Explore Patelco's competitive rates
From our Checking and Savings accounts to loans and credit cards, our goal is to help you save as much as possible. Use the tabs below to explore our latest rates and to apply.
Find Your Rate
Money Market Plus Money Market Select Interest Checking Savings & ScoreUp Savings Health Savings Accounts
Checking Requirements Met2 Checking Requirements Met2 | Min Balance | Max Balance | APY1 | Dividend Rate3 | Dividends Paid | ||||
|---|---|---|---|---|---|---|---|---|---|
| 25664 | 1 | Yes | $250,000.00 | N/A | 4.00 | 3.93 | Monthly | 06/01/2025 | 30,000+ fee-free ATMs |
| 25655 | 2 | Yes | $100,000.00 | $249,999.99 | 3.75 | 3.69 | Monthly | 12/01/2023 | 4.50% APY1 |
| 25661 | 3 | Yes | $50,000.00 | $99,999.99 | 3.51 | 3.45 | Monthly | 12/01/2023 | |
| 25658 | 4 | Yes | $1.00 | $49,999.99 | 3.00 | 2.96 | Monthly | 12/01/2023 | |
| 25647 | 5 | No | $1.00 | N/A | 0.05 | 0.05 | Monthly | 12/01/2023 |
| Term | Tier | Min. Balance Min Balance | Max Balance | APY1 | Rate | Dividends Paid | |||||
|---|---|---|---|---|---|---|---|---|---|---|---|
| 17990 | 1 | None | 1 | $0.00 | $2,000.00 | 2.00 | 1.98 | Monthly | 08/01/2024 | ||
| 18641 | 2 | None | 2 | $2,000.01 | $5,000.00 | 1.50 | 1.49 | Monthly | 12/01/2022 | $1 | 30,000+ Fee-free ATMs |
| 18652 | 3 | None | 3 | $5,000.01 | $10,000.00 | 1.00 | 1.00 | Monthly | 12/01/2022 | ||
| 18658 | 4 | None | 4 | $10,000.01 | $50,000.00 | 0.25 | 0.25 | Monthly | 09/21/2018 | ||
| 18661 | 5 | None | 5 | $50,000.01 | $100,000.00 | 0.20 | 0.20 | Monthly | 09/21/2018 | ||
| 18668 | 6 | None | 6 | $100,000.01 | $9,999,999.99 | 0.15 | 0.15 | Monthly | 09/21/2018 |
| Term | Minimum Balance Min. Balance | APY APY1 | Rate | Dividends Paid | |||||
|---|---|---|---|---|---|---|---|---|---|
| 18056 | 1 | None | $0.00 | 0.05 | 0.05 | Monthly | 01/01/2023 | $5 waived with minimum daily balance of $500 |
| Term | Min. Balance | APY1 | Rate | Dividends Paid | |||||
|---|---|---|---|---|---|---|---|---|---|
| 18344 | 1 | None | $0.00 | 0.05 | 0.05 | Monthly | 01/01/2020 | None | 1 APY = Annual Percentage Yield. 2 Annual and individual member figures are from the Credit Union National Association Membership Benefits Study in 2021. Assumed to have a $30,000, 60-month new auto loan, a classic credit card with an average balance of $5,000, a $200,000, 30-year fixed rate mortgage (a 30-year fixed rate mortgage is replaced with a 5-year adjustable rate mortgage if it yields a greater benefit as it is assumed more in demand), $5,000 in an interest-bearing checking account, $10,000 in a 1-year certificate account, and $2,500 in a money market account. 3 Savings and ScoreUp Savings have the same rates, reflected above. A ScoreUp Savings Account is opened in conjunction with a ScoreUp Credit Builder Loan. |
| 18701 | 2 | None | $5,000.00 | 0.05 | 0.05 | Monthly | 01/01/2020 | ||
| 18715 | 3 | None | $10,000.00 | 0.05 | 0.05 | Monthly | 01/01/2020 | ||
| 18727 | 4 | None | $20,000.00 | 0.05 | 0.05 | Monthly | 01/01/2020 | ||
| 18737 | 5 | None | $50,000.00 | 0.05 | 0.05 | Monthly | 01/01/2020 | ||
| 18744 | 6 | None | $100,000.00 | 0.05 | 0.05 | Monthly | 01/01/2020 |
1 APY = Annual Percentage Yield.
2 Checking requirements: 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 APY 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.
3 Rates – 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 of the account.
4 Interest is paid at tier rates on balances within each tier. Total interest paid is the sum from each tier. Rates are subject to change after account opening without notice.
5 Kids Savings, Savings and ScoreUp Savings have the same rates, reflected above. A ScoreUp Savings Account is opened in conjunction with a ScoreUp Credit Builder Loan.
Premier Interest Checking Account: Effective August 30, 2019, the minimum balance to earn the premier interest checking rate of 0.10% APY is $5,000.00. If your balance falls below $5,000.00, your account balance will earn the same rate as our Interest Checking account for that day. Average daily balances below $5,000.00 are subject to a $10 monthly fee (see the Fee Schedule). For other terms and conditions of the Premier Interest Checking Account, please refer to the Patelco Member Handbook.
| Term | Min. Balance Min Balance | APY1 | Dividend Rate | Dividends Paid | ||||||
|---|---|---|---|---|---|---|---|---|---|---|
| 18417 | 1 | 3 - 5 Months | $250.00 | 1.00 | 1.00 | At Maturity | 07/23/2024 | 3 to 60 months | 0 | At Maturity |
| 18422 | 2 | 6 - 11 Months | $250.00 | 2.00 | 1.98 | At Maturity | 08/01/2023 | 0 | ||
| 18545 | 4 | 12 - 17 Months | $250.00 | 3.00 | 2.96 | Monthly | 08/01/2023 | 0 | ||
| 18557 | 5.2 | 18 - 23 Months | $250.00 | 3.15 | 3.11 | Monthly | 08/01/2023 | $500,000.00 | 18-Month | |
| 18565 | 7 | 24 - 35 Months | $250.00 | 3.25 | 3.21 | Monthly | 08/01/2023 | 0 | ||
| 18571 | 8 | 36 - 47 Months | $250.00 | 3.00 | 2.96 | Monthly | 08/01/2023 | 0 | ||
| 18577 | 9 | 48 - 59 Months | $250.00 | 3.00 | 2.96 | Monthly | 08/01/2023 | 0 | ||
| 18584 | 10 | 60 Months | $250.00 | 3.00 | 2.96 | Monthly | 08/01/2023 | 3 to 60 Months | 0 | |
| 28693 | 4 | 14 Month Promo* | $250.00 | 3.80 | 3.74 | Monthly | 02/01/2024 | 14 Month Promo* | 0 | 3.30 |
| 28698 | 6 | 23 Month Promo* | $250.00 | 3.50 | 3.45 | Monthly | 08/01/2023 | 23 Month Promo* | 0 | 3.00 |
| 32061 | 3 | 9 Month Promo* | $250.00 | 4.00 | 3.93 | Monthly | 01/07/2025 | 0 | 3.50 |
| Term | Min. Balance | APY1 | Dividend Rate | Dividends Paid | |||
|---|---|---|---|---|---|---|---|
| 32064 | 2.5 | 9 Month Promo | $250.00 | 4.00 | 3.93 | Monthly | 01/07/2025 |
| 28701 | 4 | 14 Month Promo | $250.00 | 3.80 | 3.74 | Monthly | 06/14/2024 |
| 28704 | 6 | 23 Month Promo | $250.00 | 3.50 | 3.45 | Monthly | 06/14/2024 |
| 18651 | 10 | 60 Months | $250.00 | 3.00 | 2.96 | Monthly | 06/14/2024 |
| 18645 | 9 | 48 - 59 Months | $250.00 | 3.00 | 2.96 | Monthly | 08/01/2023 |
| 18635 | 8 | 36 - 47 Months | $250.00 | 3.00 | 2.96 | Monthly | 06/14/2024 |
| 18627 | 7 | 24 - 35 Months | $250.00 | 3.25 | 3.21 | Monthly | 08/01/2023 |
| 18517 | 5.2 | 18 - 23 Months | $250.00 | 3.15 | 3.11 | Monthly | 06/14/2024 |
| 18510 | 3 | 12 - 17 Months | $250.00 | 3.00 | 2.96 | Monthly | 08/01/2023 |
| 18486 | 2 | 6 - 11 Months | $250.00 | 2.00 | 1.98 | At Maturity | 06/14/2024 |
| 18462 | 1 | 3 - 5 Months | $250.00 | 1.00 | 1.00 | At Maturity | 07/23/2024 |
1 APY = Annual Percentage Yield. Rates are effective as of 01/07/2025. Rates may vary at the time of maturity or renewal.
2 Certificate promotion interest rates vary depending on qualifications. 9-Month Certificate promotion has a premium rate of 4.00% APY and standard rate of 3.50% APY (Dividends paid monthly); 14-Month Certificate promotion has a premium rate of 3.80% APY and standard rate of 3.30% APY (Dividends paid monthly); 23-Month Certificate promotion has a premium rate of 3.50% APY and standard rate of 3.00% APY (Dividends paid monthly). In order to obtain the high premium rate for either Certificate promotional term, you must meet at least one of the following criteria: Tenure of 10+ years as of 12/31/2025, OR a checking account (under the same membership) prior to Certificate opening with a total recurring monthly deposit of $500 or more. If the checking account criteria is not met at any time, the rate will be reduced to the lower standard rate and will not be reinstated thereafter. 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 here) 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. All certificates are subject to an early withdrawal penalty. For IRA Certificates, the early withdrawal penalty is waived if the IRA owner is age 59½ years or older. Fees could reduce earnings. Please see the Certificate Accounts section in the Patelco Member Handbook.
3 All regular certificates can be opened as IRA certificates, unless otherwise noted. Minimum balance for all Certificates and IRA certificates is $250.00.
Vehicle Loans Boats, Motor Homes, Travel Trailers Motorcycle Loans Credit Cards Secured Loans Personal Loans Other Loans
Vehicle Loans
| Type | Term | Minimum Amount | Range of APR1 | ||||||
|---|---|---|---|---|---|---|---|---|---|
| 17938 | New Auto (2024 or newer)Up to 140% financing | 0 to 48 months | None | 5.74% to 17.99% | 05/01/2025 | 1 | 17.99 | 5.74 | 0‑48 months: $23.42 per month per $1000 borrowed at 5.74% APR for 48 months; 49‑66 months: $17.75 per month per $1000 borrowed at 5.74% APR for 66 months; 67‑72 months: $16.63 per month per $1000 borrowed at 6.04% APR for 72 months; 73‑84 months: $14.84 per month per $1000 borrowed at 6.39% APR for 84 months. |
| 17707 | New Auto (2024 or newer) Up to 140% financing | 49 to 66 months | None | 5.74% to 17.99% | 10/27/2023 | 2 | 17.99 | 5.74 | |
| 17713 | New Auto (2024 or newer) Up to 140% financing | 67 to 72 months | $10,000 For 72 Month Term | 6.04% to 17.99% | 10/27/2023 | 3 | 17.99 | 6.04 | |
| 17710 | New Auto (2024 or newer)Up to 140% financing | 73 to 84 months | $15,000 For 84 Month Term | 6.39% to 17.99% | 10/27/2023 | 4 | 17.99 | 6.39 | |
| 17884 | Used Auto (2023 - 2015) Up to 140% of Blue Book Maximum 150,000 miles | 0 to 48 months | None | 5.99% to 17.99% | 05/01/2025 | 5 | 17.99 | 5.99 | 0‑48 months: $23.54 per month per $1000 borrowed at 5.99% APR for 48 months; 49‑66 months: $17.87 per month per $1000 borrowed at 5.99% APR for 66 months; 67‑72 months: $16.75 per month per $1000 borrowed at 6.29% APR for 72 months; 73‑84 months: $14.96 per month per $1000 borrowed at 6.64% APR for 84 months. |
| 17887 | Used Auto (2023 - 2015) Up to 140% of Blue Book Maximum 150,000 miles | 49 to 66 months | None | 5.99% to 17.99% | 10/20/2023 | 6 | 17.99 | 5.99 | |
| 17891 | Used Auto (2023 - 2015) Up to 140% of Blue Book Maximum 150,000 miles | 67 to 72 months | $10,000 For 72 Month Term | 6.29% to 17.99% | 10/20/2023 | 7 | 17.99 | 6.29 | |
| 17895 | Used Auto (2023 - 2015) Up to 140% of Blue Book Maximum 150,000 miles | 73 to 84 months | $15,000 For 84 Month Term | 6.64% to 17.99% | 10/20/2023 | 8 | 17.99 | 6.64 |
Boats, Motorhomes, Travel Trailers
| Type | Term | Minimum Amount | Range of APR2 | |||||||
|---|---|---|---|---|---|---|---|---|---|---|
| 17962 | Boat, Motorhome, and Travel Trailer LoansNew (2024 or newer) | up to 60 months | $5,000 | 7.49% to 18.49% | 04/25/2025 | 2 | 04/25/2025 | 7.49 | 19.49 | 60 months: $20.10 per month per $1000 borrowed at 7.49% APR; 72 months: $17.35 per month per $1000 borrowed at 7.49% APR; 84 months: $15.39 per month per $1000 borrowed at 7.49% APR; 120 months: $12.17 per month per $1000 borrowed at 7.99% APR;180 months: $9.73 per month per 1000 borrowed at 8.24% APR |
| 18189 | Boat, Motorhome, and Travel Trailer LoansUsed (2023 - 2015) | up to 60 months | $5,000 | 7.99% to 18.99% | 04/25/2025 | 1 | 04/25/2025 | 7.99 | 18.99 | |
| 18210 | Boat, Motorhome, and Travel Trailer LoansNew (2024 or newer) | 61 to 72 months | $15,000 | 7.49% to 17.99% | 12/08/2023 | 3 | 12/08/2023 | 7.49 | 19.49 | |
| 18219 | Boat, Motorhome, and Travel Trailer LoansUsed (2023 - 2015) | 61 to 72 months | $15,000 | 7.99% to 18.49% | 12/07/2022 | 4 | 12/07/2022 | 7.99 | 18.49 | |
| 18230 | Boat, Motorhome, and Travel Trailer LoansNew (2024 or newer) | 73 to 84 months | $25,000 | 7.49% to 17.99% | 12/08/2023 | 5 | 12/08/2023 | 7.49 | ||
| 18236 | Boat, Motorhome, and Travel Trailer LoansUsed (2023 - 2015) | 73 to 84 months | $25,000 | 7.99% to 18.49% | 03/14/2023 | 6 | 03/14/2023 | 7.99 | 18.49 | |
| 18239 | Boat, Motorhome, and Travel Trailer LoansNew (2024 or newer) | 85 to 120 months | $25,000 | 7.99% to 17.99% | 12/08/2023 | 7 | 12/08/2023 | 7.99 | 17.99 | |
| 18244 | Boat, Motorhome, and Travel Trailer LoansUsed (2023 - 2015) | 85 to 120 months | $25,000 | 8.49% to 18.49% | 12/07/2022 | 8 | 12/07/2022 | 8.74 | 18.29 | |
| 18267 | Boat, Motorhome, and Travel Trailer LoansNew (2024 or newer) | 121 to 180 months | $50,000 | 8.24% to 17.74% | 12/08/2023 | 9 | 12/08/2023 | 8.24 | 17.74 | |
| 18273 | Boat, Motorhome, and Travel Trailer LoansUsed (2023 - 2015) | 121 to 180 months | $50,000 | 8.74% to 18.24% | 08/04/2023 | 10 | 08/04/2023 | 8.74 | 18.49 |
Motorcycle Loans
| Type | Term | Minimum Amount | Range of APR3 | ||||||
|---|---|---|---|---|---|---|---|---|---|
| 17968 | Motorcycle New & Used (2015 or newer) | Up to 60 months | $1,000 | 7.25% to 17.05% | 1 | 04/25/2025 | 7.25 | 17.05 | 60 months: $19.98 per month per $1000 borrowed at 7.25% APR |
Credit Cards
| Type | Amount | Rate Type | APR Range1 Range of APR4 | |||||||
|---|---|---|---|---|---|---|---|---|---|---|
| 17972 | Credit Cards-Pure Mastercard | Pure Mastercard® | $300 - $50,000 | Variable | 10.75% to 17.95% | 10.75 | 10.75 | 1 | 02/26/2025 | $90,000 |
| 18284 | Credit Cards-Points Rewards World Mastercard | Points Rewards World Mastercard® | $300 - $50,000 | Variable | 12.40% to 20.90% | 12.40 | 12.40 | 2 | 02/26/2025 | |
| 18300 | Credit Cards-Progress Student Rewards Mastercard | Progress Student Rewards Mastercard® | $300 - $5,000 | Variable | 12.40% to 20.90% | 12.40 | 12.40 | 3 | 02/26/2025 | $50,000 |
| 18308 | Credit Cards-Pure-Secured Mastercard | Pure Secured Mastercard® | $300 - $10,000 | Variable | 10.45% | 10.45 | 10.45 | 4 | 02/26/2025 | $10,000 |
Secured Loans
| Type | Term | Amount | APR | ||||
|---|---|---|---|---|---|---|---|
| 18337 | Savings-Secured | Up to 60 months | Equal to savings | 2.50 | 2 | 02/16/2023 | 2.5 |
| 18345 | ScoreUp® Credit Builder | Up to 24 months | $500 to $2,500 | 5.50 | 3 | 02/16/2023 | 5.5 |
| 18352 | ScoreUp® Credit Builder | Up to 36 months | $2,501 to $5,000 | 5.50 | 4 | 02/16/2023 | 5.5 |
Personal Loans
| Type | Term | Amount | Range of APR5 | |||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 17979 | Personal Loan | 6-24 months | $300-$100,000 | 9.30%-17.90% | 04/01/2025 | 1 | 9.30 | 17.90 | $100,000 | Personal Loan | The APR range is 9.30% to 17.90% with terms available from 6 to 84 months. Example, if you receive a loan of $10,000 with an interest rate of 9.30% with no origination fee and make 36 monthly payments of $320.41, your finances charges will be $1,534.39 which would make your total repayment amount $11,534.39 | |
| 18361 | Personal Loan | 25-36 months | $2,000-$100,000 | 9.30%-17.90% | 04/12/2024 | 2 | 9.30 | 17.9 | Personal Loan | |||
| 18364 | Personal Loan | 37-48 months | $4,000-$100,000 | 9.70%-17.90% | 12/08/2023 | 3 | 9.70 | 17.9 | Personal Loan | |||
| 18370 | Personal Loan | 49-60 months | $8,000-$100,000 | 10.20%-17.90% | 10/27/2023 | 4 | 10.20 | Personal Loan | ||||
| 18377 | Personal Loan | 61-72 months | $20,000-$100,000 | 10.70%-17.90% | 10/27/2023 | 5 | 10.70 | 17.9 | Personal Loan | |||
| 32405 | Personal Loan | 73-84 months | $30,000 - $100,000 | 11.20% - 17.90% | 04/12/2024 | 7 | 11.2 | 17.90 | $100,000 | Personal Loan |
Other Loans
| Type | Term | Amount | Range of APR6 | |||||
|---|---|---|---|---|---|---|---|---|
| 17982 | Signature Line of Credit | Open-ended | Up to $50,000 | 12.00% to 17.90% | 1 | 04/05/2023 | 12.00 | 17.90 |
| 19910 | Instant BackUp™ Line of Credit | Open-ended | Up to $500 | 17.90% | 2 | 04/05/2023 | 12 | 17.9 |
We are unable to offer financing for Branded Titles (e.g. – salvaged, lemon law) or the following types of commercial vehicles: Chevrolet Silverado 4500 – 6500, Chevrolet Express, Dodge Ram Promaster/Promaster City, Dodge Ram Chassis 4500, Ford F-450 or higher, Ford Transit/Transit Connect, GMV Savana, GMC Sierra 4500, Mercedes Benz Sprinter, Mercedes Benz Metris , Nissan NV and NV2000. Speak to a team member for more details.
APR = Annual Percentage Rate. In the case of credit cards, APR applies to purchases and balance transfers.
- 1 APR = (Annual Percentage Rate). Auto rates starting at 5.74% 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. Vehicle mileage greater than 100k will include an additional .50% added to rate. 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. Loan payment example: 0‑48 months: $23.42 per month per $1000 borrowed at 5.74% APR for 48 months; 49‑66 months: $17.75 per month per $1000 borrowed at 5.74% APR for 66 months; 67‑72 months: $16.63 per month per $1000 borrowed at 6.04% APR for 72 months; 73‑84 months: $14.84 per month per $1000 borrowed at 6.39% APR for 84 months.
- 2 APR = (Annual Percentage Rate). Rates as low as 7.49% APR effective 04/25/2025. Loan rates are subject to change without notice and subject to credit approval. Patelco offers a range of rates that depend on factors such as credit history, loan term, mileage, Patelco account and loan balances. Additional .50% added to rate for mileage over 100k (with a maximum mileage at 125k). Maximum of 20 years combined based on vehicle model year + loan term. . Actual rates are disclosed to approved applicants in writing prior to loan consummation and may be as high as 19.49% APR. To learn more about rates, terms and available discounts, call 800.358.8228, visit patelco.org or visit any Patelco branch. Loan payment example: 60 months: $20.10 per month per $1000 borrowed at 7.49% APR; 72 months: $17.35 per month per $1000 borrowed at 7.49% APR; 84 months: $15.39 per month per $1000 borrowed at 7.49% APR; 120 months: $12.17 per month per $1000 borrowed at 7.99% APR;180 months: $9.73 per month per 1000 borrowed at 8.24% APR
- 3 APR = Annual Percentage Rate. Rates as low as 7.25% APR effective 04/25/2025. Loan rates are subject to change without notice and subject to credit approval. Patelco offers a range of rates that depend on factors such as credit history, loan term, Patelco account and loan balances. Actual rates are disclosed to approved applicants in writing prior to loan consummation and may be as high as 17.05% APR. To learn more about rates, terms and available discounts, call 800.358.8228, visit patelco.org or visit any Patelco branch. Loan payment example: 60 months: $19.98 per month per $1000 borrowed at 7.25% APR
- 4 APR=Annual Percentage Rate. Variable APR as of 02/26/2025. 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. Rates offered effective 04/01/2025 and are subject to credit approval. APRs range based on factors including credit type, loan term, Commitment Household/account relationship and applicant credit worthiness/score. Loan terms are based on various factors, including the amount financed. Actual rates are disclosed to approved applicants in writing prior to loan consummation. Offered rates subject to change. For more information, visit patelco.org, call 800.358.8228, or stop by a branch. The APR range is 9.30% to 17.90% with terms available from 6 to 84 months. Example, if you receive a loan of $10,000 with an interest rate of 9.30% with no origination fee and make 36 monthly payments of $320.41, your finances charges will be $1,534.39 which would make your total repayment amount $11,534.39
- 6 APR = Annual Percentage Rate. All loans are subject to credit approval, restrictions apply, rates are subject to change. Loan rates offered effective 04/05/2023. The APR range is 12.00% to 17.90% for Signature Line of Credit. The APR is 17.90% for Instant BackUp™ Line of Credit. Minimum payment is $25.00 or 2% of the unpaid balance, whichever is greater. To learn more about rates, terms, and exclusive discounts for members, such as Commitment Household, call 800.358.8228 or visit any Patelco branch.
Purchase Fixed Rate Loans Purchase Adjustable Rate Loans Refinance Fixed Rate Loans Refinance Adjustable Rate Loans Interest Only Equity Line of Credit Home Equity Loans ADU Equity Line of Credit
Purchase Fixed Rate Loans
| Loan Program | Amount | Rate | APR2 APR1 | |||||
|---|---|---|---|---|---|---|---|---|
| 17986 | 30-Year Fixed | $50,000 to $806,500 | 6.750 | 6.837 | 1 | 07/10/2025 | $806,500 | |
| 18072 | 30-Year Fixed (No Closing Costs, 3% Down) | $50,000 to $806,500 | 7.125 | 7.186 | 2 | 11/08/2023 | ||
| 18090 | 20-Year Fixed | $50,000 to $806,500 | 6.375 | 6.484 | 3 | 12/12/2023 | ||
| 18120 | 15-Year Fixed | $50,000 to $806,500 | 6.000 | 6.130 | 4 | 12/12/2023 | ||
| 18139 | 10-Year Fixed | $50,000 to $806,500 | 5.750 | 5.928 | 5 | 01/02/2024 | ||
| 18145 | 30-Year Fixed Jumbo | $806,501 to $2,500,000 | 6.875 | 6.950 | 8 | 01/31/2024 | 1 | |
| 18144 | 15-Year Fixed Jumbo | $806,501 to $2,500,000 | 6.500 | 6.615 | 9 | 01/31/2024 | 1 | |
| 27310 | 15-Year Fixed High Balance | $806,501 to $1,209,750 | 6.375 | 6.501 | 7 | 04/01/2024 | ||
| 27313 | 30-Year Fixed High Balance | $806,501 to $1,209,750 | 6.750 | 6.831 | 6 | 01/02/2024 |
Purchase Adjustable Rate Loans
| Loan Program | Amount | Rate | APR1 | ||||
|---|---|---|---|---|---|---|---|
| 18158 | 5/1 30-Year Adjustable2 | $50,000 to $806,500 | 5.875 | 6.180 | 07/10/2025 | 07/10/2025 | 1 |
| 18167 | 5/5 30-Year Adjustable3 | $50,000 to $806,500 | 6.000 | 6.011 | 12/08/2023 | 12/08/2023 | 2 |
| 18457 | 7/1 30-Year Adjustable2 | $50,000 to $806,500 | 5.875 | 6.135 | 12/08/2023 | 12/08/2023 | 3 |
| 18399 | 10/1 30-Year Adjustable2 | $50,000 to $806,500 | 6.250 | 6.331 | 12/08/2023 | 12/08/2023 | 4 |
| 18418 | 10/10 30-Year Adjustable4 | $50,000 to $806,500 | 6.375 | 6.542 | 12/08/2023 | 12/08/2023 | 5 |
| 18427 | 5/1 30-Year Adjustable Jumbo2 | $806,501 to $2,500,000 | 5.625 | 6.067 | 12/08/2023 | 12/08/2023 | 6 |
| 18444 | 5/5 30-Year Adjustable Jumbo3 | $806,501 to $2,500,000 | 5.750 | 5.888 | 12/08/2023 | 12/08/2023 | 7 |
| 18371 | 7/1 30-Year Adjustable Jumbo2 | $806,501 to $2,500,000 | 5.625 | 5.993 | 12/08/2023 | 12/08/2023 | 8 |
| 18474 | 10/1 30-Year Adjustable Jumbo2 | $806,501 to $2,500,000 | 5.750 | 5.984 | 12/08/2023 | 12/08/2023 | 9 |
| 18480 | 10/10 30-Year Adjustable Jumbo4 | $806,501 to $2,500,000 | 5.875 | 6.280 | 12/08/2023 | 12/08/2023 | 10 |
Refinance Fixed Rate Loans
| Loan Program | Amount | Rate | APR2 APR1 | |||||
|---|---|---|---|---|---|---|---|---|
| 18033 | 30-Year Fixed | $50,000 to $806,500 | 6.750 | 6.837 | 07/10/2025 | 07/10/2025 | 1 | |
| 18036 | 20-Year Fixed | $50,000 to $806,500 | 6.375 | 6.484 | 11/07/2023 | 11/07/2023 | 2 | |
| 18041 | 15-Year Fixed | $50,000 to $806,500 | 6.000 | 6.130 | 11/07/2023 | 11/07/2023 | 3 | |
| 18046 | 10-Year Fixed | $50,000 to $806,500 | 5.750 | 5.928 | 12/12/2023 | 12/12/2023 | 4 | |
| 18049 | 30-Year Fixed High Balance | $806,501 to $1,209,750 | 6.750 | 6.831 | 01/02/2024 | 01/02/2024 | 6 | |
| 18053 | 15-Year Fixed High Balance | $806,501 to $1,209,750 | 6.375 | 6.501 | 01/02/2024 | 01/02/2024 | 5 | |
| 18057 | 30-Year Fixed Jumbo | $806,501 to $2,500,000 | 6.875 | 6.950 | 11/09/2023 | 11/09/2023 | 7 | |
| 18061 | 15-Year Fixed Jumbo | $806,501 to $2,500,000 | 6.500 | 6.615 | 11/09/2023 | 11/09/2023 | 8 |
Refinance Adjustable Rate Loans
| Loan Program | Amount | Rate | APR1 | ||
|---|---|---|---|---|---|
| 18071 | 5/1 30-Year Adjustable2 | $50,000 to $806,500 | 5.875 | 6.180 | 07/10/2025 |
| 18077 | 5/5 30-Year Adjustable3 | $50,000 to $806,500 | 6.000 | 6.001 | 12/08/2023 |
| 18085 | 7/1 30-Year Adjustable2 | $50,000 to $806,500 | 5.875 | 6.135 | 12/08/2023 |
| 18091 | 10/1 30-Year Adjustable2 | $50,000 to $806,500 | 6.375 | 6.415 | 12/08/2023 |
| 18098 | 10/10 30-Year Adjustable2 | $50,000 to $806,500 | 6.500 | 6.626 | 12/08/2023 |
| 18108 | 5/1 30-Year Adjustable Jumbo2 | $806,501 to $2,500,000 | 5.750 | 6.116 | 11/08/2023 |
| 18114 | 5/5 30-Year Adjustable Jumbo3 | $806,501 to $2,500,000 | 5.875 | 5.937 | 12/08/2023 |
| 18118 | 7/1 30-Year Adjustable Jumbo2 | $806,501 to $2,500,000 | 5.750 | 6.057 | 12/08/2023 |
| 18123 | 10/1 30-Year Adjustable Jumbo2 | $806,501 to $2,500,000 | 5.875 | 6.067 | 12/08/2023 |
| 18130 | 10/10 30-Year Adjustable Jumbo4 | $806,501 to $2,500,000 | 6.000 | 6.278 | 12/08/2023 |
Interest Only Equity Line of Credit
| Amount | Loan-to-Value | Rate/APR5 | ||||||
|---|---|---|---|---|---|---|---|---|
| 18186 | $10,000-$500,000 | Up to 90 | 8.00 % to 10.75% | 07/10/2025 | 8.00 | 07/10/2025 | 7.50 | 0.50 |
Home Equity Loans
ADU Equity Line of Credit
| Amount | Loan-to-Value | Rate/APR8 | ||||||
|---|---|---|---|---|---|---|---|---|
| 18268 | $10,000 - $400,000 | 125% as-is value 90% post-construction value | 9.00% to 9.75% | 07/10/2025 | 9.00 | 7.50 |
Rates, terms, conditions, and availability are subject to change or withdrawal at any time and without notice. Nothing herein is or should be interpreted as an offer or commitment to lend. Loans are subject to credit and property approval. Other conditions and restrictions may apply. Hazard insurance is required. NMLS ID Number is 506373.
1 APR = Annual Percentage Rate. APRs are based on the following: $806,500
- Conforming: Loan amount of $806,500 + closing costs
- High Balance: Loan amount of $1,000,000 + closing costs
- Jumbo: Loan amount of $1,500,000 + closing costs
- Mortgage rates shown are based on a 60-day lock for rate and term refinance transaction for of a primary residence. 30-day lock for purchase transactions.
Conforming rate shown at 60% loan-to-value (LTV) and jumbo rate is at 80% loan-to-value (LTV), owner-occupied limited cash-out refinance or purchase with excellent credit, debt-to-income ratio less than or equal to 40% and no subordinate financing. Your rate may be different than what is shown.
High-Balance Mortgages allow for higher loan limits beyond the $806,500 conforming limit up to $1,000,000.00 for high-cost areas as determined by the Federal Finance Agency (FHFA). These higher limits are designed to make homeownership more affordable in areas with the highest home prices and are typically priced below jumbo mortgage loan.
2 The index is the weekly average of the 1-year US Treasury securities adjusted to constant maturity of one year, as made available by the Federal Reserve. The caps are 2% annually and 6% lifetime based on the initial rate. The current index is 4.00%. Your rate may be different than what is shown. Please use the Choose Rates feature on our application page to get a more exact rate.
3 The index (for 5/5 product) is the weekly average of the 5-year US Treasury securities adjusted to constant maturity of five years, as made available by the Federal Reserve. The caps are 2% every adjustment and 5% lifetime based on the initial rate. The current index is 3.86. Your rate may be different than what is shown. Please contact one of our loan representatives at 800.358.8228 extension 1202 to get a more exact rate.
4 The index (for 10/10 product) is the weekly average of the 10-year US Treasury securities adjusted to constant maturity of ten years, as made available by the Federal Reserve. The caps are 3% every adjustment and 6% lifetime based on the initial rate. The current index is 4.29.
5 8.00 APR (annual percentage rate) applies to a HELOC for the most qualified applicant at CLTV up to 80%. Not all applicants will qualify for the lowest rate. Rates vary based on property value, line amount and other factors, and will vary for second or vacation homes. Payments and rate can adjust monthly. Payments will increase if rates increase. The rate is calculated using an index plus a margin. The index used is the Prime Rate as published in The Wall Street Journal Western Edition on the last business day of the month prior to the change. The current prime index is 7.50%. Minimum interest rate is 4.0%. Maximum interest rate is 17%.
6 0.50 HELOC rate discount available after loan funds. Meet and maintain ongoing discount eligibility with set up of automatic loan payments and monthly recurring deposits of $500 into a Patelco account. Additional conditions may apply. Speak to a Home Loan Consultant for more details.
7 Fixed Home Equity APR calculations are based on loan amount of $100,000.00 with estimated closing costs of $500.00.
8 9.00 APR (annual percentage rate) and other terms shown are accurate as of 07/10/2025 and apply to an ADU HELOC for the most qualified applicant at CLTV up to 125%. Not all applicants will qualify for the lowest rate. Eligible on primary residences only. Rates vary based on property value, credit score, line amount and other factors. The minimum periodic payment is interest-only for the first two years (“draw period”) followed by fully-amortizing payments to repay the balance over the final twenty years. No draws will be allowed during the repayment period. Payments and rate can adjust monthly. Payments will increase if rates increase. At the end of the draw period, your required monthly payments will increase because you will be paying both principal and interest. The rate is calculated using an index plus a margin. The index used is the Prime Rate as published in The Wall Street Journal Western Edition on the last business day of the month prior to the change. The current prime index is 7.50%. Minimum interest rate is 4.0%. Maximum interest rate is 17%.