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
Free up your budget and save with a low-rate loan. Know your rate and get pre-qualified in minutes.
Starting at 9.30% APR1
Up to $100,000
Up to 7 years
We’re committed to keeping our members on the path to financial wellbeing. Whether your goals include consolidating higher interest debt, making home improvements, or simply freeing up cash, switching to save with a low-rate Patelco Personal Loan can help you get there. Apply now.
Borrow up to $100,000 and flexible terms up to 7 years
Rates starting at 9.30% APR1
It only takes minutes to check your rate with no impact to your credit score
No loan origination fees and quick funding into your Patelco account
Make consecutive online payments and qualify for loan rate reductions
Payment Protection insurance cancels your loan payments or loan balance, up to contract maximums, if you become unemployed, disabled or pass away
Flexible loan rates and terms. Rates Effective 04/12/2024
Term
Amount
APR Range1
What would my loan payment be?
Calculations provided are for demonstration purposes only and do not guarantee credit approval for the rate and terms displayed.
Switch to Save with Patelco is a smart choice. By bringing your debt together into one low-rate loan, you can look to save big and benefit from fixed, manageable payments. Plus, we don’t charge loan origination fees or balance transfer fees. Compare your current debt and payments using our calculator. It only takes a few minutes to calculate your savings. Get started >
As you make strides on improving your credit and paying down loans, we want to be there as your partner. For members that don’t qualify for our best loan rates, we offer this special opportunity as you make on-time payments. By simply paying your personal loan on time and consistently, we’ll automatically lower your rate up to 0.50% each year. These rate reductions can reduce the amount of interest charged, pay down the principal loan balance faster, and save you money over the life of your loan. Learn more >
If you have any questions about your personal financial situation, need guidance on consolidating debt or want help finding the right loan product, our Virtual Branch™ is available for immediate service and appointments during business hours. Learn more >
Yes. Payments made via Patelco Online™ or the Mobile App from your Patelco account will be applied the same day. See all your options >
We provide several options to assist members who face financial difficulty in meeting their loan obligation. Please visit Financial Hardship Assistance to learn more.
Patelco Online™ helps you stay up to date on all your personal loan details. We make it simple and safe to:
1 APR (Annual Percentage Rate) Rates offered effective 04/12/2024. and are subject to credit approval. APRs range based on factors including credit type, loan term, Commitment Household/account relationship and applicant credit worthiness/score. Loan terms are based on various factors, including the amount financed. Actual rates are disclosed to approved applicants in writing prior to loan consummation. Offered rates subject to change. For more information, visit patelco.org, call 800.358.8228, or stop by a branch. The APR range is 9.30% to 17.90% with terms available from 6 to 84 months. Example, if you receive a loan of $10,000 with an interest rate of 9.30% with no origination fee and make 36 monthly payments of $320.41, your finances charges will be $1,534.39 which would make your total repayment amount $11,534.39.
2 Patelco runs a “soft” credit pull to determine which pre-qualification offer you qualify for. This doesn’t affect your credit score. If you choose to proceed with a loan application, Patelco will request your full credit report from one or more credit reporting agencies. This will be a “hard” pull and may affect your credit. If necessary, we may also share certain information about you with third parties, like our insurers, to process your request.
3 LevelUp is offered to members who are approved for Patelco’s credit tier 2 or higher on a personal loan. Total discount of up to 1.50% APR (Annual Percentage Rate) applied in 0.50% APR increments for every 12 consecutive on-time monthly payments. Maximum discount will never cause the final APR to be lower than the LevelUp floor rate for the specific loan and term at time of funding. Monthly payment amount remains constant, with additional money going toward principal, which shortens the term of the loan and the total amount paid over the life of the loan.
