The right checking account build a strong foundation — find one tailored to your unique needs.
The right savings account helps you grow toward your goals — find one that fits your needs and lifestyle.
Manage your Patelco accounts effortlessly with our comprehensive support services.
Low rates, no annual fees — Patelco credit cards fit every lifestyle and financial goal.
Flexible loans and lines of credit to consolidate debt or cover life’s big expenses
Flexible lending options and programs for new and existing homeowners.
Take advantage of one of life’s biggest investments.
Drive off with an affordable new or used vehicle, or save on one you already own.
Have your fun and freedom with a great loan that fits into your financial plan.
Explore payment options and answers to commonly asked questions about loan payments with Patelco.
Up to $50,000. As low as 12.40% APR.
Get support managing your debit and credit cards and loans.
Learn more about our local expertise, guidance and personal service.
Tailored investment solutions to help you plan, invest, and secure your financial future.
Comprehensive insurance solutions to protect your assets and loved ones.
Complimentary one-on-one guidance from our Certified Financial Specialists.
Connect with us and find the right insurance option that fits your needs.
Patelco’s Digital Banking provides secure, convenient access to your accounts anytime, anywhere. Manage your finances effortlessly with our comprehensive suite of online and mobile services.
Sign up for Patelco Online™ to access and manage your accounts securely.
Schedule a video appointment or meet instantly with a Patelco team member.
Manage accounts, pay bills, and transfer funds securely from any device.
Bank on the go: check balances, deposit checks, send money and more.
Make secure, contactless payments using your mobile device at participating merchants.
Schedule and manage your bill payments online with ease and confidence.
Transfer funds between accounts or send money to others quickly and securely.
Send and receive money instantly with friends and family using Zelle®.
Download our Mobile App to check your balance, make transfers, pay bills, deposit checks, plan and save securely and conveniently from your phone or tablet.
Patelco Credit Union is a full-service, not-for-profit financial cooperative dedicated to helping members and communities prosper. With nearly $10 billion in assets and over 500,000 members nationwide, we are one of the largest credit unions in the nation.
Higher savings, better rates, and fewer fees. Patelco membership connects you to more.
Discover all the perks, savings and resources that come with being a Patelco member.
Learn about our history, our core values and our mission to build financial wellbeing.
Meet the people who are dedicated to helping you live your best financial life.
We’re united in our mission to help uplift each other, our members and communities.
Patelco’s latest news and announcements, media and press, awards and more.
See exactly how we’re doing by reviewing our latest financials.
As your trusted financial partner, we’re solely focused on helping our members build and sustain their best financial lives. Learn what makes Patelco membership different.
Get expert guidance, tools and support to take control of your financial future — from fraud prevention to education, relief options, and personalized advice.
Protect yourself from scams with tools, alerts, and tips to keep your info secure.
Explore financial hardship resources, loan relief options, and personalized support.
Tune in for expert interviews and real-life stories to help you master your money.
Get one-on-one coaching and tailored financial guidance from our financial specialists.
Join live and on-demand webinars to grow your financial knowledge and confidence.
Access tools, articles, and interactive course to support smarter financial decisions.
Access articles, guides, and tools to enhance your financial knowledge.
Learn more about Patelco’s community values, service in action, impact, events and partnerships.
Learn about our impact, purpose and involvement in the communities we call home.
Check out our sponsored community events and ones we participate in.
Discover how we can create a stronger culture of financial health for your employees.
Follow and like us to get the latest news, financial tips, and special offers.
Access to your accounts anywhere, anytime
Help your business soar with a federally insured, high-yield Money Market account.
As high as 3.50% APY1
Federally insured to $250,000
$100
You’re leaving money on the table if you’re using a low-yield savings account. Patelco’s Business Money Market account offers outstanding rates to help your savings – and your business – grow faster! Plus, enjoy peace of mind knowing that your money is insured by the National Credit Union Administration (NCUA). To qualify, you must have a Patelco Business checking account under the same Member number. The rate you’ll earn each month will be calculated based on the daily balance you maintain in your Business Money Market account.
The following variable interest rates will apply to your account balance: 3.60% APY on balances of $250,000 or greater, 3.40% APY on balances between $100,000 and $249,999.99, 3.10% APY on balances between $50,000 and $99,999.99, 3.00% APY on balances between $25,000 to $49,999.99, 0.05% APY on balances between $5,000 to $24,999.99, and 0.05% APY up to $49,999.99.
$100,000 to $249,999.99
$50,000 to $99,999.99
$25,000 to $49,999.99
$5,000 to $24,999.99
$0 to $4,999.99
Like FDIC, your money is federally insured up to $250,000.00
Keep your business on track with overdraft protection linked to a Patelco checking account
Access your accounts anytime from anywhere to view account activity, set alerts, send or transfer money and deposit checks
Select a Business Checking account with low monthly fees, or choose Business Interest Checking account with higher transaction limits.
Move your money between linked Patelco accounts or external accounts to take advantage of your high-yield rate
No fees for your first 25 transactions each month3
Rates Effective 01/01/2026
The Business Money Market account offers a tiered rate based on your daily account balance in the account. Plus, you must have a Patelco Business checking account opened under the same member number in order to obtain the higher tier dividend rates. The following variable rates will apply to your account balance: 3.50% APY on balances of $250,000 or greater, 3.25% APY on balances between $100,000 and $249,999.99, 3.00% APY on balances between $50,000 and $99,999.99, 2.75% APY on balances between $25,000 to $49,999.99, 2.50% APY on balances between $5,000 to $24,999.99, and 0.05% APY up to $4,999.99. You’ll automatically earn the tiered rate listed above based on the daily account balance maintained when you open the account. To continue earning a higher tier rate, you’ll need to have a Patelco Business checking account (under the same member number). If you do not meet the qualifying checking account requirements you’ll earn the Regular Savings rate, which is currently at 0.05% APY, regardless of the balance you maintain. Keep in mind the APY (Annual Percentage Yield) is a variable rate and may go up or down depending on the rate environment. More details may be found in our Account Overview.
No. There’s no monthly fee, however there is a $100 minimum deposit at account opening.
Yes. You need to have a Patelco Business checking account to qualify for the higher tier rates in your Business Money Market account. You’ll automatically enjoy the higher APY based on the deposit tier you maintain at account opening. If you don’t have a Patelco checking account, your Business Money Market account will earn the Regular Savings rate currently at 0.05% APY. More details may be found in our Account Overview.
There are no fees for your first 25 transactions per month. If you exceed 25 transactions per month, your account will be charged $0.25 per additional transaction. There are no fees on your first $10,000 cash deposits, however, there is a $0.50 fee per $100 deposited or purchased for transactions over $10,000 in cash.
Yes. Your Business Money Market account is insured by NCUA for up to $250,000. Like the FDIC, NCUA provides federal insurance for credit union accounts, while the FDIC provides insurance for bank accounts. Learn more about what a money market account is and how it works.
1 APY=Annual Percentage Yield. Rates are effective as of 01/01/2026 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 rates will apply to your account balance: 3.50% APY on balances of $250,000 or greater, 3.25% APY on balances between $100,000 and $249,999.99, 3.00% APY on balances between $50,000 and $99,999.99, 2.75% APY on balances between $25,000 to $49,999.99, 2.50% APY on balances between $5,000 to $24,999.99, and 0.05% APY up to $4,999.99. In order to obtain high tier rates, the account must meet the eligibility requirements, that is a Patelco Business checking account (opened under the same member number). If the account fails to meet eligibility at any time, the lower rate of 0.05% APY will be defaulted. For more details, read our Business Money Market Account Overview.
2 Source: Over 34,700 5-star reviews across Apple iOS and Google Play app stores.
3 Accounts are subject to a $0.25 transaction fee if account exceeds 25 transactions each month. Accounts are subject to an excess cash fee of $0.50 fee per $100 deposited or purchased after $5,000 in cash.
4 Checking Requirements: In order to obtain higher tier rates, the account must meet the eligibility requirements, that is a Patelco Business checking account (opened under the same member number). If the account fails to meet eligibility at any time, the lower rate of 0.05% APY will be defaulted for that month.
The following is a non-exclusive list of business types that Patelco does not serve: (1) any business subject to any sanctions prohibitions administered by the Office of Foreign Assets Control; (2) medical marijuana dispensaries or any other business involved in the marijuana industry; (3) money services businesses or MSBs (ATM machines, check cashing, vending machines, cash-intensive businesses, etc.); (4) gambling businesses; (5) digital currency businesses; (6) third party payment processors; (7) prostitution businesses, whether legal or not; (8) embassies, consulates, and diplomatic missions; (9) pawn shops or pawnbrokers; (10) anonymous ownership entities; (11) adult entertainment businesses; (12) firearms and ammunition manufacturing businesses; (13) businesses that advocate violence or hate against any group or individual; (14) businesses that are engaged in an activity that is illegal under state or federal law; (15) businesses that present a high degree or risk, and (16) businesses that could be detrimental to Patelco’s reputation or values.
