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Patelco Credit Union

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Patelco Credit Union Rates & Review June 2026

Q: 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.

Q: 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.

Q: 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.

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: June 16, 2026

You can compare Patelco Credit Union rates to other rates in our database, including 12-month share certificate rates currently at 0.20%, 6-month share certificate rates at 0.75% and 3-month share certificate rates at 0.30%. Savings rates are at 0.05% and money market rates are at 0.10%. Mortgage rates on 30-year fixed loans are around 6.01%. All these rates can be compared to Patelco Credit Union rates. 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 4.56%. Rates were last updated on 06/16/2026.

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.

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

4.56%

Excellent Lower than avg

Patelco Credit Union
Headquarters

3 Park Pl
Dublin, CA 94568

https://www.patelco.org

Current Rate Availability

We do not have Patelco Credit Union rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates 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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

4.56%

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

Customer Reviews

There are no reviews for Patelco Credit Union yet. Feel free to create one below.

Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.

Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About Patelco Credit Union

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.