As a not-for-profit credit union, our primary focus is on you, our member, and your financial health. And as our membership grows, we’re able to offer even lower loan rates and fees, and higher savings returns. Thank you for choosing us and trusting us for your financial needs.

Share the love of better banking. It’s easy to do.

How it works:

  1. Refer a friend to Patelco
  2. The friend becomes a new member by opening a checking account with your referral code and a minimum $100 deposit
  3. You’ll both receive $50

Have lots of friends? No problem! We’ll credit you $50 for each qualified referral, up to $500.

This limited time offer ends November 16, 2019.



Frequently Asked Questions

Can I open my account at any branch? What about online?

This special offer is available both online and in one of our 37 branches. Just make sure you have your referral code handy when you open your Free Checking account.

When does this special offer end?

The new member must open a checking account with an initial deposit of at least $100 by November 16, 2019.

What if I lose my personal referral code?

If you are a Patelco member and can’t locate your email or letter with your personal referral code, please visit your local branch or call our member contact center at 800.358.8228 for a code lookup.

If you are a friend and can’t find the code from the existing Patelco member, please visit your local Patelco branch or call our member contact center at 800.358.8228 with your friend’s name and address. We will need this information to identify your friend and reward you both with the $50 special offer when you join the Patelco family. If we are unable to perform a code look up successfully, we will ask that you ask your friend for that code again. You will have until the end of the promotion to provide the code for the $50 credit.

When will the $50 be provided?

Once a checking account is opened with a deposit of at least $100, both parties should receive their individual $50 rewards within five business days to their membership savings account.

How many friends can I refer?

There is a maximum reward payout of $500 (or 10 friends), but you can refer as many friends to the Patelco family as you like!

I just joined Patelco as a new member and would love to participate. How can I?

We are so happy you’d like to refer your own friends and family to Patelco! You will receive after opening a qualified account opening.

It’s been over five days and my $50 hasn’t been credited to my account.

We’re sorry to hear that but are happy to look into it. Please email with your name, personal referral code, member number and any other specific information so we can look into it.

We’re always excited to hear from you. For any other questions or comments, please send us an email:

*Refer a friend using your personal referral code. For you and your friend or family member to qualify for the $50 bonus, they must use the code provided to become a member and open a new checking account (minimum deposit of $100) by November 16, 2019 at any Patelco branch or at The $50 reward will be credited to your savings account within 5 business days of the qualifying new account being opened. Patelco team members are not eligible to receive the $50 reward credit. If you receive $600 or more in prizes from Patelco throughout the year, we’ll send you an IRS Form 1099.