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Resources to build your financial wellbeing

What Are Share Certificates?

Types of Savings Accounts

Tips to Avoid Phishing Attempts

Avoid Finance Spoofing

What’s a Money Market Account?

Is My Money FDIC-insured?

Saving vs. Paying Off Debt

Saving on a Tight Budget

Qualifying for a Mortgage

Prequal vs Preapproval Explained

What does a Real Estate Agent Do?

All about Down Payments

I Didn’t Save Enough for Retirement

Staying on Track in Turbulent Times

Why to Do an Annual Portfolio Review

A Guide to Social Security Benefits

Hear stories from real Patelco members

My daughter and I opened an account with Patelco Credit Union on Clay Street (Oakland) earlier this week. I can't say enough about how well we were treated, and overall, what a wonderful experience it was...I highly recommend this Patelco branch and be sure to call for an appointment with Marika!

Lonna B.
My daughter and I opened an account with Patelco Credit Union on Clay Street (Oakland) earlier this week. I can’t say enough about how well we were treated, and overall, what a wonderful experience it was…I highly recommend this Patelco branch and be sure to call for an appointment with Marika!

A portrait of Patelco member David L.
Patelco member Judy F. holds her small dog.
Suzette W., a Patelco member, smiles at the camera.
Nelson P., a young Patelco customer, looks out the window.

Secure access to your accounts.
Anywhere. Anytime.

Check your balance and get personalized insights on spending habits

Monitor your credit score, add a trusted contact, set alerts and more

Transfer money between accounts, pay friends or bills, and deposit checks

Create financial goals for life events and auto-save with each purchase

1 APY=Annual Percentage Yield. Rates are effective as of 12/01/2024 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: 4.25% 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.

* Informa rates as of 12/20/2024 on balances of $250,000.

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