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.
Follow and like us to get the latest news, financial tips, and special offers.
Access to your accounts anywhere, anytime
Access 30,000+ fee-free ATMs and manage your money with ease using our top-rated Mobile App
0.05% APY1
$5 waived with minimum daily balance of $500
The Patelco Interest Checking account is a great option if you regularly maintain a daily balance of $500 or more and want to earn interest on your account.
The $5 monthly fee is also waived if your account is set up for a monthly direct deposit of $100 or more, or if you’re a Patelco Commitment Household Member.
Plus, payday can come even sooner when you set up direct deposit for your account. Get paid up to two days early — without an additional fee.2
It takes minutes to open a Patelco Interest Checking account.
Set up Direct Deposit and access your funds up to 2 days early
Pay with confidence with Digital Wallets and Zero Liability Protection
Automatically grow your savings with every purchase you make
Find one near you on our Mobile App
Choose from Zelle®, Bill Pay, wire transfers and more in our top-rated Mobile App3
Automate alerts such as direct deposits or low balances to stay on top of your finances
Rates Effective 01/01/2026
Minimum Balance
Min. Balance
APY
APY1
Set up monthly direct deposit of $100 or more
Maintain a minimum daily balance of $500 or more.
You’re a Patelco Commitment Household Member.
We calculate dividends on all of our accounts using the daily balance method, which applies a daily periodic rate to the balance in the account each day. No dividends will be earned on any day that the account balance is below the stated minimum to earn dividends. The daily balance method does not apply to the frequency of compounding or crediting the dividends. Dividends are credited (posted) on the last day of the dividend period. The interest-bearing checking account dividend rate and APY are variable and can be adjusted by the Board at their sole discretion at any time. For current dividend rates and APYs, please see our website. Dividends are calculated daily and credited monthly on the last day of the month.
It’s easy to waive the $5 monthly fee if you meet one (or more) of the following requirements:
You will receive your debit card in the mail typically within 5 business days after you’ve opened your account. Or, you can pick up a debit card at a branch near you.
You can find one of the 30,000+ fee-free ATMs at patelco.org/locations or on our Mobile App.
Members who set up direct deposits into their Patelco checking, savings, or money market accounts can get paid up to 2 days early2 — so you can access your funds faster. It’s easy to switch your direct deposit and verify your employment directly in the Mobile App.
Check orders may be placed through Patelco Online™ or our Mobile App. Go to Account Services then Check Services to place your order. If this is your first order or if you need to make changes to a previous order, please contact us directly.
Patelco is a member owned, not-for-profit financial cooperative. When you join Patelco, you become a member and a shareholder. That’s why we’ll deposit one share ($1) in your Share Savings account when you join. Our mission is to help members achieve lifelong financial well-being so you can live happier, fuller lives. Unlike the big banks or other for-profit financial institutions, we invest our profits back in our members with better rates and low- to no fees. We also offer free financial coaching to anyone who wants to improve their financial situation. Members have told us that they feel seen, heard, informed, and supported to make more confident financial choices. Membership is free. You become a member when you open an account with us. Check out all the benefits of Patelco membership.
Your Patelco checking account comes with a free Debit Mastercard® that lets you make purchases easily and securely:
Americans aren't writing as many checks, but they are still around. Learn how to write, endorse, cash, and void a check and get tips for keeping your money safe.
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Protecting your debit and credit cards from fraud is important to keeping your finances safe. Find out how it’s as simple as remembering T-R-I-P-L-E!
Earn up to 20% cash back on your everyday spending when you use your checking account to buy gift cards from your favorite stores and brands.
1 APY=Annual Percentage Yield. Rates are valid as of 01/01/2026.
2 Early access to direct deposit funds depends on the timing of the receipt of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date.
3 Source: Over 34,700 5-star reviews across Apple iOS and Google Play app stores.
Mastercard and Mastercard Global Service are registered trademarks, and the circles design is a trademark, of Mastercard International Incorporated.
Zelle® and the Zelle®-related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
