Patelco Credit Union

I heard really good things about Patelco from my co-​worker, Lisa. I decided to go to the Noriega branch to open up an account. When I arrived I was greeted by Mai. She was very pleasant. I would definitely give Mai a 5 stars for her professional service!!!
HOWEVER, my overall experience with the branch managers, Kevin Wong and this other guy was definitely horrible. Perhaps all these 4 stars rating are referring to the tellers!!! Unfortunately, I was unable to open an account with Patelco because I was unable to provide proof of residency at my current address, BUT I have proof of residency of my CONDO of which I used as my second residency address… I have provided my pay sub, 2015 w2, fidelity statement and bank statement with my CONDO address listed of which none of these proof of documents suffice just because the address is different from my current resident.
I have provided legitimate reasons why I don’t have any utility bills at my current resident because I paid a flat rate every month and my LANDLORD is the account holder for the all the utility accounts. I lived in an in-​law, my Landlord doesn’t speak english and she didnt provided me with a lease contract upon moving in, but I have been living here for the last two years and paid rent every month. Since I can’t provide proof of lease agreement for this address. I have requested for them to use my CONDO address since I have provided several proof documents and THEY STILL REJECTED ME!!! WTF!!!
I came home and I found two letters of which has my in-​law address… one is my TransAmerica Life Insurance letter of confirmation (this idiot branch manager asked me whats TransAmerica life insurance?) and a Mortage Loan letter of confirmation… STILL THEY REJECTED ME. REALLY??? OMG!
My pay sub (not showing off) show that I make over $ 100k a year… I told them that I want to transfer my money from Chase bank to their Bank… I told him how much I wanted to transfer BUT STILL THEY REJECTED ME DUE A FREAKING ADDRESS… AFTER ALL I WAS ABLE TO PROVIDE PROOF OF RESIDENCY… AND I STILL GOT REJECTED…
MR. KEVIN WONG WAS AN IDIOT — he said we will need to give you a call later… WHAT???
Ok… Here goes my wonderful experience at this branch…
HEY KEVIN WHY DON’T YOU LOOK UP TRANSAMERICA — TRY TO KEEP UP WITH LIFE INSURANCE! YOU’RE THE BRANCH MANAGER AFTER ALL RIGHT??? what a loser!

Very professional people working here. Wish other banks are like this. They make you feel welcome, excellent customer service. Thanks

Fair weather credit union. They’ll love your money, but don’t go to them when you need to borrow money. After 20 years of membership, it’s over for me. If they do what they have done to me to enough of their members, this credit union is sealing it’s fate.

I’ve never waited so long in one line at a bank anywhere, ever! I walked in to do a share branch transaction and there was already a line. The two tellers were presumably unavailable. Or maybe just slow? The line got so long, it was outside the door. I literally watched two people leave out of frustration. I’ve worked in financial institutions, and we never let the line get like that! What should’ve taken five minutes took 30. I think these tellers perhaps need some more training.

Friendly office. Fast service. On my recent visit, I needed to cancel my VISA card which had been used fraudulently and replace it with a new card. It took about 15 minutes.

never met such incompetence in my life. they have no communication with other branches and take way too long to approve loans. Twice now I lost out on buying a car b/​c the loan officers here cant get their shit right. Takes a week to get a check from them. I thought golden 1 was bad til i came here.

First time credit union customer of any kind. I chose Patelco because I heard of their name before and thought I give them a try. I almost went to San Francisco Fire Fighter CU due to their outstanding Unilocal reviews. But they were a quarter % higher than Patelco.
Kevin Wong, the brand manager, was the man! I applied for a loan for my new car and the process couldn’t be easier.
— Set me up for a Patelco account — $ 10.
— Collected all relevant info for the loan.
— Got me a $ 10k Visa CC as a backup. Even my Chase which I am long-​time customer of gave me a reluctant $ 6k.
— Got me the auto loan amount I asked for.
— No hoops to jump through.
— Set up my PIN for debt and CC card
— Walked me through the process of what to say/​ask when I get to dealership to finance my car.
— Paperwork was simple, just a few signatures.
— Will set up my auto-​payment.
With the outstanding service, why did i give them 4 instead of 5 stars? I would give them 4.5, but Unilocal doesn’t provide that. Reason for the slight deduction was how little of the loan’s terms and conditions was explained to me. But because of my rock solid credit score and job stability, I didn’t feel like I had a need to. However, for those that’s a first-​timer CU customer, I would have expected just a tad more spoon feeding of info.
I am also working with Mariann Skaggs on having them help me purchase my new car. If she is able to work her magic and get me the car I want at the price I asked for, then there is no doubt this review will be revised to be 7 stars, if allowed.
Bottom line, I highly recommend going to this branch! Don’t be discouraged by the Unilocal reviews! Go into this branch and experience it yourself.

I have been a Patelco customer for many years and I highly recommend them. When I need to go into a branch I usually use the Noriega location and I have found the people who work there to be very friendly and helpful.

Patelco has been a very good bank for me for over 10 years. They don’t have a lot of branches but they do a good job and everyone I have ever encountered has been knowledgeable and friendly. I have never had to correct or complain about anything. Their rates are very competitive and if you qualify (several ways to do this) you get a bunch of free services. I save about $ 100 a year. Their website is easy to use and has all the features I need, image check deposits, text alerts and full line item statements. Some complain about the buzzing in as some branches, I consider that a plus.

Love team here! Did fast and easy 1.99 APR car loan. I recommend Patelco to all my friends.

Patelco is a great place that individuals can setup an individual Health Savings account. Many financial institutions will not do this as there is not enough coin in it for them i. e, Fidelity, Schwab, TD Ameritrade etc
I would highly recommend that everyone that can, setup an HSA account as it is funded with pretax dollars and can be used whenever and for a wide array of Health needs when required.
Patelco makes it easy. Only downside is the rate of return is really bad (blame the fed for that) and they charge you a maintenance fee. You will be surprised how quickly you can build up a nice stash for your future.
word up!

This is my go-​to whenever I deposit my checks. Plus it’s the only branch I know in the city and the parking is not too crazy there in Noriega. Best private bank I have. No issues with Credit Union. :-)

I have a car loan from Patelco — after selling the car, came to the Sunset branch to pay the loan off and get the lien removal paperwork on a Saturday. Darren was extremely helpful and went out of his way to help me. This is what stellar customer service feels like. Employees at the other branches have been extremely helpful and professional in my interactions.
Highly recommended.

I’d give it a 0 stars if I could. Waited in line for over 20 minutes to cash a check from their union only to be told they would be charging me $ 10. Enough said.

Refinance Nightmare — Here is exactly what happened:
1. Filled out online REFI application (I have my home equity line of credit with these guys)
2. Spoke to rep about my existing relationship, gave account number for HELOC
3. Authorized Credit check — $ 30 on credit card
4. Passed credit check, no issues
5. Authorized Home appraisal ($ 575)
6. Passed home appraisal, no issues
7. Got a short note saying they did not like my credit check (I was late for one Patelco HELOC payment 3 months ago, have since paid off the HELOC)
Now I am out $ 575 and they could have told me that I was ineligible on the FIRST PHONE CALL. Fraud? Incompetence? Bad Process?
Be very careful!!!

This bank syncs with my Credit Union. Safe location, great parking

Been a member for 25 years, this is where I stash all my money. love it.
Their over draft protection saved my butt many times. Thanks for saving my good credit rating.
enough said, join up! you need to be invited… so find someone to recommend you

These 5 stars reflect the service I received with Rylan! He’s so excellent and made my experience great. I can rely on him for the service I expect from an establishment like Patelco. He’s quick and so helpful!
Thanks Rylan!!!

Ugh. The double doors are always locked from the outside. Like a fool, you jerk on the door and end up reeling back from the unexpected resistance. Then you stand there, again, like a fool, until one of the tellers notices you exist. One these two doors is always locked on the inside as well and when I am done banking I forget this EVERY DAMN TIME and I try to open the locked door, anyway. So I have no less than three foolish experiences with every visit. Still, this is a fraction of the whole banking experience, so I only subtract one star.
Oh– service? These folks are very friendly, efficient and attentive, hence them sometimes taking a while to realize when there is someone standing outside.

Came here before and opened up an account for a car loan a few years ago. Was denied for a $ 15k when I had more than that in another bank. Then after a few more days, the full $ 15k was approved.
Today I came in to apply for a home loan. First thing they told me was that they didn’t do application on site anymore. The branch manager was pushing me out the door so quickly he didn’t even want a copy of my tax return or anything I had in hand. But when he told me it was a $ 15 application fee, he got me out of there quickly.