Rate Reset

Congratulations you're pre-approved!

At Patelco, we want to see you on the path to greater financial health. That’s why we offer credit cards and loans with low rates and no fees.

To review your options and details and to accept your pre-approval, simply enter your offer code in the space below. If you’re having trouble locating your special promo code, you’ll find it at the bottom of your offer letter or email. (Please note that if you received a pre-approval offer for a credit card and personal loan, these each have their own unique offer code.)

Enter your Offer Code

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Credit Cards: *APR=Annual Percentage Rate. Variable APR. Rate adjusts monthly and equals prime rate for previous month plus margin range based on credit worthiness. Applies to Purchases and Balance Transfers. Not all applicants will qualify for the lowest rate. Rates quoted assume excellent borrower credit history. This is a firm offer of credit. We selected you based on certain credit criteria. If you do not meet these criteria we may offer you a lower amount not less than $1000, or rescind the offer. Additional terms, conditions and exclusions apply. Please refer to your card’s Guide to Benefits for specific information. Personal Loans: *APR = Annual Percentage Rate. Not all applicants will qualify for the lowest rate. Rates quoted assume excellent borrower credit history. Our pre-approval of this personal loan is based on the assumption that you meet certain credit criteria we used to determine the offer amount. These criteria include your income level and other factors. If you do not meet these criteria, we may offer you a lower amount, not less than $1,000 or rescind the offer. Additional terms, conditions and exclusions apply.