Discover the Patelco difference

As a not-for-profit credit union, we don’t worry about making money to increase our bottom line. Instead, our purpose is serving our members. You’ll see and feel our commitment — from fewer fees, lower loan rates, and higher savings returns to our caring and knowledgeable team. We’re ready to meet you where you are in your financial journey with solutions that fit your lifestyle.

When you join Patelco, you become both a member and an owner. A Patelco membership includes this credit union difference, plus additional benefits that are unique to our members. 

Powering your tomorrow
It starts here. When you become a Patelco member, you’ll experience the difference between simply opening an account and opening up a relationship. We’re here to support every aspect of your financial journey. From helping you manage your day to day financial life, to being resilient to life’s ups and downs and seizing opportunities to strengthening your financial future. 

Benefit from some of the best savings rates in the nation

Our members earn more on their savings with products like our 3.00% APY* Money Market Select Account. With no fees or minimum balance, this account enables anyone, from the novice to the experienced saver, to invest in their financial future. 

*3.00% APY on balances up to $2000. Interest earned varies based on balance tiers. 

Get rewarded for on-time payments
We’re always looking for ways to lower your payments and save you money. If you don't initially qualify for our lowest rate on a vehicle, Signature, or Debt Consolidation loan, our Timely Repayment Incentive Program (TRIP) can reduce that rate over time when you make on-time monthly payments. Additional details are below. 

Enjoy community and partner discounts
We’ve partnered with great companies and community organizations to extend special deals exclusive to Patelco members. Why pay full price when your Patelco membership includes special perks like discounts for car rentals, car buying, vacations, and family fun entertainment. 

Here’s some of the many benefits that come with Patelco membership. Scroll down to discover even more benefits. 

  • Truly Free Checking
  • A credit card to fit your lifestyle
  • Auto loans with a concierge, start-to-finish auto buying experience. 
  • Affordable home loans
  • Online banking and the Mobile App with Anywhere Deposit
  • Free Overdraft Protection from your Patelco savings account
  • 36 branches plus access to 6,000+ shared-service branches
  • 30,000 surcharge-free ATMs nationwide

 Explore our services today.


Timely Repayment Incentive Program (TRIP)

Get rewarded for on-time payments
We're always looking for ways to get you the lowest loan rates. So if you don't initially qualify for our lowest rate on a vehicle, Signature, or Debt Consolidation loan, our Timely Repayment Incentive Program (TRIP) can reduce that rate over time when you make on-time monthly payments. These rate reductions can:

  • Reduce the amount of interest charged
  • Help you pay the principal loan balance faster
  • Save you money over the life of the loan

There's no need to enroll; if your new loan qualifies for TRIP, you will automatically be enrolled in the program when your loan funds.

How it works:

  • Make 12 consecutive, on-time monthly payments and your rate will be reduced up to 0.50% APR1 per year for a maximum reduction of 1.50% APR
  • Enjoy up to three rate reductions over the life of the loan
  • The total amount your rate can be reduced depends on the floor rate2 at the time of funding
  • Your monthly payment amount won't change due to the TRIP interest rate reductions

The TRIP discount is tied to making on-time payments, so should you make a late payment, use our "Skip a Payment" feature, or defer a payment due to financial hardship, your TRIP progress is reset and you must complete 12 additional consecutive, on-time monthly payment to receive your next rate reduction. If you are late with two payments, you will be ineligible for any further TRIP discounts.

Every once in a while, I get a letter from Patelco saying that because you have made your payments on time, we're lowering your interest rate! What other bank or business voluntarily gives you a discount and helps you out like that?

T.K., Member since 2013

Patelco Auto Buying Service3

We'll do the work and find you the best car--it's quick and free!

Find your dream car! A great benefit of Patelco membership, our free concierge style 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 can be completed in just two days. It may take longer if you’re looking for a specific used car.
  • In most cases, we deliver the car to your door!
  • There's no fee for Patelco members.

Questions? Call our experts at 800.757.2706 or explore your loan options here.

AutoSMART - search, shop, finance

Put yourself in the driver's seat with a better car buying experience.

AutoSMART is a great online resource that helps you take control of the car buying process, from start to finish.

  • Review thousands of new and used cars
  • Learn the Blue Book value for used vehicles
  • Find local dealerships and request pricing quotes
  • Get pre-approved
  • Easy application and financing
  • All online and free to use!

Auto loan rates as low as 3.29% APR4

Apply today

Enterprise Car Sales

Save big with a certified used vehicle from Enterprise

  • Receive a 1% discount on your Patelco Auto Loan rate4
  • Choose from over 120 makes and models
  • Trade in your old vehicle
  • Competitive and below Kelly Blue Book pricing6
  • 109-point certification inspection7
  • 12-month roadside assistance8
  • Free CARFAX® vehicle history reports™

Shop and save an additional 1.00% off your Patelco Auto Loan5

Save Today

Car rental discounts

Savings and convenience for Patelco members


  • Save up to 25%9
  • Quick self-check in


  • Discounts off regular rates
  • Free rental pick-up and drop-off10


  • Save up to 25%9
  • Quick self-check in

Xoom™ global money transfer

Send money quickly and securely online

  • Send money to over 60 countries
  • Select delivery by direct bank deposit, home delivery or cash pickup.
  • Enjoy reliable service with a money-back guarantee.

Monterey Bay Aquarium tickets

Enjoy discounted tickets, for Patelco members and your guests

  • Purchase in advance
  • Save time when you arrive


Dish Network

  • Free satellite TV installation
  • $100 gift card

Get Away Today

Save on your next vacation with exclusive Patelco member discounts.

National Credit Union Administration (NCUA) insurance

Rest easy knowing your money is protected against loss.

  • The National Credit Union Administration (NCUA) is an independent agency of the U.S. government that regulates federal credit unions.
  • Insurance is automatic with a Patelco membership--there's no need to sign up.
  • All individual members are insured with $250,000 of coverage.

More about the NCUA >

1. APR = Annual Percentage Rate.

2. Effective for applications on or after 4/22/14, the Timely Repayment Incentive Program (TRIP) is offered to members who are approved for the following loans at Patelco's credit tier 2 or higher: auto, motorcycle, RV, boat, and personal loans, excluding Seasonal Loans and all lines of credit. Total discount of up to 1.50% APR (Annual Percentage Rate) applied in 0.50% APR increments for every 12 consecutive on-time monthly payments. Maximum discount will never cause the final APR to be lower than the floor rate for the specific loan and term at time of funding. Monthly payment amount remains constant, with additional money going toward principal, which shortens the term of the loan and the total amount paid over the life of the loan.

3. Available for California residents only.

4. APR (Annual Percentage Rate). Auto rates as low as 3.29% APR effective 11/28/2018; 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 12.09% APR. To learn more about rates, terms and available discounts, call 800.358.8228, visit, or visit any Patelco branch. Loan payment example: $22.30 per month per $1000 borrowed at 3.29% APR for 48 months.

5. APR (Annual Percentage Rate). 1.00% off current Patelco Credit Union rate with a max loan term of 60 months. Current rate will vary based on credit worthiness and terms. Financing for qualified Patelco Credit Union members. Offer valid only on Enterprise Car Sales vehicles purchased from 11/1/2018 - 12/31/2019. This offer cannot be combined with any other offer other than those listed in this advertisement.

6. Price does not include tax, title, tags, governmental fees, any emissions testing charges, and any finance charges (if applicable). Unless otherwise stated separately in the vehicle details, price does not include processing, administrative, closing or similar fees of $149 or less. Vehicles subject to prior sale. We make every effort to provide accurate information including but not limited to price, miles and vehicle options, but please verify with your local Enterprise Car Sales location before purchasing. Current mileage may vary due to test drives and vehicle relocation. Used vehicles were previously part of Enterprise short term rental, lease fleet or purchased by Enterprise from other sources including auto auctions, with previous use possibly short term rental, lease or other.

7. Enterprise Certified.™ Each Vehicle goes through a rigorous inspection by an ASE-certified technician. Restrictions apply. For details, see an Enterprise Car Sales Manager.

8. Enterprise 12-Month Unlimited Mileage Roadside Assistance Package is provided by the American Automobile Association (AAA) and its affiliated clubs in the United States and Canada. Some limitations & restrictions apply.

9. Discount applies to base rate only. Up to 25% discount applies to participating locations. Discount varies by rental date, location and vehicle type. Taxes other governmentally-authorized or imposed surcharges (including GST), license and concession recoupment fees, airport and airport facility fees, fuel, additional driver fee, one-way rental charge and optional items (such as CDW/LDW up to US $30 per day) are extra. In the US check your insurance and/or credit card for rental vehicle coverage. Renter must meet standard age, driver and credit requirements. 24-Hour advance reservation required. May not be combined with other discounts. Availability is limited. Subject to change without notice. Blackout dates may apply. Void where prohibited.

10. Pick-up is subject to geographic and other restrictions.

Become a member today!

Patelco Membership

Join our community and gain a financial partner for life.