A certificate, like a CD or Certificate of Deposit, lets you earn a fixed, higher interest rate than a traditional savings account for not making any withdrawals during the term of the certificate. The money is insured by the National Credit Union Administration (NCUA) for up to $250,000.
证书 are insured up to $250,000 by NCUA (or $500,在两人的联名账户上存了000英镑。
从3个月到60个月不等
在旅途中访问您的证书和帐户
接收证书更新的警报
有限的时间: We have 2 exciting Certificate offers that deliver savings and a guaranteed return!
4.90%年利率14个月证书4
4.60%年利率23个月的债券4
Patelco is a member owned, not-for-profit financial cooperative. 当你加入帕特尔科， 你成为一个成员和股东. That’s why we’ll deposit one share ($1) in your Share Savings 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.
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, heard, informed, and supported to make more confident financial choices.
会员资格免费. You become a member when you open an account with us.
A certificate offers a higher fixed rate with a guaranteed return 如果你不需要保持你的资金流动. It is a safe investment because it’s insured by NCUA for $250,000 (or $500,在两人的联名账户上存了000英镑。. There is no risk of losing money on a certificate, except if you withdraw early.
Certificate accounts give you a fixed dividend rate and APY over the specified term. On certificates with terms less than 12 months, dividends are compounded and credited at maturity. 适用于期限超过12个月的证书, dividends are compounded and credited monthly on the last of the month.
除非另有规定, all certificate accounts are subject to early withdrawal penalties, if funds are withdrawn within six calendar days of account opening or renewal, the penalty will be seven days’ dividends on the entire account balance.3
Yes. All regular certificates can be opened as IRA certificates, unless otherwise noted. 所有IRA证书的最低余额为250美元.
A common strategy for savers using share certificates or CDs is to divide the sum of money saved into equal amounts and open certificates with different maturing dates. This way you can take advantage of the higher rates on the longer terms while keeping some funds accessible for the near future.
All regular certificates can be opened as IRA certificates, unless otherwise noted. 所有IRA证书的最低余额为250美元.
Share certificates are a type of savings account offered only by credit unions. This guide explains what share certificates are, how they work, and their benefits.
考虑开个储蓄账户? Get answers to what is a savings account and the different types you have to choose from.
了解货币市场账户是如何运作的, 优点和缺点, 如何选择最适合自己的综合格斗, 以及有效使用的技巧.
1 APY =年收益率百分比. 条款和条件可能因账户而异.
2 All regular certificates can be opened as IRA certificates, unless otherwise noted. Minimum balance for all 证书 and 爱尔兰共和军的证书 is $250.00.
3 Certificate promotion interest rates vary depending on qualifications. 14-Month Certificate promotion has a premium rate of 4.APY为90%，标准费率为4.60% APY; 23-Month Certificate promotion has a premium rate of 4.年利率60%，标准利率4.10% APY. In order to obtain the high premium rate for either Certificate promotional term, you must meet at least one of the following criteria: Tenure of 10+ years as of 12/31/2024, OR a checking account (under the same membership) prior to Certificate opening with a total recurring monthly deposit of $500 or more. If the checking account criteria is not met at any time, the rate will be reduced to the lower standard rate and will not be reinstated thereafter. 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 here) 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. All certificates are subject to an early withdrawal penalty. 对于IRA证书, the early withdrawal penalty is waived if the IRA owner is age 59½ years or older. 收费会减少收入. Please see the Certificate Accounts section in the Patelco会员手册.
4 APY=年收益率百分比. 税率从2024年3月1日起生效. 利率在到期或续期时可能有所不同.
5 There is a penalty for early withdrawal for all 证书. Please see the Certificate Accounts section in the Patelco会员手册.
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