The right checking account can build a strong foundation — find one tailored to your unique needs.
The right savings account helps you grow toward your goals — find one that fits your needs and lifestyle.
Manage your Patelco accounts effortlessly with our comprehensive support services.
Low rates, no annual fees — Patelco credit cards fit every lifestyle and financial goal.
Flexible loans and lines of credit to consolidate debt or cover life’s big expenses
Flexible lending options and programs for new and existing homeowners.
Take advantage of one of life’s biggest investments.
Drive off with an affordable new or used vehicle, or save on one you already own.
Have your fun and freedom with a great loan that fits into your financial plan.
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Up to $50,000. As low as 11.65% APR.
Get support managing your personal loans and much more.
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Comprehensive insurance solutions to protect your assets and loved ones.
Complimentary one-on-one guidance from our Certified Financial Specialists.
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We provide a number of banking solutions to help your small business grow with peace of mind and personalized service.
Help your business grow with the convenience of our worry-free checking account.
Enjoy the convenience of higher transaction limits with low monthly fees.
Earn rewards points on your purchases with extra security features, tools and benefits.
Ensure peace of mind and keep your business going with overdraft protection.
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A convenient, secure account that helps your business grow with no monthly fee.
Get the most out of your Patelco Business relationship with a rate as high as 3.25% APY.
Meet with our Virtual BranchTM to open your account from the comfort of your home or business. You can schedule a video appointment or meet instantly with a Patelco team member.
Patelco’s Digital Banking provides secure, convenient access to your accounts anytime, anywhere. Manage your finances effortlessly with our comprehensive suite of online and mobile services.
Sign up for Patelco Online™ to access and manage your accounts securely.
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Patelco Credit Union is a full-service, not-for-profit financial cooperative dedicated to helping members and communities prosper. With nearly $10 billion in assets and over 550,000 members nationwide, we are one of the largest credit unions in the nation.
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A certificate offers a higher dividend rate with guaranteed return for the term of the deposit.
4.25% APY1
$250.00
7-Month New Money
A certificate lets you earn a fixed, higher rate than a traditional savings account when you leave your money untouched for the full term of the certificate. The money is insured by the National Credit Union Administration (NCUA) for up to $250,000. See our exciting promotional offers below.
A limited-time promotional offer for new money only. See below for more details.1
Strike the perfect balance between return and flexibility with this mid-range option.2
Certificates are insured up to $250,000 by NCUA (or $500,000 in a joint account for two people)
Choose from 3 to 60 months
Access your certificates and accounts on the go
Receive alerts for certificate renewal
Rates Effective 08/07/2026
Min. Balance
Min Balance
3 – 5 Months
6 – 11 Months
13-Month Promo
12 – 17 Months
18 – 23 Months
24 – 35 Months
36 – 47 Months
48 – 59 Months
60 Months
7-Month Promo*
Patelco is a member owned, not-for-profit financial cooperative. When you join Patelco, you become a member and a shareholder. That’s why we’ll deposit one share ($1) in your Share Savings account when you join. Our mission is to help members achieve lifelong financial well-being so you can live happier, fuller lives. Unlike the big banks or other for-profit financial institutions, we invest our profits back in our members with better rates and low- to no fees. We also offer free financial advice to anyone who wants to improve their financial situation. Members have told us that they feel seen, heard, informed, and supported to make more confident financial choices. Membership is free. You become a member when you open an account with us.
A certificate offers a higher fixed rate with a guaranteed return if you don’t need to keep your money liquid. It is a safe investment because it’s insured by NCUA for $250,000 (or $500,000 in a joint account for two people). There is no risk of losing money on a certificate, except if you withdraw early.
Certificate accounts give you a fixed dividend rate and APY over the specified term. On certificates with terms less than 12 months, dividends are compounded and credited at maturity. For certificates with terms longer than 12 months, dividends are compounded and credited monthly on the last of the month. For limited-time certificate promotions, dividend rates may be paid monthly on terms lesser than 12 months.
Unless otherwise specified, all certificate accounts are subject to early withdrawal penalties, if funds are withdrawn within six calendar days of account opening or renewal, the penalty will be seven days’ dividends on the entire account balance.4
Yes. All regular certificates can be opened as IRA certificates, unless otherwise noted. Minimum balance for all IRA certificates is $250.
New Money means funds originating from outside Patelco and not transferred from any existing Patelco account, including checking, savings, money market, certificate, or IRA accounts. Funds transferred between Patelco accounts do not qualify. Funds deposited to Patelco from an external financial institution within 10 calendar days prior to opening the promotional certificate will be considered New Money for purposes of this promotion.
A common strategy for savers using share certificates 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.
All regular certificates can be opened as IRA certificates, unless otherwise noted. Minimum balance for all IRA certificates is $250.
Share certificates are a type of savings account offered only by credit unions. This guide explains what share certificates are, how they work, and their benefits.
Considering opening a savings account? Get answers to what is a savings account and the different types you have to choose from.
Learn how a money market account works, the benefits and drawbacks, how to choose the best MMA for you, and tips for using one effectively.
1 Rate as of 08/07/2026. New Money means funds originating from outside Patelco and not transferred from any existing Patelco account, including checking, savings, money market, certificate, or IRA accounts. Funds transferred between Patelco accounts do not qualify. Funds deposited to Patelco from an external financial institution within 10 calendar days prior to opening the promotional certificate will be considered New Money for purposes of this promotion. Patelco reserves the right to determine and verify eligibility for this offer. Offer subject to end at any time.
2 APY = Annual Percentage Yield. Terms and conditions may vary by account. All regular certificates can be opened as IRA certificates, unless otherwise noted. Minimum balance for all Certificates and 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.
