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
Establish or re-build your credit. Plus, save with no annual fee and a low rate.
Low rate of 11.45% APR1
Up to $10,000
$0
This card is for you if you’re looking to establish or re-build your credit.
How it works
You’ll also benefit from no annual, balance transfer, over-the-limit, or returned payment fees. Get started today and apply now.
Guide to Benefits
Terms & Conditions
One low rate of 11.45% APR1
Set up alerts, view your account activity, and even lock or unlock your card in Patelco Online™
No-cost personal information protection with your Mastercard debit or credit card — learn more here
Additional protection should someone make unauthorized purchases with your card — learn more here
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
Rates Effective 09/26/2023
On credit cards, the interest rate and APR are the same thing. Some financial products have a different interest rate and APR (annual percentage rate). That’s because the interest rate is the rate to borrow the money itself; it’s based on market rates and your individual credit score. The APR, on the other hand, includes other fees and costs that are also part of the loan; it’s decided by the lender. You can think of the interest rate as a way of determining your monthly costs, and the APR as a way to determine the entire cost of the loan. Federal law requires that lenders like us tell you the APR in every consumer loan agreement.
A primary advantage of credit cards is that they allow you to make larger purchases that you may not have the cash for right now – such as an appliance or an unexpected car repair.br/ Another advantage of credit cards is that they are an easy way to build your credit history and (when used properly) increase your credit score. Having an established credit history and a good credit score can help you get a better loan later for buying a car or a house.
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.
The Pure Secured Mastercard is great if you’re looking establish or re-build your credit. If you’d like help deciding, meet with someone in our Virtual Branch. They are available for immediate service and appointments during business hours.
You will need to be at least 18 years of age, have a Social Security number, US address and US saving or checking account, and provide all the required information in the online application.
If you pay your balance in full and close your credit card account, we’ll refund your security deposit. This might take a billing cycle or two to process.
The Patelco Pure Secured Mastercard Credit Card gives you a convenient and secure way to pay.
November 8, 2019
Ready to begin building your credit? Find out how to build credit with and without a credit card from the experts at Patelco.
October 29, 2019
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!
Sign up for Patelco Online™ and download the Mobile App and you’ll have convenient, secure access to your account.
• Check your balance • See transactions • Make a payment and transfer funds
1 APR=Annual Percentage Rate. Variable APR as of 09/26/2023. Rate adjusts monthly and equals prime rate for previous month plus a margin range based on credit worthiness. Applies to Purchases and Balance Transfers.
