Better rates, more savings and all about YOU

  • Discover all that Patelco has to offer. Membership is free!
  • 37 branches in Northern California
  • Access to over 30,000 ATMs worldwide
  • 6,000 shared branches
  • Bank anywhere with mobile deposit, online banking and bill pay

Financial wellness: It starts here

As a member-owned, not-for-profit credit union, we’re excited to bring our pursuit of financial wellness to the Novato community. We have your best financial interest at heart. That’s why we reinvest the dollars we make right back to our members — giving you fewer fees and better rates than the big banks.

Whether you’re looking for a new financial partner or just curious about what we have to offer, we’re excited to work hand-in-hand with you to create a personalized plan that can help you reach your goals.

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

We offer Mastercard® credit cards which will fit right into your life and your wallet. You’ll save money with rates that are half of those of the big banks. Find the right card for your life.

See your savings grow

Make your money work harder for you and reach your goals sooner with our 3.00% APY² Money Market Select Account. You’ll earn a top rate while keeping your money liquid.

Visit to learn more.


You earn: On your balance of: It adds up to:
(blended APY)
3.00% APY $1-$2,000
2.00% APY $2000.01 - $5,000 2.40% on $5,000
1.00% APY $5,000.01 – $10,000 1.70% on $10,000
0.50% APY $10,000.01 – $50,000
0.98% on $25,000

¹ APY=Annual Percentage Yield. Minimum deposit is $1,000 for Certificates and $500 for IRA Certificates. Certificate dividends paid monthly. Penalty for early withdrawal for all certificates. Please see the Certificate Accounts section in the Member Handbook and Member Handbook Fee Schedule. Terms and conditions vary by account. For specific tax advice, please consult a qualified tax professional. Rates subject to change at any time.

² APY=Annual Percentage Yield. Rates are valid as of 03/20/2019 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 deposited is held in the account for one year. Withdrawing funds before one year will result in a different realized rate. Blended APY for higher tiers: $1 - $2,000 is 3.00% APY; $2,000.01 - $5,000 is 3.00% - 3.40% 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.

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