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Rates starting at

5.00% APR1

as of 6/10/2022

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Insurance & Protection2

Overdraft Protection
  • Fixed boat loan rates starting at 5.00% APR1
  • Purchase from a licensed dealer, a private party, or refinance your existing loan
  • Available for new and used boats (2012 and newer)
  • Loans starting at $15,000 for 61 to 72 month terms
  • Longer terms up to 15 years available for amounts over $50,000
  • No prepayment penalties
 
  • Motorhome loan rates starting at  5.00% APR1
  • Purchase from a licensed dealer, a private party, or refinance your existing loan
  • Available for new and used motorhomes (2012 and newer)
  • Loans starting at 15,000 for 61 to 72 month terms
  • Longer terms up to 15 years available for amounts over $50,000
  • No prepayment penalties
  • Trailer loan rates starting at  5.00% APR1
  • Purchase from a licensed dealer, a private party, or refinance your existing loan
  • Available for new and used travel trailers (2012 and newer)
  • Loans starting at $15,000 for 61 to 72 month terms
  • Longer terms up to 15 years available for amounts over $50,000
  • No prepayment penalties
  • Motorcycle loan rates starting at 5.45% APR2
  • Purchase from a licensed dealer, a private party, or refinance your existing loan
  • Available for new and used motorcycles (2012 and newer)
  • Flexible terms up to five years
  • No prepayment penalties

Smart, simple loan benefits

Motorcycle

Loans for New or Used Vehicles

Loans for New or Used Vehicles

We'll work with you and make the entire buying process easier.

No penalty

Flexible Terms

Flexible Terms

Everyone's situation is different. We have options to fit your needs.

No minimum balance

No Prepayment Penalty

No Prepayment Penalty

We won't charge you for paying off your loan early.

Online banking

Online & Mobile Banking

Online & Mobile Banking

Manage your money securely from virtually anywhere.

Learn more
Automatic Payments

Set-up Automatic Payments

Set-up Automatic Payments

Stay on top of due date and never worry about missing a payment.

Education

Free Financial Education Services

Free Financial Education Services

Our mission is to help you build your financial well-being.

Learn more

Protect more, save more, sleep better

Services to help you stay secure

Peace of Mind Debt & Loan Protection3

Call us at 800.358.8228

Explore Patelco Insurance Services4

Save with Our Commitment Household Discount

  1. APR (Annual Percentage Rate). Motorhome, travel trailer and boat rates as low as 5.00% APR effective 6/10/2022 . Loan rates are subject to change without notice and subject to credit approval. Patelco offers a range of rates that depend on factors such as credit history, loan term, mileage, Patelco account and loan balances. Additional .50% added to rate for mileage over 100k (with a maximum mileage at 125k). Maximum of 20 years combined based on vehicle model year + loan term. Actual rates are disclosed to approved applicants in writing prior to loan consummation and may be as high as 17.00% APR. To learn more about rates, terms and available discounts, call 800.358.8228, visit patelco.org or visit any Patelco branch. Loan payment example:60 months: $18.92 per month per $1000 borrowed at 5.00 APR; 72 months: $16.38 per month per $1000 borrowed at 5.50% APR; 84 months: $14.41 per month per $1000 borrowed at 5.50% APR; 120 months: $11.14 per month per $1000 borrowed at 6.00% APR;180 months: $8.74 per month per 1000 borrowed at 6.50% APR 

  2. APR (Annual Percentage Rate). Motorcycle rates 5.45% APR effective 6/10/2022. Loan rates are subject to change without notice and subject to credit approval. Patelco offers a range of rates that depend on factors such as credit history, loan term, Patelco account and loan balances. Actual rates are disclosed to approved applicants in writing prior to loan consummation and may be as high as 16.00% APR. To learn more about rates, terms and available discounts, call 800.358.8228, visit patelco.org or visit any Patelco branch. Loan payment example:60 months: $19.12 per month per $1000 borrowed at 5.45% APR

  3. This product is optional. Your purchase of Debt Protection is optional. Whether or not you purchase this product will not affect your application for credit or the terms of any existing credit agreement you have with us. Additional disclosures: We will give you additional information before you are required to pay for Debt Protection. This information will include a copy of the contract containing the terms and conditions of Debt Protection. Eligibility requirements, conditions and exclusions: There are eligibility requirements, conditions, and exclusions that could prevent you from receiving Debt Protection benefits. You should carefully read your Debt Protection contract for a full explanation of the terms and conditions of the Debt Protection program.

  4. Insurance products are not deposits of Patelco Credit Union and are not insured by the NCUA. They are not guaranteed by Patelco Credit Union and may be subject to risk. Any insurance required as a condition of an extension of credit by Patelco Credit Union need not be purchased from Patelco Insurance Services and may be purchased from an agent or an insurance company of the member's choice. Patelco Insurance Services is a subsidiary of Patelco Credit Union. Insurance products offered by Patelco Insurance Services, a California insurance agency (License #0C97544). Any complaints may be filed with the California Department of Insurance, www.insurance.ca.gov.