Tiered Savings

A low-fee account with above-market interest.

  • Low- to no-cost, dividend-paying account
  • No opening deposit
  • No minimum balance
  • Check today's rates

 

Money Market Select

Earn one of the highest rates in the nation*

  • 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
  • Use our calculator to calculate your blended APY
  • Check today's rates

Share Certificates

Secure earnings with a guaranteed return.

  • Terms from 3 to 60 months
  • Guaranteed return on principal1
  • $1,000 minimum opening deposit and balance
  • Compounded dividends paid monthly
  • Balances insured up to $250,000 through NCUA
  • Check today's rates

Traditional IRA

Enjoy tax-advantaged1, guaranteed 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

Roth IRA

Secure earnings with tax-free growth and withdrawals.2

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

Coverdell Education Savings Account (ESA)

Tax-deferred savings for all things education.

  • Savings for elementary, secondary, and higher-education expenses
  • Share Certificate account option offers competitive rates with terms from 3-60 months
  • Money Market Select Account option offers competitive tiered rates
  • All interest earnings and education expense-related withdrawals are tax-free
  • Annual contribution limit is $2,000 per designated beneficiary
  • $2 monthly fee
  • Free for Patelco Commitment Household Members
  • Learn more about ESA contributions
  • Check today's rates

Holiday Club Savings

An easy, convenient way to save for the holidays.

  • No monthly fee or deposit limits
  • Make deposits anytime, in any amount
  • Monthly automatic transfers from your Patelco Checking or Savings Account
  • Automatically renews to help you save money for the next year
  • Balance and dividends automatically transfer to linked Holiday Club share savings account on November 15
  • $20 minimum to open
  • Check today's rates

Youth Savings

Teach them the joys of saving

  • Totally fee-free: no monthly, or low-balance fees
  • No minimum deposit or balance
  • Your first $1 deposit is on us!
  • Ages 13-17
  • Add a Checking Account and receive free first order of checks. You can also add an ATM Card or a Mastercard Debit Card*

*All Youth Account deposits must be made in branch. No ATM deposits accepted.

Start them off on the right financial foot

YOUTH SAVINGS

$0/month

No monthly fee

$1 opening deposit is on us

No minimum balance

Unique Features

  • For youth ages 13-17:
    • Savings + Checking + ATM/Debit card
    • Account must be opened at a Patelco branch
    • $100 daily ATM card withdrawal limit
    • $200 daily Mastercard™ Debit Card withdrawal limit
 
OPEN TODAY

HOLIDAY CLUB SAVINGS

$0/month

No monthly fee

$20 opening deposit

$20 monthly deposit minimum

Check rates

Unique Features

  • Dividends paid at maturity on November 15
  • Funds transfer automatically to your share account on November 15
OPEN TODAY

TIERED SAVINGS

$5/month*

Low-to no-cost, dividend-paying account

No opening deposit

No minimum balance

Unlimited access to your funds

Check rates

*Monthly fee waived if:

  • Total shares on deposit are $150 or more, includes savings, checking, share certificate, IRA, and money market balances OR
  • You have a Patelco loan, credit card, line of credit, or Free Checking Account OR
  • You are a Commitment Household member
OPEN TODAY

MONEY MARKET SELECT

$0/month

  • Pays higher dividends on lower balances
  • No minimum balance or monthly fees
  • Unlimited deposits
  • Up to six withdrawals or transfers monthly
  • Check rates
OPEN TODAY

SHARE CERTIFICATE

$0/month

  • Terms from 3 to 60 months
  • Guaranteed return on principal1
  • $1,000 minimum opening deposit and balance
  • Balances insured up to $250,000 through NCUA
  • Check rates
OPEN TODAY

TRADITIONAL IRA

$0/month

  • Share Certificate option with 3-60 month terms OR
  • Money Market Select Account option for tiered savings
  • Guaranteed return on principal1
  • Check rates
OPEN TODAY

ROTH IRA

$0/month

  • Share Certificate option with 3-60 month terms OR
  • Money Market Select Account option for tiered savings
  • Contributions are post-tax and grow tax-deferred
  • Check rates
OPEN TODAY

COVERDELL EDUCATION SAVINGS ACCOUNT

$0/month

  • Share Certificate option with 3-60 month terms OR
  • Money Market Select Account option for tiered savings
  • Earnings grow tax-free
  • Withdrawals are tax-exempt when used to pay for qualified education expenses
  • Check rates

 

Unique Features
Coverdell ESAs can be used for elementary and high school expenses as well.
OPEN TODAY

Secure savings benefits include:

Free Direct Deposit

Free Direct Deposit

Get paid ASAP

Learn more

30,000+ Fee-free ATMs nationwide

30,000+ Fee-free ATMs nationwide

Find the ATM location nearest you

Get started

Mastercard® Debit Card

Mastercard® Debit Card

The convenient and secure way to pay in person or online

Online & Mobile Banking

Online & Mobile Banking

Manage your money securely from virtually anywhere.

Learn more
Overdraft Protection

Free Overdraft Protection

Free Overdraft Protection

Say goodbye to fees and overdrawn accounts

Learn more

Free Overdraft Transfers

Free Overdraft Transfers

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

*APY=Annual Percentage Yield. Rates are valid as of 4/20/18 for balances up to $2,000 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.

Source: Bankrate.com

  1. If you withdraw principal from a certificate account prior to maturity, an early withdrawal penalty will apply. Please see the Certificate Accounts section in the Patelco Member Handbook (PDF) for details.
  2. For certificates with terms 12-months or greater; otherwise dividends are compounded and paid at maturity. There is a penalty for early withdrawal for all Certificates. Please see the Certificate Accounts section in the Member Handbook and also review the Member Handbook Fee Schedule. Terms and conditions vary by account.
  3. APY = Annual Percentage Yield. Dividend Rates and Annual Percentage Yield (APY), are subject to change at any time.
  4. Consult a tax advisor about IRA tax advantages
  5. If you withdraw principal from a certificate account prior to maturity, an early withdrawal penalty will apply. Please see the Certificate Accounts section in the Patelco Member Handbook (PDF) for details.
  6. For certificates with terms 12-months or greater; otherwise dividends are compounded and paid at maturity. There is a penalty for early withdrawal for all Certificates. Please see the Certificate Accounts Member Handbook and also review the Member Handbook Fee Schedule. Terms and conditions vary by account.
  7. APY = Annual Percentage Yield. Dividend Rates and Annual Percentage Yield (APY), are subject to change at any time.
  8. Consult a tax advisor about IRA tax advantages
  9. If you withdraw principal from a certificate account prior to maturity, an early withdrawal penalty will apply. Please see the Certificate Accounts section in the Patelco Member Handbook (PDF) for details.
  10. For certificates with terms 12-months or greater; otherwise dividends are compounded and paid at maturity. There is a penalty for early withdrawal for all Certificates. Please see the Certificate Accounts section in the Member Handbook and also review the Member Handbook Fee Schedule. Terms and conditions vary by account.
  11. APY = Annual Percentage Yield. Dividend Rates and Annual Percentage Yield (APY), are subject to change at any time.
  12. Consult a tax advisor about IRA tax advantages
  13. A distribution from a Roth IRA is tax-free and penalty-free provided that the five-year aging requirement has been satisfied and one of the following conditions is met: age 59½, death, disability, qualified first time home purchase.