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
Earn rewards points on your purchases and access extra security features, tools, and benefits to fit your business’ needs.
As low as 11.15% APR1
Up to $40,000
$0
The Patelco Business Mastercard® Credit Card is packed with benefits and comes with an everyday low rate and no annual fee. Earn Rewards Points on everyday business purchases, then redeem them for cash back, gift cards, travel, and more. With the Business Rewards credit card, you earn 1.5 points per $1 for all business purchases.
Introductory Bonus Offer: Get 20,000 extra points – worth $200 – when you spend $1,500 in the first 3 months of opening your card.
Guide to Benefits
Terms & Conditions
Points Rewards Program Terms & Conditions
Please note we are unable to provide business banking services to certain types of business. A detailed list is included at the bottom of this page.
Rates as low as 11.15% APR1
Use Patelco Online™ and our top-rated Mobile App² to track expenses, check account balances, file a claim or dispute a charge, request a balance transfer, and report a lost or stolen card
Protect and manage your card with Patelco Online™ or the Mobile App. You can review account activity, lock or unlock your card, and more! Card holders can also sign up for Mastercard ID Theft Protection for free
Redeem points for cash back to your Patelco Business Checking account or apply it to your balance, gift cards, travel and more
Tap your card to make contactless purchases or add it to your mobile phone’s digital wallet to make payments on the go
Mastercard Easy Savings™ Learn more >
Mastercard Business Offers Learn more >
Rates Effective 11/16/2025
APR Range1
See your points add up by using your new Business Rewards credit card as your preferred payment method for your favorite websites, apps or service providers, including these:
The Patelco Business Rewards Mastercard® Credit Card is a great option if you want to earn points and get a competitive low rate. As an introductory bonus offer, you’ll get 20,000 extra points – worth $200 – when you spend $1,500 in the first 3 months of opening your card.
You have the flexibility to redeem your points for what you want and when you want. Points can be redeemed for cash back to your Patelco Business Checking or Savings account or apply them to your balance, gift cards, travel, and more. Your points do not expire and can be redeemed as long as your account is open.
The Business Rewards Credit Card also comes with these benefits:
To be eligible for a Business Rewards Credit Card at Patelco, your business must be established for at least two years.
Your Business Rewards Credit Card helps keep your business expenses separate from personal ones, so it’s easier for you when filing taxes. Keeping your business accounts separate also helps with any audits.
Yes, you can use your rewards for your personal use.
1 Variable APR (Annual Percentage Rate) as of 11/16/2025. Rate adjusts monthly and equals prime rate for previous month plus a margin range based on creditworthiness. Applies to Purchases and Balance Transfers.
2 Source: over 22,000 five-star reviews on the App Store.
The following is a non-exclusive list of business types that Patelco does not serve: (1) any business subject to any sanctions prohibitions administered by the Office of Foreign Assets Control; (2) medical marijuana dispensaries or any other business involved in the marijuana industry; (3) money services businesses or MSBs (ATM machines, check cashing, vending machines, cash-intensive businesses, etc.); (4) gambling businesses; (5) digital currency businesses; (6) third party payment processors; (7) prostitution businesses, whether legal or not; (8) embassies, consulates, and diplomatic missions; (9) pawn shops or pawnbrokers; (10) anonymous ownership entities; (11) adult entertainment businesses; (12) firearms and ammunition manufacturing businesses; (13) businesses that advocate violence or hate against any group or individual; (14) businesses that are engaged in an activity that is illegal under state or federal law; (15) businesses that present a high degree or risk, and (16) businesses that could be detrimental to Patelco’s reputation or values.
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