Competitive rates for serious saving

NOTE: There is a penalty for early withdrawal for all Certificates. Please see the Certificate Accounts section in the Patelco Member Handbook.

1. APY = Annual Percentage Yield. Terms and conditions may vary by account.
2. All regular certificates can be opened as IRA certificates, unless otherwise noted. Minimum balance for all IRA certificates is $250.

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 2.55% effective 1/8/2021; 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, 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  11.20%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: $21.96 per month per $1000 borrowed at 2.55% APR for 48 months.

2. APR = Annual Percentage Rate. Rates offered effective 10/23/2020 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.

   Personal Loan:

   The APR range is 4.95% to 18.40% with terms available from 6 to 60 months. Example, if you receive a loan of $10,000 with and interest rate of 6.95% with no origination fee and make 48 monthly payments of $239.89, your finances charges will be $1,514.69 which would make your total repayment amount $11,514.69

3. Equal to the rate you are receiving on the certificate pledged as security at the time the loan is obtained, plus 2.25%.

4. 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. This offer cannot be combined with any other offer other than those listed in this advertisement.

Rates for FHA, VA and USDA Loans

We have partnered with Stearns Lending (NMLS ID 1854) to offer Federal Housing Administration (FHA), Veteran Affairs (VA), USDA (rural area) and conventional loans for properties outside of California. Out-of-state loans are offered within 49 states (not available in New York and the District of Columbia).For rates and terms for government loans and loans for properties outside of California, find and speak to a local Home Loan Consultant.

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:
   • Conforming: Loan amount of $548,250 + closing costs
   • High Balance Loan amount of $822,375 + closing costs
   • Jumbo: Loan amount of $850,000 + closing costs
   • Mortgage rates shown are based on a 60-day lock for rate and term refinance transaction for of a primary residence. 45-day lock for purchase transactions.
   Rate shown at 80% loan-to-value (LTV), owner-occupied limited cash-out refinance or purchase with excellent credit and no subordinate financing. Your rate may be different than what is shown. Please use the rate calculator on our mortgage application site to receive a better estimate for your scenario.
2. High-Balance Mortgages allow for higher loan limits beyond the $548,250.00 conforming limit up to $822,375.00 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.
3. 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 .11%. 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.
4. 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 .50. 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.
5. 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 1.15.
6. 3.250% 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 3.25. Minimum interest rate is 3%. Maximum interest rate is 17%.
7. Fixed Home Equity APR calculations are based on loan amount of $100,000.00 with estimated closing costs of $500.00