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Patelco at Work

Discover how Patelco can help create a stronger culture of financial health for your employees.

Trusted legacy

100+ partner companies

Tailored products

With better rates, lower fees

Financial wellbeing

Employee resources & advice

A no-cost financial wellness program for employees

Financial stress has skyrocketed, impacting employee wellbeing and organizational success. Recent studies show that 92% of employees stress about their finances, and it’s costing employers nearly $200 billion annually.1 That’s why it’s time for companies to offer personal finances as part of their overall benefits package to help boost employee productivity, loyalty and retention.
 
Click on the options below to learn more about the Patelco at Work program for employees.

Why Patelco for Employees

Learn about our rich history, our wellness values and the perks of our program.

Explore Patelco

Product and Service Benefits

Learn more about the everyday rewards, benefits and cost-savings of our product

Explore products

Employee Wellness Resources

Employees can access a variety of resources from free 1:1 advice to webinars, articles and podcasts.

Explore resources

How Patelco can help your organization

Unlike a traditional Employee Assistance Program, we take a holistic approach to financial wellness by providing professional 1:1 counseling, financial education, and products and services with better rates and low-to-no fees compared to most banks to help reduce money worries so your employees can live happier, fuller lives.

 

A legacy worthy of your trust
  • One of the largest credit unions in the nation, serving employers and members for over 87 years
  • Teaming with 100+ partner companies across a variety of industries
  • 37 Northern California branches with over 500,000 members
  • Not-for-profit means putting the needs of our members first and supporting our philanthropic missions
Learn more about Patelco A legacy worthy of your trust

 

What we offer our partners

1

Dedicated Partnership Manager

A single point of contact assigned to support your program, and ensure its day-to-day needs are taken care of

2

On-Site Financial Wellness Support

Lunch and learn educational workshops, staff and new hire presentations, health fair booths and wellness events

3

Ongoing Employee Resources

Access to complimentary expert mortgage and investment advice, ongoing marketing support and fraud resources

Patelco’s financial health and wellness services are a powerful investment in the wellbeing and success of employees. It not only enhances their financial security but also reaffirms my agency’s commitment to our employees.

Brittney M | Citrus Heights Water District

Products and services that give employees more

Your employees will instantly feel the difference between membership at Patelco and being a typical customer elsewhere. That’s because we’re a not-for-profit credit union and they’ll be a member-owner here at Patelco. We don’t have to answer to stockholders and the needs of our members come first here, not profits.
 
And since profits are returned to members, we can offer banking that your employees can trust with more savings, better rates, lower fees and an impressive suite of products with features and benefits they won’t find anywhere else. Learn more below.

The Patelco difference

Products for any journey

From savings, loans to credit cards and mortgages, we have financial solutions tailored to employees needs

Automatic rate reduction2

We can help employees reduce loan payments by lowering their rates as a reward for on-time payments

ScoreUp loan3

Offering employees credit building and repair services that are affordable and simple to navigate

Banking on their terms

Convenience with Virtual Branch, 36 local branches, 30,000+ fee-free ATMs and a top-rated Mobile App4

Expertise and personalized advice

Refer employees to Patelco’s financial experts to help guide them through life’s biggest milestones

Early payday for employees

With Patelco’s direct deposit, employees can access their fund up to 2 days early5

More savings, more possibilities

We believe in the importance of saving. That’s why your employees will automatically get a Regular Savings account when they join. There’s no monthly fee and no minimum balance requirements. Your employees can also earn savings rates as high as 4.50% APY6 with our Money Market Plus account and lock-in competitive rates with our Certificates.

Explore Savings Options More savings, more possibilities
No Monthly Fees

Patelco Free Checking

Employees can earn $50 with a new checking account and an initial $100 deposit.7 We offer features such as RoundUp for automatic savings, an early payday and an easy direct deposit switch.

Open Account Explore Checking
No Opening Minimum

Health Savings Account

Employees can manage High Deductible Health Plans (HDHP) using tax-advantaged funds with more ease, allowing them to save for present and future health expenses for them and their families.

Learn More Make Appointment

Frequently asked questions about Patelco at Work

Financial wellness resources to help employees thrive

Whether employees are looking to level up their financial knowledge through webinars, advice-driven articles, podcasts, calculators or online courses, Patelco has an extensive collection of resources to help guide them during the moments that matter most. Explore a few of our options below.

Resources for reading, watching and listening

Expert articles about budgeting, retirement planning or fraud prevention

Webinars hosted by experts on home buying, debt, estate planning and more

Engaging podcasts about financial wellness for employees on the go

Listen to our Patelco at Work podcast

Workforce Benefits
Elevate Wellbeing Benefits with Patelco at Work

September 20, 2023

00:17:15

Join seasoned financial experts Peggy Wyman and Shaida Samimi as they unpack how our free Patelco at Work program is transforming financial wellness in the workplace. Our Patelco at Work team offers tailored solutions, from credit repair to budgeting.

Interested in learning how personal finances as part of an overall benefits program can help boost productivity and increase retention in the workplace?

Listen on Spotify Listen on Apple Podcasts
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Coaching, calculators and courses

Certified Financial Specialists

Help with goal planning, savings strategies, budgeting, and more. Learn more here.

Banzai Direct

Banzai Direct offers financial education training through engaging articles, coaches, podcasts, videos and calculators.

BALANCE

BALANCE provides members with articles, coaching, webinars and 1:1 counseling programs. Access it here.

Elevate employee wellbeing today

Contact our Patelco at Work team to learn more about how we make a financial wellness benefit simple and seamless to implement.

Contact us now Elevate employee wellbeing today

1 Source: The State Of Mental Health At Work Isn’t Good, New Studies Show (forbes.com)

2 LevelUp (formerly the Timely Repayment Incentive Program aka TRIP) is offered to members who are approved for the following loans at Patelco’s credit tier 2 or higher: auto, motorcycle, RV, boat, and personal loans, excluding all lines of credit. Total discount of up to 1.50% APR (Annual Percentage Rate) applied in 0.50% APR increments for every 12 consecutive on-time monthly payments. Maximum discount will never cause the final APR to be lower than the LevelUp floor rate for the specific loan and term at time of funding. Monthly payment amount remains constant, with additional money going toward principal, which shortens the term of the loan and the total amount paid over the life of the loan and is not required to maintain your Patelco membership.

3 The ScoreUp savings account is used as collateral for your ScoreUp loan. As of 02/16/2023 the APY (Annual Percentage Yield) for of the ScoreUp savings account is 0.05% and is subject to change without notice.

4 Source: over 22,000 five-star reviews on the App Store.

5 Early access to direct deposit funds depends on the timing of the receipt of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date.

6 APY=Annual Percentage Yield. Rates are effective as of 08/01/2024 and are subject to change before or after account opening without notice. Rates vary by tier and apply to the full balance.

7 To qualify for the $50 bonus, you must use the employer code provided to open a new checking account (minimum deposit of $100). The $50 reward will be credited to your savings account within 5 business days of the qualifying new account being opened. If you receive $600 or more in prizes from Patelco throughout the year, we’ll send you an IRS Form 1099.

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