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
The Patelco Instant BackUp™ Line of Credit allows you to cover your checking account against extra fees if you go below your balance.
17.90% APR1
Up to $500
If you have an unexpected shortage of funds in your Patelco checking account, your overdraft line of credit takes over to cover you.
Once you sign up for this convenient feature, we will process your transactions on your Patelco Checking account, even if they dip your balance below $0.00. Instead of paying an overdraft fee, you’ll pay interest only on the amount you borrowed for the amount of time it’s outstanding.
No cash advance fees (unlike credit cards), plus get a competitive, fixed rate
Interest you would pay is much less than an overdraft fee
With on-time payments, can help establish credit history on your credit report
Access overdraft protection with no credit check
Rates Effective 04/05/2023
This is a line of credit that may be used if your checking account does not have enough funds when a check, debit or withdrawal is made against your checking account. It enables your transactions to go through (up to your available limit) even if the balance in your account falls below $0.00. Additionally, the line of credit establishes credit on your credit report. You only pay interest on the amount used
Correct, you may only use your Patelco Instant BackUp™ Line of Credit for overdraft advances to your checking account, you may not make any transfers or withdrawals with the Instant BackUp™ Line of Credit.
There is no fee on the Patelco Instant BackUp™ Line of Credit. As with most unsecured loans, if you incur a late payment, this may be reported to the credit bureaus.
The minimum payment is $25.00 or 2% of the unpaid balance, whichever is greater. (If balance is less than $25.00, minimum payment will be full balance owed.)
Enrolling is easy! Log in to enroll today. Have questions? Meet face-to-face online with our Virtual Branch™ or schedule an appointment.
Use Patelco Online™ to manage your accounts online:
Find out how to manage your money better and improve your financial well-being. Get 10 money management tips from Patelco and begin mastering your money now!
Learn why and how you should do a budget review to keep your budget realistic. Find important questions to ask to help you manage your budget and stay on track!
How do I stay on top of my bills each month? Follow these 7 tips to better manage your monthly bills.
1 APR = Annual Percentage Rate. All loans are subject to credit approval, restrictions apply, rates are subject to change. Loan rates offered effective 04/05/2023. The APR range is 17.90% for Instant BackUp™ Line of Credit. Minimum payment is $25.00 or 2% of the unpaid balance, whichever is greater. (If balance is less than $25.00, minimum payment will be full balance owed.) To learn more about rates, terms, and exclusive discounts for members, such as Commitment Household, call 800.358.8228 or visit any Patelco branch.
2 While your credit report is not pulled for the purpose of using your credit score to qualify you for a specific interest rate for the Instant BackUp Overdraft Line of Credit, Patelco Credit Union does, and will report your payment history to the credit bureaus.
