A wide range of accounts to support your biggest goals (and small ones, too). Explore our saving solutions tailored for your unique needs.
Access your money and accounts and set up savings goals with our top-rated 手机应用程序.2
在我们的移动应用程序上找到您附近的一个.
Set up monthly direct deposits or automatic transfers and grow your savings.
Link to your checking and pay no overdraft fees.
安全，稳妥的方式来节约.
Each time you make a purchase with your debit Mastercard® we’ll round up the amount to the nearest dollar and deposit it into your savings.
Patelco is a member owned, not-for-profit financial cooperative. When you join Patelco, you become a member and a shareholder. That’s why we’ll also open a Share 储蓄 account and deposit one share ($1) in your account when you join.
Our mission is to help members achieve lifelong financial wellbeing so you can live happier, fuller生活.
Unlike the big banks or other for-profit financial institutions, we invest our profits back in our members with better rates and low- to no fees.
We also offer free financial advice to anyone who wants to improve their financial situation. 成员们告诉我们，他们感到被看到了, 听到, 通知, and supported to make more confident financial choices.
Membership is free and comes with great benefits. You become a member when you open an account with us.
只需下载这个 预先填写表单, sign it, and submit it to your employer’s payroll department. 就这么简单! 另外, if your employer has an HR portal that allows you to set up direct deposit by inputting your account number and routing number, 你可以在这里买到
No. There’s no monthly fee and no minimum balance requirements.
Patelco is a member owned, not-for-profit financial cooperative. When you open an account at Patelco, you become a member and a shareholder. That’s why we’ll deposit one share ($1) in your Share 储蓄 account when you join. Our mission is to help members achieve lifelong financial well-being so you can live happier, fuller生活. Unlike the big banks or other for-profit financial institutions, we invest our profits back in our members with better rates and low- to no fees.
When you join Patelco, you become a member and a shareholder. The $1 we deposit into your shares savings account is your “share” in Patelco. 作为会员所有者，你的声音会被听到. 与其他营利性银行或金融科技公司合作, 你是一个买东西的顾客, or a client who receives a professional service in return for a payment.
摘要 is an automatic savings tool that helps you save with every purchase. Every time you use the debit card linked to your checking account, we’ll round up to the nearest dollar and transfer the difference from your checking to your savings account of your choice. 所以，如果你花了5美元.75 at the coffee shop, we’ll round up the purchase to $6.00美元，转账0美元.25到你的存款. Every cent counts toward growing your savings!
要注册，请登录 Patelco在线™ 或者是 手机应用程序, and navigate to the main menu,然后 select 账户,然后 摘要. For + 检查 accounts, please contact us to enroll.
1 APY=年收益率百分比. 利率 are effective as of 12/01/2023 and are subject to change before or after account opening without notice. 利率 vary by tier and apply to the full balance.
The following variable interest rates will apply to your account balance: 4.25万美元余额50%的年利率.00或更大，4.余额在10万美元之间，年利率为00%.00美元和249999美元.99, 3.存款余额在5万美元之间，年利率为51%.00美元和99999美元.99, 3.余额的年利率为00%，最高可达49,999美元.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%将在当月拖欠. Qualifying deposit transactions include: Payroll direct deposits, Social Security (or other government benefit) direct deposits, 乙酰胆碱转移, Zelle, Venmo, PayPal或其他类似的存款, 现金存款, check deposits (except checks written from another Patelco account), 电汇, 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.
2 Source: over 22,000 five-star reviews on the App Store.
