Your financial well-being is our top priority.
As a member-owned not-for-profit credit union, our people before profits philosophy is at the heart of all we do. Whether it’s free financial advice, or accounts that help you save, we’re here to ensure you get the support you need – no matter where you’re at.
Free Checking
No fees, no minimum balance. Just convenience and security.
Stop worrying about hidden fees. When we say free, we mean it. Compare the savings in the chart below.
- $0 monthly fee
- No minimum balance
- Overdraft transfers from savings or line of credit
- Debit Mastercard with price protection for purchases
| Patelco Free Checking |
Bank of America Advantage Plus Banking |
Wells Fargo Everyday Checking |
|
| Monthly Fee | $0 | $12 | $10 |
| Minimum Opening Deposit |
$10 | $100 | $25 |
| Minimum Daily Balance to avoid monthly fee |
$0 | $1500 | $1500 |
| Direct Deposit Qualifier to avoid monthly fee |
No qualifier required | Minimum $250 | Minimum $500 |
Money Market Savings
Earn one of the best money market rates in the nation.1
Unlike the big banks, we actually pay a higher rate if you are just starting out so you can reach your savings goal faster.
- 2.00% APY2 on balances up to $2,000.00
- No fees, no minimum balance
- Guaranteed growth and safety
- Up to six withdrawals or transfers per month
| You earn: | On your balance of: | It adds up to: (blended APY) |
| 2.00% APY | $1-$2,000 | |
| 1.00% APY | $2000.01 - $5,000 | 1.40% on $5,000 |
| 0.50% APY | $5,000.01 – $10,000 | 0.95% on $10,000 |
| 0.35% APY | $10,000.01 – $50,000 |
0.59% on $25,000 |
Auto Loans
Flexible terms and options to help you save on your monthly car payment or rate.
We’ve got your auto needs covered.
- Competitive rates starting at 2.59% APR3
- Enjoy up to 90 days of no car payments4
- Affordable terms up to 84 months for a new or used car purchase or refinance
- See how much you can save on your car payments when you switch to Patelco
Pure Mastercard® Credit Card
The smart, easy way to pay. 0% APR for 6 months on Balance Transfers made in the first 90 days
- A low-rate credit card for making everyday purchases
- No annual or balance transfer fees
- Rates as low as 6.20% APR5
- See how much you can save by transferring your high rate card balance to Patelco
Free Financial Advice
If you need guidance on budgeting, savings, debt management, building your credit, or financial planning, our Certified Financial Specialists are here to help.
See why members love Patelco
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"Patelco is part of my financial strategy."
-Elmer
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"It’s so much like community when you go there."
-Angela
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“They give me the best advice without looking for personal gain.”
-Jerry
Banking made easy
24/7 online banking
24/7 online banking
Manage your money anytime, anywhere.
30,000+ fee-free ATMs nationwide
30,000+ fee-free ATMs nationwide
37 branches serving Northern California.
Award-winning
Mobile App
Award-winning
Mobile App
Easy money management with bill pay, remote deposit, and person-to-person payment.
*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 2.59% APR effective 8/22/2020; 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 11.45% 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: $21.98 per month per $1000 borrowed at 2.59% 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.