Whether you’re saving for a new car, the kids’ college funds, or your retirement, Patelco has a share certificate that fits your needs. Choose a certificate, an IRA or Education Savings Account (ESA) certificate1,2,3.See Rates & Terms Open Now
If you're able to set aside funds for as few as 3 months or as many as 60 months, our certificates allow you to earn interest for a term that makes you comfortable. You’ll benefit from the safe, secure earning potential of Patelco’s certificates:
Rates vary by the length of term. Choose how you save—short-term growth or long-term higher yield. All with a low, $1,000 minimum deposit. Select the one that works best for you!
An Individual Retirement Account (IRA) Share Certificate is a great way to save for retirement. Especially when you can earn a predictable and guaranteed rate with an IRA Share Certificate that won’t interfere with your employer’s retirement or pension plan.
There are two types of IRA certificates: Traditional and Roth. Both accounts offer specific tax benefits. A Traditional IRA helps reduce the amount of taxes you pay as you’re saving for retirement by allowing you to deposit pre-tax dollars. A Roth IRA allows you take tax-free withdrawals during retirement. The one you select (or qualify for) depends on your age, income, and financial goals.4
Open your account with as little as $500 and start earning competitive rates with a Patelco IRA Share Certificate. Terms range from 3 to 60 months with varying yields.
A Coverdell Education Savings Account (ESA) is the perfect way to save for your child’s future education expenses. The money can be used at any time, from kindergarten through college, for books, tuition, uniforms, computers, and more.
Save up to $2,000 per child, per year, in your ESA until your child reaches age 18, with pre-tax dollars. Then, when they need money for education, make a tax-free withdrawal. There are some restrictions based on your income, and you may be able to contribute for a child beyond 18 years old if they have special needs.
Start saving for their future today with a Patelco ESA.See Rates & Terms