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Featured Accounts

Patelco Credit Union

Popular Accounts at this Credit Union

2.10%5-year CD60 Month CD
2.10%5-year IRA60 Month IRA (Traditional, Roth, CESA)
1.50%3-year CD36 - 47 Month CD

Overview / Commentary
5050 Hopyard Rd
Pleasanton, CA 94588

Patelco credit union got its start in 1936 with just $500 pooled together for the benefit of employees of the Pacific Telephone and Telegraph Company (which is now a part of AT&T). Today, the credit union serves its over 300,000 members from over 30 branch locations in Southern California.

Patelco offers its members a full range of financial products and services, including quick, easy, and secure access to funds through online and mobile banking options. Its personal depository banking products include checking accounts, savings accounts, health savings accounts (HSAs), money market accounts, Certificates of Deposit (CDs), and Individual Retirement Accounts (IRAs).

There are both interest and non-interest-bearing checking accounts available, including an option with tiered interest rates for higher account balances. Patelco requires a basic savings account for membership, but also provides savings account options for youth and for specific saving goals, such as holiday spending. The credit union’s money market account yields tiered dividends, depending upon account balances.

Patelco CD terms go from 3 to 60 months. The credit union provides both Traditional and Roth IRAs, as well as Coverdell Education Savings Accounts (ESAs) – all available as either CDs or money market accounts.

Field of Membership Restrictions

Membership in Patelco Credit Union is open to those who live, work, worship, or attend school in the California counties of Alameda, Contra Costa, El Dorado, Marin, Merced, Napa, Placer, Sacramento, San Francisco, San Joaquin, San Mateo, Santa Clara, Solano, Sonoma, Stanislaus, or Yolo , or the California cities of Bakersfield, Eureka, McKinleyville, or Santa Cruz. Membership is also open to employees and retirees of AT&T, Walgreens, and over 1,100 companies and organizations. Students attending the University of California Berkeley, San Francisco State University, or California State University East Bay are eligible to join, as are members of the San Francisco State University Alumni Association or the California State University East Bay Alumni Association. Employees of the United States government who work in or are headquartered in San Francisco also qualify.
See current membership details

Related Posts

Patelco Credit Union (CA) Hikes 24-35 Month CD - 1/14/2018

Patelco CU (CA) has added 100 bps to its 24-35 months Certificate (2.25% APY). Minimum deposit is $1k, with no stated balance cap. Also as an IRA.

View all posts from:

10/23/15 - 3-Yr Rising Rate Certificate With Blended Rate Of 1.75% APY
4/8/15 - Patelco Delivers Up To 3% APY On New Money Market Accounts
10/18/12 - Last Chance for Patelco Credit Union's 7-Year CD
7/18/12 - Patelco Credit Union Launches Online Check Deposit Service
4/16/12 - Top 7-Year CD Rate at Patelco Credit Union - Easy Membership
3/25/12 - 12-Month CD At 5 % APY
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
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
5/10/08 - 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
1/4/08 - Saturday Is Last Day for Patelco's 5.50% 9-Month CD
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)
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.

Patelco Credit Union - my personal rating

I've been with Patelco for over 10 years. At the time it was through referral only. They have extremely low fees. As a matter of fact, we have 3 checking accounts and one savings account, and we pay zero fees. We've had car and motorcycle loans with them and each time we received better rates than all the institutions we checked out. Those loans were approved very fast. Their website is very user friendly and customer service is great.

We had our accounts compromised and now they are very proactive in protecting our accounts. When we did have our money taken from us, they were quick to get us our money back as they sent us new cards and changed our account numbers. We also have bill pay through them, and it's very easy to use.

The only drawback is that it's a local credit union with few branches. But for basic banking needs, I can go to almost any credit union to deposit, withdraw, and check balances. For other needs, I find calling them is very easy as well.

Needs Improvement

I've had a CD with Patelco for 5 years.
They have good rates and they appear to be healthy, but they also have hiccups in their phone center and in their online banking. 30 minute waits to talk to a customer service rep is very frustrating.
The customer service person I spoke to said they are working on it, but time will tell.

Stay Away!

Posted by: sbk | Aug 23, 2017

Patelco is such a bad credit union. They are set up to take money from your accounts. The "new" online service is the same type of system from 10 years ago. The customer service is none. They just pass the hat from one "customer service" to the next. Saty away from this place they will steal you blind.



Health Grade Components

NCUA #68579
Year Chartered1936
Primary Regulator
Profit Margin
Return on Assets - YTD1.17%
Return on Equity - YTD11.43%
Annual Interest Income$49.3MM
Assets and Liabilities
AssetsQ1 2018vs Q1 2017$6.31B$5.68B
LoansQ1 2018vs Q1 2017$4.51B$3.78B
DepositsQ1 2018vs Q1 2017$5.54B$4.95B
Equity CapitalQ1 2018vs Q1 2017$634.6MM$591.4MM
Loan Loss AllowanceQ1 2018vs Q1 2017$37.6MM$35.6MM
Unbacked Noncurrent LoansQ1 2018vs Q1 2017$12.4MM$16.6MM
Real Estate OwnedQ1 2018vs Q1 2017$2.9MM$2.8MM
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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 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

2.10%$1k-60 Month CD
1.80%$1k-48 - 59 Month CD
1.50%$1k-36 - 47 Month CD
1.35%$1k-24 - 35 Month CD
1.10%$1k-18 - 23 Month CD
1.00%$1k-12 - 17 Month CD
0.55%$1k-6 - 11 Month CD
0.25%$1k-3 - 5 Month CD

Patelco Credit Union IRA Rates

2.10%$500-60 Month IRA
1.80%$500-48 - 59 Month IRA
1.50%$500-36 - 47 Month IRA
1.35%$500-24 - 35 Month IRA
1.10%$500-18 - 23 Month IRA
1.00%$500-12 - 17 Month IRA
0.55%$500-6 - 11 Month IRA
0.25%$500-3 - 5 Month IRA


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