Weekdays | 10am - 5pm |
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Saturdays | Closed |
Brenda Valenzuela
Redwood City Branch Manager
Cecelia is powering home ownership dreams, one home at a time.
With over 30 years at Patelco, she is a dedicated home loan consultant, specializing in turning aspirations into realities. She helps members navigate the complex landscape of mortgage financing with expertise and care.
Her personalized guidance is tailored to each client’s unique needs and financial goals whether refinancing or purchasing. She strives to make the home buying journey smooth and rewarding. Unlock your door to your new beginning with Cecilia.
Mani Budwal
Financial Advisor
CUSO Financial Services, L.P.1
CA Insurance License: 0K91624
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.
Manage your everyday spending and access online banking tools that are tailored to you. Open a checking account today.
Explore a range of savings and money market accounts. Start earning when you open a savings account.
Credit cards with everyday low rates and $0 balance transfer fees, and personal loans to pay off high interest debt or other expenses.
Explore competitive rates on new or used car loans, and save on payments when you refinance your current auto loan.
Home loans for any need, with flexible lending options for new and existing homeowners. Refinance your existing mortgage to reduce payments or take cash out.
Personalized strategies, tools and expertise to help you along your financial journey. Learn more about our investing and financial planning services.
1 APR (Annual Percentage Rate). New Auto rates starting at 6.04% APR effective 11/08/2024; subject to change without notice. Patelco offers a range of base rates and discounts that depend on factors such as credit history, loan term, Patelco account relationship, vehicle mileage, amount financed and vehicle age. Additional discounts may apply. Actual rates are disclosed to approved applicants in writing prior to loan consummation and may be as high as 17.99% APR. To learn more about rates, terms, and exclusive discounts for members, such as Commitment Household, call 800.358.8228 or visit any Patelco branch. New Auto loan payment example: $23.68 per month per $1000 borrowed at 6.29% APR for 48 months.
2 APY=Annual Percentage Yield. Rates are effective as of 08/01/2024 and are subject to change before or after account opening without notice. Rates vary by tier and apply to the full balance. The following variable interest rates will apply to your account balance: 4.50% APY on balances of $250,000.00 or greater, 4.00% APY on balances between $100,000.00 and $249,999.99, 3.51% APY on balances between $50,000.00 and $99,999.99, 3.00% APY on balances up to $49,999.99. In order to attain high interest rates, the account must meet the eligibility requirements, that is a Patelco checking account (opened under the same Member Number) with a total monthly deposit of $500 or more. If the account fails to meet eligibility, the lower interest rate of 0.05% will be defaulted for that month. Qualifying deposit transactions include: Payroll direct deposits, Social Security (or other government benefit) direct deposits, ACH transfers, Zelle®, Venmo, PayPal or other similar deposits, cash deposits, check deposits (except checks written from another Patelco account), wire transfers, multiple deposits (of the types listed above) that add up to at least $500 in a calendar month. Qualifying deposit transactions do not include Patelco account to Patelco account transfers, chargebacks, or promotional incentive payments from Patelco.