No Risk

4.00% APY1 18-Month Certificate or IRA Certificate

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

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Choose from a Certificate (CD) or IRA Certificate and save today

If you’re like many of us, your investments moved in the wrong direction last year. Choose between a traditional Certificate (CD) or an IRA Certificate and ditch the risk!

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!

Our IRA Certificate offers all the amazing benefits of a Certificate (CD), plus can provide additional tax advantages.3 Open an IRA and:

  • Transfer an existing IRA
  • Roll over a 401(k) from a previous employer
  • Make your 2022 and 2023 IRA contributions to maximize tax savings3

Your deposit is NCUA insured up to $250,000. We’re standing by to help you.

Open your account with Patelco today! Questions? Give us a call at 800.358.8228 x 1212.

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See how Patelco stacks up against the competition2

InstitutionTermAPY 1
20159Bank of America413-Month3.803
20160Bank of the West518-Month0.054
20161Citibank 18-Month4.152
20162Patelco Credit Union 18-Month5.0014.00%$250.00$500,000.00

Open your Certificate or IRA Certificate today

Grow your retirement savings

Lock in one of the highest rates around

Guaranteed return

Get rid of the market risk and earn a great return

Save for your long-term goals

Make your future rewarding with a Patelco Certificate or IRA Certificate

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.

3 Consult tax advisor about IRA tax advantages.

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

5Source: www.bankofthewest.com as of 02/28/2023.

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