For nearly 90 years we’ve made your financial wellbeing our top priority because we’re more than a bank – we’re a credit union. Start your journey with a Free Checking account and take control of your financial future.
Apply in Minutes Explore Member BenefitsThe not-for-profit difference of reinvesting profits to benefit members, caring for & elevating their wellbeing
Expert 1:1 guidance with Certified Financial Specialists & access to broad financial wellness tools
From checking & savings to HELOCs & auto loans, we have personalized solutions with convenient access
Secure digital & mobile transactions, dedicated fraud protection services & NCUA insured up to $250,000
Real community impact through responsive actions, volunteering & financial coaching in the community
Grow your savings faster & lower expenses with fewer fees, better rates & products fit to your needs
514,000+
members nationwide and growing
36
local branches and a Virtual Branch
89
years of proudly serving the community
$1,500
average annual savings per loyal household1
I have been a member of Patelco Credit Union for several years now, and I cannot express enough how pleased I am with the outstanding service I consistently receive. At Patelco, they know me by name when I walk in the door! Overall, Patelco Credit Union, thanks to exceptional team members, has exceeded my expectations.
PATELCO MEMBER
Everything we do is deeply rooted in our people before profits philosophy. Our community is woven tight — friends, co-workers, neighbors — growing stronger as we rise together. We don’t just bank; we nurture. We put our beliefs in action & live our shared values.
Patelco Credit Union is honored to be the recipient of multiple industry awards every year. What we’re most proud of is that over half of our new members come from existing member referrals, and that to us is the greatest recognition possible. It’s a testament to our inclusive and welcoming environment, member empowerment, and the fact that trust is earned, period.
Make sure you’re eligible based on our basic criteria listed here. If so, you can become a member in minutes!
Your Social Security Number, driver’s license of government ID, current home address, and external bank account to fund your new account.
Patelco’s Free Checking account is a great place to start with no monthly fees or minimums, and comes with great benefits.
1 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.
With tools that fit each member’s life, expert advice that lights their path, and support and security that steadies their steps, we turn confidence into a currency that everyone deserves.