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With Patelco, you’re not just earning interest. You’re earning possibilities.

Patelco offers a suite of options to help you be a successful saver. If you’re saving for an emergency fund, about to make a major purchase soon, or just need more time to decide on your next move, our new Money Market Plus account is the perfect account for anyone who wants easy access to their money at an outstanding 3.00% APY1 — that’s 5x the national average2.

To unlock the benefits and earn 3.00% APY on your Money Market Plus account, you must also:

  1. Open a Patelco Free Checking account with no monthly fees, no overdraft fees3, and no minimum balance requirements.
  2. Make a minimum of $500 in recurring monthly deposits into your Free Checking account. Simply switch your paycheck to Patelco and get paid up to 2 days faster with direct deposit4.

Money Market Plus + Free Checking = Win. Win.

$0 Monthly Fee

No minimum balance or opening deposit requirements

Your money is safe

NCUA insured up to $250,000 for individuals ($500,000 for joint owners)

30,000+ Fee-free ATMs

Find one near you on our Mobile App

Debit Mastercard® Card

Add to your digital wallet and pay with confidence with Zero Liability Protection

Move money with ease

Transfer between accounts quickly and securely

Top-rated Mobile App5

Manage your money on the go

4.75% APY6 11-Month and 21-Month Certificates

If you want a higher return and don’t need your funds in the near future, you can lock in an outstanding rate with our limited-time certificate specials. A certificate, also commonly known as a CD, lets you lock in a high yield with a guaranteed return for a fixed term. If you think that rates might be coming down next year, a longer term may be your best bet.
Want to talk to someone?

Meet on Zoom with our Virtual Branch — where you can drop in or schedule an appointment to meet virtually from the comfort of your home or office. Prefer to visit a branch? Find a Patelco location near you (appointments available too!)

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1 APY=Annual Percentage Yield. Variable rates are valid as of 05/03/2023 and are subject to change after account opening without notice. A Patelco checking account (opened under the same Member Number) with total monthly deposits of $500 or more is required to receive the higher interest rate (dividend rate). If the Money Market Plus account does not meet the requirement 3 calendar months after the account is opened, the lower interest rate of 0.05% APY will be applied to the account until the requirements are met. Qualifying deposit transactions include: payroll direct deposits; Social Security (or other government benefit) direct deposits; ACH transfers; Zelle, Venmo, PayPal or other similar deposits; cash deposits; check deposits (except checks written from another Patelco account); wire transfers; or multiple deposits (of the types listed above) that add up to at least $500 in a calendar month. Qualifying deposit transactions do not include Patelco account-to-Patelco account transfers.

For more details, read our Money Market Plus Account Overview.

2 Informa as of 4/17/2023.

3 Link your Money Market Plus to your Free Checking for overdraft protection. Or enroll in Instant BackUp on your checking account to receive overdraft coverage up to $500. You’ll pay interest only on the amount you borrowed for the amount of time it’s outstanding. No overdraft fees apply to checking accounts opened after 04/05/23.

4 Early access to direct deposit funds depends on the timing of the receipt of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date.

5 Source: over 22,000 five-star reviews on the App Store.

6 APY (Annual Percentage Yield) as of 08/01/2023. The 4.75% APY 11-Month and 21-month special offer is subject to end at any time without notice. Terms and conditions may vary by account. Both the 11-month and 21-month Certificates are available for IRA Certificates. The minimum balance for the certificates is $250 and the maximum balance is $500,000. There is a penalty for early withdrawal for all certificates. Please see the Certificate Accounts section in the Patelco Member Handbook for details.


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