Lifelong financial wellness starts here​

Patelco Credit Union is partnering with your employer to offer a full range of financial services and products. You can expect better rates, low- to no fees to help you save more and do more with your money.

Get started with a Free Checking account and get a $50 bonus.¹ To receive your $50 bonus, you must enter the referral code provided by your employer when you open your account and make a minimum deposit of $100.

We'll also open a savings account for you and deposit your first Patelco share ($1) into your account.

Manage your finances with security and ease:

  • Top-rated Mobile App lets you manage your money on the go
  • Access 30,000+ no-fee ATMs nationwide
  • Pay with confidence with Zero Liability Protection
  • Digital wallets, Zelle®, Bill Pay, remote deposits all at your fingertips
  • Stay on top of your finances with account alerts
  • 1.00% APY on balances up to $2,000.003
  • Tiered interest rates help you earn more when you're just starting out
  • No monthly fees, no minimum balance requirements
  • Unlimited deposits; maximum 3 checks per month
  • Calculate my rate now
  • Rates as low as 9.50% APR4
  • No annual fee
  • No Balance Transfer fee
  • Competitive car loan rates starting at 4.99% APR5
  • Buy new or used car, or refinance and access cash from your existing car
  • If you don’t qualify for the lowest rate upfront, no problem! We’ll automatically lower your rate up to 0.50% APR per year for making 12 months of payments on time, and up to 1.50% APR over the life of your loan6

1 To qualify for the $50 bonus, you must use the employer code provided to open a new checking account (minimum deposit of $100). The $50 reward will be credited to your savings account within 5 business days of the qualifying new account being opened. If you receive $600 or more in prizes from Patelco throughout the year, we’ll send you an IRS Form 1099.

2 Sources: Investopedia

3 APY=Annual Percentage Yield. Rates are valid as of 6/14/2022 and are subject to change after account opening without notice. Interest is paid at tier rates on balances within each tier. Total interest paid is the sum from each tier. Blended APY shown assumes the amount entered is held in the account for one year. Withdrawing funds before one year will result in a different realized rate. No minimum deposit required to open an account. Limit one Money Market Select Account and one Money Market Select IRA Account per account number.

4 Variable APR as of 11/26/2022. Rate adjusts monthly and equals prime rate for previous month plus a margin range based on credit worthiness. Applies to Purchases and Balance Transfers.

5 APR (Annual Percentage Rate). New Auto rates starting at 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 relationship, vehicle mileage, amount financed and vehicle age. Additional discounts may apply. 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 exclusive discounts for members, such as Commitment Household, call 800.358.8228 or visit any Patelco branch.

6 LevelUp 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 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 LevelUp 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.

7 At closing, you have the option to select up to 90 days of deferred loan payments on your new or used auto loan. The actual number of days will depend on the terms of the loan. Interest will accrue on your auto loan beginning on the date the loan is funded and the first payment will be applied to interest accrued from the date the loan is funded to the first payment date and then to principal due.


"Patelco made it super easy to do what we needed to​ do. There’s no red tape. I really could tell the difference​ between Patelco and a big bank because Patelco was​ just so inviting, knowledgeable and treated you like​ family first and foremost.”
- Leo, Patelco Member