Share Certificates

Everyone Has Different Savings Goals. So We Offer You Multiple Ways to Save.

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.

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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:

  • Guaranteed return on principal1
  • Compounded dividends paid monthly2
  • Automatic renewal at maturity
  • Federal Deposit Insurance up to at least $250,000 through NCUA

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!

  • 0.20% - 1.95% APY / 0.20% - 1.93% Rate3
  • 3- to 60-month terms

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Guaranteed earnings with a Patelco tax-deferred IRA

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.

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Save for your child's education with a tax-deferred ESA.

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.

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  1. If you withdraw principal from a certificate account prior to maturity, an early withdrawal penalty will apply. Please see the Certificate Accounts section in the Patelco Member Handbook (PDF) for details.
  2. For certificates with terms 12-months or greater; otherwise dividends are compounded and paid at maturity. There is a penalty for early withdrawal for all Certificates. Please see the Certificate Accounts section in the Member Handbook and also review the Member Handbook Fee Schedule. Terms and conditions vary by account.
  3. APY = Annual Percentage Yield. Dividend Rates and Annual Percentage Yield (APY), are subject to change at any time.
  4. For specific tax advice, please consult a qualified tax professional.