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 payment options and answers to commonly asked questions about loan payments with Patelco.
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
December 5, 2024 • 5 mins
Article Contents
If you’ve noticed some changes in an aging parent or other relative, you might be concerned. It’s difficult to see someone you love showing signs of aging, and you might wonder how to proceed. Here’s some guidance for giving your loved one some extra care – and taking care of yourself along the way.
Some changes naturally happen with age and aren’t cause for concern. So how do you know if an older parent or relative is truly struggling? Here are some signs that your loved one might need help:
If you notice any of these signs, your loved one may need some assistance. Tell them that you want to make sure that they’re safe and well. Assure them that they’re not alone and that you’re there to support them. Start off with a few small suggestions so you don’t overwhelm them. Then you can gently ease into bigger topics. Suggest that once you get some plans in place, you can do something fun together.
It’s important to understand your loved one’s medical status so you can help them manage health issues. They may value their privacy, so approach the conversation with care and sensitivity. Ask them about any diagnoses, medications, and treatment. You might also speak to their doctor. Keep in mind that privacy laws prevent health care providers from spilling the beans to just anyone. So you’ll need to get written permission from your loved one before talking to their physician.
If your parent or older relative has trouble paying bills on time, sticking to a budget or filling out paperwork, you or someone else they trust could help out. Your loved one may resist such help, at least initially. Learn how to have a difficult conversation about money with an older person to ease the way, so you can create an action plan together, along with help from a financial advisor.
No one wants to give up their independence, so older adults may refuse help. Accept that you can’t control everything. To keep the peace, choose your battles carefully and, even when frustrated, try to speak calmly and respectfully.
Does your parent or relative need help with chores like grocery shopping and laundry? Do they need a ride to their doctor’s appointment? You and your siblings may be able to help with some tasks. Seniors can also get help from volunteers who are trained to help with various tasks. Check with local senior centers, your local Area Agency on Aging, or your local or state government. Or use the US Administration on Aging’s Elder Care locator to find local volunteers. If your loved one could benefit from more social interaction, encourage family, friends, and neighbors to drop by from time to time. There are also senior companion services that arrange visits from a friendly volunteer. Contact local senior centers, or local or state government, to find area programs. Meanwhile, keep the lines of communication open with the person’s doctor. If your loved one’s health declines and they need more skilled help at home – or it’s no longer safe for them to live at home – their health care providers can offer guidance and connect you to important resources. Also, State Health Insurance Counseling Programs (SHIPS) offer free counseling to help you understand Medicare and Medicaid benefits so you can make smart choices about ongoing care.
Caring for an aging loved one can be stressful and, at times, overwhelming. So avoid taking on everything yourself. Ask other family members or friends for help, and turn to senior centers for services, expert advice, and support. And while you’re taking care of your loved one, don’t forget to take care of yourself. The better you feel, the better you’ll be able to support your parent or other relative. Eat a balanced diet, do aerobic and weight-bearing exercise, get plenty of sleep and enjoy social activities. Also, try to weave in some relaxation, whether gardening, reading a book or hiking in nature. And if you’re having a bad day, talk to a friend or join an online or in-person support group. Sources: National Institute on Aging, “Does an Older Adult in Your Life Need Help?” accessed November 22, 2024 Aging Life Care Association, “Seven Signs That an Aging Parent Needs Help,” September 5, 2024 Aging and Disability Resource Center, “14 Signs Your Aging Parent May Need Help,” accessed November 22, 2024 National Institutes of Health, “Getting Started with Caregiving,” accessed November 22, 2024 National Institute on Aging, “Services for Older Adults Living at Home,” accessed November 22, 2024 Family Caregiver Alliance, “Parenting Your Elderly Parents,” accessed November 22, 2024 Family Caregiver Alliance, “Self Care,” accessed November 22, 2024 This article was created in accordance with the Patelco editorial policy.
Social Security benefits are an important part of planning to retire. See a full retirement age chart, calculations and how taking it early affects the amount.
Learn how an annual review of your investment portfolio can help you achieve financial success, and how working with a financial advisor can help you reach your goals.
Want to learn about the most popular retirement accounts? Find out about 401(k)s, traditional IRAs, Roth IRAs, and SEP IRAs.