OneMain Financial vs Patelco Credit Union
Patelco Credit Union loans offer a lower rate at 9.30% APR compared to OneMain Financial's 11.99% APR, making Patelco more cost-effective for borrowers. Both have $0 minimums and no monthly fees, but Patelco's credit union structure typically provides stronger consumer protections than OneMain's finance company model.
Option A
OneMain Financial
11.99%
APR
- Min
- $1500
- Fee
- $0/mo
Best for: savers prioritizing the highest yield
Open with OneMain Financial →Option B
Patelco Credit Union
9.30%
APR
- Min
- $300
- Fee
- $0/mo
Best for: rate-maximizing savers
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.