Advertiser disclosure: some links on this page earn us a commission. It never changes
what we publish, and it costs you nothing.
How we make money
Patelco Credit Union personal loans: APR, fees and requirements
What Patelco Credit Union publishes about its personal loans (6.99% to 17.9% APR), checked on the lender’s own pages, and how its starting rate compares with the other lenders on our list.
Lender type
Credit union
APR range
6.99% to 17.90%
Loan amounts
$300 to $100,000
Repayment terms
6 to 84 months
Origination fee
None
Minimum credit score
Not published
Funding time
Quick funding into your Patelco account (no specific time stated)
Availability
Amount minimums by term: 6-24 mo $300; 25-36 mo $2,000; 37-48 mo $4,000; 49-60 mo $8,000; 61-72 mo $15,000; 73-84 mo $20,000 (all up to $100,000).
How the lender states its rates: “Rates offered effective 10/01/2026 ... The APR range is 6.99% to 17.90% with terms available from 6 to 84 months.”
How the starting rate compares
The lowest advertised APR, 6.99%, ranks 8 of 33 among the lenders on our list (1 is the lowest). The Federal Reserve's average for a 24-month personal loan at commercial banks was 11.90% (August 2026). Only borrowers with strong credit get a lender's lowest rate.
Every article is checked against primary sources: the Consumer Financial Protection
Bureau, the Federal Reserve and issuer terms. When a number changes, we update the piece
and say when.
How we make money
Some pages contain partner links that may earn us a commission. This never changes what we publish and costs you nothing. No lender pays for placement or for a
better review, and nobody outside our editorial team sees a piece before it runs.
What we are not
Hub for Credit publishes independent information about credit cards, loans, and consumer finance. We are not a bank, a lender, or a card issuer, we do not extend credit, and we do not broker applications. Nothing here is personalized financial advice.