To get financial stability, it is worth considering going for Patelco Credit Union CD Rates.

It’s not that easy to rely on the credibility of the CD rates of any financial institute but, Patelco Credit Union is making real-time investments for cringing the authentication to the system. Here we are depicting a comprehensive overview in the section below so that one can seek the right approach.

Let’s dig out the details with complete guidance below;

Patelco Credit Union CD Rates Offers

The most credible Patelco Credit Union CD offers are;

611 Month Certificate

  • APY: 2.00%
  • Minimum Deposit: $250
  • Availability: Nationally Available


  • Competitive 2.00% APY
  • Easy membership requirement

Pros & Cons

Competitive 2.00% APYShort-term commitment

14-Month Promo Certificate

  • Blended APY: 4.90%
  • Minimum Deposit: $250
  • Availability: Easy membership requirement


  • Unique rising rate structure

Pros & Cons

Impressive 4.90% APYLimited flexibility

24-35 Month Certificate

  • APY: 3.50%
  • Minimum Deposit: $1,000
  • Availability: Patelco Credit Union (CA)


  • Mid-term investment option
  • Available for members in California

Pros & Cons

Notable APYMedium-term commitment

60-Month Certificate

  • APY: 3.00%
  • Minimum Deposit: $1,000
  • Availability: Patelco Credit Union (CA)


·         Favorable 3.00% APY for a longer-term investment

Pros & Cons

Minimum deposit of $1,000Available for members in California

18 – 23 Month CD

  • APY: 3.75%
  • Minimum Deposit: $250
  • Availability: Patelco Credit Union


  • High 3.75% APY for shorter-term savings goals

Pros & Cons

Flexible 18 – 23 month termLimited term flexibility

Are Patelco Credit Union CD Rates Competitive?

Without any offense, Patelco Credit Union CD Rates are Competitive:

Patelco offers competitive Annual Percentage Yields (APY) across various CD terms. Examples include a 2.00% APY for the 6-11 Month Certificate and a 3.75% APY for the 18 – 23 Month CD.

Patelco provides a range of CD terms, catering to different investment preferences. Terms vary from short, such as the 6-11 Month Certificate, to longer options like the 60-Month Certificate.

The credit union allows entry with relatively low minimum deposits, enhancing accessibility. For instance, the 6-11 Month Certificate requires only a $250 minimum deposit.

Patelco offers flexibility with unique features, such as the rising rate structure in the 3-Year Flexible Rising Rate Certificate.

The 11-Month Certificate is nationally available, providing access to a broader customer base.

Patelco’s easy membership requirement makes it accessible to a wide range of individuals.

While some CDs are available only to California residents, Patelco offers competitive rates in this region, such as the 2.75% APY for the 60-month Certificate.

Overview Patelco Credit Union

Patelco Credit Union has been operating for over 80 years. It has over 450,000 members and $9 billion in assets. It was founded in 1936 by employees of Pacific Telegraph and Telecom Company. Now, it’s known as AT&T. Patelco Credit Union started with $500 in assets and has grown significantly over the years.

Patelco Credit Union has a mission statement, “We’re here to strengthen our members’ financial lives”. They are a member-owned, not-for-profit cooperative. They believe in working with the community to support causes dealing with housing, hunger, and children’s health. They have committed to focusing on the community’s everyday, basic needs.

Patelco Credit Union is focused on the members’ financial needs to keep them saving. Whether it is an emergency, retirement, or college fund, they want their members to succeed.


To invest with Patelco Credit Union, you must apply and be approved to become a member. Currently, members must open a checking or savings account to be granted membership. Patelco will add $1 to the account upon opening. And you can check your membership status on their online website.

Locations Patelco Credit Union 

Patelco has 37 branches in California. Some of the cities are:

  • Berkley
  • Brentwood
  • Campbell
  • Castro Valley
  • Citrus Heights
  • Concord
  • Daly City
  • Danville
  • Dublin
  • Elk Grove
  • Fairfield
  • Folsom
  • Fremont
  • Hayward
  • Lafayette
  • Livermore
  • Milpitas
  • Novato
  • Oakland
  • Oakland-City Center
  • Pleasanton
  • Redwood City
  • Rohnert Park
  • Rosewood
  • Sacramento
  • San Bruno
  • San Leandro
  • San Mateo
  • San Francisco-Downton
  • San Francisco-Sunset
  • San Jose-East
  • San Jose-Almaden
  • San Ramon-Crow Canyon
  • Santa Clara
  • Santa Rosa
  • Sunnyvale
  • Walnut City

Frequently Asked Questions

What are the benefits of becoming a Patelco member? 

It is a convenient online and mobile banking option and you can access competitive financial products and services. Moreover, it has lower fees and favorable interest rates for members.

How do I set up direct deposit? 

For this, provide your employer with Patelco’s routing number (321076470) and your account number. You can also set up direct deposit through Patelco’s online banking or contact customer service for assistance

Is there a monthly fee on a Patelco savings account?

No, Patelco savings accounts typically do not have monthly fees. Members can save without worrying about additional charges.

What makes Patelco different? 

Member-owned and not-for-profit structures, active community engagement and social responsibility, and competitive rates on various financial products are worth considering.

Why does Patelco deposit $1 into my savings account?

Patelco may deposit $1 for account verification purposes. This nominal deposit is a standard practice during the account setup process.