Start making your money work harder for you.

Earn flexible returns with a rate 3x the national average2 with our Flexible Rising Rate Certificate. Find security, convenience, and savings with our one-of-a-kind Plus Checking.

No matter what stage of your financial journey you are in, we have solutions built to benefit you.

Plus Checking

This one-of-a-kind checking account helps you establish stronger savings habits and take control of your financial life, while protecting everything you’ve worked so hard to achieve.

At only $6.95 a month, this account gives you over $642 a year in benefits3, including:

Identity Theft Protection
Protect you and your entire family with identity theft protection and insurance (up to $10,000 a year).

Worldwide ATM Fee Rebates3
Get automatically reimbursed for up to two ATM fees per month when you use your debit card at any ATM worldwide.

Automatic Round-Up Savings and 10% Match3
Save automatically by using your debit card. We’ll round up your total to the nearest dollar, match 10% of the rounded-up amount, and deposit it into your savings account.

See all the benefits included in Plus Checking. Learn More

Truly Free Checking

If you simply want a basic account without a lot of extras, you always have the option of our truly Free Checking Account – just convenience and security.

  • No monthly debit card or account fees
  • No minimum balance requirement
  • Online Banking and Mobile App with Anywhere Deposit
  • Free overdraft protection and transfers from your Patelco savings account
  • 30,000 free ATMs nationwide
  • 36 branches plus access to 6,000+ shared-service branches

Open your free checking account today. No Fees Please

1APY=Annual Percentage Yield. The Flexible Rising Rate Certificate will receive an automatic interest rate increase once per year on the anniversary date for the term of the certificate. For a period of ten (10) calendar days following the anniversary date you may withdraw some or all of your money with no penalty. Blended APY reflects the total interest that will be paid from all rising rates during the term of the certificate and assumes interest remains on deposit until maturity. At maturity, the Flexible Rising Rate Certificate will automatically renew as a standard, fixed share certificate of the same term at the prevailing rate. Minimum deposit is $250 for certificates and $250 for IRA certificates. Certificate dividends paid monthly. Penalty for early withdrawal for all certificates except as outlined above. 3x the national average according to fdic.gov/regulations/resources/rates/as of December 10, 2018.

2 Bankrate.com 12/31/18.

3 Identity, Credit, and Round-Up features all require enrollment. Insurance products are not a deposit, not NCUA insured, not an obligation by the Credit Union, its affiliates, and not guaranteed by any government agency. ATM fee rebates do not apply to any fees other than those assessed for using an ATM to withdraw cash from your Patelco Credit Union account. Cell phone protection is subject to additional terms and conditions. Participating merchants on Patelco Plus are not sponsors of the program, are subject to change without notice, may not be available in all regions and may choose to limit deals. Policies and account features subject to change without notice. Combined services valued at $642 per year based on research on websites for Lifelock, AT&T, Sprint, Verizon.