1 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 or 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®. $6.95 monthly fee applies.
2 APY=Annual Percentage Yield. Rates are valid as of 12/1/2022 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 entered is held in the account for one year. Withdrawing funds before one year will result in a different realized rate. 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 Bankrate.com 12/1/2022.
4 LevelUp our automatic rate reduction program is offered to members who are approved for the following loans at Patelco’s credit tier 2 or higher: auto, motorcycle, RV, boat, and personal loans, excluding Seasonal Loans and all lines of credit. Total discount of up to 1.50% APR (Annual Percentage Rate) applied in 0.50% APR increments for every 12 consecutive on-time monthly payments. Maximum discount will never cause the final APR to be lower than the floor rate for the specific loan and term at time of funding. Monthly payment amount remains constant, with additional money going toward principal, which shortens the term of the loan and the total amount paid over the life of the loan.