Patelco Credit Union
Quick Summary
- HSA savings account
The Verdict
Patelco Credit Union provides essential HSA features with a monthly fee of $2.00 and basic savings functionality, earning a 0/5.0 rating from HSA Orbit.
Back in 1936, with only $500 assets, a few employees at Pacific Telephone and Telegraph Company (now AT&T) had a dream to create a credit union. A fixture in the Bay Area since then, Patelco Credit Union is now a full-service, not-for-profit financial cooperative dedicated to helping our members and communities prosper. With nearly $10 billion in assets and over 500,000 members nationwide, we are one of the largest credit unions in the nation. Although we’ve grown exponentially, our purpose remains with our members: Fueling hope and creating opportunities to build financial resiliency and wellbeing.
Key Features
Banking & Access
Includes debit card, online banking and check-writing.
Investment Options
This provider focuses on cash savings without investment options.
Security & Insurance
Deposits are FDIC/NCUA insured for your protection.
Account Details
No minimum balance to open. no account opening fees.
Fee Analysis
| Fee Type | This Provider | Industry Average | Verdict |
|---|---|---|---|
| Monthly Maintenance* | $2.00 | $0.69 | ABOVE AVG |
| Account Opening | $0.00 | $1.88 | EXCELLENT |
| Account Closing | $0.00 | $1.95 | EXCELLENT |
| HSA Adjustment Fee | $20.00 | N/A | -- |
| HSA Debit Card Replacement Fee | $10.00 | N/A | -- |
* Account Opening Fee
Industry averages calculated from 853 providers in the HSA Orbit database.
Investment Options
Savings-Only Account
Patelco Credit Union currently offers a savings-focused HSA without investment options. Your funds earn interest in a cash account.
Interest Rates
Standard Rates
| Balance Range | APY |
|---|---|
| $0 - $2,000 | 0.05% |
| $2,000 - $3,500 | 0.10% |
| $3,500+ | 0.25% |
Last updated: 01-13-2026
Contact Information
Address
24703 Amador St Hayward, CA 94544 Customer Service Mailing Address Patelco Credit Union PO Box 2227 Merced, CA 95344
Customer Service
800-358-8228
24703 Amador St Hayward, CA 94544 Customer Service Mailing Address Patelco Credit Union PO Box 2227 Merced, CA 95344
At a Glance
Pros & Cons
The Good
- •No account opening or closing fees
- •FDIC/NCUA insured deposits
The Bad
- •Monthly fee of $2.00
- •No investment options available
User Sentiment
Based on community feedback
Sentiment data coming soon
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