Patelco Credit Union rates: up to 8.49% APR
credit union · NCUA CHARTER 68579 · www.patelco.org
Savings
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Health Savings Accounts | Balance from $0.00 | 0.05% | APY | 2026-11-01 | since 2026-11-01 | |
| Health Savings Accounts | Balance from $2,000.01 | 0.10% | APY | 2026-11-01 | since 2026-11-01 | |
| Health Savings Accounts | Balance from $3,500.01 | 0.25% | APY | 2026-11-01 | since 2026-11-01 | |
| Savings & ScoreUp Savings | Balance from $0.00 | 0.05% | APY | 2026-11-01 | since 2026-11-01 | |
| Savings & ScoreUp Savings | Balance from $5,000.00 | 0.05% | APY | 2026-11-01 | since 2026-11-01 | |
| Savings & ScoreUp Savings | Balance from $10,000.00 | 0.05% | APY | 2026-11-01 | since 2026-11-01 | |
| Savings & ScoreUp Savings | Balance from $20,000.00 | 0.05% | APY | 2026-11-01 | since 2026-11-01 | |
| Savings & ScoreUp Savings | Balance from $50,000.00 | 0.05% | APY | 2026-11-01 | since 2026-11-01 | |
| Savings & ScoreUp Savings | Balance from $100,000.00 | 0.05% | APY | 2026-11-01 | since 2026-11-01 |
CDs
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Certificates | 3 – 5 Months · from $250 | 3.00% | APY | 2026-11-01 | since 2026-11-01 | |
| IRA Certificates | 3 - 5 Months · from $250 | 3.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Certificates | 7-Month Promo · from $250 · promo | 4.25% | APY | 2026-11-01 | since 2026-11-01 | |
| IRA Certificates | 7-Month Promo · from $250 · promo | 4.25% | APY | 2026-11-01 | since 2026-11-01 | |
| Certificates | 8-Month Promo · from $250 · promo | 4.00% | APY | 2026-11-01 | since 2026-11-01 | |
| IRA Certificates | 8-Month Promo · from $250 · promo | 4.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Certificates | 6 – 11 Months · from $250 | 3.00% | APY | 2026-11-01 | since 2026-11-01 | |
| IRA Certificates | 6 - 11 Months · from $250 | 3.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Certificates | 13-Month Promo · from $250 · promo | 4.15% | APY | 2026-11-01 | since 2026-11-01 | |
| IRA Certificates | 13-Month Promo · from $250 · promo | 4.15% | APY | 2026-11-01 | since 2026-11-01 | |
| Certificates | 12 – 17 Months · from $250 | 3.00% | APY | 2026-11-01 | since 2026-11-01 | |
| IRA Certificates | 12 - 17 Months · from $250 | 3.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Certificates | 18 – 23 Months · $250–$500,000 | 3.00% | APY | 2026-11-01 | since 2026-11-01 | |
| IRA Certificates | 18 - 23 Months · from $250 | 3.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Certificates | 24 – 35 Months · from $250 | 3.00% | APY | 2026-11-01 | since 2026-11-01 | |
| IRA Certificates | 24 - 35 Months · from $250 | 3.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Certificates | 36 – 47 Months · from $250 | 3.00% | APY | 2026-11-01 | since 2026-11-01 | |
| IRA Certificates | 36 - 47 Months · from $250 | 3.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Certificates | 48 – 59 Months · from $250 | 3.25% | APY | 2026-11-01 | since 2026-11-01 | |
| IRA Certificates | 48 - 59 Months · from $250 | 3.25% | APY | 2026-11-01 | since 2026-11-01 | |
| Certificates | 60 Months · from $250 | 3.50% | APY | 2026-11-01 | since 2026-11-01 | |
| IRA Certificates | 60 Months · from $250 | 3.50% | APY | 2026-11-01 | since 2026-11-01 |
Money market
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Money Market Plus | Checking requirements met, balance from $1.00 | 2.50% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Plus | Checking requirements not met, balance from $1.00 | 0.05% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Plus | Checking requirements met, balance from $50,000.00 | 2.70% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Plus | Checking requirements met, balance from $100,000.00 | 3.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Plus | Checking requirements met, balance from $250,000.00 | 3.25% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Select Account & Money Market Select IRA | Tier 1, balance $0.00 to $2,000.00 | 2.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Select Account & Money Market Select IRA | Tier 2, balance $2,000.01 to $5,000.00 | 1.50% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Select Account & Money Market Select IRA | Tier 3, balance $5,000.01 to $10,000.00 | 1.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Select Account & Money Market Select IRA | Tier 4, balance $10,000.01 to $50,000.00 | 0.25% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Select Account & Money Market Select IRA | Tier 5, balance $50,000.01 to $100,000.00 | 0.20% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Select Account & Money Market Select IRA | Tier 6, balance $100,000.01 to $9,999,999.99 | 0.15% | APY | 2026-11-01 | since 2026-11-01 |
Checking
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Interest Checking | Balance from $0.00 | 0.05% | APY | 2026-11-01 | since 2026-11-01 | |
| Premier Interest Checking | Balance of $5,000.00 or more | 0.10% | APY | 2026-11-01 | since 2026-11-01 |
Auto loans
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Vehicle Loans | New Auto (2025 or newer) Up to 140% financing · 0 to 48 months | 5.19% | APR | 2026-11-01 | since 2026-11-01 | |
| Vehicle Loans | Used Auto (2024 - 2016) Up to 140% of Blue Book Maximum 150,000 miles · 0 to 48 months | 5.39% | APR | 2026-11-01 | since 2026-11-01 | |
| Boats, Motorhomes, Travel Trailers | Boat, Motorhome, and Travel Trailer Loans New (2025 or newer) · up to 60 months | 7.24% | APR | 2026-11-01 | since 2026-11-01 | |
| Boats, Motorhomes, Travel Trailers | Boat, Motorhome, and Travel Trailer Loans Used (2024 - 2016) · up to 60 months | 7.74% | APR | 2026-11-01 | since 2026-11-01 | |
| Motorcycle Loans | Motorcycle New & Used (2016 or newer) · Up to 60 months | 6.99% | APR | 2026-11-01 | since 2026-11-01 | |
| Vehicle Loans | New Auto (2025 or newer) Up to 140% financing · 49 to 66 months | 5.19% | APR | 2026-11-01 | since 2026-11-01 | |
| Vehicle Loans | Used Auto (2024 - 2016) Up to 140% of Blue Book Maximum 150,000 miles · 49 to 66 months | 5.39% | APR | 2026-11-01 | since 2026-11-01 | |
| Boats, Motorhomes, Travel Trailers | Boat, Motorhome, and Travel Trailer Loans New (2025 or newer) · 61 to 72 months | 7.24% | APR | 2026-11-01 | since 2026-11-01 | |
| Boats, Motorhomes, Travel Trailers | Boat, Motorhome, and Travel Trailer Loans Used (2024 - 2016) · 61 to 72 months | 7.74% | APR | 2026-11-01 | since 2026-11-01 | |
| Vehicle Loans | New Auto (2025 or newer) Up to 140% financing · 67 to 72 months | 5.34% | APR | 2026-11-01 | since 2026-11-01 | |
| Vehicle Loans | Used Auto (2024 - 2016) Up to 140% of Blue Book Maximum 150,000 miles · 67 to 72 months | 5.49% | APR | 2026-11-01 | since 2026-11-01 | |
| Boats, Motorhomes, Travel Trailers | Boat, Motorhome, and Travel Trailer Loans New (2025 or newer) · 73 to 84 months | 7.24% | APR | 2026-11-01 | since 2026-11-01 | |
| Boats, Motorhomes, Travel Trailers | Boat, Motorhome, and Travel Trailer Loans Used (2024 - 2016) · 73 to 84 months | 7.74% | APR | 2026-11-01 | since 2026-11-01 | |
| Vehicle Loans | New Auto (2025 or newer) Up to 140% financing · 73 to 84 months | 5.64% | APR | 2026-11-01 | since 2026-11-01 | |
| Vehicle Loans | Used Auto (2024 - 2016) Up to 140% of Blue Book Maximum 150,000 miles · 73 to 84 months | 5.79% | APR | 2026-11-01 | since 2026-11-01 | |
| Boats, Motorhomes, Travel Trailers | Boat, Motorhome, and Travel Trailer Loans New (2025 or newer) · 85 to 120 months | 7.74% | APR | 2026-11-01 | since 2026-11-01 | |
| Boats, Motorhomes, Travel Trailers | Boat, Motorhome, and Travel Trailer Loans Used (2024 - 2016) · 85 to 120 months | 8.24% | APR | 2026-11-01 | since 2026-11-01 | |
| Boats, Motorhomes, Travel Trailers | Boat, Motorhome, and Travel Trailer Loans New (2025 or newer) · 121 to 180 months | 7.99% | APR | 2026-11-01 | since 2026-11-01 | |
| Boats, Motorhomes, Travel Trailers | Boat, Motorhome, and Travel Trailer Loans Used (2024 - 2016) · 121 to 180 months | 8.49% | APR | 2026-11-01 | since 2026-11-01 |
Sources and evidence
| Page | Last captured | Last result | Digest |
|---|---|---|---|
| www.patelco.org/rates | 2026-11-01 12:01 UTC | ok | eb42de336927 |
| www.patelco.org/checking-and-savings/savings-accounts/share-certificat | 2026-11-01 12:01 UTC | ok | df00a7353ae5 |