Credit union · NCUA insured
Patelco Credit Union CD Rates
Patelco Credit Union’s best CD rate is 4.25% APY on a 7-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Patelco Credit Union’s CD rates compare
Compared with banks and credit unions near San Francisco, CA, where Patelco Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Patelco Credit Union
4.25%APY
- Term
- 7 months
- Requires
- None
- Minimum
- $250
- Earns on $10,000
- $246
Certificates
Top rate
Stanford Federal Credit Union
4.75%APY
- Term
- 60 months
- Requires
- Another account
- Minimum
- $100
- Earns on $10,000
- $2,612
2nd-highest rate
HSBC USA
4.60%APY
- Term
- 24 months
- Requires
- Another account
- Minimum
- $1,000
- Earns on $10,000
- $941
Patelco Credit Union CD score
87
CD score
Higher than 78% of U.S. banks and credit unions
- 3–8 months3–8 mo4.25%
- 9–15 months9–15 mo4.00%
- 16–30 months16–30 mo3.00%
- 31–60 months31–60 mo3.50%
- QualifiedQualified4.25%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Patelco Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Certificates
Up to 4.25%APY · 10 terms
Minimum balance is $250.00. Subject to early withdrawal penalties.
| Term | APY · $250 and up | APY · $250 – $500,000 | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 3–5 monthsDividends paid at maturity | 3.00% | — | 3.00% | $74 |
| 6–11 monthsDividends paid at maturity | 3.00% | — | 3.00% | $149 |
| 7 monthsPromotional offer available for New Money only (funds originating outside Patelco deposited within 10 calendar days prior to opening). Dividends paid monthly | 4.25% | — | 4.25% | $246 |
| 12–17 monthsDividends paid monthly | 3.00% | — | 3.00% | $300 |
| 13 months13-Month Promo. Dividends paid monthly | 4.00% | — | 4.00% | $434 |
| 18–23 monthsDividends paid monthly | — | 3.00% | 3.00% | $453 |
| 24–35 monthsDividends paid monthly | 3.00% | — | 3.00% | $609 |
| 36–47 monthsDividends paid monthly | 3.00% | — | 3.00% | $927 |
| 48–59 monthsDividends paid monthly | 3.25% | — | 3.25% | $1,365 |
| 60 monthsDividends paid monthly | 3.50% | — | 3.50% | $1,877 |
Sources (1)
- patelco.org/checking-and-savin…ounts/share-certificates · captured Sep 16, 2026
Special-purpose accounts
IRA Certificates
Up to 4.25%APY · 10 terms
Available for IRAs. Minimum balance is $250.00. Subject to early withdrawal penalties.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3–5 monthsDividends paid at maturity | 3.00% | $74 |
| 6–11 monthsDividends paid at maturity | 3.00% | $149 |
| 7 monthsPromotional offer available for New Money only (funds originating outside Patelco deposited within 10 calendar days prior to opening). Dividends paid monthly | 4.25% | $246 |
| 12–17 monthsDividends paid monthly | 3.00% | $300 |
| 13 months13-Month Promo. Dividends paid monthly | 4.00% | $434 |
| 18–23 monthsDividends paid monthly | 3.00% | $453 |
| 24–35 monthsDividends paid monthly | 3.00% | $609 |
| 36–47 monthsDividends paid monthly | 3.00% | $927 |
| 48–59 monthsDividends paid monthly | 3.25% | $1,365 |
| 60 monthsDividends paid monthly | 3.50% | $1,877 |
Sources (1)
- patelco.org/checking-and-savin…ounts/share-certificates · captured Sep 16, 2026
Who can join Patelco Credit Union
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