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
We provide a number of banking solutions to help your small business grow. Explore our customized products below to choose the right one for your business.
Help your business grow with the convenience of our worry-free Business Checking account.
Earn Rewards Points on your purchases and access extra security features, tools, and benefits to fit your business needs.
Everything your business needs — from hardware to software — to process credit or debit card payments.
A convenient, secure account that helps your business grow— and gives you access to your money when you need it.
Get the most out of your Patelco Business relationship with a rate as high as 3.50% APY1
Access your money and accounts almost anywhere with our Mobile App
Deposits are insured up to $250,000 (per account) by the NCUA
Manage your accounts with Patelco Online™
Say goodbye to fees and overdrawn checking accounts when you link certain accounts
As required by law, our Virtual Branch team members will ask for names, addresses, taxpayer ID numbers and other information to help us identify your business and its owners.
To become a business member at Patelco Credit Union, the business must operate in one of our eligible counties or cities:
Counties
Cities
Credit unions are typically not-for-profit organizations, so they often have lower fees and better interest rates than banks. Your money is also safe at a credit union: Deposits are insured by the National Credit Union Administration up to $250,000 per account. Credit unions like Patelco are also member-owned, so they tend to offer more personalized service and support. Patelco offers a wide range of small business accounts and services, including business checking and savings accounts, credit cards, overdraft protection and merchant services.
It’s important to consider your business needs and budget before you open your small business account. Some things you should consider:
A business account can lend credibility to your small business and opens your small business up to greater investment opportunities. It may also offer liability protection and make financial transactions easier. Finally, a separate business account can make it easier to manage your business finances and accounting.
Here’s some of the information we’ll ask for:
We’ll also need additional documents based on the type of business you own. We’ll provide the list when you meet with Virtual Branch. We’ve created an easy to follow checklist that outlines what an individual must have in order to establish a business membership with Patelco.
1 APY=Annual Percentage Yield. Rates are effective as of 01/01/2026 and are subject to change before or after account opening without notice. Rates vary by tier and apply to the full balance.
The following variable rates will apply to your account balance: 3.50% APY on balances of $250,000 or greater, 3.25% APY on balances between $100,000 and $249,999.99, 3.00% APY on balances between $50,000 and $99,999.99, 2.75% APY on balances between $25,000 to $49,999.99, 2.50% APY on balances between $5,000 to $24,999.99, and 0.05% APY up to $4,999.99.
In order to attain higher rates the account must meet the eligibility requirements, that is a Patelco checking account (opened under the same Member Number). If the account fails to meet eligibility, the lower rate of 0.05% will be defaulted for that month.
