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.
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.
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
1 Refer a friend using your personal referral code. For you and your friend or family member to qualify for the first $50 bonus, they must use the code provided to become a member and open a new checking account with an initial $100 deposit by July 31, 2026 at any Patelco branch or at patelco.org/refer. The $50 bonus will be credited to both of your savings accounts within five business days after the checking account requirements are met. The new member can earn an additional $50 bonus by opening a money market account, once the checking qualifications have been met. This bonus will be credited to the new money market account. Patelco team members are not eligible to receive the $50 reward credit. If you receive $600 or more in prizes from Patelco throughout the year, we’ll send you an IRS Form 1099.
1 The offer applies to new members using code R7BWNBFB to open a new checking account (minimum deposit of $100) at a Patelco branch only.
Student Checking is available for ages 13-17. Students age 18 and older will be eligible for Free Checking with the same offer. The $50 checking reward will be credited to the savings account within 5 business days of the qualifying new account being opened. Receive an additional $50 reward by opening a Money Market Select or Money Market Plus account once you’ve met the checking account reward requirement.
The additional $50 will be credited to the money market account. If you receive $600 or more in prizes from Patelco throughout the year, we’ll send you an IRS Form 1099.
Natalie H. As a married couple looking into homebuying for the first time, we were very hesitant about talking to a financial institution out of concern for being sold on something that wasn’t reasonable for our finances or lifestyle…This is a really big deal for us, and we’re so grateful to be able to work with a […]
Mihdi M. Over 14 years ago, I walked into a Patelco branch and it turned out to be the best banking experience of my life. The staff there were incredibly friendly and attentive to their customers. Patelco’s fraud protection measures were top-notch. Patelco not only educates its customers but also listens to their needs and works with […]
Tiffany C. Very nice, helpful and accommodating. Offer to non-members to cash checks drawn from a Patelco account fee-free and minimum verification requirements. And I arrived 8 minutes before closing and they were still open until 6pm, which is the time stated online and did not close 5-10 minutes early like others do! Thank you for a […]
Jennifer E. Way back when the banks were starting to charge fees for everything, I got a letter from my bank telling me that I would be charged to use my debit card! Around the same time, I saw that there was a movement about dropping your bank and going to a credit union to send a […]
Kevin H. I have been a member of Patelco Credit Union for several years now, and I cannot express enough how pleased I am with the outstanding service I consistently receive…at Patelco, they know me by name when I walk in the door! Overall, Patelco Credit Union, thanks to exceptional team members, has exceeded my expectations. I […]
rates as high as
3.50% APY
rates as low as
5.44% APR
rates starting at
7.25% APR
Check your balance and get personalized insights on spending habits
Monitor your credit score, add a trusted contact, set alerts and more
Transfer money between accounts, pay friends or bills, and deposit checks
Create financial goals for life events and auto-save with each purchase
