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Earn a higher return when you start saving.
2.00% APY1
$1
Like a savings account, our Money Market Select account pays interest and is insured by the National Credit Union Administration (NCUA). The difference is that this account lets you write checks2, and is a reverse tier account — so it offers higher rates than a traditional savings account for smaller balances. Learn more about what a money market account is and how having one can benefit you.
Access your accounts on the go
Set up monthly direct deposits or automatic transfers and grow your savings
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Link to your checking and pay no overdraft fees
Easy access to your money
Safe, secure way to save
Rates Effective 01/01/2026
Min. Balance
Min Balance
Blended APY
First year’s Interest
Enter your deposit amount to see how much your savings can earn each year.4
Calculations provided are for demonstration purposes only and do not guarantee credit approval for the rate and terms displayed.
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 Share 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.
No. There’s no monthly fee and no minimum balance requirements.
The Money Market Select account does not require a linked Patelco checking account with a recurring monthly deposit to earn the higher available rate (the Money Market Plus account requires this). Learn more about what a money market account is and how having one can benefit you.
Our Money Market Select account dividend is paid at tiered rates based on the deposit amount. For example, you’ll earn 2.00% APY on the first $2,000.00. Then 1.50% APY on the balance between $2,000.01 and $5,000.00 — giving you a blended, combined rate of 1.00% APY. Use our calculator above to see how much your savings can earn each year.
Yes. Your Money Market Select account is insured by the NCUA for up to $250,000 (or $500,000 in a joint account for two people).
Check orders can be made by contacting us.
A Money Market Select IRA is a good option if you want insured retirement savings or if you are in transition, such as consolidating your previous employer’s 401k or deciding what to do as you’re starting out:
1 APY=Annual Percentage Yield. Rates are valid as of 01/01/2026 and are subject to change after account opening without notice. Interest is paid at tier rates on balances within each tier. Total interest paid is the sum from each tier. Blended APY shown assumes the amount entered is held in the account for one year. Withdrawing funds before one year will result in a different realized rate. No minimum deposit required to open an account. Limit one Money Market Select Account and one Money Market Select IRA Account per account number.
2 Check orders can be made by contacting us.
3 Source: Over 34,700 5-star reviews across Apple iOS and Google Play app stores.
4 This calculator is for illustrative purposes only and does not reflect the actual results of any specific deposit amount.
5 Consult a tax advisor about IRA tax advantages.
