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
Join Patelco and start saving for a brighter financial future.
0.05% APR1
None
None required
A savings account is the foundation for achieving lifelong financial wellbeing and lets you put away money you don’t plan to spend right away in an insured account while earning interest and providing security. Open a savings account to become a Patelco member today.
As a member owned, not-for-profit financial cooperative, Patelco reinvests in our members with better rates and low- to no fees.
In fact, members with most of their banking relationships with Patelco received $1,652 in savings on average in 2021.2
Access your accounts anytime from anywhere
Enjoy the convenience of easy cash withdrawal
Find one near you on our Mobile App
Automate alerts such as direct deposits or low balances to stay on top of your finances
Set up monthly direct deposits or automatic transfers and grow your savings
Link to your checking account and pay no overdraft fees
Rates Effective 01/01/2020
Term
Min. Balance
APY1
Rate
Dividends Paid
How much do I need to save for emergencies?
Calculations provided are for demonstration purposes only and do not guarantee credit approval for the rate and terms displayed.
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 wellbeing 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 advice 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 and comes with great benefits. You become a member when you open an account with us.
No. There’s no monthly fee and no minimum balance requirements.
You will receive your ATM card in the mail typically within 5 business days after you’ve requested it. Or, you can pick up a debit card at a branch near you.
When you join Patelco, you become a member and a shareholder. The $1 we deposit into your shares savings account is your “share” in Patelco. As a member-owner – your voice is heard. With other for-profit banks or fintech, you are a customer who buys something, or a client who receives a professional service in return for a payment.
Our ScoreUp Loan is designed to help you establish credit if you have no credit, little credit or may need some help improving your credit score. Loan proceeds are deposited into a ScoreUp Savings Account and the funds will be available when the loan is paid in full. By making manageable monthly payments on time, you’ll be establishing a positive credit history, while also growing your savings. (Automatic payments from a Patelco account are required.)
Great, you’re thinking about your emergency fund! Get expert advice on how to determine how much you need, accurately calculate your expenses, and build a cash reserve.
If you’re saving for a big goal, here’s the concrete steps for you to take that will move you closer to reaching it.
How do I decide whether to prioritize saving or paying off debt? The good news is that you can make progress in both areas of your financial health by making a financial plan that accounts for your goals.
1 APY = Annual Percentage Yield.
2 Annual and individual member figures are from the Credit Union National Association Membership Benefits Study in 2021. Assumed to have a $30,000, 60-month new auto loan, a classic credit card with an average balance of $5,000, a $200,000, 30-year fixed rate mortgage (a 30-year fixed rate mortgage is replaced with a 5-year adjustable rate mortgage if it yields a greater benefit as it is assumed more in demand), $5,000 in an interest-bearing checking account, $10,000 in a 1-year certificate account, and $2,500 in a money market account.
3 Savings and ScoreUp Savings have the same rates, reflected above. A ScoreUp Savings Account is opened in conjunction with a ScoreUp Credit Builder Loan.
