See your savings grow

You earn…

On your balance of:

3.00% APY

$1 – $2,000

2.00% APY

$2,000.01 – $5,000

1.00% APY

$5,000.01 – $10,000

0.50% APY

$10,000.01 – $50,000

0.25% APY

$50,000.01 – $100,000

0.20% APY

$100,000.01 – $9,999,999

For example:

A $5,000 deposit earns a blended APY of 2.40%

A $10,000 deposit earns a blended APY of 1.70%

A $25,000 deposit earns a blended APY of 0.98%

Calculate your blended APY on any deposit amount below.

Money Market Earnings Calculator

Enter your deposit amount to see how much your savings can earn each year.

($0 - $99,999,999)
Deposit Distribution APY
$0.00 3.00%
$0.00 2.00%
$0.00 1.00%
$0.00 0.50%
$0.00 0.25%
$0.00 0.20%

Simply plug in your deposit amount, and see how much you could be earning when you move your money to Patelco's Money Market Select Account3.

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 month2

Money Market Select IRA

Simple and straightforward retirement savings.

  • Earn up to 3.00% APY
  • No fees, no minimum balance
  • Deposits and withdrawals subject to IRA limitations4

Simple, secure benefits


30,000+ Free ATMs Nationwide

30,000+ Free ATMs Nationwide

Find the ATM location nearest you

Find an ATM
Online banking

Online & Mobile Banking

Online & Mobile Banking

Manage your money securely from virtually anywhere.

Discover Mobile Banking
No minimum balance

No Minimum Balance or Fees

No Minimum Balance or Fees

An easy way to make your hard earned money work harder

Direct Deposit

Unlimited Deposits

Unlimited Deposits

More flexibility to grow your savings

Overdraft Protection

Can be used as overdraft protection

Can be used as overdraft protection

No-cost peace of mind for your accounts

No penalty

No Overdraft Transfer Fee

No Overdraft Transfer Fee

With your Money Market account as overdraft protection, there's no transfer fee to replace overdrawn funds.


  1. APY=Annual Percentage Yield. Rates are valid as of 04/20/2018 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. Blended APY by tier: $1 - $2,000 is 3.00% APY; $2,000.01 - $5,000 is 3.00% - 2.40% APY; $5,000.01 - $10,000 is 2.40% - 1.70% APY; $10,000.01 - $50,000 is 1.70% - 0.74% APY; $50,000.01 - $100,000 is 0.74% - 0.50% APY; $100,000.01 - $9,999,999 is 0.50% - 0.20% APY. No minimum deposit required to open an account. Limit one Money Market Select Account and one Money Market Select IRA Account per account number.
  2. The 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.
  3. This calculator is for illustrative purposes only and does not reflect the actual results of any specific deposit amount.
  4. Consult a tax advisor about IRA tax advantages.

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