A financial partner you can count on.

*Source: Datatrac, NCUA, and CUNA. The study was completed by Credit Union National Association (CUNA) year ending 2018. Credit unions provide financial benefits to members through lower loan rates, higher savings rates, and fewer fees than banking institutions. The Credit Union National Association (CUNA) estimates that Patelco CU provided loyal high-use member households $1977 in direct financial benefits during 2018. A “loyal member” is 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 one-year certificate account, and $2,500 in a money market account.

1. Bankrate.com 4/1/2020

2. APY=Annual Percentage Yield. Rates are valid as of 4/1/2020 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. Blended APY shown assumes the amount entered is held in the account for one year. Withdrawing funds before one year will result in a different realized rate. Blended APY by tier: $1.00 - $2,000.00 is 2.00% APY; $2,000.01 - $5,000.00 is 2.00% - 1.40% APY; $5,000.01 - $10,000.00 is 1.40% - 0.95% APY; $10,000.01 - $50,000.00 is 0.95% - 0.47% APY; $50,000.01 - $100,000.00 is 0.47% - 0.36% APY; $100,000.01 - $9,999,999.99 is 0.36% - 0.20% APY. No minimum deposit required to open an account. Limit one Money Market Select Account and one Money Market Select IRA Account per account number.

3.APR (Annual Percentage Rate). Auto rates starting at 2.55% APR effective 1/8/2021; 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 11.20% 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: $21.96 per month per $1000 borrowed at 2.55% APR for 48 months.

4. At closing, you have the option to select up to 90 days of deferred loan payments on your new or used auto loan. The actual number of days will depend on the terms of the loan. Interest will accrue on your auto loan beginning on the date the loan is funded and the first payment will be applied to interest accrued from the date the loan is funded to the first payment date and then to principal due.

5. Variable APR as of 9/24/2020. Rate adjusts monthly and equals prime rate for previous month plus a margin range based on credit worthiness. Applies to Purchases and Balance Transfers.

6. APR (Annual Percentage Rate). All loans are subject to credit approval, restrictions apply, rates are subject to change. Loan rates offered effective 10/23/2020. Patelco offers a range of base rates and discounts that depend on factors such as credit type, credit history, loan term, and Patelco account relationship. Additional discounts may apply. Actual rates are disclosed to approved applicants in writing prior to loan consummation and may be as high as 15.40% 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. The APR range is 4.95% to 18.40% with terms available from 6 to 60 months. Example, if you receive a loan of $10,000 with and interest rate of 6.95% with no origination fee and make 48 monthly payments of $239.89, your finances charges will be $1,514.69 which would make your total repayment amount $11,514.69

7. 3.250% APR (annual percentage rate) and other terms shown are accurate as of 1/22/2021 and apply 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. The minimum periodic payment is interest-only for the first ten years (“draw period”) followed by fully-amortizing payments to repay the balance over the final fifteen 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 3.25% APR. The minimum interest rate is 3% and the maximum interest rate is 17% APR. Home Equity loans and lines of credit are available on California properties only.

8. The minimum credit line amount is $10,000 and the maximum is $500,000. Patelco Credit Union will pay customary closing costs on lines up to $250,000 in second lien position. Borrower is responsible for closing costs on lines in first lien position or over $250,000. Closing costs range from $0 to $2,500. This offer does not include escrow or recording fees that may result from changes in title or vesting.