Pay for big expenses with a Signature Line of Credit

Planned or unplanned, it can be hard to be financially ready for everything life brings. Sometimes you need access to money quickly, and we get that. And while many big banks are no longer offering a personal line of credit, Patelco is here for you.

Our Signature Line of Credit gives you:

  • A low fixed interest rate. Choose your line of credit – you may even get a lower average APR than available on credit cards so you can save money in the long run and more easily manage your budget.

  • Money you can access when you need it. This is ideal for meeting emergencies and temporary cash shortfalls.

Product Benefits

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No fee and low rates

No annual fee and fixed rates as low as 10.95% APR1

Flexible Line of Credit

Up to $50,000 credit limit and draw up to 100% of your credit limit without restrictions

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Affordable funds when you need them

Incur interest only on funds borrowed – and includes budget-friendly, flexible repayment options

Easy access to your funds

Access your funds online, by ATM, by phone, or at a local branch

Signature Line of Credit

Rates Effective 10/28/2022
Term Amount APR1
Open-ended Up to $50,000 10.95% to 14.95%

Frequently Asked Questions

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Manage Your Accounts Online

Patelco Online helps you stay up to date on all your personal loan details. We make it simple and safe to:

  • Check balances
  • Get account details
  • Transfer funds
  • Send us secure messages about your line of credit
  • Make payments from your Patelco account

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October 9, 2019

It may be difficult but it is possible to save for retirement and your child’s college costs. Make smart choices and you can reach both goals!

A young family takes a late afternoon hike in California.
Pay for big expenses with a Signature Line of Credit
Get access to money quickly with a low fixed rate line of credit so that you can be financially ready for everything life brings.

1 APR = Annual Percentage Rate. All loans are subject to credit approval, restrictions apply, rates are subject to change. Loan rates offered effective 10/28/2022. Patelco offers a range of base rates and discounts that depend on factors such as credit type, credit history, and Patelco account relationship. Actual rates are disclosed to approved applicants in writing prior to loan consummation. The APR range is 10.95% to 14.95% for Signature Line of Credit and Overdraft Protection Line of Credit. Minimum payment is 2% of the unpaid balance or $46.00, whichever is greater. To learn more about rates, terms, and exclusive discounts for members, such as Commitment Household, call 800.358.8228 or visit any Patelco branch.