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iAdvertiser Disclosure
Advertiser Disclosure
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 Patelco Credit Union Rates & Review November 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 and Verified: October 30, 2026
Patelco Credit Union's 7 Month New Money CD rates are at 4.25%. Patelco Credit Union's money market rates are at 3.25%. Patelco Credit Union's 7/1 30-Year Adjustable Jumbo Loan rates are at 5.88%, Refinance Adjustable Rate Loan - 7/1 30-Year Adjustable Jumbo rates are at 6.00%, 5/1 30-Year Adjustable Jumbo Loan rates are at 5.88%, 10/1 30-Year Adjustable Jumbo Loan rates are at 6.25%, Refinance Adjustable Rate Loan - 5/1 30-Year Adjustable Jumbo rates are at 6.00%. Patelco Credit Union's Auto Loan Rates are as low as 5.19%. Patelco Credit Union's Credit Card Rates are at 9.70%. Patelco Credit Union's CD rates are 52% higher than the MonitorBankRates national average, and it has an A health rating. 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 6.65%. Rates last updated and verified on 10/30/2026. 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. Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends. Patelco Credit Union CD Rates
Patelco Credit Union Money Market Rates
Patelco Credit Union Mortgage Rates
Patelco Credit Union Home Equity & HELOC
Patelco Credit Union Auto Loan Rates
Patelco Credit Union Credit Card Rates
Patelco Credit Union Other Rates
Financial Health HistoryPatelco Credit Union’s Texas Ratio rose from 3.78% in Q3 2023 to 6.65% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A+ to A. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)
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How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
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
835
Part-Time Employees
16
Branch Locations
35
ATM Locations
36
NCUA Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (97/100)
Texas Ratio
6.65%
Return on Assets (ROA)
0.2035%
Return on Equity (ROE)
1.9396%
Non-Performing Loans Ratio (NPL)
1.03%
Total Assets
9,769,967,823
Total Amount of Shares and Deposits
8,222,723,231
Total Shares and Deposits < 1 Year
7,922,887,950
Total Shares and Deposits 1 3 Years
200,991,000
Total Shares and Deposits > 3 Years
98,844,281
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
506,022,374
Total Uninsured Shares and Deposits > $250K (F+J)
506,022,374
Total Insured Shares and Deposits > $250K (item 17 less item K)
7,716,700,857
Total Interest Expense (Sum of items 6 8)
90,825,796
Share Certificates
60,925
Number of Accounts for Share Drafts
314,579
IRA KEOGH Accounts
14,851
Number of Accounts for Regular Shares
635,548
All other shares
17,955
Money Market Shares
214,115
Net Income (unless the amount is already included in Undivided Earnings)
19,882,790
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
567,197,039
Total Liabilities
8,808,183,971
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
There are no reviews for Patelco Credit Union yet. Feel free to create one below.
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Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for Patelco Credit Union
Frequently Asked Questions About Patelco Credit UnionDoes Patelco Credit Union offer CDs?Yes. Patelco Credit Union current CD rates include its 7 Month New Money CD at 4.25% APY, verified by MonitorBankRates as of October 30, 2026. Are CDs from Patelco Credit Union NCUA insured?Yes. Patelco Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category. What is the highest CD rate at Patelco Credit Union?The highest Patelco Credit Union CD rate is its 7 Month New Money CD at 4.25% APY, verified by MonitorBankRates as of October 30, 2026. What CD terms does Patelco Credit Union offer?Patelco Credit Union CD rates are 4.25% APY for a 7 month CD, verified by MonitorBankRates as of October 30, 2026. The institution may offer other terms or specials that are not listed here, so check with Patelco Credit Union for its full lineup. What is the highest money market rate at Patelco Credit Union?The highest Patelco Credit Union money market rate is its Money Market Plus at 3.25% APY, verified by MonitorBankRates as of October 30, 2026. What is the lowest 30 year fixed mortgage rate at Patelco Credit Union?The lowest Patelco Credit Union 30 year fixed mortgage rate is its Purchase Fixed Rate Loan - 30-Year Fixed at 7.125%, verified by MonitorBankRates as of October 30, 2026. Patelco Credit Union mortgage rates are 6.125% for a 30 year mortgage, 6.75% for a 20 year mortgage, 6.50% for a 15 year mortgage and 6.50% for a 10 year mortgage. What is the lowest auto loan rate at Patelco Credit Union?The lowest Patelco Credit Union auto loan rate is its New Car Loans at 5.19% APR, verified by MonitorBankRates as of October 30, 2026. What is the lowest credit card APR at Patelco Credit Union?The lowest Patelco Credit Union credit card APR is its Pure Secured Mastercard Credit Card at 9.70% APR, verified by MonitorBankRates as of October 30, 2026. 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. Are all CD rates listed on MonitorBankRates federally insured?Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account. I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit. If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money. Why are some CD offers not available for me to open?Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules. How do Patelco Credit Union rates compare?Patelco Credit Union's CD rates are 52% higher than the MonitorBankRates national average, and it has an A health rating. Patelco Credit Union's top rates are its 7 Month New Money CD at 4.25% APY, its Money Market Plus at 3.25% APY, its 7/1 30-Year Adjustable Jumbo Loan at 5.875%, its New Car Loans at 5.19% APR and its Pure Secured Mastercard Credit Card at 9.70% APR, verified by MonitorBankRates on October 30, 2026. Current Patelco Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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