Routing # 321076470

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A Patelco membership gives you more of what matters most. Discover the Patelco difference below.


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Back in 1936, with only $500 assets, a few employees at Pacific Telephone and Telegraph Company (now AT&T) had a dream to create a credit union. A fixture in the Bay Area since then, Patelco Credit Union is now a full-service, not-for-profit financial cooperative dedicated to helping our members and communities prosper. With $9 billion in assets and over 450,000 members nationwide, we are one of the largest credit unions in the nation. Although we’ve grown exponentially, our purpose remains with our members: Fueling hope and creating opportunities to build financial resiliency and wellbeing.

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How budgeting can lead you to more freedom Article Title End

Many people don’t love the word “budget”. It might make you think of restrictions and limits. But an effective budget is basically a plan for your money. And using a budget doesn’t mean you’re limiting yourself – it means you’re spending with a purpose, and moving towards meeting your goals.

A budget doesn’t limit your freedom — it gives you freedom! When you have a realistic budget, you have an action plan and clear picture of where your money goes. It’s part of the foundation for financial wellness.

Budgeting 101 Article Title End2

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Aliquam non commodo metus. Ut metus sapien, laoreet ut urna sed, dignissim gravida dui. Nullam venenatis magna nec mollis auctor. Donec id rutrum magna. Orci varius natoque penatibus et magnis dis parturient montes, nascetur ridiculus mus. Pellentesque ipsum enim, sagittis nec arcu in, consequat molestie leo. Mauris nec lorem pellentesque, iaculis felis ac, dapibus massa. Nam nibh lectus, vestibulum id sapien vitae, posuere gravida tellus. Nam vestibulum magna id sapien volutpat, ullamcorper consectetur risus ornare. Phasellus congue lorem elit, a lacinia eros consectetur ac. Sed egestas, felis non dictum condimentum, lectus nisi porta justo, eu rutrum turpis enim ac dui. Ut ut risus nulla. Quisque ut varius odio, a blandit nunc. Aenean vel purus scelerisque, auctor nunc tincidunt, tristique odio.

Credit scores & credit reports

Aliquam non commodo metus. Ut metus sapien, laoreet ut urna sed, dignissim gravida dui. Nullam venenatis magna nec mollis auctor. Donec id rutrum magna. Orci varius natoque penatibus et magnis dis parturient montes, nascetur ridiculus mus. Pellentesque ipsum enim, sagittis nec arcu in, consequat molestie leo. Mauris nec lorem pellentesque, iaculis felis ac, dapibus massa. Nam nibh lectus, vestibulum id sapien vitae, posuere gravida tellus. Nam vestibulum magna id sapien volutpat, ullamcorper consectetur risus ornare. Phasellus congue lorem elit, a lacinia eros consectetur ac. Sed egestas, felis non dictum condimentum, lectus nisi porta justo, eu rutrum turpis enim ac dui. Ut ut risus nulla. Quisque ut varius odio, a blandit nunc. Aenean vel purus scelerisque, auctor nunc tincidunt, tristique odio.

Quisque blandit interdum ante suscipit hendrerit. Mauris facilisis, nisi ut pellentesque vehicula, tellus urna tristique lectus, non ultricies odio nisi sed dui. Mauris fringilla libero ut feugiat varius. Cras mattis mattis pretium. Fusce eu fringilla arcu. Aliquam egestas felis fringilla ligula condimentum, ut dignissim justo rhoncus. Phasellus vitae sem leo. In hac habitasse platea dictumst. Nulla vehicula ante in turpis lobortis iaculis. Nunc vitae leo metus. Phasellus sed enim et nisi porta sodales. Praesent velit ante, malesuada et gravida ac, aliquet sit amet eros. Quisque eros dui, maximus id ipsum ac, finibus porta tortor. Nam pulvinar nisi fermentum, venenatis lectus quis, ultrices arcu. Phasellus placerat fermentum augue, in eleifend purus lobortis ac.

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Aliquam non commodo metus. Ut metus sapien, laoreet ut urna sed, dignissim gravida dui. Nullam venenatis magna nec mollis auctor. Donec id rutrum magna. Orci varius natoque penatibus et magnis dis parturient montes, nascetur ridiculus mus. Pellentesque ipsum enim, sagittis nec arcu in, consequat molestie leo. Mauris nec lorem pellentesque, iaculis felis ac, dapibus massa. Nam nibh lectus, vestibulum id sapien vitae, posuere gravida tellus. Nam vestibulum magna id sapien volutpat, ullamcorper consectetur risus ornare. Phasellus congue lorem elit, a lacinia eros consectetur ac. Sed egestas, felis non dictum condimentum, lectus nisi porta justo, eu rutrum turpis enim ac dui. Ut ut risus nulla. Quisque ut varius odio, a blandit nunc. Aenean vel purus scelerisque, auctor nunc tincidunt, tristique odio.

Quisque blandit interdum ante suscipit hendrerit. Mauris facilisis, nisi ut pellentesque vehicula, tellus urna tristique lectus, non ultricies odio nisi sed dui. Mauris fringilla libero ut feugiat varius. Cras mattis mattis pretium. Fusce eu fringilla arcu. Aliquam egestas felis fringilla ligula condimentum, ut dignissim justo rhoncus. Phasellus vitae sem leo. In hac habitasse platea dictumst. Nulla vehicula ante in turpis lobortis iaculis. Nunc vitae leo metus. Phasellus sed enim et nisi porta sodales. Praesent velit ante, malesuada et gravida ac, aliquet sit amet eros. Quisque eros dui, maximus id ipsum ac, finibus porta tortor. Nam pulvinar nisi fermentum, venenatis lectus quis, ultrices arcu. Phasellus placerat fermentum augue, in eleifend purus lobortis ac.

Branch Service Cont

Aliquam non commodo metus. Ut metus sapien, laoreet ut urna sed, dignissim gravida dui. Nullam venenatis magna nec mollis auctor. Donec id rutrum magna. Orci varius natoque penatibus et magnis dis parturient montes, nascetur ridiculus mus. Pellentesque ipsum enim, sagittis nec arcu in, consequat molestie leo. Mauris nec lorem pellentesque, iaculis felis ac, dapibus massa. Nam nibh lectus, vestibulum id sapien vitae, posuere gravida tellus. Nam vestibulum magna id sapien volutpat, ullamcorper consectetur risus ornare. Phasellus congue lorem elit, a lacinia eros consectetur ac. Sed egestas, felis non dictum condimentum, lectus nisi porta justo, eu rutrum turpis enim ac dui. Ut ut risus nulla. Quisque ut varius odio, a blandit nunc. Aenean vel purus scelerisque, auctor nunc tincidunt, tristique odio.

Quisque blandit interdum ante suscipit hendrerit. Mauris facilisis, nisi ut pellentesque vehicula, tellus urna tristique lectus, non ultricies odio nisi sed dui. Mauris fringilla libero ut feugiat varius. Cras mattis mattis pretium. Fusce eu fringilla arcu. Aliquam egestas felis fringilla ligula condimentum, ut dignissim justo rhoncus. Phasellus vitae sem leo. In hac habitasse platea dictumst. Nulla vehicula ante in turpis lobortis iaculis. Nunc vitae leo metus. Phasellus sed enim et nisi porta sodales. Praesent velit ante, malesuada et gravida ac, aliquet sit amet eros. Quisque eros dui, maximus id ipsum ac, finibus porta tortor. Nam pulvinar nisi fermentum, venenatis lectus quis, ultrices arcu. Phasellus placerat fermentum augue, in eleifend purus lobortis ac.

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    Aliquam non commodo metus. Ut metus sapien, laoreet ut urna sed, dignissim gravida dui. Nullam venenatis magna nec mollis auctor. Donec id rutrum magna. Orci varius natoque penatibus et magnis dis parturient montes, nascetur ridiculus mus. Pellentesque ipsum enim, sagittis nec arcu in, consequat molestie leo. Mauris nec lorem pellentesque, iaculis felis ac, dapibus massa. Nam nibh lectus, vestibulum id sapien vitae, posuere gravida tellus. Nam vestibulum magna id sapien volutpat, ullamcorper consectetur risus ornare. Phasellus congue lorem elit, a lacinia eros consectetur ac. Sed egestas, felis non dictum condimentum, lectus nisi porta justo, eu rutrum turpis enim ac dui. Ut ut risus nulla. Quisque ut varius odio, a blandit nunc. Aenean vel purus scelerisque, auctor nunc tincidunt, tristique odio.

Box Services

Plus Checking

A one-of-a-kind checking account with exceptional benefits and discounts.

Interest Checking

Earn interest on an everyday account and easily waive the monthly fee.

Service Benefits

ATMs Galore

30,000+ Fee-free ATMs nationwide

Debit Mastercard®

The convenient and secure way to pay in
person or online

Get Paid Early with Direct Deposit1

Set up direct deposit to your checking account and access your funds up to two days early

Mastercard© ID Theft Protection™

No-cost personal information protection with your debit Mastercard® for checking accounts

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Securely log in to Patelco Online or our easy-to-use app to check account balances and FICO® score for free, send money, pay bills, make a mobile deposit, set up account alerts, and more. Get started today with Patelco Online™ or our top-rated Mobile App.2

Kitchen Sink

FAQ Component

1 Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date.

2 Source: Over 22,000 five-star reviews on the App Store.

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Your Patelco checking account comes with a free Debit Mastercard® that lets you make purchases easily and securely:

  • Secure, contactless purchases with Debit Mastercard
  • Load your card to Apple Pay®, Google Pay®, or Samsung Pay®
  • Zero Liability and Extended Warranty on purchases
  • Mastercard Global Service™ emergency card replacement
  • Overdraft link to a credit line or a Patelco account and pay no fees

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Meet Patelco members as they share their Patelco love story.

FAQ Second

    My name is Jerry. I’ve been a Patelco member for 15 years. They gave me the best advice without looking for personal gain.
    My name is Angela. I’m currently refinancing my car with Patelco. I’m also using their checking and savings.
    My name is Aki. If I think about it over the course of 22 years, I’ve probably saved thousands of dollars in fees.
    My name is Elmer. Patelco is part of my financial strategy. It’s just easy.

Rate TablesComonent

Rates Effective 09/26/2023

Card TypeAmount

APR Range1

Range of APR4

17972Credit Cards-Pure MastercardPure Mastercard®$300 - $50,00011.75% to 18.95%11.7511.20109/26/2023$90,000
18284Credit Cards-Points Rewards World MastercardPoints Rewards World Mastercard®$300 - $50,00013.40% to 21.90%12.913.4209/26/2023
18300Credit Cards-Progress Student Rewards MastercardProgress Student Rewards Mastercard®$300 - $5,00013.40% to 21.90%13.4013.40309/26/2023$50,000
18308Credit Cards-Pure-Secured MastercardPure Secured Mastercard®$300 - $10,00011.45%11.4511.75409/26/2023$10,000
Personal Finance

TurboTax Discount

Patelco members save up to $20 when filing federal taxes with TurboTax.

Auto Buying

AutoSMARTDiscount

Put yourself in the driver’s seat with a better car buying experience.

Auto Buying

Enterprise Car Sales

Save big with a certified used vehicle from Enterprise. Patelco members receive a 1.00% APR discount.

Estate Planning Services

Everyone needs an estate plan, regardless of age, assets, or stage of life. It’s why we’ve partnered with Trust & Will to offer our members 25% off the estate plan of their choice.

Service Benefits Sec

Cost savings

No monthly fees or minimum balances for Savings, Interest or Free Checking, Health Savings Accounts, cashier’s checks and domestic wire transfers4

Convenience

No monthly fees or minimum balances for Savings, Interest or Free Checking, Health Savings Accounts, cashier’s checks and domestic wire transfers4

Loan discounts

0.10% new consumer loan rate discount and access to limited-time special offers4

Financial Advisors

Darryl Hall, CRPC®

Financial Advisor

CUSO Financial Services, L.P.1

Gold Pacesetter, Hall of Fame Producer

Darryl Hall, Chartered Retirement Planning CounselorSM,  believes that setting and achieving goals is not about luck, it's about seeking experienced investment advice, establishing confidence, creating a strategy, and relying on teamwork. By using a pragmatic and practical approach, he helps his clients achieve that balance - providing an educational viewpoint.

"It's important to personalize strategies and ensure follow-through to meet each client's unique needs. Since 2000, I've had the opportunity to analyze and review client assets, provide thorough recommendations, and offer valuable second opinions."

Darryl customizes investment plans for his clients. He has the experience and knowledge level necessary to help clients in the accumulation phase and retirement income phase. He also specializes in tax-advantaged investing, estate planning, and leaving a legacy.

Service Area:

Citrus Heights, Elk Grove, Folsom, Roseville, Sacramento

Contact Info:

dhall@patelco.org

Phone:916.683.8404

Mobile:916.397.6134

Fax: 925.847.1919

1300 E. Bidwell St. #155, Folsom, CA 95630

CA Insurance License: 0D10437

Request an Appointment

Darryl Hall, Chartered Retirement Planning CounselorSM,  believes that setting and achieving goals is not about luck, it's about seeking experienced investment advice, establishing confidence, creating a strategy, and relying on teamwork. By using a pragmatic and practical approach, he helps his clients achieve that balance - providing an educational viewpoint.

"It's important to personalize strategies and ensure follow-through to meet each client's unique needs. Since 2000, I've had the opportunity to analyze and review client assets, provide thorough recommendations, and offer valuable second opinions."

Darryl customizes investment plans for his clients. He has the experience and knowledge level necessary to help clients in the accumulation phase and retirement income phase. He also specializes in tax-advantaged investing, estate planning, and leaving a legacy.

JR Pablo, CFP®

Financial Advisor

CUSO Financial Services, L.P.1

Gold Pacesetter, Hall of Fame Producer

JR is a Certified Financial Planner™ who has built a solid reputation on caring about his clients by formulating a plan, choosing investments around that plan, and tracking and monitoring those investments over time. When clients come to him for advice and planning, they experience a financial advisor who cares about creating a full-service financial plan that makes sense.

"I recommend tailor-made strategies and plans based on each client's unique situation. I do this to best help Patelco members reach their financial goals."

He is always focused on the client's individual needs, bringing value to any client who seeks his experience, including retirement planning, intergenerational asset management, as well as tax-advantaged investing. Knowledgeable about many investment opportunities, he specializes in the analysis and review of existing client assets and providing valuable second opinions.

Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, Certified Financial Planner™ and federally registered CFP (with flame design) in the U.S., which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.

Service Area:

Danville, San Ramon - City Center

Contact Info:

jrpablo@patelco.org

Phone:925.855.2409

Mobile:925.785.9487

Fax: 925.847.1919

310 Hartz Ave., Danville, CA 94526

CA Insurance License: 0D53333

Request an Appointment

JR is a Certified Financial Planner™ who has built a solid reputation on caring about his clients by formulating a plan, choosing investments around that plan, and tracking and monitoring those investments over time. When clients come to him for advice and planning, they experience a financial advisor who cares about creating a full-service financial plan that makes sense.

"I recommend tailor-made strategies and plans based on each client's unique situation. I do this to best help Patelco members reach their financial goals."

He is always focused on the client's individual needs, bringing value to any client who seeks his experience, including retirement planning, intergenerational asset management, as well as tax-advantaged investing. Knowledgeable about many investment opportunities, he specializes in the analysis and review of existing client assets and providing valuable second opinions.

Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, Certified Financial Planner™ and federally registered CFP (with flame design) in the U.S., which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.

Jane Krueger, CFP®

Financial Advisor

CUSO Financial Services, L.P.1

Gold Pacesetter

Confidence is vital when helping someone with their financial goals. Jane Krueger, a CERTIFIED FINANCIAL PLANNER™, understands and respects that need. She has been advising clients on their investment and retirement needs for over two decades. Jane specializes in the analysis of client portfolios, giving an honest and unbiased evaluation of every situation - creating a customized retirement plan for clients to implement.

"Patelco members want to know how to reach their goals. Then they want someone to help them take action. I'm here to help change lives with action rather than procrastination."

By using a goal-oriented approach, her clients are presented with strategies for growth, preservation of assets, retirement income, and long-term care solutions.

Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, Certified Financial Planner™ and federally registered CFP (with flame design) in the U.S., which it awards to individuals who successfully complete CFP Board's initial and ongoing certification requirements.

Service Area:

San Francisco, Oakland

Contact Info:

jane.krueger@patelco.org

Phone:415.442.7193

Fax: 415.778.2762

124 2nd Street, San Francisco, CA 94105

CA Insurance License: 0C14959

Request an Appointment

Confidence is vital when helping someone with their financial goals. Jane Krueger, a CERTIFIED FINANCIAL PLANNER™, understands and respects that need. She has been advising clients on their investment and retirement needs for over two decades. Jane specializes in the analysis of client portfolios, giving an honest and unbiased evaluation of every situation - creating a customized retirement plan for clients to implement.

"Patelco members want to know how to reach their goals. Then they want someone to help them take action. I'm here to help change lives with action rather than procrastination."

By using a goal-oriented approach, her clients are presented with strategies for growth, preservation of assets, retirement income, and long-term care solutions.

Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, Certified Financial Planner™ and federally registered CFP (with flame design) in the U.S., which it awards to individuals who successfully complete CFP Board's initial and ongoing certification requirements.

Nancy Martinez

Financial Advisor

CUSO Financial Services, L.P.1

Gold Pacesetter

As a CFS Financial Advisor, Nancy Martinez is passionate about helping clients and their families achieve their financial goals. She starts each relationship with an in-depth client profile meeting, reviewing current savings and investment plans, as well as gaining a solid understanding of their long- and short-term financial objectives. Nancy uses that information to craft a detailed financial strategy.

“Patelco members appreciate that I’m here to guide them through the financial planning process. When I can help them build a plan they can commit to and understand, I know I’ve done my job as their advisor. That’s when we become partners in the process.”

Because every client has different financial needs, Nancy is proud to provide the skill and knowledge necessary to plan toward their future, including educating clients about the many investment options available today. She’s dedicated to working with clients to build a comfortable, customized plan that provides a solid financial solution.

Service Area:

Daly City, San Mateo, SF Sunset/Noriega, San Bruno

Contact Info:

nmartinez@patelco.org

Phone:650.827.8715

Fax: 925.847.1919

1050 Admiral Ct. Suite F, San Bruno, CA 94066

CA Insurance License: 0H51392

Hablo Español

Request an Appointment

As a CFS Financial Advisor, Nancy Martinez is passionate about helping clients and their families achieve their financial goals. She starts each relationship with an in-depth client profile meeting, reviewing current savings and investment plans, as well as gaining a solid understanding of their long- and short-term financial objectives. Nancy uses that information to craft a detailed financial strategy.

“Patelco members appreciate that I’m here to guide them through the financial planning process. When I can help them build a plan they can commit to and understand, I know I’ve done my job as their advisor. That’s when we become partners in the process.”

Because every client has different financial needs, Nancy is proud to provide the skill and knowledge necessary to plan toward their future, including educating clients about the many investment options available today. She’s dedicated to working with clients to build a comfortable, customized plan that provides a solid financial solution.

Hector Siqueiros

Financial Advisor

CUSO Financial Services, L.P.1

With nearly 20 years of financial services experience, Hector is committed to being a partner to his clients. He takes the time to listen and understand his clients' goals and needs. He provides comprehensive, personalized recommendations and helps ensure his clients fully understand their options before moving forward.

"I believe that every client deserves effective and responsive service, and has a right to expect it from me as their financial advisor. I maintain high personal standards for serving each client and assisting to guide them to solutions that meet their unique financial goals."

Hector takes pride in building long-term relationships, and helping clients to plan their entire financial lives, not just their immediate investment needs. He graduated from Santa Clara University, Leavey School of Business, with a B.S. in Finance.

Service Area:

Brentwood, Castro Valley, Dublin, Fremont, Livermore, Pleasanton

Contact Info:

hsiqueiros@patelco.org

Phone:510.784.5036

Mobile:408.858.2991

3 Park Place, Dublin, CA 94568

CA Insurance License: 0B31176

Hablo Español

Request an Appointment

With nearly 20 years of financial services experience, Hector is committed to being a partner to his clients. He takes the time to listen and understand his clients' goals and needs. He provides comprehensive, personalized recommendations and helps ensure his clients fully understand their options before moving forward.

"I believe that every client deserves effective and responsive service, and has a right to expect it from me as their financial advisor. I maintain high personal standards for serving each client and assisting to guide them to solutions that meet their unique financial goals."

Hector takes pride in building long-term relationships, and helping clients to plan their entire financial lives, not just their immediate investment needs. He graduated from Santa Clara University, Leavey School of Business, with a B.S. in Finance.

Jay Long

Financial Advisor

CUSO Financial Services, L.P.1

As a seasoned professional, Jay Long is keenly aware that timing and a hands-on approach to investing is essential in today's world of investments. With nearly 30 years of experience, Jay provides a comprehensive perspective to manage a client's financial plans across both up and down markets. He enjoys helping them understand and plan their personal road to retirement and beyond – to the years during retirement.

"I'm honored to be here to help Patelco members find the answers they need to plan for and enjoy their retirement years."

Over the last three decades, Jay has earned the confidence and admiration from countless clients. He understands that everyone's risk tolerances and investment goals are unique. Employing an informed and time-tested perspective for every client relationship, Jay educates families and individuals to help them chart a path toward success.

Service Area:

Concord, Lafayette, Walnut Creek, Fairfield

Contact Info:

jlong@patelco.org

Phone:925.327.2333

Fax: 925.227.6382

3498 Mt Diablo Blvd Suite A, Lafayette, CA 94549

CA Insurance License: 0E85709

Request an Appointment

As a seasoned professional, Jay Long is keenly aware that timing and a hands-on approach to investing is essential in today's world of investments. With nearly 30 years of experience, Jay provides a comprehensive perspective to manage a client's financial plans across both up and down markets. He enjoys helping them understand and plan their personal road to retirement and beyond – to the years during retirement.

"I'm honored to be here to help Patelco members find the answers they need to plan for and enjoy their retirement years."

Over the last three decades, Jay has earned the confidence and admiration from countless clients. He understands that everyone's risk tolerances and investment goals are unique. Employing an informed and time-tested perspective for every client relationship, Jay educates families and individuals to help them chart a path toward success.

John Borbon

Financial Advisor

CUSO Financial Services, L.P.1

John Borbon builds life-long relationships with his clients in order to deliver a full-service customer experience - combining personal attention, financial planning, and retirement advice.

"I strive to help each of my clients plan for their financial future through comprehensive analysis with their goals in mind. My passion is for educating clients about investing and retirement planning and ultimately making a difference in their lives."

John firmly believes each investor is unique, and investing is very personal. With the highest level of professional integrity, John recommends tailor-made strategies based on each client's individual situation to help them reach their financial goals.

Service Area:

Danville, Hayward, San Leandro, San Ramon – City Center

Contact Info:

jborbon@patelco.org

Phone:925.855.2408

Fax: 925.847.1919

310 Hartz Ave, Danville, CA 94526

CA Insurance License: 0J14617

Request an Appointment

John Borbon builds life-long relationships with his clients in order to deliver a full-service customer experience - combining personal attention, financial planning, and retirement advice.

"I strive to help each of my clients plan for their financial future through comprehensive analysis with their goals in mind. My passion is for educating clients about investing and retirement planning and ultimately making a difference in their lives."

John firmly believes each investor is unique, and investing is very personal. With the highest level of professional integrity, John recommends tailor-made strategies based on each client's individual situation to help them reach their financial goals.

Leif Tinsley

Financial Advisor

CUSO Financial Services, L.P.1

Leif Tinsley's goal is to make a difference in his clients' lives. Early in his career, he learned that developing relationships and trust is integral to financial advising. He meets each client from the perspective of "how can we work together to give you confidence and success within your investment goals".

Helping clients realize their financial goals is a top priority. Whether clients are accumulating wealth, planning for a major expense, or nearing retirement, he assists in guiding them to solutions that fit the stage they are in with a long-term plan always in mind.

His strengths are listening and being aware of his clients' needs, while at the same time explaining and helping them feel comfortable along the way. With many years of’ experience in financial services, Leif Tinsley is a problem solver that cares about his clients' financial future.

Service Area:

Novato, Rohnert Park, Santa Rosa

Contact Info:

ltinsley@patelco.org

Phone:707.573.7885

Fax: 925.847.1954

1965 Cleveland Ave., Santa Rosa, CA 95401

CA Insurance License: 0L71317

Request an Appointment

Leif Tinsley's goal is to make a difference in his clients' lives. Early in his career, he learned that developing relationships and trust is integral to financial advising. He meets each client from the perspective of "how can we work together to give you confidence and success within your investment goals".

Helping clients realize their financial goals is a top priority. Whether clients are accumulating wealth, planning for a major expense, or nearing retirement, he assists in guiding them to solutions that fit the stage they are in with a long-term plan always in mind.

His strengths are listening and being aware of his clients' needs, while at the same time explaining and helping them feel comfortable along the way. With many years of’ experience in financial services, Leif Tinsley is a problem solver that cares about his clients' financial future.

Mani Budwal

Financial Advisor

CUSO Financial Services, L.P.1

Mani Budwal brings a breadth of experience to investments and financial planning. His diverse background and training enables him to help clients pursue their long and short-term financial goals through comprehensive, individualized financial planning.


“I’m a big believer in awareness and education. I find that Patelco members often times don’t know about the kind of solutions that are available for them to help achieve their goals. It brings me a lot of happiness to financially educate our members and know that I have impacted them and their family's lives for the better.”


Mani believes that a client-focused approach to financial planning helps to ensure that recommended solutions encompass each client's goals, time horizon and risk tolerance. He specializes in investment analysis and works closely with his clients to develop a customized financial strategy that they are comfortable embracing.

Service Area:

Milpitas, Sunnyvale, Campbell, Redwood City, Santa Clara, San Jose - Almaden, San Jose - East

Contact Info:

mbudwal@patelco.org

Phone:408.541.3705

Fax: 925.847.1919

332 W El Camino Real, Sunnyvale, CA 94087

CA Insurance License: 0K91624

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Mani Budwal brings a breadth of experience to investments and financial planning. His diverse background and training enables him to help clients pursue their long and short-term financial goals through comprehensive, individualized financial planning.


“I’m a big believer in awareness and education. I find that Patelco members often times don’t know about the kind of solutions that are available for them to help achieve their goals. It brings me a lot of happiness to financially educate our members and know that I have impacted them and their family's lives for the better.”


Mani believes that a client-focused approach to financial planning helps to ensure that recommended solutions encompass each client's goals, time horizon and risk tolerance. He specializes in investment analysis and works closely with his clients to develop a customized financial strategy that they are comfortable embracing.

Sebastien Tomescu

Financial Advisor

CUSO Financial Services, L.P.1

With nearly 10 years of credit union experience, Sebastien has a passion for helping Patelco members achieve financial wellness. He is equipped with a full range of financial planning strategies tailored to each person's unique circumstances. He develops deep, long-term relationships and will carefully assess each member's risk tolerance and time horizon to help them make informed investment decisions.

"My goal is to ensure our members spend less time concentrating on the financial aspect of their lives and more time pursuing the things that matter most to them."

Sebastien has many years of comprehensive financial background experience and looks forward to meeting you and learning about your needs and aspirations.

Service Area:

Fairfield, Lafayette, Concord, Walnut Creek, Berkeley

Contact Info:

sebastien.tomescu@patelco.org

Phone:707.399.1968

Fax: 925.847.1919

3101 Travis Blvd. Suite A, Fairfield, CA 94534

CA Insurance License: 4038951

Request an Appointment

With nearly 10 years of credit union experience, Sebastien has a passion for helping Patelco members achieve financial wellness. He is equipped with a full range of financial planning strategies tailored to each person's unique circumstances. He develops deep, long-term relationships and will carefully assess each member's risk tolerance and time horizon to help them make informed investment decisions.

"My goal is to ensure our members spend less time concentrating on the financial aspect of their lives and more time pursuing the things that matter most to them."

Sebastien has many years of comprehensive financial background experience and looks forward to meeting you and learning about your needs and aspirations.

Madeline Siano-Portillo

Financial Associate

CUSO Financial Services, L.P.1

Madeline Siano

Contact Info:

msiano@patelco.org

Phone:510-728-2212

, ,

Angie Prasad

Financial Associate

CUSO Financial Services, L.P.1

Picture of Angie Prasad, Financial Associate, CUSO.

Contact Info:

aprasad@patelco.org

Phone:925.598.3955

Carlina Phan

Licensed Financial Associate

CUSO Financial Services, L.P.1

Carlina Phan, a Licensed Financial Associate with CUSO Financial Services.

Contact Info:

cphan@patelco.org

Phone:925.460.4657

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CA Insurance License: 4023912

Coreen Woehl

Licensed Financial Associate

CUSO Financial Services, L.P.1

Coreen Woehl, a Financial Associate with CUSO Financial Services.

Contact Info:

cwoehl@patelco.org

Phone:916.864.5950

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CA Insurance License: 4243180

Sandra Gonzalez

Licensed Financial Associate

CUSO Financial Services, L.P.1

Picture of Sandra Gonzalez, Financial Associate, CUSO.

Contact Info:

sgonzalez@patelco.org

Phone:925.460.4642

, ,

CA Insurance License: 0I76450

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Virtual Branch Team

Jose

Patelco Virtual Branch™ Assistant Branch Manager

Serving members since 2016

Hemali Mehta

Jessica

Patelco Virtual Branch™ Assistant Branch Manager

Serving members since 2016

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I was blown away to find out that even while I’m traveling, I can still be helped by someone live. Patelco is the future of banking!

Krystal
I was blown away to find out that even while I’m traveling, I can still be helped by someone live. Patelco is the future of banking!

Great customer service. A representative walked me through the entire process virtually. I haven't found doing business that easy with anyone else.

Ramesh
Great customer service. A representative walked me through the entire process virtually. I haven’t found doing business that easy with anyone else.

I love that I don't have to go to the branch to take care of questions and get forms that I need. It was very helpful to have a live person.

Jane
I love that I don’t have to go to the branch to take care of questions and get forms that I need. It was very helpful to have a live person.

Patelco member Krystal repots a plant in her garden.
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Patelco member Jane gets a kiss on the cheek from her son.

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I absolutely love Patelco Credit Union! They are some of the most knowledgeable, helpful, and kind people I’ve met at a bank. I feel very comfortable talking about my finances with them. If you decide to go to a credit union, this should be your choice!” – Dylan S, Patelco member

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