Investments
Invest in your future to help you get where you’re going.
Financial Advisory Services
Our CFS Financial Advisors1 will create a personalized investment strategy that aligns with your long-term goals.
Robo Advisor
Program
Fill out a short questionnaire, then our Robo Advisor2 will automatically build a diversified portfolio based on your goals and risk tolerance.
Self-Service Investments
Take the lead on your investments and trade stocks, bonds, and mutual funds with our eVision® 3 online trading service.
Estate Planning Services
Everyone needs an estate plan, regardless of age, assets, or stage of life. It’s why we’ve partnered with Trust & Will to offer our members 25% off the estate plan of their choice.
Now is the time to invest in your future
Free Financial Advisor4 consultation
We’ll discuss your situation and goals in detail, then create a customized investment strategy and retirement analysis.
Three approaches to choose from
Work with one of our Financial Advisors, use our Robo Advisor Program to choose your investments, or invest on your own with the eVision® trading platform.
Strategies that fit your goals
No matter what your goals are, we can provide personalized strategies, tools, and expertise to help you achieve more on your financial journey.
Planning for every stage of life
Rollover strategies, IRAs, 401(k) and 403(b) plans, retirement planning, trust and estate planning, annuities, and college savings plans.
Frequently Asked Questions
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Patelco provides multiple investment options to choose from. Get in touch with one of our CFS Financial Advisors to find the right fit.
Our Financial Advisors will provide you with a complimentary financial consultation and can create a customized investment strategy with retirement analysis. We’re committed to keeping our members on the path to financial wellbeing.
A Financial Advisor consults with you about your goals, creates a customized investment plan, and then actively manages your investments for you. A Financial Advisor has access to more investment options, and they often offer guidance around estate planning, taxes, and insurance. Working with a Financial Advisor generally requires reserves (savings) and a higher minimum investment amount.
A robo advisor uses algorithms to choose your investments for you, then monitors, adjusts, and rebalances your investments automatically. Robo advisors generally have lower fees, choose from a more limited selection of investment options, and require a smaller minimum initial investment.
1 APY=Annual Percentage Yield. Rates are effective as of 08/23/2024. Rates may vary at the time of maturity or renewal. Certificate interest rates vary depending on terms. 9-Month Certificate has a rate of 5.00% APY (Dividends paid monthly); 14-Month Certificate has a rate of 4.75% APY (Dividends paid monthly); 23-Month Certificate rate of 4.00% 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.
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.