Enjoy an Insured, Guaranteed Return on Your Savings
A certificate, like a CD lets you earn a fixed, higher interest rate than a traditional savings account for not making any withdrawals during the term of the certificate. The money is insured by the National Credit Union Administration (NCUA) for up to $250,000.
Product Benefits
Safety and Security
Insured up to $250,000 by NCUA (or $500,000 in a joint account for two people)
Variety of Terms
Choose from 3 to 60 months
Top-rated Mobile App and Online Banking
Access your accounts on the go
Set Up Alerts
Receive alerts for certificate renewal
Certificates2
Rates Effective 4/28/2023Term |
Min. Balance |
APY1 |
Rate |
Dividends Paid |
|---|---|---|---|---|
| 3 - 5 Months | $250.00 | 1.00% | 1.00% | At Maturity |
| 6 - 11 Months | $250.00 | 2.00% | 1.98% | At Maturity |
| 12 - 17 Months | $250.00 | 3.00% | 2.96% | Monthly |
| 18 - 23 Months | $250.00 | 4.00% | 3.93% | Monthly |
| 24 - 35 Months | $250.00 | 3.50% | 3.45% | Monthly |
| 36 - 47 Months | $250.00 | 3.00% | 2.96% | Monthly |
| 48 - 59 Months | $250.00 | 3.00% | 2.96% | Monthly |
| 60 Months | $250.00 | 3.00% | 2.96% | Monthly |
IRA Certificates2
Rates Effective 4/28/2023Term |
Min. Balance |
APY1 |
Rate |
Dividends Paid |
|---|---|---|---|---|
| 3 - 5 Months | $250.00 | 1.00% | 1.00% | At Maturity |
| 6 - 11 Months | $250.00 | 2.00% | 1.98% | At Maturity |
| 12 - 17 Months | $250.00 | 3.00% | 2.96% | Monthly |
| 18 - 23 Months | $250.00 | 4.00% | 3.93% | Monthly |
| 24 - 35 Months | $250.00 | 3.50% | 3.45% | Monthly |
| 36 - 47 Months | $250.00 | 3.00% | 2.96% | Monthly |
| 48 - 59 Months | $250.00 | 3.00% | 2.96% | Monthly |
| 60 Months | $250.00 | 3.00% | 2.96% | Monthly |
Frequently Asked Questions
A common strategy for savers is to divide the sum of money saved into equal amounts and open certificates with different maturing dates. This way you can take advantage of the higher rates on the longer terms while keeping some funds accessible for the near future.
- Terms from 3 to 60 months
- $250 minimum opening deposit and balance
- Compounded dividends paid monthly
- Guaranteed return on principal
All regular certificates can be opened as IRA certificates, unless otherwise noted. Minimum balance for all IRA certificates is $250.
1 APY = Annual Percentage Yield. Terms and conditions may vary by account.
2 All regular certificates can be opened as IRA certificates, unless otherwise noted. Minimum balance for all IRA certificates is $250.
3 There is a penalty for early withdrawal for all Certificates. Please see the Certificate Accounts section in the Patelco Member Handbook.