As a not-for-profit, member owned financial co-op, we’re passionate about helping members achieve lifelong financial wellbeing. For a limited time, get up to $100 when you join Patelco. Start by opening a Free Checking account with an initial $100 deposit. You must enter referral code R6BVXWWJ to receive your first bonus of $50!
Get up to $100 when you join Patelco
Open a Free Checking account with code R6BVXWWJ to receive your bonus1
Open Free CheckingStart with Free Checking
No Fees
No monthly fees or overdraft fees2
Get Paid Early with Direct Deposit3
Set up Direct Deposit and get paid up to 2 days early
30,000+ free ATMs nationwide, including most 7-Elevens
Find one near you on our Mobile App
Debit Mastercard® Card
Add to your digital wallet and pay with confidence with Zero Liability Protection
Top-rated Mobile App4
Access your accounts on the go
Get to know Patelco
514,000+
members nationwide and growing
36
local branches and a Virtual Branch™
89
years of proudly serving the community
$1,500
average annual savings per loyal household5
Earn an additional $50 by opening Money Market Plus
Our Money Market Plus account is the perfect account for anyone who wants easy access to their money at an outstanding savings rate as high as 4.00% APY6 — that’s 4x the national average.7
- No minimum deposit, no monthly fees
- Your money is liquid and you’re earning a top rate
- Insured up to $250,000 by the NCUA ($500,000 for joint owners)
- Quick and easy money transfers between accounts – without any limits
To earn our top savings rates, you must make a monthly deposit of $500 or more into your Patelco checking account. Hurry – this offer expires July 31, 2025.
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.
PATELCO MEMBER
Prefer talking to someone?
Meet online with our Virtual Branch — where you can drop in or schedule an appointment to meet virtually from the comfort of your home or office. Prefer to visit a branch? Find a Patelco location closest you (appointments available too!)
1 To qualify for the $50 bonus, you must use the code R6BVXWWJ to become a member and open a new checking account (minimum deposit of $100) by July 31, 2025 at any Patelco branch or online. The $50 reward will be credited to your savings account within 5 business days of the qualifying new account being opened. Receive an additional $50 reward when you open a Money Market Select or Money Market Plus account. Patelco team members are not eligible. If you receive $600 or more in prizes from Patelco throughout the year, we’ll send you an IRS Form 1099.
2 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. No overdraft fees applies to checking accounts opened after 04/05/23.
3 Early access to direct deposit funds depends on the timing of the receipt of the payment file from the payer. We generally make these funds available on the day the payment file is received up to 2 days earlier than the scheduled payment date.
4 Source: over 22,000 five-star reviews on the App Store.
5 Based on the Credit Union National Association Membership Benefits Study in Q4 2024 and rates and fees as of 03/17/2025. Assumed to have a $30,000, 60-month new auto loan, a classic credit card with an average balance of $5,000, a $200,000, 30-year fixed rate mortgage (a 30-year fixed rate mortgage is replaced with a 5-year adjustable rate mortgage if it yields a greater benefit as it is assumed more in demand), $5,000 in an interest-bearing checking account, $10,000 in a 1-year certificate account, and $2,500 in a money market account.
6 APY=Annual Percentage Yield. Rates are effective as of 03/01/2025 and are subject to change before or after account opening without notice. Rates vary by tier and apply to the full balance.
The following variable interest rates will apply to your account balance: 4.00% APY on balances of $250,000.00 or greater, 4.00% APY on balances between $100,000.00 and $249,999.99, 3.51% APY on balances between $50,000.00 and $99,999.99, 3.00% APY on balances up to $49,999.99.
In order to attain higher interest rates the account must meet the eligibility requirements, that is a Patelco checking account (opened under the same Member Number) with a total monthly deposit of $500 or more. If the account fails to meet eligibility, the lower interest rate of 0.05% APY will be defaulted. Qualifying deposit transactions include: Payroll direct deposits, Social Security (or other government benefit) direct deposits, ACH transfers, Zelle®, Venmo, PayPal or other similar deposits, cash deposits, check deposits (except checks written from another Patelco account), wire transfers, multiple deposits (of the types listed above) that add up to at least $500 in a calendar month. Qualifying deposit transactions do not include Patelco account-to-Patelco account transfers, chargebacks or promotional incentive payments from Patelco.
For more details, read our Money Market Plus Account Overview.
7 Rate at 3.96x California Average: Data from Informa rates as of 02/26/2025 on balances of $250,000.