Better rates, more savings and all about YOU.

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

Financial wellness: It starts here

As a member-owned, not-for-profit financial cooperative, we’re excited to bring our pursuit of financial wellness to the Sunnyvale community. We have your best financial interest at heart. That’s why our unique products and services are designed and priced to support a healthier financial future for our members. Everything we offer – from checking accounts to digital options to personal financial counseling – is designed with members in mind.

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 principal2
  • $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% APY Money Market Select Account3. 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

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

2 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.

3 Source:, 8/20/2018.