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Checking and Savings Accounts

A great relationship starts with a great Checking and Savings account.

Every member must start with our Tiered Savings Account – Your "share" in Patelco Credit Union. This means that, as a member, you can start enjoying unlimited deposits and withdrawals, and competitive monthly dividend payouts as soon as you join – but it doesn't stop there. With our flexible, low- or no-fee Checking and Savings Account options and competitive interest rates, we have the right account to meet your unique banking needs.

Checking Savings

Whether you’re looking to save with simple, truly Free Checking or get more for your money with one of our Interest Checking accounts, Patelco has the right banking option for you. Plus, our members enjoy all the advantages of banking with a “big” bank, like access to 30,000+ ATMs, Online and Mobile Banking, Bill Pay, and more – Without the hidden fees and high balance requirements. You have several options to choose from:

  • Free Checking – A free account the way it was meant to be – Free. No minimum balance, no direct deposit requirements.
  • Interest Checking – An everyday account that earns you interest on every penny.
  • Premier Checking – A low-fee account that grows faster when you save more.
  • Youth Checking and Savings – Two free account options to set your child up for financial success.

See them side-by-side >

All Checking and Savings accounts have convenient access:

  • 30,000+ free ATMs nationwide
    Conveniently use over 30,000+ surcharge-free ATMs nationwide.
  • 6,000+ Shared CU branches
    No matter where you are, you can visit other credit union branches to do your in-person Patelco banking.
  • Free Online & Mobile Banking
    Check balances, transfer funds, pay bills, and set up alerts to help manage your accounts.

Your financial security starts with a good savings strategy – With a wide selection of Savings Account options, Patelco can help you achieve your financial goals with the best rates, accessibility, restrictions, and terms for you. Depending on the account you choose, you could take advantage of higher dividends, tax benefits, easy access to funds for important expenses like unforeseen medical costs or funding your child’s education, low or no minimum balance requirements, and more! Explore your options:

  • Tiered Savings – A low- to no-cost account with sliding scale interest rates and unlimited access to your funds.
  • Money Market Accounts – With this account, your earnings grow right along with your interest.
  • Share Certificates – Flexible Certificate options that make it easy to grow your savings fast and securely.
  • High-Yield Accounts – Low monthly fees and better interest rates make this an ideal option for growing your savings in the short- and long-term.
  • Individual Retirement Accounts – A tax-advantaged account to help you build your retirement savings.
  • Health Savings Accounts – A 100% tax-free checking account with any-time debit card access, to help you earn while you save on doctor visits, dental care, prescriptions, and more.