Welcome AT&T Employees

In 1936, with only $500 assets, a few employees at Pacific Telephone and Telegraph Company (now AT&T) had a dream to create a credit union. A fixture in the Bay Area since then, we are now a full-service, not-for-profit financial cooperative dedicated to helping our members and communities prosper. Although we’ve grown exponentially, our purpose remains with our members; fueling hope and creating opportunities to build financial resiliency and empower them to achieve financial freedom.

As an AT&T employee you’ll enjoy the following AT&T Advantage partner benefits. To take advantage of or ask about these offers, call us at 800.358.8228 and let us know you currently work for or are retired from AT&T.

  • Receive your direct deposited paycheck one day early
  • Exclusive benefit to AT&T
  • Minimum $100 monthly deposit into your Patelco checking account
  • .10% discount applied to the current auto loan rate when you purchase (new or used) or refinance
  • Rates as low as 4.99% APR1
  • Flexible options to meet your needs
  • We’ll give you $100 when you open a checking account with Direct Deposit and sign up for eStatements
  • $0 monthly fee
  • No minimum balance

Additional offers to help you save money

Patelco Points Rewards World Mastercard® credit card

A great option for those who want to earn points on everyday purchases to redeem for travel and merchandise. Benefits include:

  • No annual or balance transfer fees
  • Unlimited Patelco Rewards points that never expire
  • 2 points for every $1 in gas and grocery purchases
  • 1 point per $1 for all other purchases

Apply now >

Patelco Insurance Services

We offer a wide range of insurance options to help you recover quickly when the unexpected occurs. Just tell us what you want to insure and you'll get side-by-side comparisons from multiple providers in minutes.

Shop online or call 844.835.7645 for your free, no-obligation quote.

Complimentary financial consultation

As a Patelco member, you are invited to schedule a complimentary, objective consultation with one of our CUSO Financial Services, L.P. ("CFS")* Financial Advisors. Learn how you can reach your goals during this informative discussion.

Find your local CFS Financial Advisor >

No monthly fee for Healthcare Savings Account (HSA) or Interest Checking Accounts

An HSA can help you save on taxes for your qualified medical expenses and you can earn dividends on your everyday funds with Interest Checking.

Learn more about HSAs >

Get started with Interest Checking >

Free checks

As a member, you’ll enjoy free traveler’s checks and cashier’s checks (up to 6 per year), Your first box of personal checks ($23 value) is also on us!

Free auto buying service

Let us do the work for you. Our auto buying service makes finding the right vehicle easy. Here's how:

  • You skip the hassle and pressure of car dealerships
  • We negotiate the best price for you
  • The process is complete in just two days
  • We deliver the car to your door!

Questions? Call our experts at 800.757.2706.

Quick access to your deposits and one free NSF waiver

  • No check holds on deposits under $5,000
  • One free debit card paid NSF credit per year should you accidentally overdraw your checking account

Patelco 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

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.

Get started

Home search and loan services

Home search and loan services

We cover you from start to finish.


Financial education tools and seminars

Financial education tools and seminars

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

Credit Union

Over 6,000 shared branches

Over 6,000 shared branches

Find the branch nearest you.

Get started
Online banking

Online & Mobile Banking

Online & Mobile Banking

Manage your money securely from virtually anywhere.

Learn more

Member discounts on travel, entertainment and products

Member discounts on travel, entertainment and products

Additional perks to help you save money.

Learn more

Financial Advisor services

Financial Advisor services

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

Learn more

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.