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
Tax-advantaged1 funds to help you save on doctor visits, prescriptions, and more
High Deductible Health Plan (HDHP) enrollees
Up to the IRS allowed maximum for the year
$2 monthly fee starting year 2
An HSA is for individuals and families with High Deductible Health Plans. It is an IRA-like account that allows you to save for present and future health expenses. All account balances are interest-paying and federal tax-deductible. For 2025, individuals can contribute up to $4,300 to their HSA accounts and families can contribute up to $8,550. Additional catch-up contribution of $1,000 if more than 55 years old.
Contributions are made into the account by the individual or their employer and are limited to a maximum amount each year.
The contributions are invested over time and can be used for qualified medical expenses, such as medical, dental, and vision care, as well as prescription drugs.
Qualified withdrawals are tax and penalty free at any time regardless of age or length the account has been open, and if used for qualified health care expenses.
An HSA provides easy options for contributions and withdrawals:
HSA delivers federal tax savings, tax-free earnings and more1
Use the funds to pay for current medical expenses or save for future qualified health needs
No “use it or lose it” rules with an HSA
Keep your HSA or move it between financial institutions if you change jobs
Family saves money on all prescription medication purchases
Get quality, convenient, and low-cost lab testing
HSA Tiered Rates
Rates Effective 10/01/2025
You are eligible for HSA any calendar month if you:
Still not sure whether you qualify for an HSA? Call us at 800.358.8228.
An HDHP is a High Deductible Health Plan is health insurance with a high minimum deductible for medical expenses that must be paid before insurance kicks in. In other words, your monthly premium is usually lower, but you pay more health costs yourself before the insurance company covers its share. High-deductible health plans and contribution limitations change annually to reflect cost-of-living increases.
2025 HDHP Limits
For 2025, annual catchup contributions are $1,000 for individuals 55 or older.
Yes, HSAs are portable. You can transfer the assets in your HSA from another financial institution to Patelco.
The maximum contribution amounts you can make to your HSA account (based on your coverage) are in the chart below. Please ensure that you meet the eligibility requirements to open an HSA account to contribute. High-deductible health plans and contribution limitations change annually to reflect cost-of-living increases.
Sole proprietors and others who are self-employed can have an HSA, and are, in fact, often ideal candidates for an HSA. In such situations, the business owner is both employer and employee. HSAs are often advantageous for the self–employed because:
1 Consult your tax advisor about HSA tax advantages.
2 APY = Annual Percentage Yield
