Patelco’s Money Market Plus account offers outstanding rates that are 5x the national average2 帮助你更快地增加储蓄. 另外，知道这一点，享受内心的平静 your money is insured 国家信用合作社管理局.
You must have a Patelco checking account and make a minimum of $500 in recurring monthly deposits to the checking account. The rate you’ll earn each month will be calculated based on the balance you maintain in your Money Market Plus account.
|
APY1 |
Rate |
Minimum Balance |
Checking account* |
|---|---|---|---|
| 4.50% | 4.41% | $250,000.00 | Yes |
| 4.00% | 3.93% | $100,000.00 | Yes |
| 3.51% | 3.45% | $50,000.00 | Yes |
| 3.00% | 2.96% | $1.00 | Yes |
| 0.05% | 0.05% | $1.00 | No |
* Recurring monthly deposits of $500 or more to the Patelco checking account includes direct deposits, ACH transfers, Zelle, Venmo, PayPal, cash, check, or wires. 帕特尔科到帕特尔科的账户转账, charge backs or promotional incentive payments from Patelco are not qualified deposits.
你的钱上了25万美元的保险.00 ($500,000.联名帐户为00元)
在你附近找一个 Mobile App
在旅途中访问您的帐户
打开一个免费支票，没有月费，或探索 其他支票帐户选项
Move your money between linked Patelco accounts or external accounts to take advantage of the high-yield rate
Complete this form, or log in to online banking to set up direct deposit for your Patelco Checking account
2023年1月12日生效
|
Requirements Met5 |
Min Balance |
Max Balance |
APY1 |
|
Rate |
|
|
Dividend |
|
|
|---|---|---|---|---|---|---|---|---|---|---|
| Yes | $250,000.00 | N/A | 4.50% | 4.41% | Monthly | |||||
| Yes | $100,000.00 | $249,999.99 | 4.00% | 3.93% | Monthly | |||||
| Yes | $50,000.00 | $99,999.99 | 3.51% | 3.45% | Monthly | |||||
| Yes | $1.00 | $49,999.99 | 3.00% | 2.96% | Monthly | |||||
| No | $1.00 | N/A | 0.05% | 0.05% | Monthly |
The Money Market Plus account offers a tiered rate based on your daily account balance in the account. Plus, you must have a Patelco checking account that meets the monthly recurring deposit requirement of $500 or more.
The following variable interest rates will apply to your account balance: 4.25万美元余额50%的年利率.00 or greater, 4.余额在10万美元之间，年利率为00%.00 and $249,999.99, 3.存款余额在5万美元之间，年利率为51%.00 and $99,999.99, 3.余额的年利率为00%，最高可达49,999美元.99.
You’ll automatically earn the tiered rate listed above based on the daily account balance maintained when you open the account and for the 3 months following. 如果你想在那之后继续赚取更高的利率, you’ll need to have a Patelco checking account (under the same membership) with monthly recurring deposits of $500 or more into the checking account.
If you do not meet the qualifying checking account requirements by the 3rd calendar month after the account is open, 你将获得普通储蓄利率, 现在是0.05%的年利率，不管你保持多少余额.
一旦你达到了要求, you’ll start earning the higher interest rate in the applicable balance tier the following month.
Keep in mind the APY (Annual Percentage Yield) is a variable rate and may go up or down depending on the rate environment.
更多的细节可以在我们的 Account Overview.
No. 没有月租费，也没有最低余额要求.
Yes. You need to have a Patelco checking account and deposit a minimum of $500 total each month to the checking account to qualify for the higher rate in your Money Market Plus account. Upon opening your Money Market Plus account, you’ll have up to 3 months to meet this requirement.
You’ll automatically enjoy the higher APY based on the deposit tier you maintain during those 3 months.
If you don’t have a Patelco checking account or if you have a Patelco checking account but don’t meet the monthly $500 minimum deposit requirement, your Money Market Plus account will earn the Regular Savings interest rate currently at 0.05% APY.
好消息是，一旦你在一个月内存了500美元, 下个月你会得到更高的利率, 根据您的存款余额.
更多的细节可以在我们的 Account Overview.
If you haven’t made the $500 deposit requirement by the 3rd month after the account is opened, or if you missed a month of making a $500 minimum deposit after the initial 3-month introductory period, your Money Market Plus account will earn the Regular Savings interest rate the following month.
通过以下任何一种方式存款，就有资格获得更高的年利率:
Keep in mind that qualifying deposit transactions do not include Patelco account-to-Patelco account transfers.
更多的细节可以在我们的 Account Overview，包括哪些存款符合条件，哪些不符合条件.
Yes. 你的货币市场账户是 insured by NCUA 最高25万美元(或两人联名账户50万美元).
Learn more about 什么是货币市场账户啊 and how it works.
Like the FDIC, NCUA provides federal insurance for credit union accounts, while the FDIC provides 银行账户保险.
Patelco是一家会员所有的非营利性金融合作社. 当您加入Patelco时，您将成为会员和股东. That’s why we’ll also open a Regular Savings account and deposit one share ($1) in your account when you join.
Our mission is to help members achieve lifelong financial wellbeing so you can live happier, fuller lives.
不像大银行或其他营利性金融机构, 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, 并支持他们做出更自信的财务选择.
会员资格是免费的，而且有很多好处. 当你在我们这里开户时，你就成为会员了.
建立应急基金, 为大件购物或度假而存钱, 或者通过Patelco Money Market Plus账户最大化你的回报.
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.
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.
我如何决定是存钱优先还是还债优先? 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 APY=年收益率百分比. Rates are effective as of 12/01/2023 and are subject to change before or after account opening without notice. 费率因等级而异，并适用于全部余额.
The following variable interest rates will apply to your account balance: 4.25万美元余额50%的年利率.00 or greater, 4.余额在10万美元之间，年利率为00%.00 and $249,999.99, 3.存款余额在5万美元之间，年利率为51%.00 and $99,999.99, 3.余额的年利率为00%，最高可达49,999美元.99.
In order to attain higher interest rates the account must meet the eligibility requirements, that is a Patelco checking account (opened under the same Member Number) with a total monthly deposit of $500 or more. 如果账户不符合资格，则利率较低，为0.05%的年利率将违约. 合格的存款交易包括:工资直接存款, 社会保障(或其他政府福利)直接存款, ACH transfers, Zelle®, Venmo, PayPal或其他类似的存款, cash deposits, 支票存款(从另一个Patelco账户开出的支票除外), wire transfers, multiple deposits (of the types listed above) that add up to at least $500 in a calendar month. Qualifying deposit transactions do not include Patelco account-to-Patelco account transfers, 来自帕特尔科的退款或促销奖励.
欲了解更多详情，请阅读我们的 货币市场加上帐户概述.
2 截至2023年10月11日的信息.
3 来源:App Store上超过2.2万条五星评价.
4 Early access to direct deposit funds depends on the timing of the receipt of the payment file from the payer. We generally make these funds available on the day the payment file is received, 哪一天可能比预定的付款日期早2天.
5 Checking Requirements: In order to attain high interest rates the account must meet the eligibility requirements, that is a Patelco checking account (opened under the same Member Number) with a total monthly deposit of $500 or more. 如果账户不符合资格，则利率较低，为0.05%的年利率将在当月违约.
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