thank you! The 2013 Member Giveback has ended

A big thank you to all of our members for making 2012 a record year and for taking advantage of the savings and special events offered in 2013 as part of The Member Giveback. We look forward to continuing to provide financial products and services that meet your needs in 2014 and beyond. If you’d like to know more about the loans and credit cards featured in The Member Giveback, click one of the Learn More buttons below.

Auto Loan

  • Up to .25% off for using our free auto buying service
  • Up to .50% off for putting down 20% or more
  • Up to .10% off for being a Commitment Household member or financing through a CUDL dealer
As always you get:
  • Rates as low as 1.99% APR1
  • The same low rate for new, used, and refi
  • No fees or rate hikes on refinancing or buying used
  • Our free auto buying service2
Learn More

Credit Card

  • UChoose® Rewards points for Visa Gold, redeemable for merchandise, travel rewards, gift cards, and even cash3
  • 1% cash back on all qualifying purchases with our Visa Platinum4
As always you get:
  • Variable rates as low as 8.15% APR5
  • No annual fees
  • Limits up to $25,000
Learn More

Home Loan

  • Special reduced rates on high balance home loans that might otherwise be jumbo loans
  • Free biweekly payment option on our new 5/5 ARM
As always you get:
  • Among the lowest rates and fees in the industry
  • An on-time close on your home purchase or we’ll make your 1st month’s mortgage payment6
Learn More

The 2013 Member Giveback offers were:

0.50% off Auto
loan rates

Get 0.50% off your rate for a new or used auto loan, or refi an existing loan

No balance transfer fees for 90 days on new credit cards

Pay no balance transfer fees for the first 90 days on a new credit card

Home loan Lender
Fee waived

Get the Lender Fee waived on a new Patelco First Mortgage – purchase or refi – up to $735 (CA only)

Member Giveback Events

Attend one of our branch celebrations: food, fun, and the chance to win $10,000


The Member Giveback and all associated special offers have ended. The disclosures below are not to be considered current for any products or services opened after 12/31/13. Please see individual product pages on for current offers and details.

All loans and credit cards offered on approved credit; standard lending guidelines apply. The Member Giveback offers are available effective 7/15/13 for all current Patelco members in good standing who joined on or before 12/31/2012. Offers may change at any time without notice, are not retroactive, and will end no later than 12/31/2013. Auto loan may not be a refinance of an existing Patelco loan and must be funded by 12/31/2013 to be eligible for the discount, and regardless of total auto loan discount amount(s) no approved rate will go below the floor rate at the time of funding. Credit card must be opened by 12/31/2013 and balance transfers are available up to your approved credit limit for 90 days from card opening. Patelco is an Equal Housing Lender, NMLS ID #506373. Lender fee of up to $735 on new first mortgage conventional loans for California properties will be credited back to the applicant at the time of funding, if the fee was charged; loan must fund before 12/31/2013 to receive this credit. Title, Escrow, Appraisal, Credit Report, and other mortgage lending fees and taxes still apply.

  1. APR (Annual Percentage Rate). Auto rates as low as 1.99% APR (floor rate) effective 02/28/2013; subject to change without notice. Patelco offers a range of base rates and discounts that depend on factors such as credit history, loan term, purchase channel, Patelco account and loan balances, vehicle age and fuel efficiency. Actual rates are disclosed to approved applicants in writing prior to loan consummation and may be as high as 17.69% APR. Regardless of discount qualifications, no approved applicant’s rate will be lower than the then-current floor rate. To learn more about rates, terms and available discounts, call 800.358.8228, visit, or visit any Patelco branch. Loan payment example: $17.53 per month for each $1,000 borrowed at 1.99% APR for 60 months.
  2. Patelco Auto Buying Service provided by Member’s Advantage Plus, a California licensed dealer. Available for California residents only. All new cars arranged for sale are subject to price and availability from the selling franchised new car dealer. Standard credit guidelines apply for lending.
  3. $25 annual fee to opt-in. Subsequent annual fees will be charged on your opt-in anniversary date, Commitment Households not excluded. Qualifying purchases must be signature-based, internet, or phone transactions. No ATM, PIN, or cash advances will qualify for points, nor will casino cash, Western Union, or money order purchases.
  4. 1% Cash Back available on the Patelco Visa Platinum credit card. Rebate to be paid is calculated each year on November 15 and paid shortly thereafter in the form of a deposit to the cardholder’s Regular Savings account.
  5. APR (Annual Percentage Rate) represented is the lowest rate available on a Patelco credit card, the Patelco Visa Platinum, which comes with a variable rate. Offered on approved credit only. Click here for complete card and rate details.
  6. Closing date must be stated at application and on the original purchase contract. Available on all eligible and qualified 1st lien owner-occupied, purchase transactions closed and funded by Patelco in California. Other terms and conditions apply. For details visit or see a Patelco Home Loan Consultant. Not a lending guarantee.