Lock in a sweet return before rates cool off!
Open AccountNCUA insured up to $250,000 for individuals ($500,000 for joint owners)
Receive alerts for certificate renewal
Manage your money on the go
No. We don’t charge a monthly fee or require a minimum balance to waive the monthly fee.
Effective as of 07/23/2024, you do not need a checking account and monthly deposit requirement to earn the competitive rates on one of our current certificate promotions.
Yes. Your Certificate is insured by NCUA for up to $250,000.00 (or $500,000.00 in a joint account for two people).
Like the FDIC, NCUA provides federal insurance for credit union accounts, while the FDIC provides insurance for bank accounts.
You can find one of the 30,000+ fee-free ATMs at patelco.org/locations or on your Mobile App.
ALL Members who set up direct deposits into their Patelco checking, savings, or money market accounts can get paid up to 2 days early3 — so you can access your funds faster.
Patelco is a member owned, not-for-profit financial cooperative. When you join Patelco, you become a member and a shareholder. That’s why we’ll also open a Regular Savings account and deposit one share ($1) in your account when you join.
Our mission is to help members achieve lifelong financial wellbeing so you can live happier, fuller lives.
Unlike the big banks or other for-profit financial institutions, we invest our profits back in our members with better rates and low to no fees.
We also offer free financial advice to anyone who wants to improve their financial situation. Members have told us that they feel seen, heard, informed, and supported to make more confident financial choices.
Membership is free and comes with great benefits. You become a member when you open an account with us.
Make an appointment to visit a Patelco branch near you. Or meet on video with our Virtual Branch — where you can schedule an appointment to meet virtually from the comfort of your home or office.
1 APY=Annual Percentage Yield. Rates are effective as of 07/23/2024. Rates may vary at the time of maturity or renewal.
2 Effective as of 07/23/2024, there is no checking requirement for the standard certificate promotions. 9-Month Certificate promotion has a rate of 5.00% (Dividends paid monthly); APY 14-Month Certificate promotion has a rate of 4.90% APY (Dividends paid monthly); 23-Month Certificate promotion has a rate of 4.60% APY (Dividends paid monthly).
All certificates are subject to an early withdrawal penalty. For IRA Certificates, the early withdrawal penalty is waived if the IRA owner is age 59½ years or older. Fees could reduce earnings. Please see the Certificate Accounts section in the Patelco Member Handbook. For more details, read our Certificates Account Overview
3 Source: over 22,000 five-star reviews on the App Store.
