Patelco at Work

Discover how Patelco can help create a stronger culture of financial health for your employees.

Trusted legacy

100+ partner companies

Tailored products

With better rates, lower fees

Financial wellbeing

Employee resources & advice

A no-cost financial wellness program for employees

Financial stress has skyrocketed, affecting employee wellbeing and organizational success. Recent studies show that 92% of employees stress about their finances, and it’s costing employers nearly $200 billion annually.¹ That’s why it’s time for companies to offer personal finances as part of their overall benefits package to help boost employee productivity, loyalty and retention.

Click on the options below to learn more about the Patelco at Work program for employees.

Why Patelco for Employees

Learn about our rich history, our wellness values and the perks of our program.

Explore Patelco

Product and Service Benefits

Learn more about the everyday rewards, benefits and cost-savings of our products.

Explore products

Employee Wellness Resources

Employees can access a variety of resources from free 1:1 advice to webinars, articles and podcasts.

Explore resources  

How Patelco can help your organization

Unlike a traditional Employee Assistance Program, we take a holistic approach to financial wellness by providing professional 1:1 counseling, financial education, and products and services with better rates and low-to-no fees compared to most banks to help reduce money worries so your employees can live happier, fuller lives.

A legacy worthy of your trust your trust

One of the largest credit unions in the nation, serving employers and members for over 87 years
Teaming with 100+ partner companies across a variety of industries
37 Northern California branches with over 500,000 members
Not-for-profit means putting the needs of our members first and supporting our philanthropic missions

Learn more about Patelco

What we offer our partners

Dedicated Partnership Manager

A single point of contact assigned to support your program, and ensure its day-to-day needs are taken care of

On-Site Financial Wellness Support

Lunch and learn educational workshops, staff and new hire presentations, health fair booths and wellness events

Ongoing Employee Resources

Access to complimentary expert mortgage and investment advice, ongoing marketing support and fraud resources

Patelco’s financial health and wellness services are a powerful investment in the wellbeing and success of employees. It not only enhances their financial security but also reaffirms my agency’s commitment to our employees.

Brittney M | Citrus Heights Water District

Products and services that give employees more

Your employees will instantly feel the difference between membership at Patelco and being a typical customer elsewhere. That’s because we’re a not-for-profit credit union and they’ll be a member-owner here at Patelco. We don’t have to answer to stockholders and the needs of our members come first here, not profits.

And since profits are returned to members, we can offer banking that your employees can trust with more savings, better rates, lower fees and an impressive suite of products with features and benefits they won’t find anywhere else. Learn more below.

The Patelco difference

Products for any journey

From savings, loans to credit cards and mortgages, we have financial solutions tailored to employees needs

Automatic rate reduction²

We can help employees reduce loan payments by lowering their rates as a reward for on-time payments

ScoreUp loan³

Offering employees credit building and repair services that are affordable and simple to navigate

Banking on their terms

Convenience with Virtual Branch, 36 local branches, 30,000+ fee-free ATMs and a top-rated Mobile App⁴

Expertise and personalized advice

Refer employees to Patelco’s financial experts to help guide them through life’s biggest milestones

Early payday for employees

With Patelco’s direct deposit, employees can access their fund up to 2 days early⁵

More savings, more possibilities

We believe in the importance of saving. That’s why your employees will automatically get a Regular Savings account when they join. There’s no monthly fee and no minimum balance requirements. Your employees can also earn savings rates as high as3.25% APY⁶ with our Money Market Plus account and lock-in competitive rates with our Certificates.

No Monthly Fees

Patelco Free Checking

Employees can earn $50 with a new checking account and an initial $100 deposit.⁷ We offer features such as RoundUp for automatic savings, an early payday and an easy direct deposit switch.

Open Account Explore Checking

No Opening Minimum

Health Savings Account

Employees can manage High Deductible Health Plans (HDHP) using tax-advantaged funds with more ease, allowing them to save for present and future health expenses for them and their families.

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Frequently asked questions about Patelco at Work

No. Patelco at Work is a free financial wellness program with no costs to the employers that participate.

We do not require contracts to partner with companies of all types and sizes. We will provide marketing materials about the program for the employers to share with their employees.

Yes. Please reach out to us at patelcoatwork@patelco.org to schedule an in-person or virtual presentation covering a variety of financial wellness topics including: budgeting & saving, credit, home buying, auto buying, retirement and more. 

Yes. We offer Health Savings Accounts and support to set up group enrollment for your employees. Contact patelcoatwork@patelco.org for more information.

Yes. Contact patelcoatwork@patelco.org to submit a request for your event. The Patelco at Work team hosts presentations, onsite tabling, hosts onsite events, attends wellness fairs, offers 1:1 onsite financial coaching, and more.

We can support your office or employees that work remotely or are out of the area with our Virtual Branch, webinars or online tools.

Financial wellness resources to help employees thrive

Whether employees are looking to level up their financial knowledge through webinars, advice-driven articles, podcasts, calculators or online courses, Patelco has an extensive collection of resources to help guide them during the moments that matter most. Explore a few of our options below.

Resources for reading, watching and listening

Expert articles about budgeting, retirement planning or fraud prevention

Webinars hosted by experts on home buying, debt, estate planning and more

Engaging podcasts about financial wellness for employees on the go

Listen to our Patelco at Work podcast

Workforce Benefits

Elevate Wellbeing Benefits with Patelco at Work

September 20, 2023

00:17:15

Join seasoned financial experts Peggy Wyman and Shaida Samimi as they unpack how our free Patelco at Work program is transforming financial wellness in the workplace. Our Patelco at Work team offers tailored solutions, from credit repair to budgeting.

Interested in learning how personal finances as part of an overall benefits program can help boost productivity and increase retention in the workplace?

Listen on Spotify Listen on Apple Podcasts

Coaching, calculators and courses

Certified Financial Specialists

Help with goal planning, savings strategies, budgeting, and more. Learn more here.

Banzai Direct

Banzai Direct offers financial education training through engaging articles, coaches, podcasts, videos and calculators.

BALANCE

BALANCE provides members with articles, coaching, webinars and 1:1 counseling programs. Access it here.

Elevate employee well-being today

Contact our Patelco at Work team to learn more about how we make a financial wellness benefit simple and seamless to implement.

¹ Loan amount may vary by county.

² Eligible for conforming loan amounts and 95% loan-to-value (LTV) available on 15-and 30-year fixed jumbo mortgages only. Loans over 80% LTV require mortgage insurance.

Rates, terms, conditions, and availability are subject to change or withdrawal at any time and without notice. Nothing herein is or should be interpreted as an offer or commitment to lend. Loans are subject to credit and property approval. Other conditions and restrictions may apply. Hazard insurance may be required. NMLS ID Number is 506373.