The Patelco Difference

As a member-owned, not-for-profit credit union, we have our members’ best interests at heart. Join Patelco and gain a trusted lifelong partner that puts your financial well-being first. It’s free and easy to become a member.

Money Market Savings

Earn one of the best money market rates in the nation.1

Open Account

Unlike the big banks, we actually pay a higher rate if you are just starting out so you can reach your savings goal faster.

  • 3.00% APY2 on balances up to $2,000.00
  • No fees, no minimum balance
  • Guaranteed growth and safety
  • Up to six withdrawals or transfers per month
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


Free Checking

No hassles, no fees- just convenience and security.

Open Account

Stop worrying about hidden fees. When we say free, we mean it. Compare the savings in the chart below.

  • $0 monthly fee
  • No minimum balance
  • Overdraft transfers from savings or line of credit
  • Debit Mastercard with price protection for purchases
Free Checking
Bank of America
Advantage Plus Banking
Wells Fargo
Everyday Checking
Monthly Fee $0 $12 $10
Opening Deposit
$10 $100 $25
Minimum Daily Balance
to avoid monthly fee
$0 $1500 $1500
Direct Deposit Qualifier
to avoid monthly fee
No qualifier required Minimum $250 Minimum $500


We’re here for the stuff that matters. For us, that’s you.

Banking made easy

Online banking

24/7 online banking

24/7 online banking

Manage your money anytime, anywhere.


30,000+ fee-free ATMs nationwide

30,000+ fee-free ATMs nationwide

38 branches serving Northern California.

Check Balance

Mobile App

Mobile App

Easy money management with bill pay, remote deposit, and person-to-person payment.


1. 01/03/2020

2. APY=Annual Percentage Yield. Rates are valid as of 01/03/2020 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: $0.00 - $2,000.00 is 3.00% APY; $2,000.01 - $5,000.00 is 3.00% - 2.40% APY; $5,000.01 - $10,000.00 is 2.40% - 1.70% APY; $10,000.01 - $50,000.00 is 1.70% - 0.74% APY; $50,000.01 - $100,000.00 is 0.74% - 0.50% APY; $100,000.01 - $9,999,999.99 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.