Flexible, fast and affordable options

Competitive Low Rates

Different Loans For Your Needs

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Debt & Loan Protection2

Debt and Loan Protection

Signature Loan

A flexible unsecured loan for any need.

  • A smart option for things like unexpected car or home repairs
  • Borrow up to $25,000
  • Terms up to 5 years
  • Rates as low as 9.90% APR1
  • Fixed, low rates and payments
  • No prepayment penalties or finance charge refund for early payment
  • Skip-A-Pay program available2
  • Free credit report and financial support services

 

Debt Consolidation Loan

Combine multiple debts into one easy payment.

  • Borrow up to $25,000
  • Terms up to 5 years
  • Rates as low as 9.90% APR1
  • No prepayment penalties or finance charge refund for early payment
  • Skip-A-Pay program available
  • Free credit report and financial support services

Overdraft Protection Line of Credit

Get easy, worry-free protection up to $500 on your Patelco checking account.

  • A great way to increase spending power between paychecks
  • $500 credit limit (can be increased upon request)
  • Only pay interest on the amount you use
  • Rates as low as 9.40% APR1
  • No monthly, cash advance, or usage fees
  • Skip-A-Pay program available2
  • Helps build or rebuild credit when payments are made on time

Signature Line of Credit

Affordable funds when you need them.

  • Great option when you need cash flow flexibility
  • Payments based on amount borrowed
  • Up to $25,000 credit limit
  • Rates as low as 9.90% APR1
  • No prepayment penalties
  • Skip-A-Pay program available2
  • Access your funds online, by ATM, by phone, or at a local branch
  • Free credit report and financial support services

Savings Secured Loan

Savings become a smart loan choice

  • Borrow up to 100% of the funds in your Patelco savings account
  • Terms up to 5 years
  • Rates as low as 2.40% APR1
  • Fixed interest rate (based on credit approval)
  • No prepayment penalties
  • Skip-A-Pay program available2
  • Free credit report and financial support services

Certificate Secured Loan

Leverage your Certificate for a loan

  • Borrow up to 100% of the balance on any Patelco Certificate
  • Terms up to 5 years
  • Check rates
  • Fixed interest rate (based on credit approval)
  • No prepayment penalties
  • Skip-A-Pay program available2
  • Free credit report and financial support services

Computer Loan

Get hardware, software, and even mobile devices.

  • Borrow up to $7,500
  • Terms up to 5 years
  • Rates as low as 8.80% APR1
  • Lower rates and terms for loans up to $2,500
  • No prepayment penalties
  • Skip-A-Pay program available2
  • Free credit report and financial support services

Back to School Loan

Gain quick access to the funds necessary to prep for the upcoming school year with one low rate and flexible terms.

  • Borrow up to $3,000
  • Terms up to 3 years
  • Rates as low as 6.99% APR1
  • Competitive, fixed interest rate (based on credit approval)
  • No prepayment penalties
  • Skip-A-Pay program available2

DEBT CONSOLIDATION LOAN

Make one easy payment

Combine multiple debts into one monthly payment

Borrow up to $25,000

Terms up to 5 years

APPLY TODAY

SIGNATURE LOAN

For anything you need

Fixed, low rates and payments

Borrow up to $25,000

Terms up to 5 years

APPLY TODAY

SIGNATURE LINE OF CREDIT

For backup funds

Payments based on amount borrowed

Up to $25,000 credit limit

Terms up to 5 years

APPLY TODAY

OVERDRAFT LINE OF CREDIT

For accidental overage on checking

Only pay interest on the amount you use

$500 credit limit (can be increased upon request)

No monthly, cash advance, or usage fees

APPLY TODAY

SAVINGS SECURED LOAN

Borrow against savings

Fixed interest rate (based on credit approval)

Borrow up to 100% of the funds in your Patelco savings account

Terms up to 10 years

APPLY TODAY

CERTIFICATE SECURED LOAN

Borrow against a CD

Fixed interest rate (based on credit approval)

Borrow up to 100% of the balance on any Patelco Certificate

Terms up to 5 years

APPLY TODAY

COMPUTER LOAN

For all your tech needs

Lower rates and terms for loans up to $2,500

Borrow up to $7,500

Terms up to 5 years

APPLY TODAY

Calculate my loan payment

Should I consolidate my personal debt into a new loan?

Determine how quickly you could get out of debt and how much interest you might save. Check out the calculator.

Simple, secure benefits

No minimum balance

No Prepayment Penalties

No Prepayment Penalties

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
Check Mark

No application fees

No application fees

No application fees

Bill Pay

Unlimited Online Bill Pay

Unlimited Online Bill Pay

Flexibility to bay your bills online quickly and securely

Education

Financial education tools and seminars

Financial education tools and seminars

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

Learn more
No penalty

Quick and easy loan application

Quick and easy loan application

Quick and easy loan application

All loans are subject to credit approval, restrictions apply, rates are subject to change. Loans are offered on a limited-time basis and can be withdrawn or modified at any time without notice.

* Annual Percentage Rate on approved credit. Overdraft Line of Credit may be offered automatically when a new checking account is opened in a Patelco branch. Not currently available online. Rates range from 9.90% to 14.00% depending on qualifying Qualifile and FICO credit scores.

1.APR (Annual Percentage Rate). Loan rates offered effective 5/23/2018 and are subject to credit approval. APRs range based on factors including credit type, loan term, Commitment Household/account relationship and applicant credit worthiness/score. Loan terms are based on various factors, including the amount financed. Actual rates are disclosed to approved applicants in writing prior to loan consummation. Offered rates subject to change. For more information, visit any Patelco branch, our website at www.patelco.org or call 800.358.8228.

Loan payment examples:

Signature Loan:

$21.20 per month per $1,000 borrowed at 9.90% APR for 60 months

Debt Consolidation Loan:

$21.80 per month per $1,000 borrowed at 10.90% APR for 60 months

Computer Loan:

$45.60 per month per $1,000 borrowed at 8.80% APR for 24 months


2. A $25 fee will be added to the loan balance when Skip-A-Pay is used.

 

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