Routing # 321076470

Money Market Select

Named 2023 Best Money Market Account for small balances by Investopedia.


Build your savings and earn up to 2.00% APY1

Like a savings account, our Money Market Select account pays interest and is insured by the National Credit Union Administration (NCUA). The difference is that this account lets you write checks2, and is a reverse tier account — so it offers higher rates than a traditional savings account for smaller balances.
Learn more about what a money market account is and how having one can benefit you.

Product Benefits

Top-rated Mobile App3 and Online Banking

Access your accounts on the go

Unlimited Deposits

Set up monthly direct deposits or automatic transfers and grow your savings

30,000+ Fee-free ATMs

Find one near you on our Mobile App

Overdraft Protection for your Checking Account

Link to your checking and pay no overdraft fees

Free Checks

Easy access to your money

Insured by NCUA

Safe, secure way to save

Money Market Select Account and Money Market Select IRA

Rates Effective 08/01/2024

TermTier

Min. Balance

Min Balance

Max BalanceAPY1RateDividends Paid
179901None1$0.00$2,000.002.001.98Monthly08/01/2024
186412None2$2,000.01$5,000.001.501.49Monthly12/01/2022$130,000+ Fee-free ATMs
186523None3$5,000.01 $10,000.001.001.00Monthly12/01/2022
186584None4$10,000.01$50,000.000.250.25Monthly09/21/2018
186615None5$50,000.01$100,000.000.200.20Monthly09/21/2018
186686None6$100,000.01$9,999,999.990.150.15Monthly09/21/2018

Money Market Calculator



($0 – $99,999,999)
Deposit Distribution APY
$0.00 2.00%
$0.00 1.50%
$0.00 1.00%
$0.00 0.25%
$0.00 0.20%
$0.00 0.15%

Enter your deposit amount to see how much your savings can earn each year.4

Calculations provided are for demonstration purposes only and do not guarantee credit approval for the rate and terms displayed.

Frequently Asked Questions

Money Market Select IRA

A Money Market Select IRA is a good option if you want insured retirement savings or if you are in transition, such as consolidating your previous employer’s 401k or deciding what to do as you’re starting out:

  • 2.00% APY on balances up to $2,000.001
  • No monthly fees, no minimum balance
  • Deposits and withdrawals subject to IRA limitations5

1 APY=Annual Percentage Yield. Rates are valid as of 08/01/2024 and are subject to change after account opening without notice. Interest is paid at tier rates on balances within each tier. Total interest paid is the sum from each tier. Blended APY shown assumes the amount entered is held in the account for one year. Withdrawing funds before one year will result in a different realized rate. No minimum deposit required to open an account. Limit one Money Market Select Account and one Money Market Select IRA Account per account number.

2 Check orders can be made through Patelco Online™ or by contacting us.

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

4 This calculator is for illustrative purposes only and does not reflect the actual results of any specific deposit amount.

5 Consult a tax advisor about IRA tax advantages.

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