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iAdvertiser Disclosure
Advertiser Disclosure
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 Patelco Credit Union Rates & Review March 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: March 28, 2026
Patelco Credit Union's CDs 60 month rates are at 3.50%, CDs 7 Month Promo rates are at 3.50%, IRA CDs 60 month rates are at 3.50%, IRA CDs 7 Month Promo rates are at 3.50%, CDs 11 Month Promo rates are at 3.25%. Patelco Credit Union's savings rates are at 0.05%. Patelco Credit Union's money market rates are at 0.05%. Patelco Credit Union's 7/1 30-Year Adjustable Jumbo rates are at 5.75%, 5/5 30-Year Adjustable Jumbo rates are at 5.88%, 5/1 30-Year Adjustable Jumbo rates are at 5.75%, 10/1 30-Year Adjustable Jumbo rates are at 5.88%, 5/5 30-Year Adjustable Jumbo rates are at 6.00%. Patelco Credit Union's Personal Loan Rates are at 9.30%. MonitorBankRates evaluates the financial stability of Patelco Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.87%. Rates were last updated on 03/28/2026. Patelco Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Patelco Credit Union? Share your experience about Patelco Credit Union by leaving a review below, or read customer reviews before you decide to use Patelco Credit Union. 
Patelco Credit Union CD Rates
Patelco Credit Union Savings Rates
Patelco Credit Union Money Market Rates
Patelco Credit Union Checking Rates
Patelco Credit Union Mortgage Rates
Patelco Credit Union Home Equity & HELOC
Patelco Credit Union Credit Card Rates
Patelco Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Patelco Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Patelco Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Patelco Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Patelco Credit Union
Website
https://www.patelco.org
Address
3 Park Pl,
Dublin, CA 94568
Phone
800-358-8228
Fax
President
Jesse Rivera
CEO
Erin Mendez
Full-Time Employees
839
Part-Time Employees
19
Branch Locations
35
ATM Locations
37
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (98/100)
Texas Ratio
4.87%
Return on Assets (ROA)
0.2187%
Return on Equity (ROE)
2.0815%
Non-Performing Loans Ratio (NPL)
0.70%
Total Assets
9,519,174,618
Total Amount of Shares and Deposits
8,109,604,332
Total Shares and Deposits < 1 Year
7,747,718,347
Total Shares and Deposits 1 3 Years
312,915,695
Total Shares and Deposits > 3 Years
48,970,290
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
480,790,094
Total Uninsured Shares and Deposits > $250K (F+J)
480,790,094
Total Insured Shares and Deposits > $250K (item 17 less item K)
7,628,814,238
Total Interest Expense (Sum of items 6 8)
153,539,015
Share Certificates
53,480
Number of Accounts for Share Drafts
264,892
IRA KEOGH Accounts
14,642
Number of Accounts for Regular Shares
560,631
All other shares
13,438
Money Market Shares
185,108
Net Income (unless the amount is already included in Undivided Earnings)
20,820,882
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
605,476,317
Total Liabilities
8,598,020,111
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Patelco Credit UnionIs Patelco Credit Union a safe place to deposit money?Yes, Patelco Credit Union is considered a safe financial institution. With a Texas Ratio of 4.8694798373502%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does Patelco Credit Union operate?Patelco Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join Patelco Credit Union?Yes, to access services at Patelco Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, Patelco Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Patelco Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Patelco Credit Union offer online and mobile banking?Most modern institutions like Patelco Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.patelco.org. Current Patelco Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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