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定期储蓄

Join Patelco and start saving for a brighter financial future.


A brighter financial future starts here.

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,到2021年平均节省652英镑.2

产品的好处

Top-rated 手机应用程序 and 网上银行

Access your accounts anytime from anywhere

ATM卡

Enjoy the convenience of easy cash withdrawal

3万多台免费atm机

在你附近找一个 手机应用程序

设置提醒

汽车mate alerts such as direct deposits or low balances to stay on top of your finances

无限的存款

Set up monthly direct deposits or automatic transfers and grow your savings

支票透支保护

Link to your checking account and pay no overdraft fees

储蓄 & ScoreUp储蓄

自2020年1月1日起生效

术语

最小值. 平衡

1

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

应急基金计算器

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.

常见问题

  • 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.
     
    会员资格是免费的,随附 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.)

打开你的 储蓄账户 在几分钟内
Start saving for a brighter future and enjoy all that a free Patelco membership has to offer.

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.

比较

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