The right checking account 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 12.40% APR.
Get support managing your debit and credit cards and loans.
Learn more about our local expertise, guidance and personal service.
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.
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.
Manage accounts, pay bills, and transfer funds securely from any device.
Bank on the go: check balances, deposit checks, send money and more.
Make secure, contactless payments using your mobile device at participating merchants.
Schedule and manage your bill payments online with ease and confidence.
Transfer funds between accounts or send money to others quickly and securely.
Send and receive money instantly with friends and family using Zelle®.
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 500,000 members nationwide, we are one of the largest credit unions in the nation.
Higher savings, better rates, and fewer fees. Patelco membership connects you to more.
Discover all the perks, savings and resources that come with being a Patelco member.
Learn about our history, our core values and our mission to build financial wellbeing.
Meet the people who are dedicated to helping you live your best financial life.
We’re united in our mission to help uplift each other, our members and communities.
Patelco’s latest news and announcements, media and press, awards and more.
See exactly how we’re doing by reviewing our latest financials.
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.
Learn more about Patelco’s community values, service in action, impact, events and partnerships.
Learn about our impact, purpose and involvement in the communities we call home.
Check out our sponsored community events and ones we participate in.
Discover how we can create a stronger culture of financial health for your employees.
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Access to your accounts anywhere, anytime
A convenient, secure account that helps your business grow — and gives you access to your money when you need it.
0.05% APY1
Start with a $1 deposit
More savings for you
If you’re a small business owner, you want a business savings account that goes farther for you. A Patelco Business Savings account makes it easy to start saving now — it’s a cost-effective tool for earning on your business income. Start saving with as little as a $1 deposit to open your account and watch your savings grow. With no monthly fee, no minimum balance requirement and convenient access to your money when you need it, a Business Savings account can help put your company’s goals within reach. Contact the Patelco Virtual Branch team to get started today!
Open your account with a $1 deposit
No fees for your first 25 transactions each month2
Set up direct deposit or automatic transfers to help your savings grow
Access your accounts anytime from anywhere to view account activity, set alerts, send or transfer money and deposit checks
Here’s what you need to get started.
Rates Effective 12/05/2023
A Business Savings account is a great way for businesses to save money and earn interest on their balance. Any business based in an eligible location, regardless of size, can open an account. You’ll need to provide some documentation related to your small business and make a deposit of at least $1 to open your Business Savings account. Our Business Banking account checklist includes additional details. Please note we are unable to provide business banking services to certain types of business. The detailed list is included at the bottom of this page.
There’s no monthly fee with a Patelco Business Savings account! If you exceed 25 transactions per month, your account will be charged $0.25 per additional transaction. There is a $0.50 excess cash fee per $100 deposited or purchased after $5,000 in cash.
You’ll need to make an initial deposit of at least $1 to open an account. You’ll also need to provide government-issued documentation related to your business.
Your Business Savings account works just like any other savings account. If you have a checking account, you can use your debit card to make payments and ATM withdrawals, or visit a branch to perform a transaction in person. To deposit money into your account, use our top-rated Mobile App to make mobile deposits, visit a Patelco branch, or use one of 30,000+ fee-free ATMs.
Patelco Online™ and our Mobile App offer fast, easy ways to move money between your Patelco accounts or transfer funds between bank accounts.
There are many benefits to opening a Business Savings account, including:
With no monthly fee, no minimum balance requirement and convenient access to your money, Patelco Business Savings is a great way to start earning interest on your extra cash. So whether you’re an established business or just getting started, start building your savings today.
1 APY = Annual Percentage Yield
2 Accounts are subject to a $0.25 transaction fee if account exceeds 25 transactions each month. Accounts are subject to an excess cash fee of $0.50 fee per $100 deposited or purchased after $5,000 in cash.
3 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.
