Smart solutions for our most valued members

We’re grateful for your loyalty and want to help you reach your financial goals with some of the best rates around.

New Auto Loans

Affordable terms and rates on autos as low as 5.74% APR.1

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Money Market Plus

Easy access to federally insured savings rates as high as 4.00% APY.2

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1 APR (Annual Percentage Rate). New Auto rates starting at 5.74% APR effective 05/01/2025; 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. New Auto loan payment example: $23.68 per month per $1000 borrowed at 6.29% APR for 48 months.

2 APY=Annual Percentage Yield. Rates are effective as of 06/01/2025 and are subject to change before or after account opening without notice. Rates vary by tier and apply to the full balance. The following variable interest rates will apply to your account balance: 4.00% APY on balances of $250,000.00 or greater, 3.75% APY on balances between $100,000.00 and $249,999.99, 3.51% APY on balances between $50,000.00 and $99,999.99, 3.00% APY on balances up to $49,999.99. In order to attain high interest rates, the account must meet the eligibility requirements, that is a Patelco checking account (opened under the same Member Number) with a total monthly deposit of $500 or more. If the account fails to meet eligibility, the lower interest rate of 0.05% will be defaulted for that month. Qualifying deposit transactions include: Payroll direct deposits, Social Security (or other government benefit) direct deposits, ACH transfers, Zelle®, Venmo, PayPal or other similar deposits, cash deposits, check deposits (except checks written from another Patelco account), wire transfers, multiple deposits (of the types listed above) that add up to at least $500 in a calendar month. Qualifying deposit transactions do not include Patelco account to Patelco account transfers, chargebacks, or promotional incentive payments from Patelco.