As a member-owned, not-for-profit organization, our people before profits belief is deeply rooted in our purpose driven philosophy. It's this higher standard that drives us to make a difference in people's lives as every product and service is developed for the financial well-being of our members, not our bottom line.
Guided by our mission to help improve our members' financial health, joining Patelco means you'll find significantly better rates, lower fees and best-in-class products. That's because everything we offer is designed to help our members get to where they want to go. Through good times and bad, we'll have your back.
Guided by our mission to help improve our members' financial health, joining Patelco means you'll find significantly better rates, lower fees and best-in-class products. That's because everything we offer is designed to help our members get to where they want to go. Through good times and bad, we'll have your back.
Services
Contact Us
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We're available for live online chat 8am - 5pm weekdays. Our representatives can answer account-related questions as well as general questions about Patelco products and services. Text us via Apple Messages for Business - Talk to us directly from your Messages app (available for iPhone and iPad, or iPod touch) You can also respond to conversations with your Apple Watch or Mac.
Savings
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With your Money Market account as overdraft protection, there's no transfer fee to replace overdrawn funds. Rates are valid as of 10/29/2021 and are subject to change after account opening without notice. Interest is paid at tier rates on balances within each tier. Total interest paid is the sum from each tier.
Money Market
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Like a savings account, a money market account is designed to help you save and earn higher interest. Money market accounts are especially good for building up your emergency savings and are insured by the National Credit Union Administration (NCUA) just like our other savings accounts. One of the biggest benefits of a money market account over a savings account is that the interest rates are usually far superior.
Health Savings Account HSA
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Tax-advantaged1 funds and medical and dental discounts to help you save on doctor visits, prescriptions, and more. An HSA is a tax-advantaged savings account for people covered by a High Deductible Health Plan (HDHP) and can be used for qualified medical and dental expenses. Deposits, dividends and withdrawals are all federal-tax deductible.
IRA & Education Savings
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Investment products can also be held in an IRA. Talk to a CFS Financial Advisor available through CUSO Financial Services, L.P. ("CFS") about your options, including Rollover IRAs. 2. A distribution from a Roth IRA is tax-free and penalty-free provided that the five-year aging requirement has been satisfied and one of the following conditions is met: age 59, death, disability, qualified first time home purchase.
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