The right checking account can build a strong foundation — find one tailored to your unique needs.
The right savings account helps you grow toward your goals — find one that fits your needs and lifestyle.
Manage your Patelco accounts effortlessly with our comprehensive support services.
Low rates, no annual fees — Patelco credit cards fit every lifestyle and financial goal.
Flexible loans and lines of credit to consolidate debt or cover life’s big expenses
Flexible lending options and programs for new and existing homeowners.
Take advantage of one of life’s biggest investments.
Drive off with an affordable new or used vehicle, or save on one you already own.
Have your fun and freedom with a great loan that fits into your financial plan.
Explore payment options and answers to commonly asked questions about loan payments with Patelco.
Up to $50,000. As low as 11.65% APR.
Get support managing your personal loans and much more.
Learn more about our local expertise, guidance and personal service.
Get support managing your loans.
Get support managing your auto loans and much more.
Get support managing your debit and credit cards and loans.
Tailored investment solutions to help you plan, invest, and secure your financial future.
Comprehensive insurance solutions to protect your assets and loved ones.
Complimentary one-on-one guidance from our Certified Financial Specialists.
Connect with us and find the right insurance option that fits your needs.
We provide a number of banking solutions to help your small business grow with peace of mind and personalized service.
Help your business grow with the convenience of our worry-free checking account.
Enjoy the convenience of higher transaction limits with low monthly fees.
Earn rewards points on your purchases with extra security features, tools and benefits.
Ensure peace of mind and keep your business going with overdraft protection.
Everything your business needs — from hardware to software — to process payments.
Simple and secure Payroll Solutions to help you better manage your business.
A convenient, secure account that helps your business grow with no monthly fee.
Get the most out of your Patelco Business relationship with a rate as high as 3.25% APY.
Meet with our Virtual BranchTM to open your account from the comfort of your home or business. You can schedule a video appointment or meet instantly with a Patelco team member.
Patelco’s Digital Banking provides secure, convenient access to your accounts anytime, anywhere. Manage your finances effortlessly with our comprehensive suite of online and mobile services.
Sign up for Patelco Online™ to access and manage your accounts securely.
Schedule a video appointment or meet instantly with a Patelco team member.
Send and receive money instantly with friends and family using Zelle®.
Manage accounts, pay bills, and transfer funds securely from any device.
Transfer funds between accounts or send money to others quickly and securely.
Bank on the go: check balances, deposit checks, send money and more.
Schedule and manage your bill payments online with ease and confidence.
Make secure, contactless payments using your mobile device at participating merchants.
Download our Mobile App to check your balance, make transfers, pay bills, deposit checks, plan and save securely and conveniently from your phone or tablet.
Patelco Credit Union is a full-service, not-for-profit financial cooperative dedicated to helping members and communities prosper. With nearly $10 billion in assets and over 550,000 members nationwide, we are one of the largest credit unions in the nation.
Learn more about Patelco’s community values, service in action, impact, events and partnerships.
As your trusted financial partner, we’re solely focused on helping our members build and sustain their best financial lives. Learn what makes Patelco membership different.
Get expert guidance, tools and support to take control of your financial future — from fraud prevention to education, relief options, and personalized advice.
Protect yourself from scams with tools, alerts, and tips to keep your info secure.
Explore financial hardship resources, loan relief options, and personalized support.
Tune in for expert interviews and real-life stories to help you master your money.
Get one-on-one coaching and tailored financial guidance from our financial specialists.
Join live and on-demand webinars to grow your financial knowledge and confidence.
Access tools, articles, and interactive course to support smarter financial decisions.
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Access to your accounts anywhere, anytime
Save on your payments or take cash out from your car to cover your financial needs
Fixed rates starting at 5.39% APR1
Up to 140% financing or 100% for a cash-out refinance
Up to 84 months
Refinancing is an excellent way to change the terms of your current auto loan, which can help you lower the annual percentage rate (APR). A lower APR can mean monthly savings for you, freeing up cash for you to use on other expenses.
Refinancing can help you reduce your current rate and interest you pay over time, while also lowering your car payments.
You may be surprised to learn you can also get cash back from your car’s equity. Borrow up to 100% of your car’s Kelley Blue Book value to use for your financial needs.
On average, our members save nearly $590 over the life of their loan by financing their car with us – now it’s your turn to save.2
Whether you recently purchased a vehicle and want to find more affordable terms, or have a higher-rate car loan elsewhere, refinancing may be the right solution for you.
Check your rate and pre-qualify within minutes
Calculate your potential savings side-by-side
Lock in your rate for up to 15 days3
Enjoy no application fees, no origination fees and no pre-payment fees
Members may qualify for rate reductions with LevelUp4
Borrow from your car’s value to help with your financial needs
Rates Effective 07/15/2026
Looking to finance a vehicle more than 10 years old? Contact us at the Patelco Virtual Branch™ to learn more.
An auto loan refinance is when you take out a new car loan to pay off your existing car loan. Refinancing a car loan may not seem as common as refinancing a mortgage, but it has big benefits worth exploring.
Even more than just saving on your payments or interest rate, sometimes it’s beneficial to extend or shorten your existing loan term. Depending on how far you are into your current loan, a shorter term and a new lower rate can help you pay off your loan faster. A longer term often offers a reduced monthly payment amount, making it easier on your budget if you’re juggling multiple expenses.
Yes, but it depends on how much you currently owe and your car’s estimated value. In most cases you can borrow up to 100% of your car’s value and use the funds to cover other expenses such as high-interest debt.
Be sure to explore our financial well-being resources.
1 Used Auto rates starting at 5.39% APR effective 07/15/2026. Lowest rate shown with a financed Loan-to-Value (LTV) ratio of 95%. Loans exceeding 95% LTV may be subject to higher rates. Rates are subject to change depending on the loan term, loan‑to‑value (LTV), vehicle age, vehicle mileage, credit history, account relationship, or promotional programs. Financing more than the vehicle’s value may result in a higher interest rate. Additional discounts may apply. Vehicle mileage greater than 100k will include an additional .50% added to rate. 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.
Used Auto loan payment examples: 0-48 months: $23.27 per month per $1,000 borrowed at 5.39% APR for 48 months; 49-66 months: $17.59 per month per $1000 borrowed at 5.39% APR for 66 months; 67-72 months: $16.38 per month per $1,000 borrowed at 5.49% APR for 72 months; 73-84 months: $14.55 per month per $1,000 borrowed at 5.79% APR for 84 months.
2 The study was completed by America’s Credit Union in Q4 2025. America’s Credit Union estimates that financing a $30,000 new automobile for 60 months at Patelco CU will save members an average $118 per year in interest expense compared to what they would pay at a banking institution in California. Member results may vary. Subject to approval.
3 Auto loan rate is valid 15 days from your loan approval date. Any change to term and/or vehicle information, credit history, account relationship, and Patelco promotional discounts or programs may result in a rate change. Your final rate will be disclosed to you in writing.
4 LevelUp 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.
5 Patelco runs a “soft” credit pull to determine which pre-qualification offer you qualify for. This doesn’t affect your credit score. If you choose to proceed with a loan application, Patelco will request your full credit report from one or more credit reporting agencies. This will be a “hard” pull and may affect your credit score.
