LightStream vs Patelco Credit Union
LightStream offers a lower rate at 7.24% APR versus Patelco's 9.30% APR, with no minimum balance or monthly fees on either product. LightStream also carries FDIC insurance, while Patelco does not—making LightStream the stronger choice for cost-conscious borrowers prioritizing deposit protection.
Option B
Patelco Credit Union
9.30%
APR
- Min
- $300
- Fee
- $0/mo
Best for: savers prioritizing brand familiarity
Open with Patelco Credit Union →How this comparison was built
Rates and fees are pulled from each provider's published rate disclosures and reviewed by our product data pipeline. The verdict above is generated from the verified data — we don't accept payments to influence rankings. Last refreshed 8/23/2026.