4.00% APY¹ 18-Month Certificate

No risk, more reward. Get a guaranteed return on your savings.

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Save with a Patelco Certificate

A Certificate (CD) is the perfect way to lock in a great rate, get a guaranteed return, and take the risk out of your portfolio. Plus, with a rate over 2 times the national average for 13-18 Month Certificates², we’ve got one of the best deals around! Your deposit is NCUA insured up to $250,000. Open Patelco’s 18-Month Certificate today.

See how Patelco stacks up against the competition²

ID	Institution	Term	APY ²	Display Order	Default Display Rate	Minimum balance	Maximum balance
20158	Patelco Credit Union	18-Month	5.00	1	4.00%	$250.00	$500,000.00
20156	Citibank	18-Month	4.15	2
20155	Bank of the West⁴	18-Month	0.05	4
20142	Bank of America³	13-Month	3.80	3

Open your certificate with as little as $250

Grow your savings faster

Lock in one of the highest rates around.

Guaranteed return

Get rid of the market risk and earn a great return.

Save for your big or small goals

Enjoy more flexibility on shorter terms.

¹ APY (Annual Percentage Yield) as of 03/03/2023. The 4.00% APY 18-Month IRA Certificate special offer is subject to end at any time without notice. Terms and conditions may vary by account. Minimum balance for all certificates is $250.00. Maximum balance is $500,000.00. There is a penalty for early withdrawal for all certificates. Please see the Certificate Accounts section in the Patelco Member Handbook for details.

² Data provided by Informa as of 02/28/2023.

³Source: www.bankofamerica.com as of 02/28/2023.

⁴Source: www.bankofthewest.com as of 02/28/2023.

4.00% APY1 18-Month Certificate