STCU vs Patelco — Head-to-head 2025

Detailed comparison for families: membership, rates, fees, digital banking, branches, and real-world suitability. Use our quick tools and FAQs to decide which credit union fits your household needs.

Focus areas: savings APY, auto loan offers, mortgage experience, family accounts and youth programs.
Includes calculator and an FAQ from advisers.

See comparison table Open calculator

Membership & Accessibility

STCU: regional focus with field of membership rules. Patelco: broader eligibility through employer/groups and open membership options.

Rates & Fees

Both credit unions are competitive on savings and auto loans. Differences appear in fee waivers and overdraft policies — check account fine print.

Savings APY Auto loans

Digital banking

Patelco is known for a mature mobile app; STCU provides solid online tools and community-focused service. Evaluate mobile deposit speed and bill pay limits.

Quick comparison table

Feature	STCU	Patelco	Notes
Headquarters / Reach	Spokane, WA / Pacific Northwest	California / West Coast & national membership	Patelco often easier for out-of-state members
Membership	Community & employer-based	Employer/groups + open join options	Patelco has wider eligibility paths
Online & Mobile	Strong	Excellent	Both provide apps; Patelco praised for UX
Checking APY / Savings	Competitive	Competitive	Rates vary — check current offers
Auto loan rates	Low-to-mid	Low	Rate may depend on membership loyalty
Mortgage options	In-house & partners	In-house & brokers	Availability and underwriting differ by state
Fees & Overdraft	Low fees; member-friendly	Low fees; several fee-waiver options	Read fee schedule carefully
Customer service	Local branches & phone support	Strong call center & digital support	Local branch access matters for some families

Tip: Use account simulators and speak to advisers for custom rate quotes.

Loan monthly payment calculator

Estimate monthly payment for a family auto loan or personal loan.

Principal amount (USD)

APR (%)

Term (years)

Estimated monthly payment

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This is an estimate. Actual rates and fees vary by credit union and credit profile.

Frequently asked questions

Yes — if you meet each credit union's membership eligibility. Many members join multiple CUs to access different products.

Both offer competitive auto rates. Patelco often advertises low rates online; STCU may offer targeted promotions. Compare live quotes for accuracy.

Many checking accounts have fee-waiver conditions (direct deposit, minimum balance). Both credit unions provide family-friendly options with fee waivers.

Consider branch access, membership eligibility, specific product rates, and digital experience. Use our comparison and contact advisors for quotes.