Grow your savings faster with one of the best Money Market accounts around

Patelco’s Money Market Plus account offers an outstanding rate that's 5x the national average2 and lets you make the most of your banking relationship with Patelco.

With this account, you can grow your savings faster, plus manage your money with ease and security knowing that your money is insured by the National Credit Union Administration (NCUA).

To qualify for the 3.00% APY, you must also have a Patelco checking account open under the same membership and make a minimum of $500 in recurring monthly deposits to the checking account.

Read our Account Overview for additional details on the Money Market Plus account’s key features and requirements.

High-yield savings account with no fees

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Insured by NCUA

Your money is insured up to $250,000 ($500,000 for joint accounts)


30,000+ fee-free ATMs

Find one near you on our Mobile App

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Top-rated Mobile App and online banking

Access your accounts on the go

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Choose the best checking account for you

Open a Free Checking with no monthly fees, or explore other checking account options

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Easy account transfers

Move your money between linked Patelco accounts or external accounts to take advantage of the high-yield rate

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Get paid up to 2 days faster with direct deposit3

Complete this form, or log in to online banking to set up direct deposit for your Patelco Checking account

Money Market Plus

Rates Effective 5/3/2023
Requirements Met4 Min Balance APY1 Rate Dividends Paid
Yes $0.00 3.00% 2.96% Monthly
No $0.00 0.05% 0.05% Monthly

Frequently Asked Questions about Money Market Plus

Open your Money Market Plus account today

Build your emergency fund, save for a large purchase or vacation, or just maximize your return with a Patelco Money Market Plus account.

  • No monthly fees, no minimum balance
  • 3.00% APY with a qualifying Patelco checking account and ongoing monthly $500 minimum deposit
  • Transfer money with ease between your accounts to keep earning the high savings yield
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1 APY=Annual Percentage Yield. Variable rates are valid as of 05/03/2023 and are subject to change after account opening without notice. A Patelco checking account (opened under the same Member Number) with a total monthly deposit of $500 or more is required to receive the higher interest rate (dividend rate). If the Money Market Plus account does not meet the requirement 3 calendar months after the account is opened, the lower interest rate of 0.05% APY will be applied to the account until the requirements are met.

For more details, read our Money Market Plus Account Overview.

2 Informa as of 4/17/2023.

3 Early access to direct deposit funds depends on the timing of the receipt of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date.

4 Requirements: To qualify for the higher yield dividend rate, you must have an open checking account under the same Member Number as the Money Market Plus account, with a minimum of $500 in qualifying deposits each month into the checking account. In any month the requirements are not met, the dividend rate paid on the Money Market Plus account in the following month will be the same as the Regular Savings rate. Money Market Plus is not available for IRA.