Our branches and call center are closed Monday, February 16.
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
Save with an everyday low rate and no annual fee.
As low as 10.25% APR1
Up to $50,000
$0
You found it! The credit card that has your back. There are no teaser rates here – just an everyday low rate when you need to carry a balance. And, with no annual fee and no balance transfer fee, you can save even more.
Bonus Offer: 0% APR for 6 months on balance transfers made in the first 90 days
Apply Now
Guide to Benefits
Terms & Conditions
Rates as low as 10.25% APR1
You can save money and pay off balances faster when you consolidate credit card debt from higher rate cards
Load it into your phone’s digital wallet, set it as your preferred online payment option or insert it when you’re out shopping – you have the flexibility to use your card the way you choose
Set up alerts, view your account activity, and even lock or unlock your card in Patelco Online™
Special insurance cancels your loan payments or loan balance, up to contract maximums, if you become unemployed, disabled, or pass away
Mastercard ID Theft Protection Learn more >
Zero Liability Protection Learn more >
A balance transfer credit card is designed to lower your monthly payment by offering a low interest rate and allowing you to pay-off the balance of higher rate credit cards.
Many balance transfer cards offer 0% APR for an introductory period which lowers your overall loan cost, so you can pay off debt more quickly. (When that period ends, your interest rate rises.) Look for a balance transfer card with a small or no transfer fee.
Rates Effective 12/26/2025
APR Range1
Range of APR4
Make a list of your credit cards. Note your current balances, the APR, and your current minimum payment.
Evaluate card options, focusing on the long-term APR and balance transfer APR terms. Look for cards with no fees on balance transfers.
Get prequalified so you can see what APR and credit limit you qualify for. Just know that this doesn’t harm your credit.
If you qualify for favorable terms, complete your credit card application, get approved, and request a balance transfer (or two).
Pay attention to how long the balance transfer will take. You don’t want to miss a payment on your old card and pay unwanted interest.
Your goal is to reduce your interest rate and pay down your credit card debt quickly. So, it’s a good idea to pay more than the minimum payment, especially during the 0% APR period.
The best way to request a balance transfer after opening an account is to use the Balance Transfer form in Patelco Online™. Learn how to request a credit card balance transfers..
Your old credit card will remain open unless you request to close the account. Keeping the account open will help improve your credit score, as long as you don’t start using it for purchases again.
The Pure credit card is packed with features that offer security and convenience including Zero Liability Protection, Priceless Cities, Assistance with lost or stolen card, and Travel Benefits. Explore Patelco credit card benefits and support.
The Pure Mastercard is great if you’re looking for a low rate because you might need to carry a balance. We have other cards that offer perks like Rewards Points. If you’d like help deciding, meet with someone in the Patelco Virtual Branch™. They are available for immediate service and appointments during business hours.
The Patelco Pure Mastercard Credit Card gives you a smart and easy way to pay.
Ready to begin building your credit? Find out how to build credit with and without a credit card from the experts at Patelco.
Are you worried about paying off credit cards? You have options. Find out how to pay off credit card debt from the experts at Patelco.
With so many credit card options, it’s hard to know which one to choose. Get the questions you need to ask to determine what credit card is best for you!
1 APR=Annual Percentage Rate. Variable APR as of 12/26/2025. Rate adjusts monthly and equals prime rate for previous month plus a margin range based on credit worthiness. Applies to Purchases and Balance Transfers.
