Who we are

Back in 1936, with only $500 assets, a few employees at Pacific Telephone and Telegraph Company (now AT&T) had a dream to create a credit union. A fixture in the Bay Area since then, Patelco Credit Union is now a full-service, not-for-profit financial cooperative dedicated to helping our members and communities prosper. With $6 billion in assets and over 325,000 members nationwide, we are one of the largest credit unions in the nation. Although we've grown exponentially, our purpose remains with our members: Fueling hope and creating opportunities to build financial resiliency and empower them to achieve financial freedom.

In keeping with our mission, our corporate giving and outreach philosophy focuses on everyday, basic needs like hunger, housing and children's health. We believe that supporting these everyday needs that help folks manage their day-to-day financial lives more comfortably, helps put them on a path towards financial well-being. In addition to corporate support, Patelco employees regularly volunteer and contribute to local organizations that fit our outreach philosophy.

We're proud to serve communities across Northern California, including the Bay Area, Sacramento and San Jose, as well as the employees of over 1,100 large and small businesses throughout the United States. We look forward to meeting you soon!

  1. We're on your schedule, 24/7

    We know hardworking people don't usually keep 9 to 5 hours. You'll have quick access to your money when it works for you. Choose from 36 local branches, over 30,000 ATMs, and over 6,000 shared branches nationwide. We also offer all the latest in online, mobile and phone banking services - with no hidden fees or charges.

  2. Loan solutions for every stage of life

    Whether you’re just getting started and need to build credit or you’re ready to buy your dream home, we have you covered. We’re here to make it simple and transparent when you’re looking for a great home loan, home equity loan, auto loan, personal loan, credit card, or a home equity line of credit.

  3. Plan. Save. Succeed. Repeat.

    We offer more than just great rates. We are vested in helping members create smart savings plans: From retirement, to college or just a rainy day. By matching the right products to your needs, from several types of money market accounts and, to a variety of IRAs, we'll help you get where you're going.

  4. Financial advice to fuel your dreams

    Our CFS Financial Advisors'1 first priority is you, not collecting fees. Talk with us about our many different investment and insurance options. All consultations are free with no obligations of any kind. You can make an appointment with one of our licensed financial advisors at any Patelco branch.

  5. A passion for personal service

    Our "People, Not Profits" philosophy is part of everything we do. We're dedicated to providing the highest level of service in our branches, on the phone, online, and wherever we can help you make the most of your financial future. After all, since Patelco is member-owned, we truly do work for you.

Non-deposit investment products and services are offered through CUSO Financial Services, L.P. ("CFS"), a registered broker-dealer (Member FINRA / SIPC) and SEC Registered Investment Advisor. Products offered through CFS: are not NCUA/NCUSIF or otherwise federally insured, are not guarantees or obligations of the credit union, and may involve investment risk including possible loss of principal. Investment Representatives are registered through CFS. Patelco Credit Union has contracted with CFS to make non-deposit investment products and services available to credit union members.