Natalie H.
As a married couple looking into homebuying for the first time, we were very hesitant about talking to a financial institution out of concern for being sold on something that wasn’t reasonable for our finances or lifestyle…This is a really big deal for us, and we’re so grateful to be able to work with a […]
Mihdi M.
Over 14 years ago, I walked into a Patelco branch and it turned out to be the best banking experience of my life. The staff there were incredibly friendly and attentive to their customers. Patelco’s fraud protection measures were top-notch. Patelco not only educates its customers but also listens to their needs and works with […]
Tiffany C.
Very nice, helpful and accommodating. Offer to non-members to cash checks drawn from a Patelco account fee-free and minimum verification requirements. And I arrived 8 minutes before closing and they were still open until 6pm, which is the time stated online and did not close 5-10 minutes early like others do! Thank you for a […]
Jennifer E.
Way back when the banks were starting to charge fees for everything, I got a letter from my bank telling me that I would be charged to use my debit card! Around the same time, I saw that there was a movement about dropping your bank and going to a credit union to send a […]
Kevin H.
I have been a member of Patelco Credit Union for several years now, and I cannot express enough how pleased I am with the outstanding service I consistently receive…at Patelco, they know me by name when I walk in the door! Overall, Patelco Credit Union, thanks to exceptional team members, has exceeded my expectations. I […]
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1 APY=Annual Percentage Yield. Rates are effective as of 03/01/2025 and are subject to change before or after account opening without notice. Rates vary by tier and apply to the full balance.
The following variable interest rates will apply to your account balance: 4.00% APY on balances of $250,000.00 or greater, 4.00% APY on balances between $100,000.00 and $249,999.99, 3.51% APY on balances between $50,000.00 and $99,999.99, 3.00% APY on balances up to $49,999.99.
In order to attain higher interest rates the account must meet the eligibility requirements, that is a Patelco checking account (opened under the same Member Number) with a total monthly deposit of $500 or more. If the account fails to meet eligibility, the lower interest rate of 0.05% APY will be defaulted. 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, 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, chargebacks or promotional incentive payments from Patelco.
For more details, read our Money Market Plus Account Overview.
* Rate at 3.96x California Average: Data from Informa rates as of 02/26/2025 on balances of $250,000.
