When I walked into Patelco Credit Union three years ago, my credit score was 540 and I had 11 accounts in collections. I had no financial literacy. I didn’t know what ‘credit’ meant, nor did I know how to effectively repair my credit to attain my financial goals. At that time, my knowledge base as […]

At Patelco, our mission is to help members thrive through life’s financial challenges, and one member’s story highlights the power of personalized service. She had been consistently incurring a $13.23 monthly late fee due to a misaligned due date. By adjusting her payment schedule to match her income cycle, we eliminated those fees. The member […]

Jessie Hayes is passionate about helping people feel and look their best. After building her business, Skinphorea Facial Bar & Acne Clinic, from the ground up, she was ready to expand. But then the COVID-19 pandemic hit. Jessie urgently needed additional funds to fulfill inventory and brave the challenges of owning a small business during […]

A member came to me frustrated after 20 years in the United States without visible credit. He dreamed of owning a home but didn’t know where to start. We sat down together and talked through his options. I suggested he begin with a secured credit card and explained how to use it to build credit. […]

A young member walked into our branch feeling defeated. He’d just graduated high school and registered for college but missed the FAFSA deadline and needed $3,500 to cover his classes. With little employment or credit history, he wanted to try for a loan on his own before asking his parents. I listened to his story […]

Early one morning, 18-year-old Kadence was taking a familiar drive on her way to her job at a local animal shelter. Suddenly, three deer jumped out onto the road. Kadence swerved to avoid the first two but unfortunately hit the third. After pulling off the road and calling for help, she realized her car was […]