We’re new to your neighborhood, and we’re here to help you save. When you become a member, you’ll join our member-owned, not-for-profit, credit union and get all of the advantages from the products and services we offer, like lower fees, better rates, and higher savings than the big banks.
Membership is free.†
The City Center branch is a first for Patelco: we’re sharing a space with Sprinkles bakery – a national cupcake favorite (known for their handcrafted baked goods made with only the finest ingredients)! Come visit the new location to take care of your everyday banking with our branch team and enjoy freshly baked cupcakes too!
Branch features include:
* The savings example is calculated based on $20,000 loan amount as of July 2020. Credit card using estimate Industry average rate and a 2% payment assumption. Personal loan using Patelco’s last 90 days funded loan averages for rate and term. Auto refinance using Patelco’s last 90 days funded loan averages for rate and term. Actual savings may vary for individuals based on balance, rate and term. This is not a commitment to lend.
1 APR (Annual Percentage Rate). Auto rates starting at 6.49% APR effective 08/25/2023; 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.
2 At closing, you have the option to select up to 90 days of deferred loan payments on your new or used auto loan. The actual number of days will depend on the terms of the loan. Interest will accrue on your auto loan beginning on the date the loan is funded and the first payment will be applied to interest accrued from the date the loan is funded to the first payment date and then to principal due.
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.
