Weekdays | 10am - 6pm |
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Saturdays | 10am - 2pm |
Heather Ratterman
Fairfield Branch Manager
“Working to make your homeownership dream come true.” I work to provide friendly and professional mortgage services with great care. My experience analyzing complex credit, income and financial data help resolve problems that come up throughout the loan process. Continued communication and follow up will help you stay informed and connected. I have detailed knowledge of Conforming, Jumbo and First-Time Homebuyer programs. I am a US Army veteran, married with three children, and an outdoor enthusiast. I enjoy golfing and camping. I believe the best compliment I can receive for my work, is a referral of a family member or friend. My goal is to provide you with quick loan closings and peace of mind.
Sebastien Tomescu
Financial Advisor
CUSO Financial Services, L.P.1
CA Insurance License: 4038951
With nearly 10 years of credit union experience, Sebastien has a passion for helping Patelco members achieve financial wellness. He is equipped with a full range of financial planning strategies tailored to each person’s unique circumstances. He develops deep, long-term relationships and will carefully assess each member’s risk tolerance and time horizon to help them make informed investment decisions.
“My goal is to ensure our members spend less time concentrating on the financial aspect of their lives and more time pursuing the things that matter most to them.”
Sebastien has many years of comprehensive financial background experience and looks forward to meeting you and learning about your needs and aspirations.
Manage your everyday spending and access online banking tools that are tailored to you. Open a checking account today.
Explore a range of savings and money market accounts. Start earning when you open a savings account.
Credit cards with everyday low rates and $0 balance transfer fees, and personal loans to pay off high interest debt or other expenses.
Explore competitive rates on new or used car loans, and save on payments when you refinance your current auto loan.
Home loans for any need, with flexible lending options for new and existing homeowners. Refinance your existing mortgage to reduce payments or take cash out.
Personalized strategies, tools and expertise to help you along your financial journey. Learn more about our investing and financial planning services.
1 Non-deposit investment products and services are offered through CUSO Financial Services, L.P. (“CFS”), a registered broker-dealer (Member FINRA, SIPC) and SEC Registered Investment Advisor. Products offered through CFS: are not NCUA/NCUSIF or otherwise federally insured, are not guarantees or obligations of the credit union, and may involve investment risk including possible loss of principal. Investment Representatives are registered through CFS. Patelco Credit Union has contracted with CFS to make non-deposit investment products and services available to credit union members. Check the backgrounds of our investment professionals on FINRA’s BrokerCheck.