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
Discover how Patelco can help create a stronger culture of financial health for your employees.
100+ partner companies
With better rates, lower fees
Employee resources & advice
Financial stress has skyrocketed, impacting employee wellbeing and organizational success. Recent studies show that 92% of employees stress about their finances, and it’s costing employers nearly $200 billion annually.1 That’s why it’s time for companies to offer personal finances as part of their overall benefits package to help boost employee productivity, loyalty and retention. Click on the options below to learn more about the Patelco at Work program for employees.
Learn about our rich history, our wellness values and the perks of our program.
Learn more about the everyday rewards, benefits and cost-savings of our product
Employees can access a variety of resources from free 1:1 advice to webinars, articles and podcasts.
Unlike a traditional Employee Assistance Program, we take a holistic approach to financial wellness by providing professional 1:1 counseling, financial education, and products and services with better rates and low-to-no fees compared to most banks to help reduce money worries so your employees can live happier, fuller lives.
A single point of contact assigned to support your program, and ensure its day-to-day needs are taken care of
Lunch and learn educational workshops, staff and new hire presentations, health fair booths and wellness events
Access to complimentary expert mortgage and investment advice, ongoing marketing support and fraud resources
Patelco’s financial health and wellness services are a powerful investment in the wellbeing and success of employees. It not only enhances their financial security but also reaffirms my agency’s commitment to our employees.
Brittney M | Citrus Heights Water District
Your employees will instantly feel the difference between membership at Patelco and being a typical customer elsewhere. That’s because we’re a not-for-profit credit union and they’ll be a member-owner here at Patelco. We don’t have to answer to stockholders and the needs of our members come first here, not profits. And since profits are returned to members, we can offer banking that your employees can trust with more savings, better rates, lower fees and an impressive suite of products with features and benefits they won’t find anywhere else. Learn more below.
From savings, loans to credit cards and mortgages, we have financial solutions tailored to employees needs
We can help employees reduce loan payments by lowering their rates as a reward for on-time payments
Offering employees credit building and repair services that are affordable and simple to navigate
Convenience with Virtual Branch, 36 local branches, 30,000+ fee-free ATMs and a top-rated Mobile App4
Refer employees to Patelco’s financial experts to help guide them through life’s biggest milestones
With Patelco’s direct deposit, employees can access their fund up to 2 days early5
We believe in the importance of saving. That’s why your employees will automatically get a Regular Savings account when they join. There’s no monthly fee and no minimum balance requirements. Your employees can also earn savings rates as high as 3.50% APY6 with our Money Market Plus account and lock-in competitive rates with our Certificates.
Employees can earn $50 with a new checking account and an initial $100 deposit.7 We offer features such as RoundUp for automatic savings, an early payday and an easy direct deposit switch.
Employees can manage High Deductible Health Plans (HDHP) using tax-advantaged funds with more ease, allowing them to save for present and future health expenses for them and their families.
No. Patelco at Work is a free financial wellness program with no costs to the employers that participate.
We do not require contracts to partner with companies of all types and sizes. We will provide marketing materials about the program for the employers to share with their employees.
Yes. Please reach out to us at patelcoatwork@patelco.org to schedule an in-person or virtual presentation covering a variety of financial wellness topics including: budgeting & saving, credit, home buying, auto buying, retirement and more.
Yes. We offer Health Savings Accounts and support to set up group enrollment for your employees. Contact patelcoatwork@patelco.org for more information.
Yes. Contact patelcoatwork@patelco.org to submit a request for your event. The Patelco at Work team hosts presentations, onsite tabling, hosts onsite events, attends wellness fairs, offers 1:1 onsite financial coaching, and more.
We can support your office or employees that work remotely or are out of the area with our Virtual Branch, webinars or online tools.
Whether employees are looking to level up their financial knowledge through webinars, advice-driven articles, podcasts, calculators or online courses, Patelco has an extensive collection of resources to help guide them during the moments that matter most. Explore a few of our options below.
September 20, 2023
00:17:15
Join seasoned financial experts Peggy Wyman and Shaida Samimi as they unpack how our free Patelco at Work program is transforming financial wellness in the workplace. Our Patelco at Work team offers tailored solutions, from credit repair to budgeting.
Interested in learning how personal finances as part of an overall benefits program can help boost productivity and increase retention in the workplace?
Help with goal planning, savings strategies, budgeting, and more. Learn more here.
Banzai Direct offers financial education training through engaging articles, coaches, podcasts, videos and calculators.
BALANCE provides members with articles, coaching, webinars and 1:1 counseling programs. Access it here.
Contact our Patelco at Work team to learn more about how we make a financial wellness benefit simple and seamless to implement.
1 Source: The State Of Mental Health At Work Isn’t Good, New Studies Show (forbes.com)
2 LevelUp (formerly the Timely Repayment Incentive Program aka TRIP) is offered to members who are approved for the following loans at Patelco’s credit tier 2 or higher: auto, motorcycle, RV, boat, and personal loans, excluding all lines of credit. Total discount of up to 1.50% APR (Annual Percentage Rate) applied in 0.50% APR increments for every 12 consecutive on-time monthly payments. Maximum discount will never cause the final APR to be lower than the LevelUp floor rate for the specific loan and term at time of funding. Monthly payment amount remains constant, with additional money going toward principal, which shortens the term of the loan and the total amount paid over the life of the loan and is not required to maintain your Patelco membership.
3 The ScoreUp savings account is used as collateral for your ScoreUp loan. As of 02/16/2023 the APY (Annual Percentage Yield) for of the ScoreUp savings account is 0.05% and is subject to change without notice.
4 Source: over 22,000 five-star reviews on the App Store.
5 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.
6 APY=Annual Percentage Yield. Rates are effective as of 08/01/2024 and are subject to change before or after account opening without notice. Rates vary by tier and apply to the full balance.
7 To qualify for the $50 bonus, you must use the employer code provided to open a new checking account (minimum deposit of $100). The $50 reward will be credited to your savings account within 5 business days of the qualifying new account being opened. If you receive $600 or more in prizes from Patelco throughout the year, we’ll send you an IRS Form 1099.
