The Patelco Difference
When you join Patelco, you’ll experience the difference between simply being a customer and being a member. As a member-owned not-for-profit financial cooperative, we hold ourselves to a higher standard. Our people-before-profits philosophy is deeply rooted in our mission to help improve financial health for our members.
Convenience and Expert Personal Service
Access your account any time with 37 branches in Northern California, 30,000 surcharge-free ATMs and 6,000+ shared branches nationwide along with online, telephone and mobile banking. Learn More
Annual Insurance Check-Up
Save an average of $651/yr with a free annual insurance check-up with a licensed professional. Learn More
Personal Financial Counseling
Your employees will have access to Personal Financial Counselors, workshops, online education and advice. Learn More
Checking and Savings Solutions Tailored for Your Unique Needs
Plus Checking Account
Plus checking is a one-of-a-kind account that offers automatic round-up savings and a 10% match. Identity theft protection, worldwide ATM fee rebates and other account features save our members an average of $642/yr.1 Learn More
If you simply want a basic account without a lot of extras, we offer our Free Checking Account. Enjoy $0 monthly fee and no minimum balance plus free overdraft transfers from a linked account. Learn More
A $10 opening deposit gets you an everyday account that pays steady interest. It’s free with a monthly direct deposit of $100 or more or a minimum daily balance of $500 (otherwise it’s only $5 per month). Learn More
Money Market Savings Account
Empower your employees to reach their goals with our 2.00% APY Money Market Savings, a high-paying liquid account that offers one of the highest savings rates in the country.2,3 Learn More
I think Patelco is a great financial partner for me. I feel like they care about where I’m going and what my goals are.Simone, Patelco member for three years
Home Loans and Equity Lines of Credit
We’re making the path to home ownership easier and possible for more people with low rates, flexible term options, and local expertise. Purchase a home with just 3% down and no closing costs. Learn More
Home Equity Lines of Credit Loans
Your home equity can be a powerful financial tool for home improvement and consolidating debt. We can give you access to low-cost funds with fixed and variable rate options. Learn More
...through Patelco, I have been able to save money for myself, for my two kids, and the grandkids…I’ve taken loans out. I have paid for cars…I have a whole house paid for…banking with Patelco, I’ve been able to accomplish that.Margaret, Patelco member for 38 years
Flexible and Low Rate Personal and Auto Loan Solutions
LevelUp Automatic Rate Reduction Program
We recognize everyone may not qualify for the absolute lowest rate, and we want to help our members get there. That’s why we reduce rates on select loan types every year when payments are made on time. So far, over 75% of members in this program reduced their rate and improved their credit score.4 Learn More
Switch to Save
The Switch to Save program helps members quickly compare their existing credit card and loan rates and fees to Patelco’s, demonstrating the value and savings Patelco can deliver. Learn More
Overdraft Protection Loans
Low-rate Overdraft Protection Loans for checking accounts significantly reduce non-sufficient fund (NSF) fees, saving members hundreds of dollars a year in NSF fees. Learn More
We offer affordable low rates and flexible terms up to 84 months. Whether you’re looking to buy a new car or refinance, we deliver competitive solutions. Motorcycle, boat and RV loans are also available. Learn More
We offer loans for just about any need with competitive low rates and debt consolidation options. Plus, we will work with you on a payment and loan term that is best for your needs. Learn More
Low rates and no annual fees or balance transfer fees, our Pure Mastercard® Credit Card is a great option for everyday purchases. Learn More
1 Identity, Credit, and Round-Up features all require enrollment. Insurance products are not a deposit, not NCUA insured, not an obligation by the Credit Union or its affiliates, and not guaranteed by any government agency. ATM fee rebates do not apply to any fees other than those assessed for using an ATM to withdraw cash from your Patelco Credit Union account. Cell phone protection is subject to additional terms and conditions. Participating merchants on Patelco Plus are not sponsors of the program, are subject to change without notice, may not be available in all regions and may choose to limit deals. Policies and account features subject to change without notice. Combined services valued at $642 per year based on research on websites for Lifelock®, AT&T®, Sprint®, Verizon®. $6.95 monthly fee applies.
2 APY=Annual Percentage Yield. Rates are valid as of 12/1/2022 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. 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 Bankrate.com 12/1/2022.
4 LevelUp our automatic rate reduction program 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 Seasonal Loans and 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 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.