Intro – Patelco Credit Union Reviews & Ranking

AdvisoryHQ recently published its list and review of the top credit unions in San Francisco, a list that included Patelco Credit Union.

Below, we have highlighted some of the many reasons Patelco Credit Union was selected as one of the best credit unions in San Francisco.

Click here for a detailed review of AdvisoryHQ’s selection methodology: AdvisoryHQ’s Methodology for Selecting Top Banks and Credit Unions

Patelco Credit Union Review

Patelco Credit Union was formed in 1936 with the intent to serve employees of the Pacific Telephone and Telegraph Company, which is now a part of AT&T. The union’s assets began with $500, and, today, its assets have grown to $5 billion, with members totaling 300,000 nationwide.

Patelco Credit Union Reviews-min

Patelco Credit Union Review

Membership is open to employees of over 1,000 large and small businesses and communities throughout California and the United States. Check out the membership webpage to view further details regarding membership requirements.

Key Factors Leading Us to Rank This Firm as One of This Year’s Top Credit Union Firms

Upon completing our detailed review, Patelco Credit Union was included in AdvisoryHQ’s ranking of this year’s best credit unions based on the following factors. 

Patelco Credit Union Review: Checking Accounts

Patelco has several different checking accounts available for members. Such accounts include:

Patelco Credit Union Review: Overdraft Protection

Members may link a checking account to a savings account, credit card or line of credit for overdraft protection. For credit card protection, a cash advance fee of $2.50 or 2.5%, whichever is greater, will be applied, with a $75 maximum plus the interest on the balance. Some limitations may apply.

Be sure to check with a Patelco employee about the specifics of overdraft protection regarding which accounts may be linked to which features, how to activate overdraft protections, and what fees or interest rates may potentially apply. 

Patelco Credit Union Review: Savings Accounts

Several savings accounts are also available at Patelco. These accounts include:

Patelco Credit Union Review: Loans and Credit Cards


Members may apply for the following loans at Patelco:

  • Vehicle loans
  • Home loans
  • Personal loans

Credit Cards

Several credit cards are available for members to apply for. These cards include:

  • Visa Platinum
  • Visa Gold
  • Visa Classic/Student
  • Secured Visa Classic
  • UChoose Rewards Point

Patelco's credit cards review-min

Patelco CU Credit Cards

Patelco’s credit cards are meant to make your life easier. This credit union’s credit cards come with low-interest rates that remain low, even if you make a late payment (or two). Patelco’s credit cards come equipped with the following features:

  • Apple Pay
  • Low variable rates
  • No annual fees
  • No penalty rate hikes
  • 25-day grace period on purchases
  • No over-limit fees
  • Same rate for purchases and balance transfers

To learn more about the credit cards at Patelco, check out its credit card webpage here.

Patelco Credit Union Review: Online & Mobile Banking

With Patelco’s Online Banking, you can check your account 24/7 from anywhere you have an Internet connection. With online banking, you can receive e-statements and account alerts, use bill pay, and much more. It’s not only easy to use but free for all members.

Using any web-enabled device, you can use Patelco’s Mobile Banking. With mobile banking, you can check balances, transfer funds, make payments using either bill pay or Popmoney, find the location closest to you, and contact a representative.

In addition, you can download the mobile banking app on any iPhone and Android device; make secure deposits right from your computer, phone or tablet; and also have the option for Text Banking, where you can get account alerts delivered right to your mobile phone.

Patelco Credit Union Review: Digital Services

Members can access both online and mobile banking. Online banking will provide access to accounts with an Internet connection and offers services such as viewing account balances, e-statements, and transfers.

Before opening an account, be sure to check the Patelco Credit Union website and to contact a credit union representative to make certain that you are fully aware of all membership requirements, fees, terms, conditions, and benefits.

In addition to reviewing the above Patelco Credit Union review, you can click on any of the links below to browse exclusive reviews of AdvisoryHQ’s top rated banking firms & credit unions:

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AdvisoryHQ (AHQ) Disclaimer:

Reasonable efforts have been made by AdvisoryHQ to present accurate information, however all info is presented without warranty. Review AdvisoryHQ’s Terms for details. Also review each firm’s site for the most updated data, rates and info.

Note: Firms and products, including the one(s) reviewed above, may be AdvisoryHQ's affiliates. Click to view AdvisoryHQ's advertiser disclosures.