Patelco Membership

How do I become a member?

At Patelco, we want to make your financial goals possible. There's no fee to join and your membership includes a free savings account with $1 already deposited to get you started. 

To join us, you'll need:

• Social Security Number*
• Driver’s license or government ID*
• Current home address*
• Credit card or bank account and routing number to fund your account

Join us >

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.

Join us >

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.

Counties:

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

Cities:

• 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

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!

Benefits
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 discount¹
• Access to limited-time special offers