A savings account is the foundation for achieving lifelong financial wellbeing and lets you put away money you don’t plan to spend right away in an insured account while earning interest and providing security. Open a savings account to become a Patelco member today.
作为会员拥有, not-for-profit financial cooperative, Patelco reinvests in our members with better rates and low- to no fees.
事实上, members with most of their banking relationships with Patelco received $1,652 in savings on average in 2021.2
Access your accounts anytime from anywhere
Enjoy the convenience of easy cash withdrawal
在你附近找一个 手机应用程序
汽车mate alerts such as direct deposits or low balances to stay on top of your finances
Set up monthly direct deposits or automatic transfers and grow your savings
Link to your checking account and pay no overdraft fees
自2020年1月1日起生效
|
术语 |
最小值. 平衡 |
年1 |
率 |
分红 |
|---|---|---|---|---|
| 没有一个 | $0.00 | 0.05% | 0.05% | 每月 |
| 没有一个 | $5,000.00 | 0.05% | 0.05% | 每月 |
| 没有一个 | $10,000.00 | 0.05% | 0.05% | 每月 |
| 没有一个 | $20,000.00 | 0.05% | 0.05% | 每月 |
| 没有一个 | $50,000.00 | 0.05% | 0.05% | 每月 |
| 没有一个 | $100,000.00 | 0.05% | 0.05% | 每月 |
How much do I need to save for emergencies?
Calculations provided are for demonstration purposes only and do not guarantee credit approval for the rate and terms displayed.
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 deposit one share ($1) in your Share 储蓄 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. Members have told us that they feel seen, 听到, 通知, and supported to make more confident financial choices.
Membership is free and comes with 极大的好处. You become a member when you open an account with us.
No. There’s no monthly fee and no minimum balance requirements.
You will receive your ATM card in the mail typically within 5 business days after you’ve requested it. Or, you can pick up a debit card at a 靠近你的树枝.
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. As a member-owner – your voice is 听到. With other for-profit banks or fintech, you are a customer who buys something, or a client who receives a professional service in return for a payment.
Our ScoreUp Loan is designed to help you establish credit if you have no credit, little credit or may need some help improving your credit score. Loan proceeds are deposited into a ScoreUp 储蓄账户 and the funds will be available when the loan is paid in full. By making manageable monthly payments on time, you’ll be establishing a positive credit history, 同时也增加了你的储蓄. (汽车matic payments from a Patelco account are required.)
Great, you’re thinking about your emergency fund! Get expert advice on how to determine how much you need, accurately calculate your expenses, 建立现金储备.
如果你在为一个大目标存钱, here’s the concrete steps for you to take that will move you closer to reaching it.
How do I decide whether to prioritize saving or paying off debt? The good news is that you can make progress in both areas of your financial health by making a financial plan that accounts for your goals.
1 年 =年收益率百分比.
2 Annual and individual member figures are from the 信贷 Union National Association 会员的好处 Study in 2021. 假设有30美元,000, 60个月的新汽车贷款, a classic credit card with an average balance of $5,000, a $200,000, 30-year fixed rate mortgage (a 30-year fixed rate mortgage is replaced with a 5-year adjustable rate mortgage if it yields a greater benefit as it is assumed more in demand), $5,000 in an interest-bearing checking account, $10,000 in a 1-year certificate account, 和2美元,在货币市场账户里存了500美元.
3 储蓄 and ScoreUp储蓄 have the same rates, reflected above. A ScoreUp 储蓄账户 is opened in conjunction with a ScoreUp 信贷 Builder Loan.
