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
Earn Rewards Points on your purchases. Enjoy an everyday low rate and access special benefits.
As low as 11.90% APR1
Up to $50,000
$0
Choose the credit card that earns unlimited points on everyday purchases. Then redeem them for cash back, gift cards, travel and more.
With the Points Rewards World Mastercard you earn:
Introductory Bonus Offer: Get 20,000 extra points – worth $200 – when you spend $1,500 in the first 3 months of opening your card.
Apply now
Guide to Benefits
Terms & Conditions
Points Rewards Program Terms & Conditions
Rates as low as 11.90% APR1
Redeem points for cash back to your Patelco Checking or Savings account or apply it to your balance, gift cards, travel and more
Load it into your phone’s digital wallet, set it as your preferred online payment option or insert it when you’re out shopping.
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 >
Cellphone Protection Learn more >
Zero Liability Protection Learn more >
Rates Effective 12/26/2025
You have the flexibility to redeem your points for what you want and when you want. Points can be redeemed for cash back to your Patelco Checking or Savings account or apply it to your balance, gift cards, travel and more.
The Points Rewards World Mastercard is packed with features that offer security and convenience including Zero Liability Protection, Cellphone protection, Assistance with lost or stolen card, and Travel Benefits. Learn more.
We calculate your monthly charges based on your balance and your annual percentage rate (APR). If you pay your card off in full each month, you won’t be charged interest. If you don’t pay your card off in full each month, you will be charged interest. Even though your APR is a percentage expressed in terms of a year, it is also used to calculate charges for a single month. When you carry a balance and don’t pay off your card in full, you’ll be charged interest based on the annual rate but calculated in terms of how long you’ve carried that balance.
Your points do not expire and can be redeemed as long as your account is open.
The Points Rewards World Mastercard is great if you tend to pay off your balance each month and want to earn points to reward yourself. If you’d like help deciding, meet with someone in our Virtual Branch. They are available for immediate service and appointments during business hours.
The Patelco Points Rewards World Mastercard Credit Card is a great option if you want to earn points and get a competitive low rate.
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 Variable APR (Annual Percentage Rate) 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.
