
At Patelco Sacramento Credit Union, members can enjoy a wide range of benefits that make their financial lives easier and more rewarding.
With over 1,000 employees, Patelco Sacramento Credit Union provides personalized service to its members, making them feel valued and supported.
As a not-for-profit financial cooperative, Patelco Sacramento Credit Union returns profits to its members in the form of better rates and lower fees.
Members can also take advantage of the credit union's extensive network of branches and ATMs, with over 30 locations in the Sacramento area.
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Member Experiences
Patelco Credit Union members rave about their experiences, with many mentioning the exceptional service they received. Lonna B. and David-L both had wonderful experiences opening accounts at the Clay Street branch in Oakland, with Lonna specifically recommending an appointment with Marika.
The loan department at Patelco is also highly praised, with Judy F. and Suzette W. both mentioning the prompt and smooth service they received when obtaining a mortgage and opening new accounts, respectively. Judy F. specifically mentioned working with Paras Singh, who was pleasant, professional, and answered all her questions with clarity and patience.
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Members also appreciate the competitive rates offered by Patelco, with Nelson P. mentioning that the rates are some of the lowest he was able to find. Additionally, the entire process of opening accounts and obtaining loans is often completed quickly, with David-L's new 66-month car loan being completed in less than a day.
Member Stories
I've personally known people who've had great experiences with Patelco Credit Union. Many members have reported being treated with kindness and respect, like Lonna B. who had a wonderful experience opening an account with her daughter.
Some members have been with Patelco for years, like Judy F. and her family, who have been members for years and recently obtained a mortgage with the credit union.
The loan process at Patelco is often quick and smooth, as seen with David-L's 66-month car loan that was completed in less than a day. He even paid off his original loan with Patelco.
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Patelco's rates are also a major draw for many members, with Nelson P. noting that they are some of the lowest he was able to find. This is likely due to the credit union's not-for-profit status and member-driven approach.
Paras Singh is one loan officer who has received praise from multiple members, including Judy F. and Suzette W. who both appreciated his professionalism and patience.
Many members have been impressed by the ease and simplicity of the process at Patelco, as seen with Nelson P. who was amazed by how easy it was to open an account and navigate the credit union's services.
Investments & Planning
As a Patelco Credit Union member, you have access to a wide range of investment services and financial planning tools to help you achieve your long-term goals.
Our investment services are offered through CUSO Financial Services, L.P., a registered broker-dealer and SEC Registered Investment Advisor.
Non-deposit investment products and services are not federally insured, so it's essential to understand the risks involved, including possible loss of principal.
Investment Representatives are registered through CFS, and you can check their backgrounds on FINRA's BrokerCheck.
Patelco Credit Union has partnered with CFS to make non-deposit investment products and services available to our members, offering a convenient and accessible way to plan for your financial future.
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Financial Services

At Patelco Sacramento, you can get help with investment strategies and college savings plans through our financial planning services. These services are offered in partnership with CUSO Financial Services, L.P.
Non-deposit investment products and services are available to credit union members, but they're not federally insured and may involve investment risk, including possible loss of principal.
Online Banking Issues
Patelco Credit Union's online banking services have been down for days after a ransomware attack over the weekend.
Customers are unable to make rent or mortgage payments, or conduct electronic transactions like transfers, direct deposit, and payments.
Debit and credit card transactions are happening in a limited capacity, but cash withdrawals and deposits can still be done at Patelco ATMs and shared branch ATMs.
Branches of Patelco and the call center are currently open, but long wait times are expected.
Customers can still access cash from ATMs, but online banking and the mobile app are not available.
You can contact Patelco by calling (800) 358-8228 or find the nearest branch locations online.
Frequently Asked Questions
Who is Patelco owned by?
Patelco Credit Union is owned by its members, who are its primary stakeholders. As a not-for-profit credit union, it operates for the benefit of its members, not external shareholders.
What credit score do you need for a Patelco credit card?
To be eligible for a Patelco credit card, you'll need a minimum credit score of 680 or no credit score at all. We also consider applicants with limited or no credit history.
How do I talk to a live person at Patelco?
Call Patelco at 800.358.8228 or visit your local branch to speak with a live representative.
What kind of bank is Patelco?
Patelco is a member-owned credit union, not a traditional bank. It's a not-for-profit cooperative serving Northern California, particularly the San Francisco Bay Area.
Sources
- https://www.patelco.org/locations/sacramento
- http://www.usacreditunions.com/patelco-credit-union-68579/locations/sacramento-ca
- https://www.patelco.org/locations/elk-grove
- https://www.abc10.com/article/money/patelo-credit-union-ransomware-update/103-50e8a4dc-0657-41ac-af9c-c8582d05e375
- https://www.abc10.com/article/news/local/patelco-credit-union-online-banking-services-down-security-incident/103-7dcbcfd7-c8dc-4760-9297-e1f398a92ba6
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