Patelco Credit Union San Jose CA | Quick Personal Loans & ATM Access

Introduction

Welcome to Patelco, your trusted financial partner located at 1775 Story Rd Ste 110, San Jose, CA 95122. Established in 1936, our credit union has been dedicated to serving our members with integrity and care for over 87 years. With a total membership of 506,920 and assets exceeding $9.5 billion, we pride ourselves on creating financial solutions that truly fit the needs of our community. At Patelco, we believe in building strong relationships with our members. Our CEO, Erin Mendez, along with Board President Jesse Rivera, lead a team of 839 employees who are here to provide personalized service and expertise. Whether you're looking for checking accounts, auto loans, or mortgage refinancing, we have a wide range of products designed just for you. Our commitment to your financial well-being is reflected in our impressive figures: we currently hold $893 million in deposits and have facilitated over 283,325 loans to help our members achieve their dreams. With a net worth of $995 million and cash reserves of $112 million, you can trust that your finances are in good hands. While you can visit us at our branch for all your banking needs, official correspondence should be sent to the same address: 1775 Story Rd Ste 110, San Jose, CA 95122. If you have any questions or would like to learn more about how we can help you thrive financially, please don't hesitate to call us at (408) 254-8020. Join us today at Patelco and experience the difference of being part of a credit union that truly cares about its members! For more information about our services, visit us online at Patelco.

Branch History & Mission

Join Us

We invite you to become part of the Patelco family. Experience firsthand how we prioritize your financial well-being while contributing positively to the broader community. Whether you're looking to open an account or simply learn more about what we offer, we're here for you! For more information or assistance, please don't hesitate to call us at 408-254-8020. Together, let's pave the way for a brighter financial future!

Our Evolution

Located at 1775 Story Rd Ste 110, San Jose, CA 95122, Patelco has evolved significantly over the years. From our humble beginnings, we have expanded our reach and resources to serve over 506,920 members today. With total assets amounting to an impressive $9,525,458,343, we pride ourselves on being a reliable partner for our members' financial journeys. Throughout our history, we have remained committed to innovation while honoring our core values of integrity and service. Today, we offer a wide array of services including personal banking accounts, auto loans, mortgages, credit cards with rewards, and business banking solutions. Our digital advancements ensure that you can manage your finances conveniently through online and mobile banking options.

Our Mission

At Patelco, our mission is clear: we are here to help you succeed financially while making a positive impact in the community. We believe that everyone deserves access to quality financial services that not only meet their needs but also support their dreams. This mission drives us to provide exceptional customer service and engage in meaningful outreach efforts throughout San Jose. Our commitment extends beyond just banking; it encompasses supporting local initiatives and fostering partnerships that uplift our community. We strive to create opportunities for growth and development for all members whether it's through financial education programs or community events. While you can visit us at our branch location for all your banking needs, official correspondence should be sent to our mailing address: 1775 Story Rd Ste 110, San Jose, CA 95122.

Branch Location & Accessibility

Convenient Access and Amenities

At Patelco, we prioritize your convenience. You'll find ample parking right outside our branch, making it easy to pop in for a visit. Our location is designed with accessibility in mind; we offer ADA-compliant features so that everyone can enjoy our services comfortably. We know that your time is valuable. That's why we have flexible operating hours to suit your schedule: from Monday to Thursday, we're open from 10 AM to 6 PM, and on Fridays, we welcome you from 10 AM until 2 PM. If you need quick cash or want to check your balance after hours, you can take advantage of our ATM availability at this branch.

Services Tailored for You

At Patelco, we offer a variety of services tailored just for you. From checking and savings accounts to auto loans and mortgage refinancing, our team is dedicated to helping you achieve your financial goals. While we currently do not have drive-thru banking available, our lobby is always ready to assist you with personal banking needs or business inquiries. Feel free to give us a call at 408-254-8020 if you have any questions or need assistance before visiting. We invite you to stop by Patelco San Jose East Branch today where exceptional service meets community spirit!

Member Eligibility

Becoming a member of Patelco is like joining a close-knit family that's dedicated to supporting you on your financial journey. Whether you're looking to open a checking account, secure an auto loan, or simply want access to exceptional banking services, we welcome individuals who live, work, or worship in our community. You'll find that our membership is inclusive, allowing those who are related to existing members to join as well. This means that if you have friends or family who are part of Patelco, you can easily become one of us! To learn more about the specific eligibility criteria, check out the details at https://www.patelco.org/about-patelco/become-a-member. Once you're ready to take the next step and enjoy the benefits of membership including lower fees, competitive rates, and personalized service opening an account is simple. You can start the process online by visiting https://www.patelco.org/onlineregistration or call us at (408) 254-8020 for assistance. We're here to help make your banking experience easy and enjoyable right at our branch located at 1775 Story Rd Ste 110 San Jose Ca 95122. Join us today and see how being part of Patelco can make a difference in your financial life!

Business Banking & Commercial Services

Commercial Loan Options

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.

Merchant Services

In addition to loans, we provide robust merchant services that simplify payment processing. Imagine being able to accept payments seamlessly, whether online or in-person. Our solutions help you manage transactions efficiently, ensuring you focus more on what you do best running your business. Located at 1775 Story Rd Ste 110 San Jose Ca 95122 in San Jose, CA, we're here to empower local businesses. Reach out today at (408) 254-8020 to learn how our services can benefit you!

Comprehensive List Of Services

Business Banking

For our business members, Patelco provides comprehensive solutions including merchant services and business loans to help you grow your enterprise. We understand the unique challenges businesses face, and our team is committed to providing the resources you need.

Convenient Access

With a commitment to member satisfaction, we aim to provide ease of access across all our services. Our branch operates during convenient hours: Monday through Thursday from 10:00 AM to 6:00 PM, Friday from 10:00 AM to 2:00 PM, making it easy for you to visit us when it suits you best. For more information about how we can assist with your financial needs or if you're ready to explore membership options, please don't hesitate to reach out at (408) 254-8020 or visit us online at https://www.patelco.org/. Experience the difference with Patelco today!

Digital Banking Features

Embracing modern technology, we offer robust online and mobile banking features that make managing your accounts effortless. From checking balances to transferring funds or making payments on-the-go, our digital platforms ensure that you have access to your finances whenever and wherever you need it. You can even take advantage of our ATM services for quick cash withdrawals and balance checks.

Home Financing

Homeownership is a significant milestone, and our mortgage loans and refinancing services can guide you through the process. Whether you're buying your first home or looking to refinance your current mortgage for better terms, we provide personalized support throughout your journey.

Personal Banking

We understand that managing personal finances can be challenging. That's why we offer a variety of checking and savings accounts designed to help you grow your money while keeping it safe. If you're considering purchasing a new car or refinancing an existing loan, our auto loans and vehicle financing options are here to assist you every step of the way. Our competitive rates make it easy to drive off in the vehicle of your dreams without breaking the bank.

Personal Loans

Need some extra cash for an unexpected expense? Our personal loans and debt consolidation services can help simplify your finances by merging multiple debts into one manageable payment. We also offer credit cards with rewards, allowing you to earn points on everyday purchases which can be redeemed for exciting perks.

Digital & Online Banking

Key Services Offered

Our online banking service allows you to check balances, transfer funds, and pay bills with just a few clicks. And if you're always on the go, our mobile application gives you the power to manage your accounts right from your smartphone. You can also enjoy the ease of mobile payments, letting you make purchases effortlessly. Need to send money to a friend or family member? With our person-to-person transfer feature, sending money is quick and simple. Plus, we provide e-statements for your accounts, giving you an easy way to keep track of your transactions without cluttering your mailbox.

Security and User-Friendliness

We prioritize your security by implementing robust measures to protect your information while ensuring that our services remain user-friendly. Although we currently do not offer electronic signature authorization, rest assured that every aspect of our digital banking services is designed with your safety in mind. In today's fast-paced world, having real-time access to your account information is more important than ever. Whether you're checking balances before making a purchase or reviewing past transactions, our online tools empower you to make informed financial decisions quickly and easily. At Patelco, we are committed to providing you with accessible and efficient banking solutions that fit seamlessly into your lifestyle. Explore all these features by visiting us online at https://www.patelco.org/ and take charge of your finances today!

Financial Strength

At Patelco, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We are proud to share our financial strengths that demonstrate our commitment to you and your financial well-being. 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 10.44% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. 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. 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. Our capacity to support your financial goals is reflected in our $43,928 in used auto loans and $6,856,932,621 in total loans and leases. Our operational efficiency is highlighted by our impressive $6,572,880, which enables us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 820 full-time employees and 19 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team. Total Share Accounts: 1,065,187, showing a strong and growing member base that trusts us with their finances. 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 1775 Story Rd Ste 110 San Jose Ca 95122 or call (408) 254-8020 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.

Loan Offering

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. We offer financing options for both new and used vehicles, ensuring you can find the right fit for your budget.

Credit Lines and Unsecured Credit Card Loans

For those who need extra flexibility, our total credit lines amount to $3,524,846,441, allowing members to access funds when needed without the hassle of applying for a new loan each time. 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. This can be an excellent way to handle daily expenses while earning rewards.

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $838,511,825, making buying or refinancing simple. We provide tailored solutions whether you're a first-time buyer or looking to refinance an existing mortgage.

Refinancing Options

If you're considering refinancing any existing loans or mortgages, we have options that may lower your monthly payments or help you pay off your debt faster. Reach out to us for more details about eligibility and how we can assist you in this process. At Patelco, we pride ourselves on being more than just a lender; we are your financial partner. For any questions regarding our loan products or to start an application today, please call us at 408-254-8020 or visit us at our branch located at 1775 Story Rd Ste 110 San Jose Ca 95122. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Let us help you take the next step towards financial success!

Loan Aggregator

Accurate Loan 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 every comparison is fair and transparent, allowing users to make informed choices without hidden surprises.

Benefits of Using LendMesh

- Verified Data: All loan offers are sourced from legitimate financial institutions, ensuring transparency in the rates you see. - No Sponsored Listings: Unlike many other platforms, LendMesh does not prioritize lenders based on paid promotions. Our goal is to provide unbiased results that truly reflect the best options available. - Real-Time Rate Comparisons: With up-to-date loan rates from multiple institutions, users can quickly find the most competitive offers tailored to their needs. Thousands of users trust LendMesh for loan comparisons. One satisfied member shared, "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Such testimonials highlight the effectiveness of our platform in delivering valuable insights. 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 CREDIT UNION - San Jose, CA

Type of Loan Offerings

Home Equity Loans

Mortgage Loans

Personal Loans

Vehicle Loans

Compare Loan Rates Near You

Loan rates in San Jose, CA (95122)

Introduction

Branch History & Mission

Join Us

Our Evolution

Our Mission

Branch Location & Accessibility

Convenient Access and Amenities

Services Tailored for You

Member Eligibility

Business Banking & Commercial Services

Commercial Loan Options

Merchant Services

Comprehensive List Of Services

Business Banking

Convenient Access

Digital Banking Features

Home Financing

Personal Banking

Personal Loans

Digital & Online Banking

Key Services Offered

Security and User-Friendliness

Financial Strength

Loan Offering

Auto Loans

Credit Lines and Unsecured Credit Card Loans

Mortgage Loans

Refinancing Options

Loan Aggregator

Accurate Loan Comparisons

Benefits of Using LendMesh

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