Routing # 321076470

How does Instant BackUp Line of Credit work?

If you have an unexpected shortage of funds in your Patelco checking account, your overdraft line of credit takes over to cover you.​

Once you sign up for this convenient feature, we will process your transactions on your Patelco Checking account, even if they dip your balance below $0.00. Instead of paying an overdraft fee, you’ll pay interest only on the amount you borrowed for the amount of time it’s outstanding.

Product Benefits

No fee and low rate

No cash advance fees (unlike credit cards), plus get a competitive, fixed rate

Saves money

Interest you would pay is much less than an overdraft fee

Establish or rebuild credit

With on-time payments, can help establish credit history on your credit report

No credit check​2

Access overdraft protection with no credit check

Instant BackUp Line of Credit

Rates Effective 04/05/2023

19910Open-endedUp to $50017.90%05/04/202312

Frequently Asked Questions

Manage Your Accounts Online

Use Patelco Online™ to manage your accounts online:

  • Check balances
  • Get account details
  • Transfer funds and Make Payments
  • Send us secure messages about your loan
  • Make payments from your Patelco account

1 APR = Annual Percentage Rate. All loans are subject to credit approval, restrictions apply, rates are subject to change. Loan rates offered effective 04/05/2023. The APR range is 17.90% for Instant BackUp™ Line of Credit. Minimum payment is $25.00 or 2% of the unpaid balance, whichever is greater. (If balance is less than $25.00, minimum payment will be full balance owed.) To learn more about rates, terms, and exclusive discounts for members, such as Commitment Household, call 800.358.8228 or visit any Patelco branch.

2 While your credit report is not pulled for the purpose of using your credit score to qualify you for a specific interest rate for the Instant BackUp Overdraft Line of Credit, Patelco Credit Union does, and will report your payment history to the credit bureaus.


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