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Patelco Credit Union Used Car Loan Rates
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Patelco Credit Union Laguna Blvd, Elk Grove, Ca 95758
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Bottom line: Patelco Credit Union is a great choice if you want to keep all of your financial accounts under one roof, including banking, credit cards, loans, investments and insurance. Members can get competitive rates on select CD terms with minimum deposits and open a free checking account. However, the best credit unions offer higher savings and money market rates.
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Patelco Credit Union members can get competitive rates with select CD terms and minimum deposits of $250, however, Best Credit Union offers higher savings and money market rates.
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Patelco Credit Union’s regular savings account pays an APY of 0.05%, which is lower than the national average savings account of 0.47%. In fact, the best high-yield savings accounts have an APY of up to 6.17%.
Best of all, there are no monthly service fees and a $0 minimum deposit, with an ATM card.
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Patelco offers two other savings accounts with similar interest rates and zero fees. Children’s Savings Accounts are joint or custodial accounts for children under the age of 17. The minimum initial deposit for a Vacation Club Savings Account is $20, and you must deposit at least $20 each month to earn interest.
The Patelco Credit Union Free Checking Account is a simple account with no monthly service fees and a $0 minimum deposit.
Patelco offers three other checking accounts. An additional checking account costs $6.95 a month, but you get discounts at ATMs around the world, automatic withdrawals, free credit monitoring and assistance along the way. A no-interest checking account pays low interest and charges $5 per month (unless you qualify for a waiver).
There are no fees or minimums on student checking accounts and a $200 limit on debit card transactions — plus a $100 daily ATM withdrawal limit to help teens develop healthy banking habits.
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Patelco chooses between three- to 60-month standard CDs and IRAs. These are called “certificates of equity,” which credit unions call CDs.
There is a minimum deposit of $250 to open an account. Dividends are calculated monthly for short-term certificates that exceed 12 months. You will pay 90 days of interest for 47 months and 180 days in the long term for early cancellation. These fines are lighter than those paid elsewhere.
Patelco Credit Union Money Market Account Interest Rate Pays multiple interest rates based on your balance. You’ll get the best rate on your first $2,000 and up. You can write up to three checks per month and make unlimited deposits, but you are limited to six withdrawals or transfers per month.
Patelco’s Money Market Plus account offers higher fees, no account fees and no initial deposit requirements. However, you must have a Patelco checking account and deposit at least $500 per month to qualify for the interest.
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Patelco offers a wide range of financial products and services including bank accounts, credit cards, loans, insurance and investment accounts. It serves communities and employees of more than 1,100 businesses throughout Northern California.
You can join Patel by fulfilling residency or employment criteria. Anyone in the U.S. can participate by becoming a member of the Financial Health Association (and Patelco pays for the first year of FFA membership).
Members enjoy personal banking services and support at 37 Patelco branches in Northern California (including the Bay Area, Sacramento and San Jose) and more than 6,000 shared service branches nationwide. Members can also bank through Patelco’s online and mobile application platforms.
Patelco’s virtual office (where you meet with a member of the Patelco team via Zoom) is open on weekends from 10am to 5pm. PT and Saturday from 10 a.m. to 2 p.m. Physical branch opening hours vary by location, but you can reach a live person via live phone or chat between 9am and 5pm weekdays. P.T.
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Patelco Mobile Banking App has 4.8 out of 5 stars on Apple App Store and 4.5 out of 5 stars on Google Play Store.
Patelco is an NCUA member credit union, so your deposits are insured up to $250,000 or $500,000 if you have a joint account.
By joining Patelec, you become a member and shareholder. Patelec membership is open to those who meet at least one of the following criteria:
The Better Business Bureau gives Patelco Credit Union an A. BBB rating ranges from F to A+: Patelco has an A because of more than 50 customer complaints on the BBB website. A high BBB rating indicates that a company responds to customer complaints, has transparent business practices, and requires truthful advertising.
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Patelco has had two data breaches in the past five years, according to the Identity Theft Resource Center. A robbery was reported in 2023 involving an ATM that exposed customer details. Meanwhile, the Consumer Financial Protection Bureau has received no complaints about Patelco in the past 10 years.
What does Patelco mean? A chevron icon indicates an expandable section or menu, or sometimes previous/next navigation options.
Patelco Credit Union was founded in 1936 by several employees of the Pacific Telephone and Telecommunications Company. Its name comes from the name of the company.
Does Patelco Credit Union have a cell? A chevron icon indicates an expandable section or menu, or sometimes previous/next navigation options.
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Yes, you can receive, request and send money through Zella from your Patelco web account or the Patelco mobile app.
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Deposits at Patelec are insured in accordance with NCUA guidelines. In terms of financial health, credit union deposits continue to grow despite uncertainty elsewhere, according to Patelco President and CEO Erin Mendez. Additionally, Patelco’s liquidity position and capitalization remain strong at over 10%, and it remains well funded.
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Yes, Patelco is a legitimate credit union. Founded in 1936, it is one of the oldest and largest credit unions in the country. Deposits held at Patel are federally insured by the National Credit Union Administration (NCUA) up to $250,000 per shareholder, per account ownership category.
Patelco and Chase Bank offer a variety of financial services, including personal banking, credit cards, loans and investment accounts, making each a good, unique banking choice. Patelco pays a slightly higher savings rate, but you won’t earn as much as you save anyway.
Patelco usually has lower fees (and less) than Chase, and monthly service fees for checking and savings accounts unless you qualify for their waiver. Patelco also starts with a better price than CD in most cases. Chase CD rates range from 0.01% to 5.00% (depending on location) APY, but the highest interest rate requires a linked Chase checking account and a minimum deposit of $100,000.
Chase has a larger footprint than Patelco, with more than 4,700 branches and more than 15,000 free ATMs, making it easy to get personal assistance or a free ATM. Chase also has an outstanding mobile app rating with millions of users.
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All in all, if you want less fees and minimum deposit, you may choose Patelco. Chase may be a better option if it has larger physical branches and an ATM network, or a more robust mobile app.
Bank of America’s deposit rates range from 0.01% to 0.04%, compared to Patel’s 0.05% APY. Both rates are so low that it probably won’t
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