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
Pursue your best life in retirement with one of our retirement account solutions.
A popular option that reduces your taxable income by deducting contributions. You’ll pay taxes when money is withdrawn in retirement.1
Owe taxes when you contribute money to the account, but contributions grow tax-free and without early withdrawal penalties.1
Take control of your retirement savings and rollover your 401k plan from a former employer.
Business retirement plan that gives you tax-deferred savings as a small business owner.1
Tax advantages as you grow your retirement savings1
Discuss your investment options with a complimentary consultation with a CFS Financial Advisor available through CUSO Financial Services, L.P. (“CFS”)2
Choosing deposit products offers a guaranteed return on principal, federally insured up to $250,000
Competitive tiered rates with no-to-low minimum balance requirements
Get guidance on which investment solutions might best fit your retirement needs. Schedule a complimentary meeting with any of our experienced CUSO Financial Services, L.P. (“CFS”) financial advisors.3 We’ll talk with you about your goals and interests, find out where you are financially, and get you started on a path that works for you.
You can open and fund one without employer participation. Contributions/earnings are tax-deferred until retirement.1 Depending on your plan participation and income, you may benefit from tax deductions. Your funds are always available, which is generally not true of employer plans. There’s no minimum contribution.
The main difference between them is when you pay taxes.1 A Traditional IRA is tax deferred. This means that you can contribute money before it’s taxed, and you don’t owe taxes on those contributions or your earnings until you withdraw the money. It’s likely that you will be earning less when you begin to withdraw from your IRA, which means that you may end up being in a lower tax bracket and paying less overall in taxes. A Roth IRA is not tax deferred, which means you owe taxes when you contribute the money to the account. But that means you won’t have to worry about paying them later and your contribution can grow tax-free. Withdrawals of contributions and earnings are tax free if your account has been open at least five years, and you’re at least 59 and a half.
A Roth IRA conversion is when you take savings from a Traditional, SEP or SIMPLE IRA, or qualified employer-sponsored retirement plan (QRP), such as a 401(k), and move them to a Roth IRA. Once you convert to a Roth IRA, it can’t be undone. At the time of conversion, you will pay the appropriate taxes due on before-tax dollars converted; the 10% additional tax does not apply on the amount converted. The benefits of tax-free income in retirement may justify the conversion. Your tax advisor is always the best person to discuss your specific situation and provide guidance for your situation.
We want to help you invest your money wisely. Schedule a complimentary meeting with any of our experienced CUSO Financial Services, L.P. (“CFS”) financial advisors. We’ll talk with you about your goals and interests, find out where you are financially, and get you started on a path that works for you.
Forms can be found on the IRA Support page.
1 Consult tax advisor about IRA tax advantages.
2 Non-deposit investment products and services are offered through CUSO Financial Services, L.P. (“CFS”), a registered broker-dealer (Member FINRA/SIPC) and SEC Registered Investment Advisor. Products offered through CFS: are not NCUA/NCUSIF or otherwise federally insured, are not guarantees or obligations of the credit union, and may involve investment risk including possible loss of principal. Investment Representatives are registered through CFS. Patelco Credit Union has contracted with CFS to make non-deposit investment products and services available to credit union members.
Financial Advisors are registered to conduct securities business and licensed to conduct insurance business in limited states. Response to, or contact with, residents of other states will be made only upon compliance with applicable licensing and registration requirements. The information in this website is for U.S. residents only and does not constitute an offer to sell, or a solicitation of an offer to purchase brokerage services to persons outside of the United States.
3 Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, Certified Financial Planner™ and federally registered CFP (with flame design) in the U.S., which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
