Remain vigilant for Patelco phone number spoofing. Our Patelco team will never reach out to you directly to ask for your card details, like expiration date or CVV code.
Our branches and call center are closed Monday, September 2.
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 our payment support center to learn more about loan modification options.
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.
Follow and like us to get the latest news, financial tips, and special offers.
Access to your accounts anywhere, anytime
Get help with your Health Savings Account.
With Patelco Online™, you can securely manage your Health Savings Account (HSA).
An HDHP is a health insurance plan that meets the dollar limits shown in the table below. For 2024, annual catchup contributions are $1,000 for individuals 55 or older.
High-deductible health plans and contribution limitations change annually to reflect cost-of-living increases.
2024 HDHP Limits
HSA Tiered Rates
Rates Effective 01/01/2020
The maximum contribution amounts you can make to your HSA account (based on your coverage) are in the chart above. Please ensure that you meet the eligibility requirements to open an HSA account to contribute.
You can, but you’ll need to pay a 20 percent tax penalty for the total amount you withdraw.
Patelco Credit Union HSA Department #25 3 Park Place Dublin, CA 94568
Yes. Everyone who has an HSA or contributes to one is required to report: the account holder, employers, and the HSA’s custodian or trustee.
See the complete IRS list of qualified medical expenses (PDF).
You can find your complete 14-digit HSA account number by logging into Patelco Online™ or the Mobile App and selecting your HSA account. Then select Account Details (or Show Details on the Mobile App) and look for Account Number for Direct Deposit and ACH Transactions. Full Patelco HSA numbers begin with “746” followed by zeroes (enough to make the full number 14 digits long), your Member Number, and a two-digit account type identifier.
For example, the complete 14-digit HSA account number for Member Number 12345 with HSA account suffix 80 is 74600001234580 (746 + 0000 + 12345 + 80)
You’ll need to use your complete 14-digit HSA account number when submitting requests for electronic contributions and/or electronic payments.
The check will be returned. The IRS considers overdrafts as prohibited transactions.
Yes and no. Once you have Medicare, you can no longer make contributions to your HSA. You can still withdraw the funds for qualified medical expenses.
1 APY = Annual Percentage Yield
