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Routing # 321076470
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  • Checking & Savings
    • Checking Accounts
    • Savings Accounts

    Checking Accounts

    The right checking account build a strong foundation — find one tailored to your unique needs.

    Compare Accounts
    • Free Checking
      No fees, no minimums, no frills — everyday checking made simple.
    • Plus Checking
      Enjoy ATM rebates, travel and dining discounts and exclusive benefits.
    • Interest Checking
      Earn interest with an everday account and easy fee waiver options.
    • Student Checking
      No feels or daily limits — ideal for teaching teens financial responsibility.

    Savings Accounts

    The right savings account helps you grow toward your goals — find one that fits your needs and lifestyle.

    Compare Accounts
    • Regular Savings
      Start saving with no fees or minimum balance.
    • Money Market Plus
      Unlock opportunities and earn high-yield savings up to 3.60% APY.
    • Money Market Select
      Earn higher returns with flexible access to your account.
    • Kids Savings
      Teach kids to save with no fees or minimums.
    • Certificates
      Secure, fixed-term savings with guaranteeed returns.
    • IRA
      Tax-advantaged retirement savings for your future.
    • Health Savings Account (HSA)
      Save pre-tax dollars for qualified medical expenses.
    • Education
      Tax-deferred savings for your child's education expenses.

    Account Services

    Manage your Patelco accounts effortlessly with our comprehensive support services.

    • Account Services CenterChevron Right
    • Checking SupportChevron Right
    • Savings SupportChevron Right
    • Certificates SupportChevron Right
    • Non-Sufficient Funds SupportChevron Right
    • Sign up for Patelco Online™Chevron Right

    Account Services

    Manage your Patelco accounts effortlessly with our comprehensive support services.

    • Account Services CenterChevron Right
    • Checking SupportChevron Right
    • Savings SupportChevron Right
    • Certificates SupportChevron Right
    • Non-Sufficient Funds SupportChevron Right
    • Retirement Account SupportChevron Right
    • Health Savings Account SupportChevron Right
    • Education Savings Account SupportChevron Right
    • Sign up for Patelco Online™Chevron Right
  • Credit Cards & Loans
    • Credit Cards
    • Personal Loans
    • Home Loans
    • Home Equity
    • Auto Loans
    • Recreational Vehicles
    • Loan Payments

    Credit Cards

    Low rates, no annual fees — Patelco credit cards fit every lifestyle and financial goal.

    Compare Options
    • Pure Mastercard® Credit Card
      Low rates with no annual or balance transfer fees.
    • Pure Rewards World Mastercard® Credit Card
      Enjoy ATM rebates, travel and dining discounts and exclusive benefits.
    • Pure Secured Mastercard® Credit Card
      Build or rebuild credit with a secured, low-rate credit card.
    • Progress Student Rewards Mastercard® Credit Card
      Designed for students to build credit and earn rewards.

    Personal Loans

    Flexible loans and lines of credit to consolidate debt or cover life’s big expenses

    See Personal Loans
    • Personal Loan
      Flexible loans up to $100k for any purpose.
    • Lines of Credit
      Access funds up to $50k when needed.
    • Debt Consolidation
      Combine debts into one payment to save on interest.
    • Instant BackUp™ Line of Credit
      Get $500 of protection for your checking account, no credit check required​.
    • Build My Credit
      Use loans designed to help establish or rebuild credit.
    • Secured Loans
      Borrow against your savings with low fixed rates.

    Home Loans

    Flexible lending options and programs for new and existing homeowners.

    See Home Loans
    • Home Purchase
      From low down payment options to flexible loan programs, we’ll get you home.
    • Refinancing
      Reduce your current payment, change loan terms or take cash out.
    • All Mortgage Rates
      Explore competitive fixed and adjustable-rate options for your home loan.
    • First-Time Home Buyer
      Explore resources, tips and advice for the first-time home buyer.
    • Mortgage Consultants
      Our consultants are here to help you find the right mortgage solution.

    Home Equity

    Take advantage of one of life’s biggest investments.

    Compare Options
    • Check My Rate
      Get your prequalified offer in minutes with no impact to your credit score.
    • HELOC
      The homeowner's key to more financial flexibility.
    • Home Equity Loan
      Financing for what you need with fixed payments.
    • ADU HELOC
      A short-term line of credit for large home remodels or accessory units (ADU).

    Auto Loans

    Drive off with an affordable new or used vehicle, or save on one you already own.

    See Loan Options
    • New Car Loans
      Get the right financing for your new ride.
    • Used Car Loans
      Purchase from a dealer, private party, or even buy out a lease.
    • Refinancing
      Lower your current payment or rate or adjust your terms.
    • Cash-Out Refinance
      Take cash out from your car to cover your financial needs.

    Recreational Vehicles

    Have your fun and freedom with a great loan that fits into your financial plan.

    See Loan Options
    • Motorcycle Loan
      Hit the open road with affordable financing and terms.
    • Boat Loan
      Make a splash and save with low-rate boat loan.
    • RVs and Trailers
      Enjoy your weekend trip in a home away from home.

    Loan Payments

    Explore payment options and answers to commonly asked questions about loan payments with Patelco.

    Make a Payment
    • One-Time Loan Payment
      Use Fast Pay to make a one-time payment – no login or password required.
    • Assistance & Deferral
      Explore our payment support center to learn more about loan modification options.
    Points Rewards World Mastercard® Credit Card

    Points Rewards World Mastercard® Credit Card

    Points Rewards World Mastercard® Credit Card

    Up to $50,000. As low as 12.40% APR.


    Credit Card & Loan Services

    • Support CenterChevron Right
    • Debit & Credit Card ServicesChevron Right

    Loan Services

    Loan Services

    Get support managing your debit and credit cards and loans.

    • Debit & Credit Card ServicesChevron Right
    • Auto & Personal Loan SupportChevron Right
    • Home Loan SupportChevron Right
    • On-Time Payment RewardsChevron Right
    • Fraud CenterChevron Right
    • Additional Loan ServicesChevron Right

    Home Loan Services

    Learn more about our local expertise, guidance and personal service.

    • Fixed-Rate MortgagesChevron Right
    • Adjustable-Rate MortgagesChevron Right
    • Preapproval OptionsChevron Right
    • Home Buying ArticlesChevron Right
    • Additional Loan ServicesChevron Right

    Credit Card & Loan Services

    Loan Services

    Get support managing your debit and credit cards and loans.

    • Debit & Credit Card ServicesChevron Right
    • Auto & Personal Loan SupportChevron Right
    • Home Loan SupportChevron Right
    • On-Time Payment RewardsChevron Right
    • Fraud CenterChevron Right
    • Additional Loan ServicesChevron Right

    Credit Card & Loan Services

    Loan Services

    Get support managing your debit and credit cards and loans.

    • Debit & Credit Card ServicesChevron Right
    • Auto & Personal Loan SupportChevron Right
    • Home Loan SupportChevron Right
    • On-Time Payment RewardsChevron Right
    • Fraud CenterChevron Right
    • Additional Loan ServicesChevron Right

    Credit Card & Loan Services

    Loan Services

    Get support managing your debit and credit cards and loans.

    • Debit & Credit Card ServicesChevron Right
    • Auto & Personal Loan SupportChevron Right
    • Home Loan SupportChevron Right
    • On-Time Payment RewardsChevron Right
    • Fraud CenterChevron Right
    • Additional Loan ServicesChevron Right

    Additional Help for Loan Payments

    Get support managing your debit and credit cards and loans.

    • Debit & Credit Card ServicesChevron Right
    • Auto & Personal Loan SupportChevron Right
    • Home Loan SupportChevron Right
    • Bill PayChevron Right
    • Money MovementChevron Right
    • Additional Loan ServicesChevron Right
  • Investments & Insurance
    • Investments
    • Insurance

    Investments

    Tailored investment solutions to help you plan, invest, and secure your financial future.

    Explore Options
    • Financial Advisor Services
      Create a personalized investment strategy that aligns with your long-term goals.
    • Estate Planning Strategies
      Secure your legacy and family's future with an affordable and inclusive solution.

    Insurance

    Comprehensive insurance solutions to protect your assets and loved ones.

    See Options
    • Vehicle & Car
      Planning for the unexpected today can save you headaches tomorrow.
    • Life Insurance
      Life is full of uncertainty, so it’s important to plan for the unexpected.
    • Payment Protection
      Add additional safety and security for when the unexpected happens.
    Request financial advice

    Request financial advice

    Complimentary one-on-one guidance from our Certified Financial Specialists.

    • Get StartedChevron Right
    Schedule a virtual appointment

    Schedule a virtual appointment

    Connect with us and find the right insurance option that fits your needs.

    • Schedule AppointmentChevron Right
  • Digital Banking

      Digital Banking

      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.

    • Enroll

      Sign up for Patelco Online™ to access and manage your accounts securely.

    • Virtual Branch

      Schedule a video appointment or meet instantly with a Patelco team member.

    • Online Banking

      Manage accounts, pay bills, and transfer funds securely from any device.

    • Mobile App

      Bank on the go: check balances, deposit checks, send money and more.

    • Digital Wallets

      Make secure, contactless payments using your mobile device at participating merchants.

    • Bill Pay

      Schedule and manage your bill payments online with ease and confidence.

    • Money Movement

      Transfer funds between accounts or send money to others quickly and securely.

    • Zelle

      Send and receive money instantly with friends and family using Zelle®.

    Banking on Your Schedule

    Banking on Your Schedule

    Banking on Your Schedule

    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.

    Download the Patelco mobile app on the Apple App storeDownload the Patelco mobile app on the Google Play store

    • Banking on Your ScheduleChevron Right
  • About Patelco

      About Patelco

      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.

    • Become a Member

      Higher savings, better rates, and fewer fees. Patelco membership connects you to more.

    • Membership Benefits

      Discover all the perks, savings and resources that come with being a Patelco member.

    • Who We Are

      Learn about our history, our core values and our mission to build financial wellbeing.

    • Leadership

      Meet the people who are dedicated to helping you live your best financial life.

    • Careers

      We’re united in our mission to help uplift each other, our members and communities.

    • Patelco News

      Patelco’s latest news and announcements, media and press, awards and more.

    • Financial Statements

      See exactly how we’re doing by reviewing our latest financials.

    Patelco membership connects you to more

    Patelco membership connects you to more

    Patelco membership connects you to more

    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.

    • Patelco membership connects you to moreChevron Right
    • Explore Benefits
  • Financial Wellness

      Financial Wellness

      Get expert guidance, tools and support to take control of your financial future — from fraud prevention to education, relief options, and personalized advice.

    • Fraud Center

      Protect yourself from scams with tools, alerts, and tips to keep your info secure.

    • Member Relief

      Explore financial hardship resources, loan relief options, and personalized support.

    • Podcasts

      Tune in for expert interviews and real-life stories to help you master your money.

    • Personalized Advice

      Get one-on-one coaching and tailored financial guidance from our financial specialists.

    • Webinars

      Join live and on-demand webinars to grow your financial knowledge and confidence.

    • Resources

      Access tools, articles, and interactive course to support smarter financial decisions.

    Financial Wellness Library

    Financial Wellness Library

    Access articles, guides, and tools to enhance your financial knowledge.

    • Financial Wellness LibraryChevron Right
    • BudgetingChevron Right
    • Saving MoneyChevron Right
    • Credit & DebtChevron Right
    • Fraud PreventionChevron Right
    • Home & AutoChevron Right
    • CollegeChevron Right
    • Retirement PlanningChevron Right
  • Community

      Community

      Learn more about Patelco’s community values, service in action, impact, events and partnerships.

    • Our Values & Purpose

      Learn about our impact, purpose and involvement in the communities we call home.

    • Events

      Check out our sponsored community events and ones we participate in.

    • Patelco At Work

      Discover how we can create a stronger culture of financial health for your employees.

    • Connect on Social

      Follow and like us to get the latest news, financial tips, and special offers.

  • Checking & Savings
    • Checking Accounts
      • Compare Accounts
      • Free Checking
      • Plus Checking
      • Interest Checking
      • Student Checking
      • Account Services
      • Account Services Center
      • Checking Support
      • Savings Support
      • Certificates Support
      • Non-Sufficient Funds Support
      • Sign up for Patelco Online™
    • Savings Accounts
      • Compare Accounts
      • Regular Savings
      • Money Market Plus
      • Money Market Select
      • Kids Savings
      • Certificates
      • IRA
      • Health Savings Account (HSA)
      • Education
      • Account Services
      • Account Services Center
      • Checking Support
      • Savings Support
      • Certificates Support
      • Non-Sufficient Funds Support
      • Retirement Account Support
      • Health Savings Account Support
      • Education Savings Account Support
      • Sign up for Patelco Online™
  • Credit Cards & Loans
    • Credit Cards
      • Compare Options
      • Pure Mastercard® Credit Card
      • Pure Rewards World Mastercard® Credit Card
      • Pure Secured Mastercard® Credit Card
      • Progress Student Rewards Mastercard® Credit Card
      • Points Rewards World Mastercard® Credit Card
      • Support Center
      • Debit & Credit Card Services
    • Personal Loans
      • See Personal Loans
      • Personal Loan
      • Lines of Credit
      • Debt Consolidation
      • Instant BackUp™ Line of Credit
      • Build My Credit
      • Secured Loans
      • Loan Services
      • Debit & Credit Card Services
      • Auto & Personal Loan Support
      • Home Loan Support
      • On-Time Payment Rewards
      • Fraud Center
      • Additional Loan Services
    • Home Loans
      • See Home Loans
      • Home Purchase
      • Refinancing
      • All Mortgage Rates
      • First-Time Home Buyer
      • Mortgage Consultants
      • Home Loan Services
      • Fixed-Rate Mortgages
      • Adjustable-Rate Mortgages
      • Preapproval Options
      • Home Buying Articles
      • Additional Loan Services
    • Home Equity
      • Compare Options
      • Check My Rate
      • HELOC
      • Home Equity Loan
      • ADU HELOC
      • Credit Card & Loan Services
      • Debit & Credit Card Services
      • Auto & Personal Loan Support
      • Home Loan Support
      • On-Time Payment Rewards
      • Fraud Center
      • Additional Loan Services
    • Auto Loans
      • See Loan Options
      • New Car Loans
      • Used Car Loans
      • Refinancing
      • Cash-Out Refinance
      • Credit Card & Loan Services
      • Debit & Credit Card Services
      • Auto & Personal Loan Support
      • Home Loan Support
      • On-Time Payment Rewards
      • Fraud Center
      • Additional Loan Services
    • Recreational Vehicles
      • See Loan Options
      • Motorcycle Loan
      • Boat Loan
      • RVs and Trailers
      • Credit Card & Loan Services
      • Debit & Credit Card Services
      • Auto & Personal Loan Support
      • Home Loan Support
      • On-Time Payment Rewards
      • Fraud Center
      • Additional Loan Services
    • Loan Payments
      • Make a Payment
      • One-Time Loan Payment
      • Assistance & Deferral
      • Additional Help for Loan Payments
      • Debit & Credit Card Services
      • Auto & Personal Loan Support
      • Home Loan Support
      • Bill Pay
      • Money Movement
      • Additional Loan Services
  • Investments & Insurance
    • Investments
      • Explore Options
      • Financial Advisor Services
      • Estate Planning Strategies
      • Request financial advice
      • Get Started
    • Insurance
      • See Options
      • Vehicle & Car
      • Life Insurance
      • Payment Protection
      • Schedule a virtual appointment
      • Schedule Appointment
  • Digital Banking
    • Enroll
    • Virtual Branch
    • Online Banking
    • Mobile App
    • Digital Wallets
    • Bill Pay
    • Money Movement
    • Zelle
    • Banking on Your Schedule
  • About Patelco
    • Become a Member
    • Membership Benefits
    • Who We Are
    • Leadership
    • Careers
    • Patelco News
    • Financial Statements
    • Patelco membership connects you to more
    • Explore Benefits
  • Financial Wellness
    • Fraud Center
    • Member Relief
    • Podcasts
    • Personalized Advice
    • Webinars
    • Resources
    • Financial Wellness Library
    • Budgeting
    • Saving Money
    • Credit & Debt
    • Fraud Prevention
    • Home & Auto
    • College
    • Retirement Planning
  • Community
    • Our Values & Purpose
    • Events
    • Patelco At Work
    • Connect on Social
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Routing # 321076470

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Patelco Credit Union
  • Checking & Savings
    • Checking Accounts
      • Compare Accounts
      • Free Checking
      • Plus Checking
      • Interest Checking
      • Student Checking
      • Account Services
      • Account Services Center
      • Checking Support
      • Savings Support
      • Certificates Support
      • Non-Sufficient Funds Support
      • Sign up for Patelco Online™
    • Savings Accounts
      • Compare Accounts
      • Regular Savings
      • Money Market Plus
      • Money Market Select
      • Kids Savings
      • Certificates
      • IRA
      • Health Savings Account (HSA)
      • Education
      • Account Services
      • Account Services Center
      • Checking Support
      • Savings Support
      • Certificates Support
      • Non-Sufficient Funds Support
      • Retirement Account Support
      • Health Savings Account Support
      • Education Savings Account Support
      • Sign up for Patelco Online™
  • Credit Cards & Loans
    • Credit Cards
      • Compare Options
      • Pure Mastercard® Credit Card
      • Pure Rewards World Mastercard® Credit Card
      • Pure Secured Mastercard® Credit Card
      • Progress Student Rewards Mastercard® Credit Card
      • Points Rewards World Mastercard® Credit Card
      • Support Center
      • Debit & Credit Card Services
    • Personal Loans
      • See Personal Loans
      • Personal Loan
      • Lines of Credit
      • Debt Consolidation
      • Instant BackUp™ Line of Credit
      • Build My Credit
      • Secured Loans
      • Loan Services
      • Debit & Credit Card Services
      • Auto & Personal Loan Support
      • Home Loan Support
      • On-Time Payment Rewards
      • Fraud Center
      • Additional Loan Services
    • Home Loans
      • See Home Loans
      • Home Purchase
      • Refinancing
      • All Mortgage Rates
      • First-Time Home Buyer
      • Mortgage Consultants
      • Home Loan Services
      • Fixed-Rate Mortgages
      • Adjustable-Rate Mortgages
      • Preapproval Options
      • Home Buying Articles
      • Additional Loan Services
    • Home Equity
      • Compare Options
      • Check My Rate
      • HELOC
      • Home Equity Loan
      • ADU HELOC
      • Credit Card & Loan Services
      • Debit & Credit Card Services
      • Auto & Personal Loan Support
      • Home Loan Support
      • On-Time Payment Rewards
      • Fraud Center
      • Additional Loan Services
    • Auto Loans
      • See Loan Options
      • New Car Loans
      • Used Car Loans
      • Refinancing
      • Cash-Out Refinance
      • Credit Card & Loan Services
      • Debit & Credit Card Services
      • Auto & Personal Loan Support
      • Home Loan Support
      • On-Time Payment Rewards
      • Fraud Center
      • Additional Loan Services
    • Recreational Vehicles
      • See Loan Options
      • Motorcycle Loan
      • Boat Loan
      • RVs and Trailers
      • Credit Card & Loan Services
      • Debit & Credit Card Services
      • Auto & Personal Loan Support
      • Home Loan Support
      • On-Time Payment Rewards
      • Fraud Center
      • Additional Loan Services
    • Loan Payments
      • Make a Payment
      • One-Time Loan Payment
      • Assistance & Deferral
      • Additional Help for Loan Payments
      • Debit & Credit Card Services
      • Auto & Personal Loan Support
      • Home Loan Support
      • Bill Pay
      • Money Movement
      • Additional Loan Services
  • Investments & Insurance
    • Investments
      • Explore Options
      • Financial Advisor Services
      • Estate Planning Strategies
      • Request financial advice
      • Get Started
    • Insurance
      • See Options
      • Vehicle & Car
      • Life Insurance
      • Payment Protection
      • Schedule a virtual appointment
      • Schedule Appointment
  • Digital Banking
    • Enroll
    • Virtual Branch
    • Online Banking
    • Mobile App
    • Digital Wallets
    • Bill Pay
    • Money Movement
    • Zelle
    • Banking on Your Schedule
  • About Patelco
    • Become a Member
    • Membership Benefits
    • Who We Are
    • Leadership
    • Careers
    • Patelco News
    • Financial Statements
    • Patelco membership connects you to more
    • Explore Benefits
  • Financial Wellness
    • Fraud Center
    • Member Relief
    • Podcasts
    • Personalized Advice
    • Webinars
    • Resources
    • Financial Wellness Library
    • Budgeting
    • Saving Money
    • Credit & Debt
    • Fraud Prevention
    • Home & Auto
    • College
    • Retirement Planning
  • Community
    • Our Values & Purpose
    • Events
    • Patelco At Work
    • Connect on Social

Find a Branch or ATM

Use the search below to find an ATM near you, connect with our Virtual Branch, and find the hours, driving directions and more information about our local branches


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Patelco Branches

  • Berkeley
  • Brentwood
  • Campbell
  • Castro Valley
  • Citrus Heights
  • Concord
  • Daly City
  • Danville
  • Dublin
  • Elk Grove
  • Fairfield
  • Folsom
  • Fremont
  • Hayward
  • Lafayette
  • Livermore
  • Milpitas
  • Novato
  • Oakland
  • Oakland City Center
  • Redwood City
  • Rohnert Park
  • Roseville
  • Sacramento
  • San Bruno
  • San Francisco ‐ Downtown
  • San Francisco ‐ Sunset
  • San Jose ‐ Almaden
  • San Jose ‐ East
  • San Leandro
  • San Mateo
  • San Ramon ‐ City Center
  • Santa Rosa
  • Sunnyvale
  • Virtual Branch
  • Walnut Creek
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false
January 1 2026,January 19 2026,February 16 2026,May 25 2026,June 19 2026,July 4 2026,September 7 2026,November 11 2026,November 26 2026,November 27 2026, December 25 2026
Clickable Patelco Credit Union logo

Patelco Credit Union

PO Box 2227

Merced, CA 95344

800.358.8228

Routing # 321076470

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  • Contact Patelco
  • Find a Branch or ATM
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