Routing # 321076470

Membership Benefits

A Patelco membership gives you more of what matters most. Discover the Patelco difference below.

Discover how Patelco gives you more

When you join Patelco, 你会立刻感受到成为会员和成为顾客之间的区别. That’s because we’re a not-for-profit credit union and you’ll be a member-owner. Unlike big banks or community banks, we don’t answer to stockholders and our members are our shareholders. 我们为您提供值得信赖的银行服务,提供更多的储蓄、更优惠的利率和更低的费用.
Our mission is to support your financial health and wellbeing, and to be there for the moments that matter most to you. As your trusted financial partner, 我们只专注于帮助我们的会员建立和维持他们最好的财务生活. 我们在我们的服务、产品以及与会员的每一次互动中都拥抱这些价值观.

I absolutely love Patelco Credit Union! 他们是我在银行遇到的知识最渊博、最乐于助人、最善良的人. I feel very comfortable talking about my finances with them. If you decide to go to a credit union, this should be your choice!” – Dylan S, Patelco member

What makes Patelco different

Truly free checking

Enjoy no monthly fees, no overdraft fees1 and no minimum deposits with our everyday checking account

Products for your journey

From savings, loans to credit cards to mortgages, we have the financial solutions tailored to you

Connect in-person or online

Visit a local branch, connect virtually with our Virtual Branch (appointments are available) or LiveChat

Account access

Transact on-the-go with our top-rated Mobile App2 and access your accounts at more than 30,000 fee-free ATMS

Financial wellness & fraud resources

Access a variety of resources on how to live your best financial life and protect yourself from fraud

Your money is safe

你的钱由国家信用合作社协会(NCUA)投保,最高可达250美元,000 for individuals and $500,000 for joint accounts

Save more. Manage better.

From free personalized advice with our Certified Financial Specialists, to webinars to online banking tools like alerts, card controls to articles, 我们为您提供更多省钱的方法,让您了解并掌控自己的财务状况.

Certified Financial Specialists & Expert Advice

Have questions about saving, retirement or budgeting? Connect with our Certified Financial Specialists to get your questions answered from Patelco experts, free of charge.

Financial Wellness Articles & Webinars

我们有大量的文章,从预算到为大学或退休储蓄. We also offer free webinars covering broad financial topics.

Fraud & Scam Protection

受益于我们专门的欺诈打击团队,并了解如何避免最新的骗局, keep your accounts safe, and get help from Patelco with resources and prevention tips.

Automatic Rate Reduction

如果您没有资格获得最低利率,我们的LevelUp计划会奖励您按时偿还贷款.3 There’s nothing you need to do to enroll – we handle it for you.

All memberships come with a no-fee savings account

At Patelco, we believe in the importance of saving. That’s why every membership automatically comes with a Regular Savings account. There’s no monthly fee and no minimum balance requirements. We start you off with $1, or one share, into the account on your behalf. As a member-owner, 这一股份使您有权在我们的年度会议上投票选举帕特尔科董事会.

Patelco Partner Discounts

Patelco的会员资格可以让你获得更多的折扣,从遗产规划到度假. 我们的合作伙伴计划使我们的会员在日常生活中受益,所以现在你可以用你的钱做更多的事情.

Personal Finance

TurboTax Discount

Patelco members save up to $20 when filing federal taxes with TurboTax.

Auto Buying


Put yourself in the driver’s seat with a better car buying experience.

Auto Buying

Enterprise Car Sales

Save big with a certified used vehicle from Enterprise. Patelco members receive a 1.00% APR discount.

Financial Planning

Estate Planning Discount


Vacations and Tickets

Vacation and Ticket Discounts


Car Rentals

Car Rental Discounts

为来自Alamo, Enterprise和National的Patelco成员节省和增加便利.

National Credit Union Administration insurance


  • The National Credit Union Administration (NCUA) is an independent agency of the U.S. government that regulates federal credit unions
  • Insurance is automatic with a Patelco membership – there’s no need to sign up
  • All individual members are insured with $250,000 of coverage. Joint accounts are insured up to $500,000

More about our partner discounts

    Members: Save up to $20 when you file your federal taxes with TurboTax.
    我们与TurboTax合作,帮助您更简单、更实惠地准备和提交税务. 现在,你可以通过智能手机、平板电脑或电脑安全地报税.
    When you use TurboTax4, you’ll benefit from:

    • A maximum refund guarantee
    • They’ll double check your return
    • 100% accurate calculations guarantee
    • SmartLook expert live help on demand

    Members save $10 savings on Federal Deluxe, $15 savings on Federal Premier, $20 savings on Federal Self Employed

    Put yourself in the driver’s seat with a better car buying experience.
    AutoSMART™是一个伟大的在线资源,可以帮助您控制购车过程, from start to finish.

    • Auto loan rates as low as 6.94% APR5
    • Review thousands of new and used cars
    • Learn the Blue Book value for used vehicles
    • Find local dealerships and request pricing quote
    • Get pre-approved
    • Easy application and financing
    • All online and free to use!

    Save big with a certified used vehicle from Enterprise.

    • Receive a 1.00 APR% discount on your Patelco Auto Loan rate6
    • Choose from over 120 makes and models
    • Trade in your old vehicle
    • Competitive and below Kelly Blue Book pricing7
    • 109-point certification inspection8
    • 12-month roadside assistance9
    • Free CARFAX® vehicle history reports

    Estate planning is for everyone. We’ve partnered with Trust & Will to offer our members estate planning services – and as a Patelco member, you’ll receive 25% off a will or trust.

    • It’s 100% online with easy step-by-step instructions
    • Expert help is available by chat, email, or phone
    • Save 25% off any estate plan and get the first shipment of documents for free
    • Built by attorneys and customized by you to fit your needs and wishes

    Save on your next vacation with exclusive Patelco member discounts.
    Patelco的会员利用“今日启程”(Get Away Today)计划在度假时节省了数百美元!

    • Save with discount Disneyland tickets, hotel rates and more
    • Or choose from over 1900+ destinations
    • Plan your trip with the travel experts
    • Book your vacation for only $175 down
    • Best price, best service guaranteed

1 You must enroll in Instant BackUp on your checking account to receive overdraft coverage up to $500. 你只需在未偿还的时间内支付所借金额的利息. Talk to our Patelco team for assistance and learn more here. No overdraft fees applies to checking accounts opened after 4/05/2023.

2 Source: over 22,000 five-star reviews on the App Store.

3 LevelUp(前身为及时还款激励计划,简称TRIP)是为获得帕特尔科2级或更高信用级别贷款批准的会员提供的服务, motorcycle, RV, boat, and personal loans, excluding all lines of credit. 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. 最高折扣永远不会导致最终年利率低于融资时特定贷款和期限的LevelUp最低利率. Monthly payment amount remains constant, with additional money going toward principal, 哪一种会缩短贷款期限和在贷款期内支付的总金额.

4 最大退税保证:如果您从另一种报税方法获得较大的退税或较小的税款, TurboTax将退还已支付的适用的TurboTax联邦和/或州购买价格. TurboTax在线联邦免费版客户有权支付14美元.99 and a refund of your state purchase price paid. 100% accurate calculations guarantee. 100%准确的计算保证:如果你支付国税局或国家罚款或利息,因为一个TurboTax计算错误, TurboTax will pay you the penalty and interest. TurboTax Expert Help, Tax Advice and SmartLook: Included with Deluxe, Premier and Self-Employed (via phone or on-screen); not included with Federal Free Edition (but available for purchase with the Plus bundle). 在个人电脑、笔记本电脑或TurboTax移动应用程序上都可以使用SmartLook的屏幕帮助. TurboTax experts provide general advice, customer service and product help; tax advice provided only by credentialed CPAs, enrolled agents and tax attorneys. Feature availability varies by device. State tax advice is free. Service, area of expertise, experience levels, hours of operation and availability vary, and are subject to restriction and change without notice. CompleteCheck:涵盖在TurboTax精确计算和最大退款保证.

5 APR (Annual Percentage Rate). Auto rates starting at 6.49 APR effective 05/03/2024; subject to change without notice. Patelco根据信用记录等因素提供一系列基本利率和折扣, loan term, Patelco account relationship, amount financed and vehicle age. Additional discounts may apply. 实际利率在贷款完成前以书面形式向获批准的申请人披露,实际利率可能高达17%.99 APR. 要了解有关费率、条款和会员独家折扣的更多信息,例如 Commitment Household, call 800.358.8228 or visit any Patelco branch. New Auto loan payment examples: 0‑48 months: $23.77 per month per $1000 borrowed at 6.49% APR for 48 months; 49‑66 months: $18.11 per month per $1000 borrowed at 6.49% APR for 66 months; 67‑72 months: $17.00 per month per $1000 borrowed at 6.79% APR for 72 months; 73‑84 months: $15.26 per month per $1000 borrowed at 7.24% APR for 84 months. Used Auto loan payment examples: 0‑48 months: $23.89 per month per $1000 borrowed at 6.74% APR for 48 months; 49‑66 months: $18.23 per month per $1000 borrowed at 6.74% APR for 66 months; 67‑72 months: $17.12 per month per $1000 borrowed at 7.04% APR for 72 months; 73‑84 months: $15.39 per month per $1000 borrowed at 7.49% APR for 84 months.

6 APR (Annual Percentage Rate). 1.00% off current Patelco Credit Union rate with a max loan term of 60 months. Current rate will vary based on credit worthiness and terms. Financing for qualified Patelco Credit Union members. 优惠仅适用于2018年11月1日至2021年12月31日期间购买的企业用车销售车辆. 此报价不能与除本广告中列出的报价外的任何其他报价合并.

7 Price does not include tax, title, tags, governmental fees, any emissions testing charges, and any finance charges (if applicable). Unless otherwise stated separately in the vehicle details, price does not include processing, administrative, closing or similar fees of $149 or less. Vehicles subject to prior sale. 我们尽一切努力提供准确的信息,包括但不限于价格, miles and vehicle options, 但请在购买前与您当地的企业汽车销售地点核实. Current mileage may vary due to test drives and vehicle relocation. Used vehicles were previously part of Enterprise short term rental, 租赁车队或企业从其他来源购买,包括汽车拍卖, with previous use possibly short term rental, lease or other.

8 Enterprise Certified.™每辆车都经过经过ase认证的技术人员的严格检查. Restrictions apply. For details, see an Enterprise Car Sales Manager.

9 企业12个月无限里程路边援助套餐由美国汽车协会(AAA)及其在美国和加拿大的附属俱乐部提供. Some limitations & restrictions apply.


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