Routing # 321076470

Certificates

Like a certificate of deposit (CD), a certificate offers a higher rate with guaranteed return for the term of the deposit.


Enjoy an Insured, Guaranteed Return on Your Money

A certificate, like a CD or Certificate of Deposit, lets you earn a fixed, higher interest rate than a traditional savings account for not making any withdrawals during the term of the certificate. The money is insured by the National Credit Union Administration (NCUA) for up to $250,000.

Certificate Benefits

Safety and Security

Certificates are insured up to $250,000 by NCUA (or $500,000 in a joint account for two people)

Variety of Certificate Terms

Choose from 3 to 60 months

Mobile App and Online Banking

Access your certificates and accounts on the go

Set Up Alerts

Receive alerts for certificate renewal

Certificates Rates2

Rates Effective 11/15/2024

Term

Min. Balance

Min Balance

APY1RateDividends Paid
184171

3 – 5 Months

$250.001.001.00At Maturity07/23/20243 to 60 months0At Maturity
184222

6 – 11 Months

$250.002.001.98At Maturity08/01/20230
185454

12 – 17 Months

$250.003.002.96Monthly08/01/20230
185575.2

18 – 23 Months

$250.003.153.11Monthly08/01/2023$500,000.0018-Month
185657

24 – 35 Months

$250.003.253.21Monthly08/01/20230
185718

36 – 47 Months

$250.003.002.96Monthly08/01/20230
185779

48 – 59 Months

$250.003.002.96Monthly08/01/20230
1858410

60 Months

$250.003.002.96Monthly08/01/20233 to 60 Months0
286934

14 Month Promo*

$250.004.053.98Monthly02/01/202414 Month Promo*03.55
286986

23 Month Promo*

$250.003.653.59Monthly08/01/202323 Month Promo*03.15
320613

9 Month Promo*

$250.004.154.07Monthly11/15/202403.65

IRA Certificates Rates2

Rates Effective 11/15/2024

TermMin. BalanceAPY1RateDividends Paid
320642.59 Month Promo$250.004.154.07Monthly11/15/2024
28701414 Month Promo$250.004.053.98Monthly06/14/2024
28704623 Month Promo$250.003.653.59Monthly06/14/2024
186511060 Months$250.003.002.96Monthly06/14/2024
18645948 - 59 Months$250.003.002.96Monthly08/01/2023
18635836 - 47 Months$250.003.002.96Monthly06/14/2024
18627724 - 35 Months$250.003.253.21Monthly08/01/2023
185175.218 - 23 Months$250.003.153.11Monthly06/14/2024
18510312 - 17 Months$250.003.002.96Monthly08/01/2023
1848626 - 11 Months$250.00 2.001.98At Maturity06/14/2024
1846213 - 5 Months$250.001.001.00At Maturity07/23/2024

Certificate Promotion

Limited time: We have 3 exciting Certificate offers that deliver savings and a guaranteed return!

4.15% APY 9-Month Certificate3

A perfect fit for those seeking a shorter investment horizon with a competitive return.

4.05% APY 14-Month Certificate3

Strike the balance between return and flexibility with this mid-range option.

3.65% APY 23-Month Certificate3

Looking for a bit more stability and a high yield? This longer-term Certificate might be just what you need.

Certificate FAQs

Certificate Ladder Strategy

A common strategy for savers using share certificates or CDs is to divide the sum of money saved into equal amounts and open certificates with different maturing dates. This way you can take advantage of the higher rates on the longer terms while keeping some funds accessible for the near future.

  • Terms from 3 to 60 months
  • $250 minimum opening deposit and balance
  • Compounded dividends paid monthly
  • Guaranteed return on principal

1 APY = Annual Percentage Yield. Terms and conditions may vary by account.

2 All regular certificates can be opened as IRA certificates, unless otherwise noted. Minimum balance for all Certificates and IRA Certificates is $250.00.

3 APY=Annual Percentage Yield. Rates are effective as of 11/15/2024. Rates may vary at the time of maturity or renewal. Certificate promotion interest rates vary depending on qualifications. 9-Month Certificate promotion has a premium rate of 4.15% APY and standard rate of 3.65% APY (Dividends paid monthly); 14-Month Certificate promotion has a premium rate of 4.05% APY and standard rate of 3.55% APY (Dividends paid monthly); 23-Month Certificate promotion has a premium rate of 3.65% APY and standard rate of 3.15% APY (Dividends paid monthly). In order to obtain the high premium rate for either Certificate promotional term, you must meet at least one of the following criteria: Tenure of 10+ years as of 12/31/2024, OR a checking account (under the same membership) prior to Certificate opening with a total recurring monthly deposit of $500 or more. If the checking account criteria is not met at any time, the rate will be reduced to the lower standard rate and will not be reinstated thereafter. 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 here) 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. All certificates are subject to an early withdrawal penalty. For IRA Certificates, the early withdrawal penalty is waived if the IRA owner is age 59½ years or older. Fees could reduce earnings. Please see the Certificate Accounts section in the Patelco Member Handbook.

4 There is a penalty for early withdrawal for all Certificates. Please see the Certificate Accounts section in the Patelco Member Handbook.

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