PATELCO

5050 Hopyard Rd
Pleasanton, CA 94588

 

2018 Overview

General Credit Union Information

NCUA Insured Yes
Charter Number # # 68579
Date Established 1936
Assets $6,310.71 million
Loans $4,506.65 million
Deposits $5,536.10 million
Capital $671.90 million

Patelco is an NCUA insured institution located in Pleasanton, CA. It was founded in 1936 and has approximately $6310.71 millions in assets.

Who can join?

Everyone can join Patelco Credit Union.

While the large majority of Patelco members live, work, or worship in the California towns where Patelco has a major presence, members can join from all over the country. This is made possible by our partnerships with thousands of companies and the Community Association for Engaging Youth (CAFE-Y). So rest assured, if you are reading this and you have your primary residence in the United States, you can become a Patelco member simply by applying for any of our industry-leading financial products and services. If you have any questions about membership, please contact us.

Community

You live in a community charter county: A community charter allows you to join if you live or regularly work in one of these California counties: Alameda, Contra Costa, Marin, Napa, Sacramento, San Francisco, San Mateo, Santa Clara, Solano, or Sonoma.
Residence

You regularly live, work, or worship in these California cities:
Alameda, Alamo, Antelope, Antioch, Atherton, Atwater, Albany, American Canyon, Bakersfield, Bay Point, Belmont, Benicia. Berkeley, Blackhawk, Brentwood, Brisbane, Burlingame, Calistoga, Campbell, Carmichael, Castro Valley, Citrus Heights, Clayton, Cloverdale, Colma, Concord, Corte Madera, Cotati, Crockett, Cupertino, Daly City, Danville, Diablo, Discovery Bay, Dixon, Dublin, East Palo Alto, El Cerrito, El Sobrante, Elk Grove, Elverta, Emerisa Gardens, Emeryville, Eureka, Fairfax, Fairfield, Fair Oaks, Folsom, Foster City, Fremont, Galt, Geyserville, Gilroy, Glen Ellen, Gold River, Greenbrae, Guerneville, Half Moon Bay, Hayward, Herald, Healdsburg, Hercules, Hillsborough, Kensington, Kentfield, Kenwood, Lafayette, Laguna, Larkspur, Livermore, Los Altos, Los Banos, Los Gatos, Martinez, McKinleyville, Menlo Park, Mill Valley, Millbrae, Milpitas, Monte Rio, Monte Sereno, Moraga, Morgan Hill, Mountain View, Napa, Newark, North Highlands, Novato, Oakland, Oakley, Occidental, Orangevale, Orinda, Pacheco, Pacifica, Palo Alto, Penngrove, Petaluma, Piedmont, Pinole, Pittsburg, Pleasanton, Pleasant Hill, Portola Valley, Rancho Cordova, Rancho Murrieta, Redwood City, Richmond, Rio Linda, Rio Vista, Rocklin, Rodeo, Rohnert Park, Roseville, Rutherford, San Francisco, Sacramento, Saint Helena, San Anselmo, San Bruno, San Carlos, San Geronimo, San Jose, San Leandro, San Lorenzo, San Martin, San Mateo, San Pablo, San Rafael, San Ramon, Santa Clara, Santa Cruz, Santa Rosa, Saratoga, Sebastopol, Sonoma, South San Francisco, Suisun City, Sunnyvale, Tiburon, Tracy, Union City, Vacaville, Vallejo, Walnut Creek, Walnut Grove, West Sacramento, Wilton, Windsor, and Yountville.
Employment

You are an employee or pensioner of one of the 1100+ companies (including AT&T and Walgreens), associations, trade groups, chambers of commerce, or federal government agencies served by Patelco Credit Union.
Students

You are a student of the University of California Berkeley, San Francisco State University, or California State University East Bay.
You are a member of the San Francisco State University Alumni Association or the California State University East Bay Alumni Association.
Other Ways

Community Association for Engaging Youth (CAFE-Y) CAFE-Y is an association of youth and adults working together to promote youth-driven community involvement as a vital force for social change. It is a support network for youth-adult teams that perform community service together all across California. Membership is open to anyone with a desire to make a difference and give back. Because YLI has a Select Employer Group (SEG) relationship with Patelco, any member of their group can join Patelco. To learn more about Community Association for Engaging Youth (CAFE-Y), please visit the YLI website.
You are a minor child or surviving spouse of a deceased employee or pensioner eligible for membership.
You are a family member or roommate of an existing Patelco member. You will need their name and account number when you apply.
You are a civilian employee of the United States government and work in or are headquartered in San Francisco.

Field of Membership Restrictions

Membership in Patelco Credit Union is open to those who live or work in Contra Costa, Alameda, Napa, Marin, San Francisco, Sacramento, Solano, San Mateo, Santa Clara, or Sonoma Counties in California; to those who live, worship or work in Alameda, Antelope, Alamo, Albany, and over 100 California cities. Membership is also open to employees and retirees of AT&T, Walgreens, and over 1,100 companies and organizations and to students of the University of California Berkeley, San Francisco State University, or California State University East Bay, members of the San Francisco State University Alumni Association or the California State University East Bay Alumni Association, and employees of the United States government and work in or are headquartered in San Francisco.

Deposit Rates - September 21, 2018

Your Current Location: Virginia, VA 20146

CD Rates (Share Certificate Rates) APY MIN MAX
3 Mo CD 10K
0.40% $1,000 - Learn MoreShow Less
6 Mo CD 10K
0.70% $1,000 - Learn MoreShow Less
Savings Rates (Share Account Rates) APY MIN MAX
Fixed IRA Rates APY MIN MAX
Fixed IRA 0K
1.20% $500 - Learn MoreShow Less
Special: 36 Mo FIRA
3.00% $500 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
Var IRA 0K
3.00% $1 $2,000 Learn MoreShow Less
MM Rates APY MIN MAX
MM2.5K
2.00% $2,001 $5,000 Learn MoreShow Less
MM25K
0.50% $10,001 $50,000 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg 0K
0.05% $1 - Learn MoreShow Less

Loan Rates - September 21, 2018

Your Current Location: Virginia, VA 20146

Home Equity Rates APR Rate Monthly Payment
Auto Loan Rates APR Rate Monthly Payment
3 Year 2.79% 2.79% $724.72 Learn MoreShow Less
4 Year 2.79% 2.79% $551.04 Learn MoreShow Less
5 Year 3.09% 3.09% $450.22 Learn MoreShow Less
Refinance Mortgage Rates APR Rate Monthly Payment
Purchase Mortgage Rates APR Rate Monthly Payment

Monthly payments for mortgage products are based on a loan amount of $200,000. Home equity monthly payments are based on a loan amount of $50,000. Auto loan monthly payments are based on a loan amount of $25,000. Rates for each product are based on a variety of factors including credit score and loan amount. For specific requirements please check with the lender. Rates may change at any time.

Branches

Below are Patelco branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Ashburn,Virginia


Patelco Locations

Financial Details

Patelco Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Patelco. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
Patelco U.S. Average
3.69% 6.94

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of March 31, 2018, Patelco had $22,998,018 in non-current loans and $3,190,560 in owned assets. To cover these potential losses it had $671,902,476 in net worth and $37,612,431 in loans loss reserves. That gives it a Texas Ratio of 3.69%.

Net Worth
Patelco U.S. Average
10.64% 13.08%

Patelco FCU has a net worth of 10.64% versus the BestCashCow average of 13.08. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions On Patelco

What is Patelco?

A federal credit union, registered with the NCUA under certificate #68579.
Learn more about credit unions here.

Is Patelco FDIC insured?

No, credit unions are not insured by the FDIC. They are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance.

Who can join Patelco?

Please see Field of Membership information above for information on who is eligible to join.

What are Patelco's share account and share certificate rates?

Patelco's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is Patelco?

Patelco has total capital of $671.90 million. Full information on Patelco's financial position is located above.

Who owns Patelco?

Credit Unions are owned by their members.

Where are Patelco branches located?

See branch locations nearby.

Are Patelco ATMs Open 24/7?

Do Patelco ATMs accept cash deposits?

Can Patelco customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does Patelco have a mobile app?

Does Patelco have mobile deposit?

Does Patelco have quick pay?

How can Patelco transfer money to other banks or credit unions?

Does Patelco report to credit bureaus?

Does Patelco use Chexsystems?

Does Patelco use Equifax?

What is Patelco's toll free phone number?

What is Patelco's ACH Routing Number?

What is Patelco's SWIFT code?

Where can I find Patelco's wire transfer form?

What is the Patelco address for deposits?

What Products Does Patelco Offer

Does Patelco offer mortgages?

Compare mortgage rates here.

Does Patelco offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Patelco offer auto and RV loans?

Compare auto loan rates here.

Does Patelco offer student loans or personal loans?

Compare personal loan rates here.

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