Featured Savings Rates
Featured Accounts

Patelco Credit Union

Popular Accounts at this Credit Union

2.00%5-year CD60 Month CD
3.00%Money MarketMoney Market Select Account
2.00%5-year IRA60 Month IRA (Traditional, Roth, CESA)

Overview / Commentary
5050 Hopyard Rd
Pleasanton, CA 94588

Patelco Credit Union is headquartered in Pleasanton and is the 6th largest credit union in the state of California. It is also the 24th largest credit union in the nation. It was established in 1936 and as of September of 2016, it had grown to 574 employees and 305,421 members at 37 locations. Patelco Credit Union's money market rates are 7X the national average, and it boasts an A+ health rating.

Field of Membership Restrictions

Membership in Patelco Credit Union is open to those who live or work in Contra Costa, Alameda, Napa, Marin, San Francisco, Sacramento, Solano, San Mateo, Santa Clara, or Sonoma Counties in California; to those who live, worship or work in Alameda, Antelope, Alamo, Albany, and over 100 California cities. Membership is also open to employees and retirees of AT&T, Walgreens, and over 1,100 companies and organizations and to students of the University of California Berkeley, San Francisco State University, or California State University East Bay, members of the San Francisco State University Alumni Association or the California State University East Bay Alumni Association, and employees of the United States government and work in or are headquartered in San Francisco.
See current membership details

Related Posts

Patelco CU (CA) Offers Tiered Money Market Select Account - 10/12/2016

Patelco CU's (CA) Money Market Select Account earns 3% APY on balances up to $2k. Beyond $2k, the APY adjusts to a blended rate using five additional rate tiers.

Patelco CU 5 Year CD Rate Drop. - 4/28/2016

Patleco CU's top rated 5 year CD bit the dust today; APY (was 2.50%) is now 1.95%   :(

View all posts from:

12/5/10 - 5% 1-Year $1K Max New Member CD At Patelco Credit Union - Easy Membership
11/25/09 - High-Yield Low-Max CD Specials
6/22/09 - Patelco Is Now Federally Insured - My Experience Joining and Opening the 7% and 5.50% CDs
4/3/09 - Update on Patelco Credit Union Deals - Checking Bonus, New Member 7% CD ($1K Max) and Others
3/15/09 - Health Savings Account Overview and Finding the Best HSA
5/23/08 - Patelco Credit Union Absorbs Cal State 9
5/10/08 - 4.07% 12-Month Special CD at Patelco Credit Union
3/11/08 - 5.00% 11-Month CD at a California CU (Cal State 9).
2/25/08 - $50 Checking Account Bonus at Patelco Credit Union
1/25/08 - CD Rates Falling Quickly - Best Options for Locking in CD Rates
1/4/08 - Saturday Is Last Day for Patelco's 5.50% 9-Month CD
11/27/07 - Patelco Credit Union is Scheduled to be Federally Insured Starting January 1st
11/27/07 - 5.50% 9-Month CD at Patelco Credit Union (Available to All) - Update
11/4/07 - 6.00% 7-Month CD at a California CU (Cal State 9) - Update
11/4/07 - 6.00% 7-Month CD at a California CU - Updated Promo (Cal State 9).
11/4/07 - 6.00% 7-Month CD at a California CU Continues (Cal State 9)
11/4/07 - 5.50% 7-Month CD at a California CU (Cal State 9)
10/2/07 - Patelco Credit Union Applies for Federal Insurance
9/5/07 - 8.00% Youth Savings Account at Patelco Credit Union - $1K Max
7/16/07 - $50 New Member Bonus at a Patelco Credit Union Branch Near Sacramento
7/10/07 - 5.50% 9-Month CD at Patelco Credit Union (Available to All)
6/5/07 - 7.00% 12-Month CD at Patelco - $1K Max (Easy Membership)
6/2/07 - 5.75% 12 to 23-Month IRA CD at Patelco Credit Union (Easy Membership)
5/19/07 - 5.75% 14-Month CD Continues at Patelco Credit Union (Available to All)
2/10/07 - 5.75% 14-Month CD at Patelco Credit Union
1/4/07 - 5.64% 12 to 23 Month CDs at Patelco CU - 5.75% IRAs
10/4/06 - Patelco's 5.70% Treasury Income Account
9/1/06 - 6.00% 12-Month to 23-Month CD at Patelco CU (Available to All)
8/30/06 - 6.00% 7-Month CD at a California CU (Cal State 9)
7/8/06 - 5.75% 8-Month CD a Patelco CU (Available to All)
6/9/06 - 5.35% 8-Month CD at Patelco CU (open to all)
3/16/06 - 5% 13-Month CD at a California CU.
3/16/06 - 5.25% 13-Month CD at a California CU
1/5/06 - 5% 12-Month CD Available to All

Excellent CU

Posted by: John2014 | Sep 6, 2014

This is one of the best Credit Union or Bank that I've been with. The people are always helpful. They are always looking out for their customers as well. For instance, I once had my debit card info stolen and they were quick to inform me of strange purchases that had been occurring. We were able to solve the issues and I got a new card and all of my money back. Their customer service is top notch and there's really no fees for me. I highly recommend Patelco if they're in your area.

Fantastic credit union for everyday banking

Posted by: JohnE | Nov 14, 2014

I really enjoy being a member at Patelco because they offer great rates on their car loans, free checking, and bonus interest on their CD's for new members. While I was searching for a car to buy I shopped around and found that Patelco Credit Union offered the lowest interest rate at nearly 1.5% for 40 months. They were fantastic and even called the dealer to arrange everything so I could walk in with a down payment and leave with the car. After getting the loan, I signed up for their free checking account (a friend referred me for a $50 bonus) and a 5% APR CD for the first year. They are great and I would highly recommend Patelco to others.

Service Charges

Posted by: Anonymous | Jan 6, 2011

Beware of inactivity fees and low balance fees with this credit union. I had a free checking and savings account, and although I can't find any reference to these fees on their website, they suddenly started charging a monthly inactivity fee and low balance fee on both accounts.

Granted (And Then Revoked) Membership In 24 Hours

I opened an account with Patelco on a Tuesday, only to find out the very next day that I was locked out of online access. When I called to find out why, I was told that I was ineligible for services from the credit union -- even though I'd been approved for membership the day before and been told how to arrange for direct deposits!



Health Grade Components

NCUA #68579
Year Chartered1936
Primary Regulator
Profit Margin
Return on Assets - YTD0.94%
Return on Equity - YTD8.56%
Annual Interest Income$113.2MM
Assets and Liabilities
AssetsQ3 2016vs Q3 2015$5.36B$4.58B
LoansQ3 2016vs Q3 2015$3.49B$3.01B
DepositsQ3 2016vs Q3 2015$4.64B$3.92B
Equity CapitalQ3 2016vs Q3 2015$578.5MM$533.4MM
Loan Loss AllowanceQ3 2016vs Q3 2015$36.7MM$29.0MM
Unbacked Noncurrent LoansQ3 2016vs Q3 2015$18.9MM$44.2MM
Real Estate OwnedQ3 2016vs Q3 2015$49.00K$187.00K
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Always verify rates and promotions with the bank or credit union. We are not Patelco Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Patelco Credit Union Savings Account Rates

0.25%*$3,500*-Health Savings Account
OTHER TIERS: 0.05% Up to $2k | 0.10% $2k - $3,500
0.15%*$100k*-Tiered Savings
OTHER TIERS: 0.05% Up to $50k | 0.10% $50k - $100k
0.05%$20-Holiday Club

Patelco Credit Union Money Market Rates

3.00%*-$2kMoney Market Select Account
OTHER TIERS: 0.20% $100k+ | 0.25% $50k - $100k | 0.50% $10k - $50k | 1.00% $5k - $10k | 2.00% $2k - $5k
3.00%*-$2kMoney Market Select CESA
OTHER TIERS: 0.20% $100k+ | 0.25% $50k - $100k | 0.50% $10k - $50k | 1.00% $5k - $10k | 2.00% $2k - $5k
3.00%*-$2kMoney Market Select IRA
OTHER TIERS: 0.20% $100k+ | 0.25% $50k - $100k | 0.50% $10k - $50k | 1.00% $5k - $10k | 2.00% $2k - $5k

Patelco Credit Union Checking Account Rates

0.10%*$5k*-Premier Interest Checking
OTHER TIERS: 0.05% Up to $5k
0.05%--Interest Checking

Patelco Credit Union CD Rates

2.00%$1k-60 Month CD
1.50%$1k-48 - 59 Month CD
1.35%$1k-36 - 47 Month CD
0.90%$1k-24 - 35 Month CD
0.65%$1k-18-23 Month CD
0.55%$1k-12-17 Month CD
0.40%$1k-6 - 11 Month CD
0.20%$1k-3 - 5 Month CD

Patelco Credit Union IRA Rates

2.00%$500-60 Month IRA
1.50%$500-48 - 59 Month IRA
1.35%$500-36 - 47 Month IRA
0.90%$500-24 - 35 Month IRA
0.65%$500-18-23 Month IRA
0.55%$500-12-17 Month IRA
0.40%$500-6 - 11 Month IRA
0.20%$500-3 - 5 Month IRA

Patelco Credit Union has 37 locations. Click to view all Patelco Credit Union locations.