Money Market Accounts

Jumpstart your earning potential with an account that pays more.

Our NCUA-insured Money Market Account allows you to enjoy all the benefits of your Tiered Savings Account with even higher earnings, and you can get dividends comparable to an investment account, without the added risk. If you need to access your money, you're allowed up to six withdrawals or transfers per month.

Explore our account options and find the one that's right for you:






Safely save for the future while having access to your money.

If you're able to set aside $1,000 or more and want higher earnings, this is your ticket to liquid, low-risk interest.

  • $1000 minimum balance to earn interest
  • Dividends paid monthly
  • View Rates
Apply Now
 

More features and benefits of Patelco Money Market Accounts

  • 28,000+ free ATMs nationwide
    Conveniently use the ATMs at other credit unions and at Costco, 7-Eleven, and Bank of the West.*
  • 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 Banking
    Check balances, transfer funds, pay bills, open new accounts, and set up alerts to help manage your accounts.
  • Free Mobile & Text Message Banking
    Just about all our Online Banking features are available through your phone or iPhone app.
  • Free eStatements
    Receive your statement earlier without wasting paper.
  • Free Direct Deposit/Automatic Transfers
    Direct part of your paycheck into your account or set up an automatic transfer from your checking account.

*Certain withdrawal limits apply to Money Market Accounts, be sure to view the Member Handbook for details.

Liquidity with the investment power of a high–yield savings account.

If you'd like to invest a relatively large amount of money for substantial dividends while keeping your funds liquid, the Money Market Plus Account is the way to go. With tiered interest rates, the more you save, the more you earn.

  • Tiers start at $25,0001 and top out at $100,000
  • Dividends paid monthly
  • View Rates
Apply Now
 

More features and benefits of Patelco Money Market Accounts

  • 28,000+ free ATMs nationwide
    Conveniently use the ATMs at other credit unions and at Costco, 7-Eleven, and Bank of the West.*
  • 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 Banking
    Check balances, transfer funds, pay bills, open new accounts, and set up alerts to help manage your accounts.
  • Free Mobile & Text Message Banking
    Just about all our Online Banking features are available through your phone or iPhone app.
  • Free eStatements
    Receive your statement earlier without wasting paper.
  • Free Direct Deposit/Automatic Transfers
    Direct part of your paycheck into your account or set up an automatic transfer from your checking account.

  1. Balances below $25,000 will not earn interest. Rates adjust automatically between tiers.

*Certain withdrawal limits apply to Money Market Accounts, be sure to view the Member Handbook for details.

Earn money market rates and enjoy a low minimum balance requirement.

You could also use your Money Market as an IRA, with the same rates, APYs, and dividend payments – plus, your contributions are tax-deductible.1

  • $250 minimum balance to earn interest
  • Perfect for IRA or 401(k) rollover funds
  • IRA tax advantages
  • Dividends paid monthly
  • View Rates
Apply Now

More features and benefits of Patelco Money Market IRA Accounts

  • IRA Service Center
    Conveniently use the IRA Service Center to request for withdrawals or many other services.
  • Free Online Banking
    Use Online Banking to check your Money Market IRA balances.
  • Free eStatements
    Receive your statement earlier without wasting paper.
  • Free Automatic Transfers
    Set up an automatic transfer from your checking account (for IRA contributions only).
 

  1. Consult a tax advisor.

The perfect complement to an IRA or 401(k).

Our Money Market Plus IRA is the perfect complement to your IRA or 401(k). You get the same exceptional tiered interest rates as the Money Market Plus Account, plus the tax-deductible contribution benefits of an IRA.

  • Tiers start at $25,0001 and top out at $100,000
  • Perfect for IRA or 401(k) rollover funds
  • IRA tax advantages2
  • Dividends paid monthly
  • View Rates
Apply Now
 

More features and benefits of Patelco Money Market IRA Accounts

  • IRA Service Center
    Conveniently use the IRA Service Center to request for withdrawals or many other services.
  • Free Online Banking
    Use Online Banking to check your Money Market IRA balances.
  • Free eStatements
    Receive your statement earlier without wasting paper.
  • Free Automatic Transfers
    Set up an automatic transfer from your checking account (for IRA contributions only).

  1. Balances below $25,000 will not earn interest. Rates adjust automatically between tiers.
  2. Consult a tax advisor.