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.
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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.
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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.
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From low down payment options, to flexible loan programs and one-on-one support – we’ll get you home.
For fixed-or adjustable-rate loans
From a Home Loan Consultant
Buying a home is one of the biggest financial decisions you’ll make in your lifetime. We understand you’ll have questions and we’re here to provide answers.
Whether it’s your first home, a vacation property or an investment purchase, we’ll help you get there.
With low fees, flexible programs, and expert advice, we’ll work with you to help you find your place to call home.
Fixed-and adjustable-rate options and low down payment programs
Personalized advice and guidance at each step – find your Home Loan Consultant
Search for properties, receive special discounts and more with Home Advantage
Make offers with confidence and learn more about getting pre-approved upfront
Lock in your rate while you make offers on homes1
We consistently meet deadlines and close quickly
Rates Effective 08/05/2024
Loan Program
Amount
Rate
APR2
*Speak to a Home Loan Consultant about FHA, VA and USDA rates.
5/1 30-Year Adjustable3
5/5 30-Year Adjustable4
7/1 30-Year Adjustable3
10/1 30-Year Adjustable3
10/10 30-Year Adjustable5
5/1 30-Year Adjustable Jumbo3
5/5 30-Year Adjustable Jumbo4
7/1 30-Year Adjustable Jumbo3
10/1 30-Year Adjustable Jumbo3
10/10 30-Year Adjustable Jumbo5
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.
We’ll guide you through this step. We recommend having a preliminary conversation with one of our Home Loan Consultants first. They’ll ask you some questions about your goals, down payment basics, income and more to get an idea at what price point you may qualify for. To get an actual amount and estimate of your monthly payments and costs, you’ll want to apply and get pre-approved.
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. We encourage you to use our mortgage loan calculator to see your options or speak to a Home Loan Consultant for a more accurate quote.
It’s a common misconception that you need a 20% down payment to buy a home. In fact, you can get into a home with a down payment as low as 3% and no closing costs6. We offer several programs designed to help make homeownership more affordable. Here’s an overview of the most common options and their benefits: You should be aware that you must immediately pay off this type of debt if you sell your home, just like you must pay off your first mortgage (if you have one). Additionally, your home could be foreclosed if you don’t pay the loan. That’s because your home is the collateral (the guarantee) for the loan.
Down Payment Assistance Loan
3% Down First-Time Buyer Loan
5% Down Loan
10% Down Piggyback Loan
Buying a home is an exciting milestone, but there’s a lot of information out there and it can feel overwhelming at times. Having a good partner on your side can make all the difference.
Our Home Loan Consultants are experts in their trade, and bring local expertise, guidance, and support throughout the entire process. They’ll answer all of your questions so you’re well-informed and ready to take the next step toward your new home.
Learn more from our well-being resources.
1 Lock and Shop program is available for first (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:
Conforming 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. Please use the rate calculator on our mortgage application site to receive a better estimate for your scenario. 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.
High-Balance Mortgages allow for higher loan limits beyond the $766,550 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 The index is the weekly average of the 1-year US Treasury securities adjusted to constant maturity of one year, as made available by the Federal Reserve. The caps are 2% annually and 6% lifetime based on the initial rate. The current index is 4.80%. Your rate may be different than what is shown.
4 The index (for 5/5 product) is the weekly average of the 5-year US Treasury securities adjusted to constant maturity of five years, as made available by the Federal Reserve. The caps are 2% every adjustment and 5% lifetime based on the initial rate. The current index is 4.01%. Your rate may be different than what is shown.
5 The index (for 10/10 product) is the weekly average of the 10-year US Treasury securities adjusted to constant maturity of ten years, as made available by the Federal Reserve. The caps are 3% every adjustment and 6% lifetime based on the initial rate. The current index is 4.10%. Your rate may be different than what is shown.
6 Closing costs fees covered by Patelco 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, Transfer Tax and Mortgage Insurance (if applicable) are not covered by Patelco. Loans subject to credit and collateral approval. Loans over 80% LTV require mortgage insurance.
7 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. FHL Bank San Francisco Middle-Income Down Payment assistance program is not available in all counties. Terms and conditions are subject to change. Enrollment in the program is not a guarantee to the homebuyer of receipt of funds.
8 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.
