当你加入帕特尔科, you'll experience the difference between simply being a customer and being a member. As a member-owned not-for-profit financial cooperative, we hold ourselves to a higher standard. Our people-before-profits philosophy is deeply rooted in our mission to help improve financial health for our members.
任何银行
Access your account any time with 37 branches in Northern California, 30,000台免费自动柜员机,000+ shared branches nationwide along with online, 电话及手机银行. 了解更多
年度保险检查
Save an average of $651/yr with a free annual insurance check-up with a licensed professional. 了解更多
个人理财咨询
Your employees will have access to Personal Financial Counselors, 研讨会, 在线教育和咨询. 了解更多
加支票帐户
+ checking is a one-of-a-kind account that offers automatic round-up savings and a 10% match. 身份盗窃保护, worldwide ATM fee rebates and other account features save our members an average of $642/yr.1 了解更多
免费检查
If you simply want a basic account without a lot of extras, we offer our 免费检查 Account. Enjoy $0 monthly fee and no minimum balance plus free overdraft transfers from a linked account. 了解更多
感兴趣的检查
A $10 opening deposit gets you an everyday account that pays steady interest. It's free with a monthly direct deposit of $100 or more or a minimum daily balance of $500 (otherwise it’s only $5 per month). 了解更多
货币市场储蓄帐户
Empower your employees to reach their goals with our 2.00% APY货币市场储蓄, a high-paying liquid account that offers one of the highest savings rates in the country.2,3 了解更多
I think Patelco is a great financial partner for me. I feel like they care about where I'm going and what my goals are.
- Simone, Patelco的三年会员
房屋贷款
We're making the path to home ownership easier and possible for more people with low rates, 灵活期限选择, 以及当地的专业知识. Purchase a home with just 3% down and no closing costs. 了解更多
房屋净值信用贷款
Your home equity can be a powerful financial tool for home improvement and consolidating debt. We can give you access to low-cost funds with fixed and variable rate options. 了解更多
通过Patelco……, 我已经能够为自己省钱了, 给我的两个孩子, 还有我的孙子…我已经贷款了. I have paid for cars…I have a whole house paid for…banking with Patelco, 我已经做到了.
——玛格丽特，帕特尔科38年的会员
升级自动降低费率计划
We recognize everyone may not qualify for the absolute lowest rate, 我们希望帮助我们的会员实现这一目标. That's why we reduce rates on select loan types every year when payments are made on time. So far, over 75% of members in this program reduced their rate and improved their credit score.4 了解更多
切换到保存
The 切换到保存 program helps members quickly compare their existing credit card and loan rates and fees to Patelco's, demonstrating the value and savings Patelco can deliver. 了解更多
透支保障贷款
Low-rate 透支保障贷款 for checking accounts significantly reduce non-sufficient fund (NSF) fees, saving members hundreds of dollars a year in NSF fees. 了解更多
汽车贷款
We offer affordable low rates and flexible terms up to 84 months. Whether you're looking to buy a new car or refinance, we deliver competitive solutions. 摩托车，船和房车贷款也可. 了解更多
个人贷款
We offer loans for just about any need with competitive low rates and debt consolidation options. +, we will work with you on a payment and loan term that is best for your needs. 了解更多
信用卡
Low rates and no annual fees or balance transfer fees, our Pure Mastercard® 信贷 车d is a great option for everyday purchases. 了解更多
1 Identity, 信贷, and Round-Up features all require enrollment. 保险产品不是存款, 未投保NCUA, not an obligation by the 信贷 Union or its affiliates, 而且没有任何政府机构的担保. ATM fee rebates do not apply to any fees other than those assessed for using an ATM to withdraw cash from your 帕特尔科信用合作社 account. Cell phone protection is subject to additional terms and conditions. Participating merchants on Patelco + are not sponsors of the program, 如有更改，恕不另行通知, may not be available in all regions and may choose to limit deals. Policies and account features subject to change without notice. Combined services valued at $642 per year based on research on websites for Lifelock®, AT&T®,冲刺®, Verizon®. $6.每月收费95英镑.
2 APY=年收益率百分比. 利率 are valid as of 12/01/2022 and are subject to change after account opening without notice. 感兴趣 is paid at tier rates on balances within each tier. 支付的总利息是每一层的总和. Blended APY shown assumes the amount entered is held in the account for one year. Withdrawing funds before one year will result in a different realized rate. 开户不要求最低存款额. Limit one 货币市场选择 Account and one 货币市场选择 爱尔兰共和军 Account per account number.
3 Bankrate.com 12/01/2022.
4 LevelUp our automatic rate reduction program is offered to members who are approved for the following loans at Patelco’s credit tier 2 or higher: auto, 摩托车, RV, 船, 个人贷款, 不包括季节性贷款和所有信贷额度. 总折扣高达1.50% APR(年度百分比率)适用于2010年.50% APR increments for every 12 consecutive on-time monthly payments. Maximum discount will never cause the final APR to be lower than the floor rate for the specific loan and term at time of funding. 每月付款金额保持不变, 还有额外的钱用来支付本金, which shortens the term of the loan and the total amount paid over the life of the loan.
