Start making your money work harder for you.

Earn a one of the top rates in the nation1 with our 3.00% APY2 Money Market Select Account. Find security, convenience, and savings with our one-of-a-kind Plus Checking.

No matter what stage of your financial journey you are in, we have solutions built to benefit you.

3.00% APY2 Money Market Select Account

With Patelco Credit Union’s 3.00% APY Money Market Select Account, you can make your money work harder for you and reach your goals sooner, including building an emergency savings account. You’ll earn a top rate while keeping and withdrawing your funds any time.

You earn: On your balance of: It adds up to:
(blended APY)
3.00% APY $1-$2,000
2.00% APY $2000.01 - $5,000 2.40% on $5,000
1.00% APY $5,000.01 – $10,000 1.70% on $10,000
0.50% APY $10,000.01 – $50,000
0.98% on $25,000

Calculate your blended APY on any deposit amount.

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Plus Checking

This one-of-a-kind checking account helps you establish stronger savings habits and take control of your financial life, while protecting everything you’ve worked so hard to achieve.

At only $6.95 a month, this account gives you over $642 a year in benefits, including:

Identity Theft Protection
Protect yourself and your family with identity theft protection and insurance (up to $10,000 a year).

Worldwide ATM Fee Rebates3
Get automatically reimbursed for up to two ATM fees per month when you use your debit card at any ATM worldwide.

Automatic Round-Up Savings and 10% Match3
Save automatically by using your debit card. We’ll round up your total to the nearest dollar, match 10% of the rounded-up amount, and deposit it into your savings account.

See all the benefits included in Plus Checking. Learn More

Truly Free Checking

If you simply want a basic account without a lot of extras, you always have the option of our truly Free Checking Account – just convenience and security.

  • No monthly debit card or account fees
  • No minimum balance requirement
  • Online Banking and Mobile App with Anywhere Deposit
  • Free overdraft protection and transfers from your Patelco savings account
  • 30,000 free ATMs nationwide
  • 37 branches plus access to 6,000+ shared-service branches

Open your free checking account. Open Today

1 9/30/2019.

2 APY=Annual Percentage Yield. Rates are valid as of 9/30/2019 and are subject to change after account opening without notice. Interest is paid at tier rates on balances within each tier. Total interest paid is the sum from each tier. Blended APY shown assumes the amount deposited is held in the account for one year. Withdrawing funds before one year will result in a different realized rate. Blended APY for higher tiers: $1 - $2,000 is 3.00% APY; $2,000.01 - $5,000 is 3.00% - 2.40% APY; $5,000.01 - $10,000 is 2.40% - 1.70% APY; $10,000.01 - $50,000 is 1.70% - 0.74% APY; $50,000.01 - $100,000 is 0.74% - 0.50% APY; $100,000.01 - $9,999,999 is 0.50% - 0.20% APY. No minimum deposit required to open an account. Limit one Money Market Select Account and one Money Market Select IRA Account per account number.

3 Identity, Credit, and Round-Up features all require enrollment. Insurance products are not a deposit, not NCUA insured, not an obligation by the Credit Union, its affiliates, and not guaranteed by any government agency. ATM fee rebates do not apply to any fees other than those assessed for using an ATM to withdraw cash from your Patelco Credit Union account. Cell phone protection is subject to additional terms and conditions. Participating merchants on Patelco Plus are not sponsors of the program, are subject to change without notice, may not be available in all regions and may choose to limit deals. Policies and account features subject to change without notice. Combined services valued at $642 per year based on research on websites for Lifelock, AT&T, Sprint, Verizon.