Patelco Credit Union is a member-owned financial cooperative serving the Concord area and surrounding communities. Established to provide a cooperative alternative to traditional banks, the organization operates as a financial institution governed by a member-elected board and structured to reinvest earnings into member services and community initiatives. Its origins lie in the credit union model that emphasizes cooperative principles, including democratic member control and a focus on meeting the financial needs of individuals through shared ownership.
The credit union offers typical core functions associated with credit unions, such as deposit accounts, consumer and mortgage loan products, and payment services, while emphasizing accessible member service and financial education. Its operations are conducted through a network that supports standard transactional capabilities, savings options, and lending activities designed to meet the diverse needs of its membership. The organization maintains regulatory compliance and safeguards members’ funds within the framework of applicable state and federal requirements.
Better than 46% of providers in Concord
In addition to the primary service, Patelco Credit Union also offers:
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Patelco Credit Union is a verified financial service provider. This means we have confirmed their business information, contact details, and they have received customer reviews. You can trust this provider for your financial needs.
Find answers to common questions
Patelco Credit Union is listed as a financial service provider in Concord, CA and must follow both state and federal regulations that apply to this type of business. As with any financial provider, you should review the agreement carefully before signing, make sure you understand all fees and repayment terms, and only use official contact details from this page or the company's own website. Avoid sharing personal or payment information with anyone who contacts you unexpectedly and, if something seems unclear, ask Patelco Credit Union to explain the terms in writing before you proceed.
To improve your chances of getting better terms from Patelco Credit Union, be prepared with accurate information about your income, existing debts, and the amount you really need to borrow. If possible, check your credit history in advance, avoid late payments on other accounts, and consider offering collateral if the product allows it, as stronger overall finances can help you qualify for more favorable rates or fees. It's also a good idea to compare Patelco Credit Union with other providers in Concord and to ask directly about any current promotions, loyalty benefits, or ways to reduce the total cost of your loan.
Patelco Credit Union has a rating of 3.7, which is better than 46% of providers in Concord.
Requirements can vary by product, but for most visits you should be ready to bring a valid government-issued ID, proof of income (such as recent pay stubs or bank statements), and proof of address like a utility bill or lease. If you are applying for a title or secured loan, you may also need the vehicle title, registration, and insurance details, along with any other documents Patelco Credit Union requests. It is always best to call ahead using the phone number on this page so Patelco Credit Union can confirm exactly which documents you need for your specific situation.
In addition to its primary service, Patelco Credit Union also offers: Credit union, ATM, Bank, Car finance and loan company, Financial planner, Mortgage lender, Savings bank.