Patelco Credit Union is a member-owned financial cooperative serving residents and employees of select employer groups within its field of membership. Established to provide access to affordable financial services, the organization operates as a not-for-profit institution governed by a member-elected board of volunteers. Its structure reflects a cooperative model in which earnings are assigned to member benefits, rather than to external shareholders.
Historically, Patelco has evolved from a community-based credit union to a broader system of financial offerings, emphasizing member education, prudent lending practices, and stable, insured deposit accounts. The organization historically emphasizes core banking functions, including savings and checking products, loan services, and digital access channels to support routine financial activity. Its operational scope extends to branch locations, member services, and community engagement aligned with cooperative values. The credit union maintains compliance with applicable regulations governing financial cooperatives and insured depository institutions, prioritizing safety and soundness in its day-to-day operations.
Better than 59% of providers in Oakland
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 Oakland, 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 Oakland 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 4.4, which is better than 59% of providers in Oakland.
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, Investment service, Loan agency, Mortgage lender, Savings bank.