Patelco Credit Union Oakland CA | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Patelco, your trusted financial partner located at 1200 Clay St Ste 130, Oakland, CA 94612. Since our establishment in 1936, we have dedicated ourselves to serving the local community with personalized banking solutions that meet your unique needs. With a strong membership base of over 506,920 individuals, we are proud to be a part of your financial journey. At Patelco, we understand that banking is not just about transactions; it's about building relationships. Our total assets stand at an impressive $9,525,458,343, reflecting our commitment to stability and growth for all our members. We offer a range of services from personal banking including checking and savings accounts to various loan options, ensuring that you have access to everything you need under one roof. While our branch is here to serve you in person, official correspondence can also be sent to our mailing address: 1200 Clay St Ste 130, Oakland, CA 94612. If you have any questions or need assistance, don't hesitate to reach out via phone at 510-302-2820. Led by CEO Erin Mendez and Board President Jesse Rivera, our team of 839 employees is devoted to providing exceptional service and support. Whether you're looking for competitive rates on auto loans or seeking advice on mortgage refinancing, we're here for you every step of the way. Join us at Patelco and experience the difference of a credit union that genuinely cares about its members. Visit our website at www.patelco.org for more information or to get started today!

Branch History & Mission

Community Focus

We understand that being part of a community means more than just offering financial products; it means giving back. Our partnerships with local organizations help provide resources and support where it's needed most. Whether through workshops or sponsorships of community events, we strive to make a positive impact every day. As we look toward the future, Patelco remains committed to enhancing the member experience while fostering strong connections within Oakland and beyond. If you're ready to join an institution that prioritizes your financial wellbeing and community growth, we invite you to become a member today! Visit us at Patelco or call us at 510-302-2820 for more information on how we can assist you on your financial journey.

Our Journey

Patelco has always been more than just a financial institution; it's a place where relationships are built and dreams are nurtured. We started with the mission to provide accessible banking options for everyone, especially those who might struggle to find support elsewhere. As we grew, so did our range of services. Today, we offer personal banking solutions such as checking and savings accounts, auto loans, mortgages, credit cards with rewards, and business banking services. Our branch is open Monday through Friday from 9:00 AM to 5:00 PM, providing convenient access for all your banking needs. While members can visit us at our main address, any official correspondence should be sent to the same location: 1200 Clay St Ste 130, Oakland, CA 94612.

Our Mission

At Patelco, our mission is simple yet powerful: to empower individuals and families through smart financial choices. We believe in supporting not only our members' financial goals but also the community's welfare. We engage in various outreach programs that foster education and assistance in financial literacy. Our commitment extends beyond traditional banking services. We embrace technology with features like online banking and mobile payments, ensuring that our members have easy access to their accounts whenever they need it. We also offer ATM services for quick cash withdrawals and balance checks.

Branch Location & Accessibility

Accessibility Features

We prioritize making our services accessible to everyone. Our branch is ADA compliant and features ramps for easy entry. Ample parking space is available nearby, ensuring that you can park with ease when you visit us.

Contact Us

If you have any questions or need assistance before your visit, feel free to give us a call at 510-302-2820. We're eager to help! So why wait? Come see us at Patelco today we look forward to welcoming you into our community!

Nearby Landmarks

Located near popular landmarks in downtown Oakland, our branch is just a short stroll away from the bustling City Center. This central spot means you can easily combine errands or enjoy a meal while you're in the area.

Operating Hours

At Patelco, we want to make your banking experience as convenient as possible. Our lobby hours are Monday through Friday from 9:00 AM to 5:00 PM. We're here to assist you during these hours so that you can get the help you need without any hassle.

Services Offered

While visiting our branch, you'll find a range of services designed to meet your financial needs. From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, we've got you covered. Plus, with ATM availability right at our location, accessing cash is quick and simple.

Member Eligibility

Becoming a member of Patelco is like joining a close-knit family that supports you every step of the way. We welcome anyone who lives, works, worships, or attends school in the area to join us at our branch located at 1200 Clay St Ste 130 Oakland Ca 94612. Whether you're looking for better banking options, personal loans, or even just a friendly place to manage your finances, Patelco is here for you. The eligibility criteria are straightforward, making it easy for you to take the first step towards membership. For more details on who can join, check out our comprehensive guide here. Once you're ready to open an account, the process is smooth and welcoming. You can get started online by visiting our account opening page here, or feel free to give us a call at (510) 302-2820 if you have any questions. We're excited to help you become part of our community!

Business Banking & Commercial Services

Merchant Services That Make Sense

Imagine a bustling café that needs efficient payment processing for its busy morning rush. Our merchant services empower local businesses like this to accept payments easily, manage transactions seamlessly, and focus on what they do best serving their customers. Located at 1200 Clay St Ste 130 Oakland Ca 94612 in Oakland, CA, we are dedicated to offering practical financial solutions that foster business growth. Reach out to us today at (510) 302-2820 and discover how we can partner with you on your path to success!

Tailored Loan Solutions

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $4 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $45 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $4,428,259, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

ATM & Cash Withdrawal Services

Our convenient ATM & Cash Withdrawal Services mean that accessing cash is quick and easy. With basic ATM access available for withdrawals and balance checks, managing your money has never been simpler. We invite you to explore all these services at Oakland Cc! For any questions or assistance, feel free to reach out at (510) 302-2820 during our lobby hours from 9:00 AM to 5:00 PM, Monday through Friday. Join us today and discover how we can support your financial journey!

Auto Loans & Vehicle Financing

Thinking about buying a new car? Our Auto Loans & Vehicle Financing options make it easy to hit the road in style. With competitive rates and flexible terms, we ensure that financing your dream vehicle is as smooth as possible.

Business Banking

For entrepreneurs and business owners, we offer comprehensive Business Banking solutions, including merchant services and business loans. We're committed to supporting local businesses in achieving their financial goals, making banking simple so you can focus on what matters most: growing your business.

Credit Cards with Rewards

With our Credit Cards with Rewards, not only can you make everyday purchases, but you can also earn points or cash back on those purchases. It's an excellent way to maximize the value of your spending while enjoying benefits tailored to your lifestyle.

Mortgage Loans & Refinancing

If you're considering purchasing a home or refinancing your existing mortgage, our Mortgage Loans & Refinancing services are here for you. We provide expert guidance throughout the process, helping you find the best loan options that suit your budget and lifestyle.

Online & Mobile Banking

In today's fast-paced world, having access to your accounts anytime is crucial. That's why we offer robust Online & Mobile Banking features. Check balances, transfer funds, or pay bills on-the-go everything at your fingertips whenever you need it.

Personal Banking

For those looking to manage their everyday finances, our Personal Banking options include both checking and savings accounts designed to fit various lifestyles. Whether you're saving for a big purchase or need a reliable checking account for daily expenses, we have the right tools to help you succeed.

Personal Loans & Debt Consolidation

Life can throw unexpected expenses your way, which is why our Personal Loans & Debt Consolidation offerings can provide you with the financial relief you need. We work with you to create a manageable plan that helps get your finances back on track.

Digital & Online Banking

Key Features of Our Digital Banking Services

With our online banking platform, you can check your account balances, transfer funds, and pay bills all from the comfort of your couch. You can sign up for e-statements, which are not only environmentally friendly but also help you keep track of your finances without the clutter of paper statements. Plus, for those who prefer a more modern touch, we offer mobile payments, allowing you to make quick transactions right from your smartphone. Managing your account is even easier with our mobile application. It's user-friendly and packed with features that let you access your accounts anytime. You can also send money easily through person-to-person transfers, making it simple to split bills or send gifts to friends and family.

Security You Can Trust

Your security is our top priority at Patelco. While we currently do not support electronic signature authorization, we use strong security measures to ensure that your information remains safe. With 24/7 online banking services available, you can feel confident knowing that you have access to your accounts whenever needed. In a world where convenience matters most, Patelco is committed to providing digital banking solutions that fit seamlessly into your lifestyle. Visit us today at https://www.patelco.org/ and discover how our online banking services can simplify your financial management!

Financial Strength

Commitment to Innovation and Growth

With $967,064,650 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. We have $43,928 in used auto loans and $6,856,932,621 in total loans and leases available to support your financial goals across various sectors. Additionally, our $15,841,827 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members.

Dedicated Team

Our success is driven by our people. We proudly employ 820 full-time employees and 19 part-time employees who are committed to serving you with expertise and care. Together, we work diligently to ensure your needs are met every day.

Member Trust

We are honored to have a strong member base with a total of 1,065,187 share accounts. This trust reinforces our commitment to providing exceptional service tailored specifically for you. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Patelco is your trusted partner. Visit us at 1200 Clay St Ste 130 Oakland Ca 94612 or call (510) 302-2820 to learn more about how we can help you achieve your financial goals. *Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.*

Secure Savings Options

Members' savings are secured through $2,424,527,505 in share certificates and $2,846,708,611 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Solid Financial Health

With a net worth of $995,432,723, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,044 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Additional Loan Options

For those who need additional financing solutions, we provide access to total credit lines amounting to $3,524,846,441. If you're considering starting or expanding a business, our outstanding commercial loans totaling $4,428,259 can provide the capital needed for growth. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov based on the latest results. No matter what your financial needs are whether it's securing an auto loan or exploring mortgage options Patelco is committed to providing personalized service and competitive rates tailored just for you. Visit us today to learn more about how we can support your journey toward financial success!

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $742,557,092 in used vehicle loans and $932,347,960 in new vehicle loans already helping members get on the road. Whether you're interested in financing a new ride or looking for competitive terms on a used vehicle, we've got you covered.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Properties loans totaling $838,511,825. Our friendly staff can guide you through the application process and help determine your eligibility for various refinancing options.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans. With a total of $340,929,889 in loans helping members manage their finances effectively, our credit cards come with features designed to fit your lifestyle.

Loan Aggregator

How LendMesh Ensures Accurate Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov). This ensures that all offers displayed are fair and transparent. By focusing on verified institutions, LendMesh helps users avoid misleading or inflated offers.

Key Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. You can trust that the information you see reflects actual market conditions. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. This means you see options based solely on their merits rather than marketing budgets. - Real-Time Rate Comparisons: Get up-to-date loan rates from multiple institutions, helping users make informed decisions quickly and easily. Thousands of users trust LendMesh for loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Such testimonials highlight the practical benefits of using a reliable comparison tool. Compare real-time loan offers today at LendMesh and find the best rates for your needs. *Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.*

Patelco

Type of Loan Offerings

Home Equity Loans

Mortgage Loans

Personal Loans

Vehicle Loans

Introduction

Branch History & Mission

Community Focus

Our Journey

Our Mission

Branch Location & Accessibility

Accessibility Features

Contact Us

Nearby Landmarks

Operating Hours

Services Offered

Member Eligibility

Business Banking & Commercial Services

Merchant Services That Make Sense

Tailored Loan Solutions

Comprehensive List Of Services

ATM & Cash Withdrawal Services

Auto Loans & Vehicle Financing

Business Banking

Credit Cards with Rewards

Mortgage Loans & Refinancing

Online & Mobile Banking

Personal Banking

Personal Loans & Debt Consolidation

Digital & Online Banking

Key Features of Our Digital Banking Services

Security You Can Trust

Financial Strength

Commitment to Innovation and Growth

Dedicated Team

Member Trust

Secure Savings Options

Solid Financial Health

Loan Offering

Additional Loan Options

Auto Loans

Mortgage Loans

Unsecured Credit Card Loans

Loan Aggregator

How LendMesh Ensures Accurate Comparisons

Key Benefits of Using LendMesh

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