Your path to financial freedom.

Let's travel it together.
We can help you manage your day-to-day finances more simply, so you can plan and save like never before. You'll be ready for life's ups and downs and to build a future full of opportunities on your resilient foundation.

As one of the largest credit unions in the US, we offer convenient access to nationwide ATM's and branches, and a digital banking service that puts it all in the palm of your hand.

There's no fee to join--just open an account today and start saving!

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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.

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

  • Call 800.358.8228
  • Stop by a branch

What you'll need to apply

If you’re ready to join us, have the following information ready. If you’re applying for a Joint account, we’ll need this information for all applicants.

  • Social Security Number or Individual Tax ID Number
  • A valid form of State identification (current ID card or driver’s license)

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

Learn more

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 Finanical 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.

Learn more

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
  • Travelers Checks
  • Cashier's Checks
  • Domestic wire transfers

And, you’ll also get:

  • A .10% new consumer loan discount1
  • Access to limited-time special offers

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

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

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.

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