Credit union · NCUA insured
Patelco Credit Union
A $9.6B credit union, the 32nd largest of 4,329, headquartered in Dublin, CA, with 543,881 members and 35 branches in California. Best rates: CDs 4.25% and savings 0.05% APY.
Patelco Credit Union Carrot Score
82
Carrot Score
Higher than 58% of U.S. banks and credit unions
#34 of 71 in San Francisco, CA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Patelco Credit Union
Founded in 1936 by Pacific Telephone and Telegraph Company employees, Patelco Credit Union is a member-owned, not-for-profit financial cooperative.
Headquartered in Northern California, the credit union operates 36 branches across regions including the Bay Area, Sacramento, and San Jose.
- Headquarters
- 3 Park Pl, Dublin, CA 94568
- NCUA charter
- 68579
Branches
35 branches in California
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California
35 branches
San Francisco area · 22
- Berkeley2033 Kala Bagai Way, Berkeley, CA 94704Directions
- Brentwood5601 Lone Tree Way Ste 110, Brentwood, CA 94513Directions
- Castro Valley4055 E Castro Valley Blvd, Castro Valley, CA 94552Directions
- Concord1390 Willow Pass Rd Ste 100, Concord, CA 94520Directions
- Daly City362 Gellert Blvd, Daly City, CA 94015Directions
- Danville310 Hartz Ave, Danville, CA 94526Directions
- Dublin3 Park Pl, Dublin, CA 94568Directions
- Fremont5166 Mowry Ave, Fremont, CA 94538Directions
- Hayward24703 Amador St, Hayward, CA 94544Directions
- Lafayette3498 Mt Diablo Blvd # A, Lafayette, CA 94549Directions
- Livermore2245 Las Positas Rd, Livermore, CA 94551Directions
- Novato112 Vintage Way Ste C1, Novato, CA 94945Directions
- Oakland360 22nd St, Oakland, CA 94612Directions
- Oakland - City Center1200 Clay St Ste 130, City Center, Oakland, CA 94612Directions
- Redwood City1105 Veterans Blvd, Redwood City, CA 94063Directions
- San Bruno1050 Admiral Ct Ste F, San Bruno, CA 94066Directions
- San Francisco - Downtown124 2nd St, San Francisco, CA 94105Directions
- San Francisco - Sunset1405 Noriega St, San Francisco, CA 94122Directions
- San Leandro15100 Hesperian Blvd Ste 132A, San Leandro, CA 94578Directions
- San Mateo51 Bovet Rd, San Mateo, CA 94402Directions
- San Ramon - City Center6000 Bollinger Canyon Rd STE 1612, San Ramon, CA 94583Directions
- Walnut Creek1790 N Broadway, Walnut Creek, CA 94596Directions
San Jose area · 5
- Campbell1790 S Bascom Ave Ste 110, Campbell, CA 95008Directions
- Milpitas1351 McCandless Dr, Milpitas, CA 95035Directions
- San Jose - Almaden5185 Cherry Ave Ste 50, San Jose, CA 95118Directions
- San Jose - East1775 Story Rd Ste 110, San Jose, CA 95122Directions
- Sunnyvale332 W El Camino Real, Sunnyvale, CA 94087Directions
Sacramento area · 5
- Citrus Heights6100 Birdcage Centre Ln Ste 125, Citrus Heights, CA 95610Directions
- Elk Grove9121 E Stockton Blvd, Elk Grove, CA 95624Directions
- Folsom1300 E Bidwell St Ste 155, Folsom, CA 95630Directions
- Roseville5040 Foothills Blvd, Roseville, CA 95747Directions
- Sacramento2425 Fair Oaks Blvd Suite 6, Sacramento, CA 95825Directions
Santa Rosa area · 2
- Rohnert Park985 Golf Course Dr, Rohnert Park, CA 94928Directions
- Santa Rosa1965 Cleveland Ave, Santa Rosa, CA 95401Directions
Vallejo area · 1
- Fairfield3101 Travis Blvd Ste A, Fairfield, CA 94534Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 10.49% | 10.86% | 12.59% or more |
| Troubled loans60+ days late | 1.03% | 0.70% | 0.46% or less |
| ProfitabilityReturn on assets | 0.41% | 0.82% | 1.16% or more |
| LendingLoans per $100 deposited | $86 | $88 | — |
- CapitalNet worth ratio10.49%Peers’ middle 10.86% · Top 25% 12.59%+
- Troubled loans60+ days late1.03%Peers’ middle 0.70% · Top 25% ≤0.46%
- ProfitabilityReturn on assets0.41%Peers’ middle 0.82% · Top 25% 1.16%+
- LendingLoans per $100 deposited$86Peers’ middle $88
Compared with the 479 credit unions with $1 billion or more in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Patelco Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.