Ready to make the switch?

Just the facts

Patelco has been helping Bay Area residents and communities thrive financially for over 75 years. Today, with more than $3.8 billion in assets, 270,000 members, and 40 Northern California branches, we’re a full-service, not-for-profit credit union dedicated to offering personalized banking services and rates that beat the big banks.

Get big bank convenience with credit union values.

Big banks aren’t the only ones who offer online and mobile account management. So do we – along with the not-for-profit “people helping people” values and attentive, personalized service you get from a credit union. With our convenient Online and Mobile Banking services, you can enjoy all the convenience you’d get at a bank – Even deposit checks from your iPhone® or Android™ phone!1 And did we mention that our Free Checking account is really free?

Join Patelco and get that anywhere access to your accounts whether you take out a loan with us, or choose us for your day-to-day banking needs.

Start with a loan Start with a deposit account

To talk to a Patelco representative about the benefits of membership, call 888.480.9834.

Once you join, all you have to do is set up your Online Banking account, and you’re on your way to accessing and managing your accounts at home or on the go:

Anywhere Deposit – Deposit funds by sending images of your checks from your iPhone and Android phone or personal computers.2
Popmoney™ – Pay Other People just by sending the payee’s information with a text or an email.
iPhone and Android Apps – View balances, transfer funds, pay bills online, locate branches, check rates, and find ways to contact us.
Account Alerts – Protect yourself from potential fraud and manage your balances by receiving email or text message notifications of your account activities.
Bill Pay – Pay your rent, mortgage, utilities, credit card, car bills, and more – without the stamps, paper checks, or envelopes.
Text Message Banking – Quickly check balances, find out when credit card payments are due, and more by sending us text commands from your cell phone.
Mobile Banking – Don’t have an iPhone or an Android? You can still get that anytime-access to all the same account information and services wherever you can get an Internet connection by visiting

More reasons our members love Patelco:

  • Auto loan rates as low as 1.99% APR3 and our special free auto buying service
  • 30-year fixed mortgages as low as 3.397% APR4
  • Credit cards as low as 8.15% APR5 with 1% cash back6 and other rewards
  • High earnings on investment accounts like our 5.00% APY7 New Member CD
  • Access to our nationwide network of 30,000+ surcharge-free ATMs, including those at Costco and 7-Eleven stores.
  • Personalized service at one of our 40 full-service branches or 6,000 shared service centers
  • Free checking that’s really free!

Patelco membership is free!

Start with a loan Start with a deposit account
  1. iPhone®,iPod®, and iPad® are registered trademarks of Apple Inc. GOOGLE and Google Play is a trademark of Google Inc. Android™ is a registered trademark of Google, Inc.
  2. Members must meet certain criteria to be eligible to deposit checks remotely using Anywhere Deposit.
  3. Auto rates as low as 1.99% APR (floor rate) effective 11/16/2012; 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 13.69% 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.
  4. Rate as of 11/19/2012, shown at 80% loan-to-value (LTV) and does not include any applicable closing costs or fees. Your rate may be different than what is shown. Please use the Choose Rates feature on our application page for a more exact rate.
  5. Annual Percentage Rate. Subject to credit approval.
  6. 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 Tiered Savings account.
  7. The Dividend Rates and Annual Percentage Yield are effective as of 11/16/2012, and are subject to change at any time. Minimum deposit $1,000, maximum deposit $1,000. Rate is 4.98%. Term is 12 months. At maturity the certificate will renew at Patelco’s current yield for a regular 12-23 month share certificate. Penalty for early withdrawal. Available for a limited time. Funds deposited to this account
    must come from an institution other than Patelco. Account available to new members only-must open a new membership. One certificate per member.