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.
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
When you join Patelco, you'll experience the difference between simply being a customer and being a member. As a member-owned not-for-profit financial cooperative, we hold ourselves to a higher standard. Our people-before-profits philosophy is deeply rooted in our mission to help improve financial health for our members.
Anywhere Banking Access your account any time with 37 branches in Northern California, 30,000 surcharge-free ATMs and 6,000+ shared branches nationwide along with online, telephone and mobile banking. Learn More
Annual Insurance Check-Up Save an average of $651/yr with a free annual insurance check-up with a licensed professional. Learn More
Personal Financial Counseling Your employees will have access to Personal Financial Counselors, workshops, online education and advice. Learn More
Plus Checking Account Plus checking is a one-of-a-kind account that offers automatic round-up savings and a 10% match. Identity theft protection, worldwide ATM fee rebates and other account features save our members an average of $642/yr.1 Learn More
Free Checking If you simply want a basic account without a lot of extras, we offer our Free Checking Account. Enjoy $0 monthly fee and no minimum balance plus free overdraft transfers from a linked account. Learn More
Interest Checking A $10 opening deposit gets you an everyday account that pays steady interest. It's free with a monthly direct deposit of $100 or more or a minimum daily balance of $500 (otherwise it’s only $5 per month). Learn More
Money Market Savings Account Empower your employees to reach their goals with our 2.00% APY Money Market Savings, a high-paying liquid account that offers one of the highest savings rates in the country.2,3 Learn More
I think Patelco is a great financial partner for me. I feel like they care about where I'm going and what my goals are. - Simone, Patelco member for three years
I think Patelco is a great financial partner for me. I feel like they care about where I'm going and what my goals are.
- Simone, Patelco member for three years
Home Loans We're making the path to home ownership easier and possible for more people with low rates, flexible term options, and local expertise. Purchase a home with just 3% down and no closing costs. Learn More
Home Equity Lines of Credit Loans Your home equity can be a powerful financial tool for home improvement and consolidating debt. We can give you access to low-cost funds with fixed and variable rate options. Learn More
…through Patelco, I have been able to save money for myself, for my two kids, and the grandkids…I've taken loans out. I have paid for cars…I have a whole house paid for…banking with Patelco, I've been able to accomplish that. - Margaret, Patelco member for 38 years
…through Patelco, I have been able to save money for myself, for my two kids, and the grandkids…I've taken loans out. I have paid for cars…I have a whole house paid for…banking with Patelco, I've been able to accomplish that.
- Margaret, Patelco member for 38 years
LevelUp Automatic Rate Reduction Program We recognize everyone may not qualify for the absolute lowest rate, and we want to help our members get there. That's why we reduce rates on select loan types every year when payments are made on time. So far, over 75% of members in this program reduced their rate and improved their credit score.4 Learn More
Switch to Save The Switch to Save program helps members quickly compare their existing credit card and loan rates and fees to Patelco's, demonstrating the value and savings Patelco can deliver. Learn More
Overdraft Protection Loans Low-rate Overdraft Protection Loans for checking accounts significantly reduce non-sufficient fund (NSF) fees, saving members hundreds of dollars a year in NSF fees. Learn More
Auto Loans We offer affordable low rates and flexible terms up to 84 months. Whether you're looking to buy a new car or refinance, we deliver competitive solutions. Motorcycle, boat and RV loans are also available. Learn More
Personal Loans We offer loans for just about any need with competitive low rates and debt consolidation options. Plus, we will work with you on a payment and loan term that is best for your needs. Learn More
Credit Cards Low rates and no annual fees or balance transfer fees, our Pure Mastercard® Credit Card is a great option for everyday purchases. Learn More
1 Identity, Credit, and Round-Up features all require enrollment. Insurance products are not a deposit, not NCUA insured, not an obligation by the Credit Union or its affiliates, and not guaranteed by any government agency. ATM fee rebates do not apply to any fees other than those assessed for using an ATM to withdraw cash from your Patelco Credit Union account. Cell phone protection is subject to additional terms and conditions. Participating merchants on Patelco Plus are not sponsors of the program, are subject to change without notice, may not be available in all regions and may choose to limit deals. Policies and account features subject to change without notice. Combined services valued at $642 per year based on research on websites for Lifelock®, AT&T®, Sprint®, Verizon®. $6.95 monthly fee applies.
2 APY=Annual Percentage Yield. Rates are valid as of 03/01/2026 and are subject to change after account opening without notice. Interest is paid at tier rates on balances within each tier. Total interest paid is the sum from each tier. Blended APY shown assumes the amount entered is held in the account for one year. Withdrawing funds before one year will result in a different realized rate. No minimum deposit required to open an account. Limit one Money Market Select Account and one Money Market Select IRA Account per account number.
3 Bankrate.com 03/01/2026.
4 LevelUp our automatic rate reduction program 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 Seasonal Loans and 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 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.
