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
Low rates and flexible options with up to 30-year terms available.
Fixed payments
As low as 3%
With a Home Loan Consultant
A fixed-rate mortgage is exactly that. A mortgage with an interest rate that is fixed and stays the same throughout the term of your loan. It offers you consistency to help make it easier to set up your budget.
With a fixed-rate mortgage, the amount you pay toward the mortgage itself, the part that’s made up of your principal and interest, won’t change. Fixed-rate mortgages are a good choice if you think interest rates will rise and you want to keep the current market rate. In addition, if you see yourself staying in your home for a long time, are on a fixed income, and don’t expect to refinance, a fixed-rate mortgage may be the right option for you.
Competitive rates, plus low-down-payment and bridge-loan-alternative programs
Personalized advice and guidance at each step – find your Home Loan Consultant
Explore our First-Time Buyer Learning Center to learn about the home-buying process
Make offers with confidence and get pre-approved upfront
Once pre-approved, we’ll honor your rate for 30 days while you shop for a home1
We work fast to meet your closing deadlines on time
Rates Effective 02/10/2026
Loan Program
Amount
Rate
APR2
How much home can I afford? (Below, “Monthly child support payments” refers to child support payments made as a monthly expense, not to income from child support.)
Calculations provided are for demonstration purposes only and do not guarantee credit approval for the rate and terms displayed.
A fixed-rate mortgage has an interest rate that remains the same for the entire loan term. It’s a popular loan option because it provides stability and consistency. You won’t have to worry about the interest rate on your mortgage loan changing, so your principal and interest charges will remain the same. No matter what happens after you secure your loan, the rate at which you locked in your loan remains the same. Keep in mind, if your mortgage payment includes homeowners’ insurance or property taxes, then it might fluctuate due to changes in those costs.
Your mortgage loan’s interest rate is affected by a variety of things, including your credit score, down payment, and the amount of your mortgage loan, among other factors.
3% Down First Time Buyer Loan
WISH Down Payment Assistance Loan
5% Down Loan
10% Down Piggyback Loan
Buying a home is an important milestone and one of the biggest financial decisions you’ll make. But it can be stressful if you’re unsure of what to expect.
Our Home Loan Consultants will answer all of your questions so you’re well prepared and informed every step of the way.
Whether it’s your first home, a vacation property or an investment purchase, our Home Loan Consultants will meet with you to discuss your plans and goals.
They’re located locally and have a unique understanding of the Bay Area and Sacramento areas.
Take advantage of dealing with a local expert instead of one across the country.
Learn more through our Financial Wellness library.
1 Lock and Shop program is available for 1st mortgage Jumbo loan purchase transactions only. Must have a home loan application with Patelco to lock in a rate. Patelco will honor your rate up to 30 days from the date it is locked. Once a fully executed purchase contract is received, the rate will prevail until loan funding.
2 APR = Annual Percentage Rate. APRs are based on the following:
Rate shown at 60% loan-to-value (LTV), owner-occupied purchase with excellent credit and no subordinate financing. Your rate may be different than what is shown, there are pricing adjustments on certain scenarios.
High-Balance Mortgages allow for higher loan limits beyond the $832,750 conforming limit up to $1,000,000.00 for high-cost areas as determined by the Federal Finance Agency (FHFA). These higher limits are designed to make homeownership more affordable in areas with the highest home prices and are typically priced below jumbo mortgage loan.
3 Closing costs fees include applicable title, escrow and recording cost fees and will appear on the Closing Disclosure. The appraisal and credit report fee will be paid up-front by the member and reimbursed at closing. Hazard Insurance, Taxes, HOA fees, Purchase Owner’s Policy and Transfer Tax are not covered by Patelco. At least one borrower is a first-time home buyer (had no ownership interest in a property in the last three years). Applicable on the purchase of a single family residence and 30 year fixed conforming loans with minimum 740 FICO.
4 WISH program is not available in all counties. Loans subject to credit and collateral approval. Terms and conditions are subject to change. Enrollment in the WISH Program is not a guarantee to the homebuyer of receipt of funds. The grant recipients must sign a Promissory Note, Deed of Trust and Rider to the Deed of Trust and there will be a lien placed against the subject property for the amount of the grant that will remain on the property for five years. The amount owed will decrease by 20% for each year the borrower retains homeownership of the property as their primary residence. No payments toward the grant are due as long as the homebuyer resides in the property and abides by the terms of the grant. After five (5) years, the grant is forgiven, and the lien is released from the property. This is a fixed-rate loan with fixed monthly principal and interest payments for the life of the loan. Loan amounts available up to $832,750 on 1-unit properties. Mortgage insurance is required for loans exceeding 80% LTV. Minimum credit score and reserve requirements apply and may impact the amount that can be borrowed and the interest rate/APR for which you are eligible. Family income must not exceed 80% of the HUD Income Area Limits.
5 Eligible for conforming loan amounts and 95% loan-to-value (LTV) available on 15-and 30-year fixed jumbo mortgages only. Loans over 80% LTV require mortgage insurance (except for 10% down “combo loans” up to $2 million, which are only available in CA).
Rates, terms, conditions, and availability are subject to change or withdrawal at any time and without notice. Nothing herein is or should be interpreted as an offer or commitment to lend. Loans are subject to credit and property approval. Other conditions and restrictions may apply. Hazard insurance may be required. NMLS ID Number is 506373.
