Patelco Rewards points that never expire
  • 2 points for every $1 in school and grocery purchases
  • 1 point per $1 for all other purchases
  • Rates as low as 10.40% APR1
  • Rates as low as 5.80% APR up to $2,5002
  • Borrow up to $7,500
  • Terms up to 5 years
  • No prepayment penalties
  • Skip-A-Pay program available3
  • $0 monthly fee
  • No minimum balance
  • Free overdraft protection and transfers from a linked savings, money market or line of credit account
  • Free Debit Mastercard® card
  • Learn more
  • Borrow up to $3,000
  • Terms up to 3 years
  • Rates as low as 6.99% APR2
  • Competitive, fixed interest rate (based on credit approval)
  • No prepayment penalties
  • Skip-A-Pay program available3


  1. APR (Annual Percentage Rate) Variable APR as of 8/26/2018. Rate adjusts monthly and equals prime rate for previous month plus a margin range based on credit worthiness. Applies to Purchases and Balance Transfers.
  2. APR (Annual Percentage Rate). Loan rates offered effective 6.30% 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 any Patelco branch, our website at patelco.org or call 800.358.8228.
  3. A $25 fee will be added to the loan balance when Skip-A-Pay is used.

Your healthy financial future is waiting.

Add velocity to your financial journey today. We’ll be with you the entire way as you take the next steps in managing your financial future.

Start here