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October 2005
Patelco Credit Union
In this issue...
Certificates Grow Your Money
With Certificates
Refinance Refinance Before
It's Too Late
Health Savings Accounts Health Savings
Accounts
Financial advisors

Financial Advisor:
Jane Krueger

Long Term Care Long Term Care
Financial Tips Financial Tips
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Certificates
If you're not already taking advantage of Patelco's exceptional rates and earning dividends on your money, here's an easy way to get started: open a certificate account. You can choose any term from 3 to 60 months, and start with as little as $1,000.

6-month certificate
3.89% APY*
$1,000 minimum
opening balance
12-month certificate
4.33% APY*
$1,000 minimum
opening balance
  • Earn more with a certificate than with a traditional savings or money market account
  • Set it up as an IRA or Coverdell Education Savings Account ($500 minimum opening balance)
  • Open several certificates with different terms so you're sure to have money readily available
  • Sit back and relax. Our certificates are privately insured up to $250,000 per account.
Open a certificate account at a local branch, through www.patelco.org, or by calling 415.442.6200 or 1.800.358.8228 (outside CA).

* Annual Percentage Yield as of 9/29/05. Dividends paid monthly for terms 12 months and greater. For terms less than 12 months, dividends are paid at maturity. Minimum balance is $1,000. View more certificate rates and terms.


Donate to the relief efforts

Millions of people throughout the Gulf States have been affected by Hurricanes Katrina and Rita, some of them Patelco members. If you'd like to make a donation to help these people in need, visit the Red Cross web site at
www.redcross.org. Every little bit helps.

 
Patelco Credit Union is privately insured by American Share Insurance up to $250,000 per account. This institution is not federally insured, and if the institution fails, the federal government does not guarantee that depositors will get back their money. Accounts with this institution are not insured by any state government.

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156 Second Street, San Francisco, CA 94105