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.
Lock in a limited-time 7-Month New Money Certificate to earn a fixed-rate and a guaranteed return.
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.
Access articles, guides, and tools to enhance your financial knowledge.
Access to your accounts anywhere, anytime
Pay down high-interest loans and credit cards faster when you Switch to Save.
Get ahead with one manageable payment
Borrow up to $100,000 for 7 years
Pay less interest over the life of your loan
Borrow up to $100,000 with flexible terms up to 7 years
With a lower credit card rate, you can save on interest and pay down balances faster with no transfer fee
Build a personalized financial plan with a Certified Financial Specialist
Get guidance on a variety of topics with our free webinars to help you live a better financial life
We’ve partnered with Banzai to provide additional support — their coaches can help you gain insight into your financial life and plan wisely
BALANCE provides you with access to financial education and resources, and they can also assist with no-cost financial counseling to help you manage spending and debt
Should I consolidate my personal debt into a new loan?
Calculations provided are for demonstration purposes only and do not guarantee credit approval for the rate and terms displayed.
Make a list of your creditors, balances, interest rates, and any prepayment penalties.
Compare rates and terms to see if consolidating debt could lower your monthly payments or help you save on interest.
Apply for your loan and use the funds to pay off higher-interest debt so you can manage a single monthly payment.
Yes and no. When you apply for a debt consolidation loan, the inquiry will hurt your credit score initially. But your credit score may improve over time, if you make on-time payments, pay down debt, and (thanks to the new loan) expand your credit mix.
Simple interest is generally calculated based on your principal balance. Compound interest is calculated based on your principal balance plus any accumulated interest from previous periods. Put simply, compound interest may make the amount you owe grow at a much faster pace than simple interest. For instance, if you borrow $10,000 at 10% for a loan term of 5 years, the total amount of the loan would be:
Patelco is committed to helping our members on their road to financial wellbeing. Please reach out to one of our Certified Financial Specialists to have a confidential conversation about your finances today.
Patelco members can use a debt consolidation loan to pay off any type of personal debt such as credit cards, auto loans, medical debt, and student loans.
No, Patelco Credit Union does not charge prepayment penalties on personal loans for debt consolidation.
Learn more about how you can borrow up to 100% of your car’s value and use the funds to cover other expenses such as high-interest debt or any other kind of financial need.
Trying to get out of debt? Learn about debt consolidation, how to consolidate, if it hurts your credit, and how to avoid scams.
Debt consolidation may be a good idea for some people. Learn the pros and cons, when to consider it, and how to determine the best way to consolidate for you.
Your debt-to-income ratio will help to determine your credit card and loan options. Learn what it is, how to calculate, what is good and how to lower your DTI.
1 APR = Annual Percentage Rate
