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

A coin being deposited into a piggybank.

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

 

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Top-rated Mobile App and Online Banking

Access your accounts on the go

Set Up Alerts

Receive alerts for certificate renewal

Certificates2

  Rates Effective 12/20/2022

Term

Min. Balance

APY1

Rate

Dividends Paid

3 - 5 Months $250.00 0.25% 0.25% At Maturity
6 - 11 Months $250.00 0.95% 0.95% At Maturity
12 - 17 Months $250.00 2.00% 1.98% Monthly
14 Months (special) $250.00 4.30% 4.22% Monthly
18 - 23 Months $250.00 2.25% 2.23% Monthly
24 - 35 Months $250.00 2.25% 2.23% Monthly
36 - 47 Months $250.00 2.30% 2.28% Monthly
48 - 59 Months $250.00 2.40% 2.37% Monthly
60 Months $250.00 2.50% 2.47% Monthly

IRA Certificates2

  Rates Effective 12/20/2022

Term

Min. Balance

APY1

Rate

Dividends Paid

3 - 5 Months $250.00 0.25% 0.25% At Maturity
6 - 11 Months $250.00 0.95% 0.95% At Maturity
12 - 17 Months $250.00 2.00% 1.98% Monthly
18 - 23 Months $250.00 2.25% 2.23% Monthly
24 - 35 Months $250.00 2.25% 2.23% Monthly
36 - 47 Months $250.00 2.30% 2.28% Monthly
48 - 59 Months $250.00 2.40% 2.37% Monthly
60 Months $250.00 2.50% 2.47% Monthly

Frequently Asked Questions

Certificate Ladder Strategy

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
A Millennial reviews her IRA account on her phone with Patelco Online.
IRA Certificates

All regular certificates can be opened as IRA certificates, unless otherwise noted. Minimum balance for all IRA certificates is $250.


Open Account

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.