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
Your savings can be your ticket to building or rebuilding your credit.
Starting at 2.50% APR1
Up to 60 months
Savings Secured Loans are the perfect loan option to increase your credit no matter where you’re starting from.
For a quick, low-rate loan, use your savings as collateral! With a Savings Secured Loan, the money you already have on deposit is used as collateral, and you can borrow up to the amount you have in your savings with terms Up to 60 months.
All secured loans require collateral. For example, when you take out an auto loan, the car is used to secure the loan. The car is the collateral. Similarly, your home is considered the collateral when you get a mortgage or home equity loan.
With a Certificate Secured Loan, your Certificate of Deposit acts as collateral. Certificate Secured Loans allow you to retain your investment while getting additional cash you may need. And since Certificate Secured Loans are personal loans, you can use the money for almost any expense.
With a Certificate Secured Loan, you can borrow up to the amount of your share certificate, with the full amount due at the same time your certificate matures.
No fee to open or set up the loan and a fixed low rate at 2.50% APR.1
You can borrow up to 100% of the money you have in your Patelco savings account or Certificate. Minimum opening balance is $300.
For a Savings Secured Loan, choose a payment term that works for you to pay off the loan – from 6 to 60 months.
Continue to earn interest on your Savings or Certificate while you pay back the loan.
In addition to making your payments on time, a Secured Loan itself can help raise your credit score.
Rates Effective 02/16/2023
Type
Term
Amount
APR1
How much can I afford?
Calculations provided are for demonstration purposes only and do not guarantee credit approval for the rate and terms displayed.
A secured personal loan is a good choice for building credit or repairing credit when you have money in savings or Certificate. Your monthly payment doesn’t change, and you pay a lower interest rate while your credit improves. A Savings and Certificate Secured Loan offers a lower, fixed rate than an unsecured personal loan because the loan is secured. It uses the money you have on deposit or in your Certificate as collateral, and can be a smart way to improve your credit.
Yes. It is a good option to help older teens and young adult children who don’t have credit. It can also help reinforce smart money management and careful budgeting.
It’s a personal decision and one that varies based on preference and circumstances. Saving money can be tough – and you worked hard to build up your savings account. If you’re in need of cash for an unexpected expense or big purchase, you may consider borrowing against it with a Savings Secured Loan. This way, when the loan is paid off with minimal interest charges, you still have your savings.
At Patelco, we put your financial wellbeing first and provide free financial coaching with a Patelco Certified Financial Specialist.2 Your financial specialist can help you create a personalized strategy so you can feel in control of your money and track your progress.
Confused about your credit? Get the facts on what it is, what lenders consider a good credit score, how to check your score, and how to maintain a good credit history.
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!
It’s important to monitor your credit. Find out how to check your credit score, get a free report and what to look for on your credit report from the reporting agencies.
1 APR (Annual Percentage Rate). All loans are subject to credit approval, restrictions apply, rates are subject to change. Loan rates effective as of 2/16/2023. Equal to the rate you are receiving on the certificate pledged as security at the time the loan is obtained, plus 2.25%. Example, if you receive a loan of $10,000 with an interest rate % with no origination fee and make 36 monthly payments of $300.33, your finance charges will be $811.62 which would make your total repayment amount $10,811.62.
2 Non-deposit investment products and services are offered through CUSO Financial Services, L.P. (“CFS”), a registered broker-dealer (Member FINRA/SIPC) and SEC Registered Investment Advisor. Products offered through CFS: are not NCUA/NCUSIF or otherwise federally insured, are not guarantees or obligations of the credit union, and may involve investment risk including possible loss of principal. Investment Representatives are registered through CFS. Patelco Credit Union has contracted with CFS to make non-deposit investment products and services available to credit union members.
