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证书

就像存单(CD), a certificate offers a higher rate with guaranteed return for the term of the deposit.


享受有保障的回报 你的钱

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 信贷 Union Administration (NCUA) for up to $250,000.

证书的好处

安全及保安

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。

证书条款的多样性

从3个月到60个月不等

最受好评的手机应用和网上银行

在旅途中访问您的证书和帐户

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接收证书更新的警报

证书率2

税率自2024年1月3日起生效

术语

最小值. 平衡

分钟的平衡

1分红
1841713 - 5个月$250.001.001.00到期01/03/20243至60个月0到期
1842226 - 11个月$250.002.001.98到期01/08/20230
18545412 - 17个月$250.003.002.96每月01/08/20230
185575.218 - 23个月$250.003.753.69每月01/08/2023$500,000.0018个月
18565724 - 35个月 $250.003.503.45每月01/08/20230
18571836 - 47个月$250.003.002.96每月01/08/20230
18577948 - 59个月$250.003.002.96每月01/08/20230
185841060个月$250.003.002.96每月01/08/20233至60个月0
28693414个月促销*$250.004.904.80每月01/02/20240
28698623个月优惠*$250.004.604.51每月01/08/20230

*14-月 推广证书 has a premium rate of 4.年为90%,标准费率为4.60% 年; 23-月 推广证书 has a premium rate of 4.年利率60%,标准利率4.10%的年. Premium rate requires either 10+ years of tenure as a Patelco member, or an active checking account with at least $500 monthly deposits3

爱尔兰共和军证书费率2

税率自2024年1月3日起生效

术语最小值. 平衡1分红
28701414个月促销$250.004.904.80每月01/08/2023
28704623个月优惠$250.004.604.51每月01/08/2023
186511060个月$250.003.002.96每月01/08/2023
18645948 - 59个月$250.003.002.96每月01/08/2023
18635836 - 47个月$250.003.002.96每月01/08/2023
18627724 - 35个月$250.003.503.45每月01/08/2023
185175.218 - 23个月$250.003.753.69每月01/08/2023
18510312 - 17个月$250.003.002.96每月01/08/2023
1848626 - 11个月$250.00 2.001.98到期01/08/2023
1846213 - 5个月$250.001.001.00到期01/03/2024

推广证书

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

  • A perfect fit if you are comfortable investing for 14 months to earn a higher rate.
  • 需要10年以上的Patelco成员任期, or active checking account with at least $500 monthly deposits3

4.60%年利率23个月的债券4

  • A longer-term certificate is your best bet if you think that rates may fall and want to lock in at a great rate.
  • 需要10年以上的Patelco成员任期, or active checking account with at least $500 monthly deposits3

证书常见问题

    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 储蓄 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, 听到, 通知, 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 年 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

    是的. All regular certificates can be opened as 爱尔兰共和军 certificates, unless otherwise noted. 所有爱尔兰共和军证书的最低余额为250美元.

证书阶梯策略

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.

  • 期限为3至60个月
  • 最低起存款额为250美元
  • 按月支付的复利股息
  • 保证本金回报
爱尔兰共和军的证书

All regular certificates can be opened as 爱尔兰共和军 certificates, unless otherwise noted. 所有爱尔兰共和军证书的最低余额为250美元.

1 年 =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 爱尔兰共和军 certificates, unless otherwise noted. 最小值imum 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-月 Certificate promotion has a premium rate of 4.年为90%,标准费率为4.60% 年; 23-月 Certificate promotion has a premium rate of 4.年利率60%,标准利率4.10%的年. 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. 对于爱尔兰共和军证书, the early withdrawal penalty is waived if the 爱尔兰共和军 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 年=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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