Patelco Credit Union

I went to this Patelco to deposit my first paycheck from my new job. The lady who serviced me deposited it – and put an extended hold on it. I didn’t think anything of it until I went to my home Patelco, where I asked when the check would clear and the teller looked at me oddly. «Paychecks don’t usually get extended holds, and your account is in good standing. I don’t know why she did that.»
Now I would have understood placing a hold on a personal check. But a paycheck? If she wasn’t sure about the company, all she had to do was ask me for the pay stub, which I still had in my purse (and the second teller had the presence of mind to request). I can’t afford week long delays to my deposits; I, like everyone else, have bills to pay. This is the first time I’ve ever had an experience like that at a Patelco, and I won’t be going back there.

Came in to apply for a car loan. I was in and out in a reasonable time. I spoke with Rich and he was very informative and answered the hundreds of questions I fired at him. He gave me a check list of the documents I had to bring in and told me what to expect. So the process was a lot easier and hassle free than I expected.
Definitely recommend coming in.

What a great banking experience. I was looking to open up a checking and savings account to strictly use for my vacation funds and it could not have been any simpler to open. Mani worked with me in opening an account and was as helpful as he was friendly. He got me through the process very quick and all while providing a spirited conversation about the San Francisco Giants (GO GIANTS)! If you have banking needs and are looking for a new bank/​credit union, go to Patelco and ask for Mani!
I would give it 5 stars but Mani was a 49ers fan (boo!)

Richie lim is the best he made my loan so smooth and even when I was denied my Loan at another patelco branch I called him and he was on it… Thanks Richie go to him his the man to work with!

Nancy is the one who made me really like this branch near my house.
She is ALWAYS smiling, happy, and sincere.
I see her as management material and trustworthy for more respocibilites and deserves more than what ever she makes.
Shes the teller i look forward to seeing when i go in.

Michael Tran the Branch Manager is amazing. The staff is great. I originally belonged to another credit union but I make my deposits at this branch. Nancy has always been so friendly to me and knows me by first name.
A few weeks ago I bought my husband a new car Audi A6. The dealership gave us a 3.9% interest rate. My husband and I both have good credit and we were not able to get a better deal with the dealership. So I went to Patelco to make a deposit and I stopped and spoke to Michael within 15 minutes we were approved for 1.9% I was so happy. If that wasn’t enough I opened a new credit card and transferred my other credit cards over with a 0% for the 1^st year. It doesn’t get better than this. During my horrible experience with Stevens Creek Audi Michael was off for a day. He was so kind and informed me he would be off but that Richie would take care of me while he was out. Who does that? No bank I know only Michael at Patelco and the rest of the team.

Stay away from the auto buying service its a joke. You can get a better deal just going to the dealer and avoiding brokers fee’s.

Michael Tran (Branch Manager) and his staff here are awesome! They are friendly, professional, polite and fast!
I came by right before New Years seeking to get a cheaper interest rate loan from Patelco for Toyota Auto Loan. Like other Unilocalers stated, I liked that this place isn’t crowded so upon stepping in Michael assisted me right away. He is very friendly and professional. I appreciate that he is a car enthusiast and knew exactly what he was talking about when he was giving me options for my car loan. Helping me get set up from scratch took about an hour. After my Toyota loan monthly payment cleared, I came in this morning to finalize my loan with Patelco. Once again Michael was there to greet me upon walking in along with Nancy. I couldn’t believe the interest rate they were approving me for! I now regret not going to Patelco before to get a pre-​approved loan when I purchased my Camry. This again took about an hour but it didn’t feel that long because Nancy (Michael is training her on how to do loans) kept me company with small talks. All in all, this place should be your go-​to place for car loans!
The staff knew the customers walking in by their first name! I’ve never seen that at Wells Fargo or BofA!

great car loan rates. got my tahoe financed here! Everything was great including my rate!

Patelco are like other banks. They can rob you with hidden fees and will make sure that you won’t notice them

I went in here a little nervous, after having the worst banking experience of my life at the Milpitas branch. The gentleman that helped me with my situation was very pleasant and efficient in resolving a deposit issue I had been having. I love that they have a little spot for my little one to cause a ruckus… oh and coffee and TEA! I don’t drink coffee, but I love tea. It was such a relief to walk out of there satisfied and treated with respect.

Financially crippling! I did not have ATM access to my money for 3 weeks because of this branch and their LACK of customer service. Go to a credit union that has branches close to you and will offer some real service.

Poor management. That is what causes the terrible service and scary practices. I would be very concerned if anyone banked at this particular location.

Ok so this is the second time I’ve been at this branch when I need to go to an actually Patelco in the SJ area. As always when I get here there is plenty of staff that is really not doing much since it is fairly empty. So I’m thinking wow I will be out of here pretty quick. Nope not really. In all the years I’ve went to Patelco, over 16 years or so; I’ve never had them ask for my id when making a deposit unless it was for a very large sum of money that involved many checks. Well I’ve noticed everytime I go to this branch they ask for my id, which doesn’t bug me too much, just a little but then they tell me they are updating their info. Well I can update my info on via the web which I’ve done, but they go through a series of questions where I’m thinking wow do I really have to do this now? I guess because they have nothing better to do, they can just take their time.
Here is the strange thing. Normally when they take your deposit they stamp it and place it in the drawer before they give you a receipt. Angela did not do this and I thought that was a little strange. Then again there wasn’t anyone behind me, so it’s not like had anything pressing at the moment.