Routing # 321076470

Membership Benefits

A Patelco membership gives you more of what matters most. Discover the Patelco difference below.


Discover how Patelco gives you more

When you join Patelco, you’ll instantly feel the difference between becoming a member versus being a customer. That’s because we’re a not-for-profit credit union and you’ll be a member-owner. Unlike big banks or community banks, we don’t answer to stockholders and our members are our shareholders. We offer banking that you can trust with more savings, better rates, and lower fees.
 
Our mission is to support your financial health and wellbeing, and to be there for the moments that matter most to you. As your trusted financial partner, we’re solely focused on helping our members build and sustain their best financial lives. We embrace these values in our services, products, and every interaction with our members.

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I absolutely love Patelco Credit Union! They are some of the most knowledgeable, helpful, and kind people I’ve met at a bank. I feel very comfortable talking about my finances with them. If you decide to go to a credit union, this should be your choice!” – Dylan S, Patelco member

What makes Patelco different

Truly free checking

Enjoy no monthly fees, no overdraft fees1 and no minimum deposits with our everyday checking account

Products for your journey

From savings, loans to credit cards to mortgages, we have the financial solutions tailored to you

Connect in-person or online

Visit a local branch, connect virtually with our Virtual Branch (appointments are available) or LiveChat

Account access

Transact on-the-go with our top-rated Mobile App2 and access your accounts at more than 30,000 fee-free ATMS

Financial wellness & fraud resources

Access a variety of resources on how to live your best financial life and protect yourself from fraud

Your money is safe

Your money is insured by the National Credit Union Association (NCUA) up to $250,000 for individuals and $500,000 for joint accounts

Save more. Manage better.

From free personalized advice with our Certified Financial Specialists, to webinars to online banking tools like alerts, card controls to articles, we offer you more ways to save money and be informed and in control of your finances.

Certified Financial Specialists & Expert Advice

Have questions about saving, retirement or budgeting? Connect with our Certified Financial Specialists to get your questions answered from Patelco experts, free of charge.

Financial Wellness Articles & Webinars

We have a vast library of articles on everything from budgeting to saving for college or retirement. We also offer free webinars covering broad financial topics.

Fraud & Scam Protection

Benefit from our dedicated fraud-fighting team and learn how to avoid the latest scams, keep your accounts safe, and get help from Patelco with resources and prevention tips.

Automatic Rate Reduction

Our LevelUp program rewards you for on-time loan payments if you don’t qualify for the lowest rate available.3 There’s nothing you need to do to enroll – we handle it for you.

All memberships come with a no-fee savings account

At Patelco, we believe in the importance of saving. That’s why every membership automatically comes with a Regular Savings account. There’s no monthly fee and no minimum balance requirements. We start you off with $1, or one share, into the account on your behalf. As a member-owner, this share gives you the power to vote at our annual meeting to elect the Patelco board of directors.

Patelco Partner Discounts

A Patelco membership connects you to more — like discounts on everything from estate planning to vacations. Our partner programs benefit our members in their everyday lives so now you can do more with your money.

Personal Finance

TurboTax Discount

Patelco members save up to $20 when filing federal taxes with TurboTax.

Auto Buying

AutoSMARTDiscount

Put yourself in the driver’s seat with a better car buying experience.

Auto Buying

Enterprise Car Sales

Save big with a certified used vehicle from Enterprise. Patelco members receive a 1.00% APR discount.

Financial Planning

Estate Planning Discount

Secure your legacy and your family’s future with an affordable and inclusive estate planning solution.

Vacations and Tickets

Vacation and Ticket Discounts

Special discounts for hotels, cruises, and tickets to popular spots like Disneyland.

Car Rentals

Car Rental Discounts

Savings and added convenience for Patelco members from Alamo, Enterprise, and National.

National Credit Union Administration insurance

We’re backed by NCUA insurance so you can rest assured knowing your money is protected in the unlikely event of loss.

  • The National Credit Union Administration (NCUA) is an independent agency of the U.S. government that regulates federal credit unions
  • Insurance is automatic with a Patelco membership – there’s no need to sign up
  • All individual members are insured with $250,000 of coverage. Joint accounts are insured up to $500,000

More about our partner discounts

    Members: Save up to $20 when you file your federal taxes with TurboTax.
     
    We’ve partnered with TurboTax to help make preparing and filing your taxes simpler and affordable. Now, you can securely file your taxes from your smart phone, tablet or computer.
     
    When you use TurboTax4, you’ll benefit from:

    • A maximum refund guarantee
    • They’ll double check your return
    • 100% accurate calculations guarantee
    • SmartLook expert live help on demand

     
    Members save $10 savings on Federal Deluxe, $15 savings on Federal Premier, $20 savings on Federal Self Employed

    Put yourself in the driver’s seat with a better car buying experience.
     
    AutoSMART™ is a great online resource that helps you take control of the car buying process, from start to finish.

    • Auto loan rates as low as 6.94% APR5
    • Review thousands of new and used cars
    • Learn the Blue Book value for used vehicles
    • Find local dealerships and request pricing quote
    • Get pre-approved
    • Easy application and financing
    • All online and free to use!

    Save big with a certified used vehicle from Enterprise.

    • Receive a 1.00 APR% discount on your Patelco Auto Loan rate6
    • Choose from over 120 makes and models
    • Trade in your old vehicle
    • Competitive and below Kelly Blue Book pricing7
    • 109-point certification inspection8
    • 12-month roadside assistance9
    • Free CARFAX® vehicle history reports

    Secure your legacy and family’s future with an affordable and inclusive estate planning solution.
     
    Estate planning is for everyone. We’ve partnered with Trust & Will to offer our members estate planning services – and as a Patelco member, you’ll receive 25% off a will or trust.

    • It’s 100% online with easy step-by-step instructions
    • Expert help is available by chat, email, or phone
    • Save 25% off any estate plan and get the first shipment of documents for free
    • Built by attorneys and customized by you to fit your needs and wishes

    Save on your next vacation with exclusive Patelco member discounts.
     
    Patelco members save hundreds of dollars on their vacation with Get Away Today!

    • Save with discount Disneyland tickets, hotel rates and more
    • Or choose from over 1900+ destinations
    • Plan your trip with the travel experts
    • Book your vacation for only $175 down
    • Best price, best service guaranteed

1 You must enroll in Instant BackUp on your checking account to receive overdraft coverage up to $500. You’ll pay interest only on the amount you borrowed for the amount of time it’s outstanding. Talk to our Patelco team for assistance and learn more here. No overdraft fees applies to checking accounts opened after 4/05/2023.

2 Source: over 22,000 five-star reviews on the App Store.

3 LevelUp (formerly the Timely Repayment Incentive Program aka TRIP) is offered to members who are approved for the following loans at Patelco’s credit tier 2 or higher: auto, motorcycle, RV, boat, and personal loans, excluding all lines of credit. Total discount of up to 1.50% APR (Annual Percentage Rate) applied in 0.50% APR increments for every 12 consecutive on-time monthly payments. Maximum discount will never cause the final APR to be lower than the LevelUp floor rate for the specific loan and term at time of funding. Monthly payment amount remains constant, with additional money going toward principal, which shortens the term of the loan and the total amount paid over the life of the loan.

4 Maximum refund guarantee: If you get a larger refund or smaller tax due from another tax preparation method, TurboTax will refund the applicable TurboTax federal and/or state purchase price paid. TurboTax Online Federal Free Edition customers are entitled to payment of $14.99 and a refund of your state purchase price paid. 100% accurate calculations guarantee. 100% accurate calculations guarantee: If you pay an IRS or state penalty or interest because of a TurboTax calculation error, TurboTax will pay you the penalty and interest. TurboTax Expert Help, Tax Advice and SmartLook: Included with Deluxe, Premier and Self-Employed (via phone or on-screen); not included with Federal Free Edition (but available for purchase with the Plus bundle). SmartLook on-screen help is available on a PC, laptop or the TurboTax mobile app. TurboTax experts provide general advice, customer service and product help; tax advice provided only by credentialed CPAs, enrolled agents and tax attorneys. Feature availability varies by device. State tax advice is free. Service, area of expertise, experience levels, hours of operation and availability vary, and are subject to restriction and change without notice. CompleteCheck: Covered under the TurboTax accurate calculations and maximum refund guarantees.

5 APR (Annual Percentage Rate). Auto rates starting at 6.49 APR effective 01/01/2024; 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 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. New Auto loan payment examples: 0‑48 months: $23.77 per month per $1000 borrowed at 6.49% APR for 48 months; 49‑66 months: $18.16 per month per $1000 borrowed at 6.59% APR for 66 months; 67‑72 months: $16.98 per month per $1000 borrowed at 6.74% APR for 72 months; 73‑84 months: $15.25 per month per $1000 borrowed at 7.24% APR for 84 months. Used Auto loan payment examples: 0‑48 months: $23.89 per month per $1000 borrowed at 6.74% APR for 48 months; 49‑66 months: $18.28 per month per $1000 borrowed at 6.84% APR for 66 months; 67‑72 months: $17.10 per month per $1000 borrowed at 6.99% APR for 72 months; 73‑84 months: $15.35 per month per $1000 borrowed at 7.44% APR for 84 months.

6 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. Offer valid only on Enterprise Car Sales vehicles purchased from 11/1/2018 – 12/31/2021. This offer cannot be combined with any other offer other than those listed in this advertisement.

7 Price does not include tax, title, tags, governmental fees, any emissions testing charges, and any finance charges (if applicable). Unless otherwise stated separately in the vehicle details, price does not include processing, administrative, closing or similar fees of $149 or less. Vehicles subject to prior sale. We make every effort to provide accurate information including but not limited to price, miles and vehicle options, but please verify with your local Enterprise Car Sales location before purchasing. Current mileage may vary due to test drives and vehicle relocation. Used vehicles were previously part of Enterprise short term rental, lease fleet or purchased by Enterprise from other sources including auto auctions, with previous use possibly short term rental, lease or other.

8 Enterprise Certified.™ Each vehicle goes through a rigorous inspection by an ASE-certified technician. Restrictions apply. For details, see an Enterprise Car Sales Manager.

9 Enterprise 12-Month Unlimited Mileage Roadside Assistance Package is provided by the American Automobile Association (AAA) and its affiliated clubs in the United States and Canada. Some limitations & restrictions apply.

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