Routing # 321076470

Resources to build your financial wellbeing

What Are Share Certificates?

Types of Savings Accounts

Tips to Avoid Phishing Attempts

Avoid Finance Spoofing

What’s a Money Market Account?

Is My Money FDIC-insured?

Saving vs. Paying Off Debt

Saving on a Tight Budget

Qualifying for a Mortgage

Prequal vs Preapproval Explained

What does a Real Estate Agent Do?

All about Down Payments

I Didn’t Save Enough for Retirement

Staying on Track in Turbulent Times

Why to Do an Annual Portfolio Review

A Guide to Social Security Benefits

Hear stories from real Patelco members

As a married couple looking into homebuying for the first time, we were very hesitant about talking to a financial institution out of concern for being sold on something that wasn't reasonable for our finances or lifestyle…This is a really big deal for us, and we're so grateful to be able to work with a non-profit credit union that's really taking into account the human factor in finances.

Natalie H.
As a married couple looking into homebuying for the first time, we were very hesitant about talking to a financial institution out of concern for being sold on something that wasn’t reasonable for our finances or lifestyle…This is a really big deal for us, and we’re so grateful to be able to work with a […]

Over 14 years ago, I walked into a Patelco branch and it turned out to be the best banking experience of my life. The staff there were incredibly friendly and attentive to their customers. Patelco's fraud protection measures were top-notch. Patelco not only educates its customers but also listens to their needs and works with them to find solutions. Thanks to Patelco's expertise in managing money, I have experienced no overdrafts or other issues with my account. They have truly earned my trust.

Mihdi M.
Over 14 years ago, I walked into a Patelco branch and it turned out to be the best banking experience of my life. The staff there were incredibly friendly and attentive to their customers. Patelco’s fraud protection measures were top-notch. Patelco not only educates its customers but also listens to their needs and works with […]

Very nice, helpful and accommodating. Offer to non-members to cash checks drawn from a Patelco account fee-free and minimum verification requirements. And I arrived 8 minutes before closing and they were still open until 6pm, which is the time stated online and did not close 5-10 minutes early like others do! Thank you for a wonderful experience and I highly recommend this credit union.

Tiffany C.
Very nice, helpful and accommodating. Offer to non-members to cash checks drawn from a Patelco account fee-free and minimum verification requirements. And I arrived 8 minutes before closing and they were still open until 6pm, which is the time stated online and did not close 5-10 minutes early like others do! Thank you for a […]

Way back when the banks were starting to charge fees for everything, I got a letter from my bank telling me that I would be charged to use my debit card! Around the same time, I saw that there was a movement about dropping your bank and going to a credit union to send a message, so I did. I have never looked back and have never regretted this decision. I have lived in 4 different states and still stay with Patelco.

Jennifer E.
Way back when the banks were starting to charge fees for everything, I got a letter from my bank telling me that I would be charged to use my debit card! Around the same time, I saw that there was a movement about dropping your bank and going to a credit union to send a […]

I have been a member of Patelco Credit Union for several years now, and I cannot express enough how pleased I am with the outstanding service I consistently receive...at Patelco, they know me by name when I walk in the door! Overall, Patelco Credit Union, thanks to exceptional team members, has exceeded my expectations. I wholeheartedly recommend Patelco to anyone seeking a banking experience that combines efficiency, expertise, and a personal touch.

Kevin H.
I have been a member of Patelco Credit Union for several years now, and I cannot express enough how pleased I am with the outstanding service I consistently receive…at Patelco, they know me by name when I walk in the door! Overall, Patelco Credit Union, thanks to exceptional team members, has exceeded my expectations. I […]

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1 Refer a friend using your personal referral code assigned to your membership. Your referral MUST use your code to become a member and open a new checking account by July 31, 2025 at any Patelco branch or online and meet the qualifications outlined here to earn up to $200. To qualify for the first $100 bonus, the following criteria must be met: 1) new member must join Patelco by opening a Free Checking or Interest Checking account with the referral code provided 2) sign up for eStatements 3) have a minimum of two (2) consecutive qualifying monthly direct deposits of $500 or more into the new Patelco checking account totaling $1,000 or more within 90 days of new membership.

Qualifying direct deposits are electronic deposits of payroll (paycheck), government benefits payments, Social Security, pension or other income received through the Automated Clearing House (“ACH”) Network. Deposits that do not qualify include, but are not limited to, internal Patelco account to account transfers, check deposits, peer-to-peer transfers (e.g., transfers from Zelle®, PayPal, Venmo, etc.), ATM or branch deposits, ATM transfers, or remote deposits.

For the new member, who has met the above-stated criteria, to earn up to an additional $100, they must complete the following activities within 90 days of their new membership: 1) open a Money Market Plus or Money Market Select account to earn an additional $50, 2) sign up and use RoundUp at least once for debit card purchases to earn another $50.

Referring members can earn $100 for each referral that meets the qualifications for the first $100 bonus and can earn up to $500 total in Refer a Friend bonus per year. The referral bonus will be credited to your Patelco savings account. The cash bonus for new members will be credited to their new Patelco checking account after qualification criteria are met, on or before 90 days from the date the new membership is opened. Accounts must be open and in good standing at the time of bonus credit. Patelco employees are not eligible. If you receive $600 or more in prizes from Patelco throughout the year, we’ll send you an IRS Form 1099.

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