Credit union · NCUA insured
Patelco Credit Union Savings Rates
Patelco Credit Union’s best savings rate is 0.05% APY on $10,000, with its Regular Savings. Rates checked October 16, 2026.
How Patelco Credit Union’s savings 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
2.50%APY
- Requires
- Another account
- Minimum
- $0
- Earns on $10,000 a year
- $250
Money Market Plus
Top rate
Nuvision Credit Union
4.50%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $450
2nd-highest rate
HSBC USA
4.40%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $440
Patelco Credit Union savings score
75
Savings score
Higher than 38% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.05%
- $100,000 balance$100,0000.05%
- QualifiedQualified2.50%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Money Market Plus
Up to 2.50%APY
Rates vary by tier and apply to the full balance. To attain higher rates, account requires a Patelco checking account (opened under the same Member Number) with recurring monthly deposits of $500 or more. If eligibility requirements are not met, account earns a lower default rate of 0.05% APY. New accounts earn tiered rates automatically for opening month and 2 months following. No monthly fee and no minimum balance requirements.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $50,000Requires meeting checking account relationship with $500+ monthly recurring deposit. Applies to full balance. | 2.50% | $250 | Requires meeting checking account relationship with $500+ monthly recurring deposit. Applies to full balance. |
| $1 and upDefault/fallback rate when checking account deposit requirement is not met (No). | 0.05% | $5 | Default/fallback rate when checking account deposit requirement is not met (No). |
| $50,000 – $100,000Requires meeting checking account relationship with $500+ monthly recurring deposit. Applies to full balance. | 2.70% | — | Requires meeting checking account relationship with $500+ monthly recurring deposit. Applies to full balance. |
| $100,000 – $250,000Requires meeting checking account relationship with $500+ monthly recurring deposit. Applies to full balance. | 3.00% | — | Requires meeting checking account relationship with $500+ monthly recurring deposit. Applies to full balance. |
| $250,000 and upRequires meeting checking account relationship with $500+ monthly recurring deposit. Applies to full balance. | 3.25% | — | Requires meeting checking account relationship with $500+ monthly recurring deposit. Applies to full balance. |
Sources (2)
- patelco.org/checking-and-savings/savings-accounts
- patelco.org/checking-and-savin…counts/money-market-plus
All captured Sep 16, 2026
Regular Savings
0.05%APY
Required for membership; Patelco deposits $1 into savings account.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.05% | $5 |
Sources (3)
- patelco.org/rates
- patelco.org/checking-and-savings/savings-accounts
- patelco.org/checking-and-savin…savings-accounts/regular
All captured Sep 16, 2026
ScoreUp Savings
0.05%APY
Opened in conjunction with a ScoreUp Credit Builder Loan; funds serve as collateral and become available when the loan is paid in full.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.05% | $5 |
Sources (3)
- patelco.org/rates
- patelco.org/checking-and-savin…savings-accounts/regular
- patelco.org/credit-cards-and-l…al-loans/build-my-credit
All captured Sep 16, 2026
Special-purpose accounts
Money Market Select
2.00%APY
Reverse tier account paying tiered dividend rates. Limit one Money Market Select Account and one Money Market Select IRA Account per account number. No monthly fees, no minimum balance requirements. NCUA insured.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,000Tier 1 balance up to $2,000.00. Dividends paid monthly.Up to $2,000 | 2.00% | — | Tier 1 balance up to $2,000.00. Dividends paid monthly. |
Sources (2)
- patelco.org/checking-and-savings/savings-accounts
- patelco.org/checking-and-savin…gs-accounts/money-market
All captured Sep 16, 2026
Money Market Select IRA
2.00%APY
IRA money market account sharing the Money Market Select rate schedule. Deposits and withdrawals subject to IRA limitations. Limit one Money Market Select Account and one Money Market Select IRA Account per account number. No monthly fees, no minimum balance requirements. NCUA insured.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,000Tier 1 balance up to $2,000.00. Dividends paid monthly. Subject to IRA limitations.Up to $2,000 | 2.00% | — | Tier 1 balance up to $2,000.00. Dividends paid monthly. Subject to IRA limitations. |
Sources (1)
- patelco.org/checking-and-savin…gs-accounts/money-market · captured Sep 16, 2026
Health Savings Account (HSA)
0.25%APY
Must be enrolled in a High Deductible Health Plan (HDHP). No monthly fee for the first year; $2 monthly fee starting in year 2.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,000Monthly fee of $2 starts after year 1 (waived/no fee for the first year). | 0.05% | — | Monthly fee of $2 starts after year 1 (waived/no fee for the first year). |
| $2,000 – $3,500Monthly fee of $2 starts after year 1 (waived/no fee for the first year). | 0.10% | — | Monthly fee of $2 starts after year 1 (waived/no fee for the first year). |
| Over $3,500Monthly fee of $2 starts after year 1 (waived/no fee for the first year). | 0.25% | $25 | Monthly fee of $2 starts after year 1 (waived/no fee for the first year). |
Sources (2)
All captured Sep 16, 2026
Kids Savings
0.05%APY
Available for children of any age (joint ownership or custodial account; ATM card available for ages 13–17). First $1 deposit provided by Patelco.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.05% | $5 |
Sources (3)
- patelco.org/rates
- patelco.org/checking-and-savings/savings-accounts
- patelco.org/checking-and-savings/savings-accounts/kids
All captured Sep 16, 2026
Who can join Patelco Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.