Why Patelco

Personalized service. Community involvement. Big bank benefits.

Patelco has been in business for 77 years, and with more than $3.9 billion in assets and 275,000 members nationwide, today we are among the largest credit unions in the nation. As a federally insured, not-for-profit, full-service financial institution, we're dedicated to helping our members and our communities prosper through volunteer initiatives, as well as personalized service that focuses on transparency, simplicity, and trust. We offer all the benefits of a big bank, right alongside the personalized, cost-saving services of a credit union – Our goal is to help you reach your financial goals safely, and affordably.

The best part? With minimal membership eligibility requirements, it's easier than ever to discover the better side of banking with Patelco. Take a tour:

Anywhere Access On-the-Go
24/7 Account Management
Exceptional Rates

Being a Patelco member means never having to hunt for a bank or an ATM. Our ATMs and branch locations are everywhere – and always expanding:

  • 30,000+ No-fee ATMs
  • 750+ no-fee Bank of the West ATMs
  • 40 full-service branches
  • 5,000+ shared-service branches

Contrary to popular belief, a credit union can be on top of the technology curve – and the proof is in our convenient Online and Mobile Banking options:

Our earnings don’t go to investors – We reinvest them into lower loan rates and account fees, higher rates on savings and investments, and a host of other products and services for our members. Rates include:

  • Auto Loans as low as 1.99%1
  • Credit Cards as low as 8.15%2
  • 5.00%3 New Member Certificate
  • 0.25%4 12-month IRA Certificate
  • 30-year fixed mortgage as low as 4.413%5
  • Many more…
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Free Checking
That is (That’s Right) Free!
Added Perks and Services Personalized Service, Expert Advice

Because we are not-for-profit, we can afford to offer our members a truly Free Checking Account – minus the hidden fees. This means:

  • No monthly service fees
  • No minimum balance requirement
  • No gratuitous conditions or restrictions
  • No debit card usage fees

Our accounts come fully loaded with a host of special offers and programs to help you save money and make the most out of your Patelco membership, including:

Our earnings don't go to investors – We reinvest them into lower loan rates and account fees, higher rates on savings and investments, and a host of other products and services for our members. Rates include:

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The Credit Union Advantage

Member-Owned, Member-Focused
A credit union is truly "democracy in action." Every member owns a share, so every member has a voice when it comes to electing the board of directors and deciding what's best for the future. It also means that members are the ones who share in the profits.

Honest Lending
We have the size and stability to deliver the same low loan rates you'd find at a big bank. But more importantly, we have the values that come with being a credit union that exists to serve its members. Ethical lending practices are a hallmark of the way Patelco chooses to do business.

Options, Options, and More Options
Whatever your financial goals are, we have the accounts and services you need. Patelco offers a range of account options, each designed with rates, terms, and added benefits to help you save for the things you need and the life you want.



  1. APR (Annual Percentage Rate). Auto rates as low as 1.99% APR (floor rate) effective 02/28/2013; subject to change without notice. Patelco offers a range of base rates and discounts that depend on factors such as credit history, loan term, purchase channel, Patelco account and loan balances, vehicle age and fuel efficiency. Actual rates are disclosed to approved applicants in writing prior to loan consummation and may be as high as 17.69% APR. Regardless of discount qualifications, no approved applicant's rate will be lower than the then-current floor rate. To learn more about rates, terms and available discounts, call 800.358.8228, visit www.patelco.org, or visit any Patelco branch. Loan payment example: $17.53 per month for each $1,000 borrowed at 1.99% APR for 60 months.
  2. Annual Percentage Rate. Subject to credit approval.
  3. The Dividend Rates and Annual Percentage Yield are effective as of 4/18/2014, and are subject to change at any time. Minimum deposit $1,000, maximum deposit $1,000. Rate is 4.98%. Term is 12 months. At maturity the certificate will renew at Patelco’s current yield for a regular 12-23 month share certificate. Penalty for early withdrawal. Available for a limited time. Funds deposited to this account must come from an institution other than Patelco. Account available to new members only-must open a new membership. One certificate per member
  4. Annual Percentage Yield. $500 minimum opening deposit.
  5. Rate shown at 80% loan-to-value (LTV) and does not include any applicable closing costs or fees. Your rate may be different than what is shown. Please use the Choose Rates feature on our application page for a more exact rate.