Your financial well-being is our top priority.

As a member-owned not-for-profit credit union, 我们以人为本的理念是我们所做一切的核心. Whether it’s free financial advice, or accounts that help you save, 我们在这里确保你得到你需要的支持-无论你在哪里.

免费检查

No fees, no minimum balance. Just convenience and security.

开账户

Stop worrying about hidden fees. When we say free, we mean it. Compare the 储蓄 in the chart below.

  • 0美元月费
  • No minimum balance
  • Overdraft transfers from 储蓄 or line of credit
  • 借记 Mastercard with price protection for purchases
  Patelco
免费检查
Bank of America
Advantage Plus Banking
富国银行(Wells Fargo)
Everyday 检查
每月的费用 $0 $12 $10
最低
Opening Deposit
$10 $100 $25
最低 Daily Balance
to avoid monthly fee
$0 $1500 $1500
Direct Deposit Qualifier
to avoid monthly fee
No qualifier required 最低250美元 最低500美元

 

货币市场 储蓄

被Investopedia评为2021年最佳货币市场账户1

开账户

Unlike the big banks, 实际上,如果你刚开始工作,我们会支付更高的利率,这样你就可以更快地达到你的储蓄目标.

  • 1.00% APY on balances up to $2,000.002
  • No fees, no minimum balance
  • Guaranteed growth and safety
你的收入: On your balance of: 加起来就是:
(年)混合
1.00%的年 $0-$2,000
0.50%的年 $2000.01 - $5,000 0.70% on $5,000
0.30%的年 $5,000.01 – $10,000 0.50% on $10,000
0.25%的年 $10,000.01 – $50,000
0.35% on $25,000

 

Smart borrowing options with Patelco

汽车贷款

灵活的条款和选择,帮助您节省您的每月汽车支付或费率.

检查我的速度

We’ve got your auto needs covered.

  • Competitive rates starting at 2.4月29%3
  • Enjoy up to 90 days of no car payments4
  • 可负担的条款高达84个月的新车或二手车购买或再融资
  • See how much you can save on your car payments when you switch to Patelco

 

Pure Mastercard® 信用卡

The smart, easy way to pay. 前90天转账余额6个月的年利率为0%

马上申请

  • A low-rate credit card for making everyday purchases
  • No annual or balance transfer fees
  • 利率 低至6.4月20%5
  • See how much you can save by transferring your high rate card balance to Patelco

Guide to Benefits

条款 & 条件

个人贷款

一个低的,固定的利率支付适合你的预算

检查我的速度

  • 利率 5点开始.4月70%6 with 条款 up to 5 years
  • 借 up to $50,000
  • Fixed, low rates and payments
  • No loan origination fees
  • Funds will be deposited into your Patelco account

首页 Equity Line of Credit

在你需要现金的时候,用一种低成本的方式获得你需要的现金

马上申请

你的房屋净值是帮助你改善财务状况的有力工具. 一旦到位,房屋净值信用额度可以用于在第一个十年的任何时候获得资金,以融资主要购买, home improvement projects or unexpected expenses.

  • 利率 从3开始.4月750%7
  • No closing costs on lines up to $250,0008
  • No early closure fees and no annual fee
  • 没有诱人的利率-我们提供伟大的低利率的生活,你的贷款

Free Financial Advice

If you need guidance on budgeting, 储蓄, debt management, building your credit, or financial planning, 我们的注册金融专家在这里提供帮助.

Schedule your free consultation

See why members love Patelco

Banking made easy

网上银行

24/7 online banking

24/7 online banking

Manage your money anytime, anywhere.

自动取款机

30,000+ fee-free 自动取款机 nationwide

30,000+ fee-free 自动取款机 nationwide

37 branches serving Northern California.

检查平衡

获奖
手机应用程序

获奖
手机应用程序

轻松的资金管理,账单支付,远程存款,和个人对个人支付.

1. Sources: Investopedia

2. APY=Annual Percentage Yield. 利率自2021年3月12日起有效,开户后如有更改,恕不另行通知. 利息按每一层内余额的分级利率支付. Total interest paid is the sum from each tier. 混合APY显示假设输入的金额在帐户中持有一年. 在一年之前撤回资金将导致不同的实际利率. No minimum deposit required to open an account. 每个帐户限制一个货币市场选择帐户和一个货币市场选择爱尔兰共和军帐户.

3.APR (Annual Percentage Rate). 汽车 rates starting at 2.4月29% effective 12/3/2021; subject to change without notice. Patelco提供一系列的基础利率和折扣,这些取决于信用历史等因素, 贷款期限, Patelco account relationship, vehicle mileage, amount financed and vehicle age. 行驶里程超过10万公里的车辆将增加额外费用 .50% added to rate. Additional discounts may apply. 实际利率会在贷款完成前以书面形式向获批准的申请人披露,最高可达11.4月85%. 了解更多有关费率、条款和会员专属折扣的信息,例如 Commitment Household,拨打800.358.8228 or visit any Patelco branch. 贷款 payment example: $21.85 per month per $1000 borrowed at 2.29% APR for 48 months.

4. 在关闭, 您可以选择在您的新或旧汽车贷款延期还款多达90天. 实际天数将取决于贷款的条款. 利息将在您的汽车贷款开始的日期,贷款是资金和第一次付款将适用的利息,从贷款的日期,以第一次付款日期,然后到期的本金.

5. Variable APR as of 3/9/2021. 利率按月调整,等于前一个月的优惠利率加上基于信用价值的保证金范围. Applies to Purchases and Balance Transfers.

6. APR (Annual Percentage Rate). 所有贷款都要接受信贷审批,有限制,利率可能会有变化. 贷款 rates offered effective 7/2/2021. Patelco提供一系列的基础利率和折扣,取决于诸如信用类型等因素, 信用记录, 贷款期限, and Patelco account relationship. Additional discounts may apply. 实际利率会在贷款完成前以书面形式向核准申请人披露,最高可达16.4月15%. 了解更多有关费率、条款和会员专属折扣的信息,例如 Commitment Household,拨打800.358.8228 or visit any Patelco branch. The APR range is 4.95% to 18.40% with 条款 available from 6 to 60 months. 例如,如果你收到一笔10,000美元的贷款,利率为6.95%,没有发起费用,并每月支付48美元239.89, your finances charges will be $1,514.这样你的还款总额为11514美元.69.

7. 3.750% APR(年度百分比)和其他显示的条款是准确的,截至2021年12月9日,适用于CLTV最合格的申请人的HELOC,最高可达80%. Not all applicants will qualify for the lowest rate. 利率 vary based on property value, line amount and other factors, and will vary for second or vacation homes. 最低定期付款是头十年的只付利息(“提款期”),然后是全部摊还款项,以偿还最后15年的余额. No draws will be allowed during the repayment period. Payments and rate can adjust monthly. Payments will increase if rates increase. At the end of the draw period, 你每月需要支付的款项将会增加,因为你将同时支付本金和利息. The rate is calculated using an index plus a margin. 使用的指数是《太阳集团平台》在调整前一个月最后一个营业日公布的优惠利率. The current prime index is 3.4月25%. 最低利率为3%,最高利率为17%. 房屋净值贷款和信用额度只适用于加州的财产.

8. 最低信用额度为10,000美元,最高为500,000美元. 帕特尔科信用社将支付高达250美元的排队结账费用,000 in second lien position. 借款人负责关闭成本线在第一留置权或超过$250,000. Closing costs range from $0 to $2,500. 这个提议不包括托管或录音费用 或因头衔、归属或公证员任命变更而产生的额外公证费. 

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