AT&T Advantage

All product/service offers, conditions, and approvals are subject to the same guidelines found in the Patelco Member Handbook and Master Account Disclosure, and may change at any time without notice.

1. APR (Annual Percentage Rate). Auto rates as low as 4.99% APR effective 11/18/2022; subject to change without notice. Patelco offers a range of base rates and discounts that depend on factors such as credit history, loan term, Patelco account and loan balances, program designation and vehicle age. Actual rates are disclosed to approved applicants in writing prior to loan consummation and may be as high as 17.99% APR. To learn more about rates, terms and available discounts, call 800.358.8228, visit patelco.org, or visit any Patelco branch. New Auto loan payment examples: 0‑48 months: $23.08 per month per $1000 borrowed at 4.99% APR for 48 months; 49‑66 months: $17.44 per month per $1000 borrowed at 5.09% APR for 66 months; 67‑72 months: $16.33 per month per $1000 borrowed at 5.39% APR for 72 months; 73‑84 months: $14.60 per month per $1000 borrowed at 5.89% APR for 84 months. Used Auto loan payment examples: 0‑48 months: $23.20 per month per $1000 borrowed at 5.24% APR for 48 months; 49‑66 months: $17.56 per month per $1000 borrowed at 5.34% APR for 66 months; 67‑72 months: $16.54 per month per $1000 borrowed at 5.64% APR for 72 months; 73‑84 months: $14.69 per month per $1000 borrowed at 6.09% APR for 84 months.
2. California properties originated and serviced by Patelco, NMLS ID #506373. Non-California properties and FHA/VA mortgages are provided by Freedom Mortgage Corporation (NMLS ID: 2767) through a partnership with Patelco Credit Union. Does not apply to equity loan products. Limited to current employees and retirees of AT&T. Subject to underwriting approval. Offer subject to change without notice.
3. Checking bonus available for new checking accounts only. Bonus offer available for one checking account per individual. $100 bonus will be credited to your account after 90 days of opening a new checking account and starting direct deposit of $100 or more per month and eStatements. Bonus subject to 1099 IRS reporting. Limit one (1) account bonus per AT&T Advantage member.All Patelco memberships require a savings account to be opened.
4. Insurance products are not deposits of Patelco Credit Union and are not insured by the NCUA. They are not guaranteed by Patelco Credit Union and may be subject to risk. Any insurance required as a condition of an extension of credit by Patelco Credit Union need not be purchased from Patelco Insurance Services and may be purchased from an agent or an insurance company of the member's choice. Patelco Insurance Services is a subsidiary of Patelco Credit Union. Insurance products offered by Patelco Insurance Services, a California insurance agency (License #0C97544). Any complaints may be filed with the California Department of Insurance, www.insurance.ca.gov.
5. 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.
6. Auto Buying Service is only for California Patelco members.