Discover the Patelco Difference

3.00% APY Money Market Select Account

Earn 3.00% APY1 on balance of $2,000. Grow your savings, save for an emergency fund and get where you want to be faster.

  • One of the best money market rates in the nation2
  • Guaranteed growth, safety and security
  • No fees, no minimum deposit
  • Federally insured by NCUA
  • 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

Calculate your blended APY on any deposit amount.

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Plus Checking

This one-of-a-kind checking account helps you establish stronger savings habits. At only $6.95 a month, this account gives you over $642 a year in benefits.

  • Identify theft protection
  • Worldwide ATM fee rebates³
  • Automatic round-up savings and 10% match³
  • Credit monitoring and much more

Check out the full benefits of Plus Checking. Learn more.

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Free Checking

Always free, always easy. If you simply want a checking account without a lot of extras, open a Free Checking Account – just convenience and security.

  • $0 monthly fee
  • No minimum balance
  • Overdraft transfers from savings or line of credit
  • Free Debit Mastercard® Card
  • Free Mastercard ID Theft Protection

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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. APY=Annual Percentage Yield. Rates are valid as of 9/30/2019 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: $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.

2. 9/30/19.

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.

There’s no fee to join and your membership includes a free savings account. Patelco will deposit $1 in your saving account upon qualified account opening.