Remain vigilant for Patelco phone number spoofing. Our Patelco team will never reach out to you directly to ask for your card details, like expiration date or CVV code.
Our branches and call center are closed Monday, September 2.
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 our payment support center to learn more about loan modification options.
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
Like a certificate of deposit (CD), a certificate offers a higher rate with guaranteed return for the term of the deposit.
5.00% APY1
$250.00
9 Month
A certificate, like a CD or Certificate of Deposit, lets you earn a fixed, higher interest rate than a traditional savings account for not making any withdrawals during the term of the certificate. The money is insured by the National Credit Union Administration (NCUA) for up to $250,000.
Certificates are insured up to $250,000 by NCUA (or $500,000 in a joint account for two people)
Choose from 3 to 60 months
Access your certificates and accounts on the go
Receive alerts for certificate renewal
Rates Effective 07/23/2024
Min. Balance
Min Balance
3 – 5 Months
6 – 11 Months
12 – 17 Months
18 – 23 Months
24 – 35 Months
36 – 47 Months
48 – 59 Months
60 Months
14 Month Promo3
23 Month Promo3
9 Month Promo3
Limited time: We have 3 exciting Certificate offers that deliver savings and a guaranteed return!
5.00% APY 9-Month Certificate4
A perfect fit for those seeking a shorter investment horizon with a competitive return.
4.90% APY 14-Month Certificate4
Strike the balance between return and flexibility with this mid-range option.
4.60% APY 23-Month Certificate4
Looking for a bit more stability and a high yield? This longer-term CD might be just what you need.
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 deposit one share ($1) in your Share Savings account when you join. Our mission is to help members achieve lifelong financial well-being 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. You become a member when you open an account with us.
A certificate offers a higher fixed rate with a guaranteed return if you don’t need to keep your money liquid. It is a safe investment because it’s insured by NCUA for $250,000 (or $500,000 in a joint account for two people). There is no risk of losing money on a certificate, except if you withdraw early.
Certificate accounts give you a fixed dividend rate and APY over the specified term. On certificates with terms less than 12 months, dividends are compounded and credited at maturity. For certificates with terms longer than 12 months, dividends are compounded and credited monthly on the last of the month.
Unless otherwise specified, all certificate accounts are subject to early withdrawal penalties, if funds are withdrawn within six calendar days of account opening or renewal, the penalty will be seven days’ dividends on the entire account balance.3
Yes. All regular certificates can be opened as IRA certificates, unless otherwise noted. Minimum balance for all IRA certificates is $250.
A common strategy for savers using share certificates or CDs is to divide the sum of money saved into equal amounts and open certificates with different maturing dates. This way you can take advantage of the higher rates on the longer terms while keeping some funds accessible for the near future.
All regular certificates can be opened as IRA certificates, unless otherwise noted. Minimum balance for all IRA certificates is $250.
Share certificates are a type of savings account offered only by credit unions. This guide explains what share certificates are, how they work, and their benefits.
Considering opening a savings account? Get answers to what is a savings account and the different types you have to choose from.
Learn how a money market account works, the benefits and drawbacks, how to choose the best MMA for you, and tips for using one effectively.
1 APY = Annual Percentage Yield. Terms and conditions may vary by account.
2 All regular certificates can be opened as IRA certificates, unless otherwise noted. Minimum balance for all Certificates and IRA Certificates is $250.00.
3 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.
4 APY=Annual Percentage Yield. Rates are effective as of 07/23/2024. Rates may vary at the time of maturity or renewal.
5 There is a penalty for early withdrawal for all Certificates. Please see the Certificate Accounts section in the Patelco Member Handbook.
