Ramp up your retirement fund
It's never too early, or late, to start saving for your retirement. It's well worth your time and effort, but there's no single formula for everyone. Your unique needs will be determined by many factors, such as your lifestyle, spending habits, health, family situation and more. Assessing what you might need and the types of products that might help you is a great start. So tell us:
Your retirement savings at a glance
Products and services that can help
We’ve pulled together the best products and services to help reach your retirement goals. Explore these options, and then let’s talk. If you’re a Patelco member, we highly recommend starting with a complimentary first-time consultation with one of our Financial Advisors, available through CUSO Financial Services, L.P. (“CFS”)*. A Financial Advisor can help you define your goals and create a custom retirement plan just for you.
*Investments are not insured, not deposits, and may lose value.
Traditional IRA
Enjoy tax-advantaged earnings*.
All IRAs have these benefits:
- Withdrawals that are penalty-free once IRA owner reaches 59 1/2
- Possible tax deduction, based on income and retirement plan participation
Deposit products held in your IRA offer:
- Guaranteed return on principal with automatic renewal at maturity
- Share Certificate account option with competitive rates and terms from 3-60 months
- Money Market Select Account options with competitive tiered rates and no minimum
- Minimum IRA Certificate opening deposit of $500
- Withdrawals are penalty-free once IRA owner reaches age 59 1/2
- Federally insured up to $250,000
- Learn more about IRA contributions
- Check today's rates
*Please consult your tax advisor
Roth IRA
Secure earnings with tax-free growth and withdrawals.*
All Roth IRAs have these benefits:
- Funded with after-tax dollars
- Withdrawals are tax-free*
Deposit products held in your IRA offer:
- Guaranteed return on principal with automatic renewal at maturity
- Share Certificate account option with competitive rates and terms from 3-60 months
- Money Market Select Account option with competitive tiered rates
- Minimum IRA Certificate opening deposit is $500; no minimum deposit for money market
- Federally insured up to $250,000
- Learn more about IRA contributions and limits
- Check today's rates
*Please consult your tax advisor
Money Market Select
Earn one of the highest rates around*
- 3.00% APY* on balances up to $2,000
- Liquid savings
- No fees, no minimum balance
- Dividends paid monthly
- Free checks
- Up to 6 withdrawals or transfers per month1
- Use our calculator to calculate your blended APY
- Check today's rates
*Source: Bankrate.com, APY = Annual Percentage Yield
Share Certificate
Secure earnings with a guaranteed return.
- Terms from 3 to 60 months
- Guaranteed return on principal
- $1,000 minimum opening deposit and balance
- Compounded dividends paid monthly
- Balances insured up to $250,000 through NCUA
- Check today's rates
Financial Advisor Services
We'll help you plan for retirement with investments
available through CFS*.
- Complimentary financial consultation
- Customized investment strategy and retirement analysis
- Financial Advisors registered through CUSO Financial Services, L.P. (“CFS)* located in every Patelco branch
*Securities offered through CFS(Member FINRA/SIPC)
Not NCUA/NCUSIF insured, Not credit union guaranteed, May lose value.
Roth IRA
Secure earnings with tax-free growth and withdrawals.*
All Roth IRAs have these benefits:
- Funded with after-tax dollars
- Withdrawals are tax-free*
Deposit products held in your IRA offer:
- Guaranteed return on principal with automatic renewal at maturity
- Share Certificate account option with competitive rates and terms from 3-60 months
- Money Market Select Account option with competitive tiered rates
- Minimum IRA Certificate opening deposit is $500; no minimum deposit for money market
- Federally insured up to $250,000
- Learn more about IRA contributions and limits
- Check today's rates
*Please consult your tax advisor
Money Market Select
Earn one of the highest rates around*
- 3.00% APY* on balances up to $2,000
- Liquid savings
- No fees, no minimum balance
- Dividends paid monthly
- Free checks
- Up to 6 withdrawals or transfers per month1
- Use our calculator to calculate your blended APY
- Check today's rates
*Source: Bankrate.com, APY = Annual Percentage Yield
Share Certificate
Secure earnings with a guaranteed return.
- Terms from 3 to 60 months
- Guaranteed return on principal
- $1,000 minimum opening deposit and balance
- Compounded dividends paid monthly
- Balances insured up to $250,000 through NCUA
- Check today's rates
Financial Advisor Services
We'll help you plan for retirement with investments
available through CFS*.
- Complimentary financial consultation
- Customized investment strategy and retirement analysis
- Financial Advisors registered through CUSO Financial Services, L.P. (“CFS)* located in every Patelco branch
*Securities offered through CFS(Member FINRA/SIPC)
Not NCUA/NCUSIF insured, Not credit union guaranteed, May lose value.
Traditional IRA
Enjoy tax-advantaged earnings*.
All IRAs have these benefits:
- Withdrawals that are penalty-free once IRA owner reaches 59 1/2
- Possible tax deduction, based on income and retirement plan participation
Deposit products held in your IRA offer:
- Guaranteed return on principal with automatic renewal at maturity
- Share Certificate account option with competitive rates and terms from 3-60 months
- Money Market Select Account options with competitive tiered rates and no minimum
- Minimum IRA Certificate opening deposit of $500
- Withdrawals are penalty-free once IRA owner reaches age 59 1/2
- Federally insured up to $250,000
- Learn more about IRA contributions
- Check today's rates
*Please consult your tax advisor
Money Market Select
Earn one of the highest rates around*
- 3.00% APY* on balances up to $2,000
- Liquid savings
- No fees, no minimum balance
- Dividends paid monthly
- Free checks
- Up to 6 withdrawals or transfers per month1
- Use our calculator to calculate your blended APY
- Check today's rates
*Source: Bankrate.com, APY = Annual Percentage Yield
Share Certificate
Secure earnings with a guaranteed return.
- Terms from 3 to 60 months
- Guaranteed return on principal
- $1,000 minimum opening deposit and balance
- Compounded dividends paid monthly
- Balances insured up to $250,000 through NCUA
- Check today's rates
Financial Advisor Services
We'll help you plan for retirement with investments
available through CFS*.
- Complimentary financial consultation
- Customized investment strategy and retirement analysis
- Financial Advisors registered through CUSO Financial Services, L.P. (“CFS)* located in every Patelco branch
*Securities offered through CFS(Member FINRA/SIPC)
Not NCUA/NCUSIF insured, Not credit union guaranteed, May lose value.
Money Market Select
Earn one of the highest rates around*
- 3.00% APY* on balances up to $2,000
- Liquid savings
- No fees, no minimum balance
- Dividends paid monthly
- Free checks
- Up to 6 withdrawals or transfers per month1
- Use our calculator to calculate your blended APY
- Check today's rates
*Source: Bankrate.com, APY = Annual Percentage Yield
Share Certificate
Secure earnings with a guaranteed return.
- Terms from 3 to 60 months
- Guaranteed return on principal
- $1,000 minimum opening deposit and balance
- Compounded dividends paid monthly
- Balances insured up to $250,000 through NCUA
- Check today's rates
Financial Advisor Services
We'll help you plan for retirement with investments
available through CFS*.
- Complimentary financial consultation
- Customized investment strategy and retirement analysis
- Financial Advisors registered through CUSO Financial Services, L.P. (“CFS)* located in every Patelco branch
*Securities offered through CFS(Member FINRA/SIPC)
Not NCUA/NCUSIF insured, Not credit union guaranteed, May lose value.
All calculators and calculations are provided and powered by CalcXML
1The maximum number of checks that may clear is three (3) in any calendar month period. Certain withdrawal limits apply to Money Market Accounts and contributions to and withdrawals from the Money Market Select IRA Account are subject to IRS limitations, be sure to view the Member Handbook and the Money Market Select Handbook Addendum for details.