How do I become a member?

At Patelco, we want to make meeting your financial goals possible. There's no fee to join and your membership includes a free savings account with $1 deposited to get you started. Got questions? Call us at 800.358.8228.

To join us, you'll need:

  • Social Security number
  • Driver’s license or government ID
  • Current home address
  • Credit card or external bank account to fund your new account (only for accounts opened online)

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What makes Patelco different?

We’re with you every step of the way. Our dedicated team is inspired by the belief that we can and do make a difference in people’s lives every day. It’s why everything we do is designed to improve the financial well-being of our members. And it’s why you’ll find significantly better rates, lower fees and best-in class products.

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Membership eligibility

We are proud to offer Patelco membership to so many people. Our inclusive approach means you only need to meet one of the following criteria to join us:

Live, work, attend school or worship in one of these eligible locations.


  • Alameda
  • Contra Costa
  • El Dorado
  • Marin
  • Merced
  • Napa
  • Placer
  • Sacramento
  • San Francisco
  • San Joaquin
  • San Mateo
  • Santa Clara
  • Solano
  • Sonoma
  • Stanislaus
  • Yolo


  • Bakersfield
  • Eureka
  • McKinleyville
  • Santa Cruz

Be enrolled or an alumni of these universities

  • University of California Berkeley
  • San Francisco State University
  • California State University East Bay

Be employed by a Patelco sponsor company
We serve over 1,100 member companies or associations. See if yours is one of them:

More ways to be eligible

  • You're a surviving spouse or child of a deceased employee-eligible member.
  • You're a family member or roommate of a current Patelco member.
  • Become a member of the Financial Fitness Association (FFA) with a free one-year membership. FFA is a non-profit that improves people’s well-being with financial knowledge and tools. Call 800.358.8228 or visit a branch to take advantage of this.1

Have membership questions? We'd like to hear from you.

  • Call 800.358.8228 
  • Visit one of our neighborhood branches

Membership benefits

Check Mark

Loans for every stage and need

Loans for every stage and need

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

No penalty

Member discounts on travel, entertainment and products

Member discounts on travel, entertainment and products

Additional perks to help you save money

Explore member discounts

Financial Education Tools and Seminars

Financial Education Tools and Seminars

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

Learn more
Credit Union

Over 6,000 shared branches

Over 6,000 shared branches

Find the branch nearest you

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Personalized service

Personalized service

We're here to support every aspect of your financial journey


30,000+ Fee-free ATMs nationwide

30,000+ Fee-free ATMs nationwide

Find the ATM location nearest you

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Financial advisor services

Financial advisor services

Our Financial Advisors take the time to listen to your unique needs

Learn more

Home search and loan services

Home search and loan services

We cover you from start to finish

Online banking

Online & Mobile Banking

Online & Mobile Banking

Manage your money securely from virtually anywhere.

Discover mobile banking

Get even more from membership as a Commitment Household member

Just meet one of these options2:
Option 1. Maintain one:

  • A first or second mortgage balance or
  • A HELOC that is open and active within the past 12 months

Option 2. Maintain all:

  • An active Checking or Credit Card account
  • An average daily balance of $3,000 in a Savings account or combined Savings accounts.
  • An active loan. Eligible loans: Auto or Mortgage loan (within the last two years), an unsecured loan or credit card (with activity in the past 12 months)

Option 3. Maintain:

  • A $50,000 or more monthly balance in or across Savings accounts. Eligible accounts: Tiered Savings, Checking, or Money Market

Enjoy extra benefits with a Commitment Household Membership

Go fee-free, and more!

The convenience of:

  • No fees at non-Patelco ATM’s

No fee and no minimum balances for:

  • Savings
  • Interest Checking
  • Health Savings Accounts
  • Cashier's Checks
  • Domestic wire transfers

And, you’ll also get:

  • A .10% new consumer loan discount3
  • Access to limited-time special offers

1. Patelco will pay for your initial FFA membership fee, giving you a whole year of access to their podcasts, articles and resources. After the first year, renewal of the FFA membership is your responsibility and is not required to maintain your Patelco membership.

2. Qualifications for Commitment Household status must be met on a continuous basis. If it appears you must take steps to retain your status, you will be alerted via messages on your monthly statement and inside Online Banking. You will have a grace period to bring your household to Commitment level before you are removed from the program. Patelco will periodically evaluate all members' financial relationships to ensure that they are consistently meeting the requirements.

3. Discount does not include credit cards and home loans.