Patelco的货币市场+账户提供的未偿利率是全国平均水平的5倍2 to help you grow your savings faster. +, enjoy peace of mind knowing that 你的钱有保险 by the National 信贷 Union Administration (NCUA).
你必须有一个Patelco支票账户，并且每月至少定期存入500美元. 你每个月赚取的利率将根据你在“货币市场+”账户中的余额来计算.
|
年1 |
率 |
最低余额 |
支票账户* |
|---|---|---|---|
| 4.50% | 4.41% | $250,000.00 | 是的 |
| 4.00% | 3.93% | $100,000.00 | 是的 |
| 3.51% | 3.45% | $50,000.00 | 是的 |
| 3.00% | 2.96% | $1.00 | 是的 |
| 0.05% | 0.05% | $1.00 | No |
*每月定期向Patelco支票账户存入500美元或以上的存款包括直接存款, 乙酰胆碱转移, Zelle, Venmo, 贝宝, 现金, 检查, 或电线. Patelco to Patelco account transfers, 来自Patelco的退款或促销激励付款不属于合格存款.
Your money is insured up to $250,000.00 ($500,000.00 for joint accounts)
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将您的资金在关联的Patelco账户或外部账户之间转移，以利用高收益率
完整的 这种形式，或登入网上银行，直接存入您的Patelco支票帐户
利率 Effective 12/01/2023
|
需求的满足5 |
分钟的平衡 |
马克斯平衡 |
年1 |
|
率 |
|
|
股息 |
|
|
|---|---|---|---|---|---|---|---|---|---|---|
| 是的 | $250,000.00 | N/A | 4.50% | 4.41% | 每月 | |||||
| 是的 | $100,000.00 | $249,999.99 | 4.00% | 3.93% | 每月 | |||||
| 是的 | $50,000.00 | $99,999.99 | 3.51% | 3.45% | 每月 | |||||
| 是的 | $1.00 | $49,999.99 | 3.00% | 2.96% | 每月 | |||||
| No | $1.00 | N/A | 0.05% | 0.05% | 每月 |
货币市场+帐户根据您的每日帐户余额提供分层利率. +, 你必须有一个Patelco支票账户，满足每月500美元或以上的定期存款要求.
以下浮动利率将适用于您的账户余额.50%的年 on balances of $250,000.00或更大，4.00% 年 on balances between $100,000.00美元和249999美元.99, 3.51% 年 on balances between $50,000.00美元和99999美元.99, 3.00% 年 on balances up to $49,999.99.
您将自动获得分级费率上面列出的基础上，每天的帐户余额维持当你开了账户和3个月后. If you want to continue earning higher interest rate after that, 你需要有一个Patelco支票账户(在同一会员名下)，每月定期向该账户存入500美元或更多.
如果您在帐户开立后的第3个日历月仍未满足合格的支票帐户要求, you’ll earn the 常规的 储蓄 interest rate, which is currently at 0.05% 年, regardless of the balance you maintain.
Once you meet the requirements, 你将在下个月开始在适用余额层获得更高的利率.
请记住，年(年度百分比收益率)是一个可变利率，可能会根据利率环境上升或下降.
More details may be found in our 账户概述.
No. There’s no monthly fee and no minimum balance requirements.
是的. 你需要有一个Patelco支票账户，每月至少存入500美元，才有资格在你的“货币市场+”账户中享受更高的利率. 在开设您的货币市场+账户后，您将有最多3个月的时间来满足这一要求.
在这3个月内，您将自动享受基于存款级别的较高年.
如果你没有Patelco支票账户或者如果你有Patelco支票账户但没有达到每月500美元的最低存款要求, 您的货币市场+账户将获得目前为0的常规储蓄利率.05%的年.
The good news is once you establish the $500 deposit during a month, you will receive the higher interest rate the following month, based on the deposit balance you maintain.
More details may be found in our 账户概述.
如果您在开户后的第3个月还没有按期存入500美元, 或者在最初的3个月试用期过后，你错过了一个月的最低存款500美元, 你的“货币市场+”账户在下个月将获得常规储蓄利率.
Qualify for the higher 年 by making a deposit any of these ways:
请记住，合格的存款交易不包括Patelco账户到Patelco账户的转账.
More details may be found in our 账户概述, including which deposits qualify and which do not.
是的. Your Money Market account is 由NCUA投保 for up to $250,000 (or $500,000 in a joint account for two people).
了解更多关于 what a money market account is 以及它是如何工作的.
与FDIC一样，NCUA为信用合作社账户提供联邦保险，而FDIC提供 insurance for bank accounts.
Patelco is a member owned, not-for-profit financial cooperative. When you join Patelco, you become a member and a shareholder. 这就是为什么我们还会在你加入时开立一个普通储蓄账户，并在你的账户中存入一股(1美元).
我们的使命是帮助会员实现终身财务健康，让您生活得更快乐, fuller生活.
Unlike the big banks or other for-profit financial institutions, 我们以更优惠的利率和低至零的费用将我们的利润投资给我们的会员.
我们还为任何想要改善财务状况的人提供免费的财务建议. 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 great benefits. You become a member when you open an account with us.
Build your emergency fund, save for a large purchase or vacation, or just maximize your return with a Patelco 货币市场+ account.
Learn how a money market account works, the benefits and drawbacks, how to choose the best MMA for you, and tips for using one effectively.
If you’re saving for a big goal, 以下是你可以采取的具体步骤，它们会让你离目标更近.
How do I decide whether to prioritize saving or paying off debt? 好消息是，你可以通过制定一个财务计划来说明你的目标，从而在财务健康的这两个方面取得进展.
1 年=Annual Percentage Yield. 利率自2023年12月1日起生效，在开户前或开户后如有变动，恕不另行通知. 利率 vary by tier and apply to the full balance.
以下浮动利率将适用于您的账户余额.50%的年 on balances of $250,000.00或更大，4.00% 年 on balances between $100,000.00美元和249999美元.99, 3.51% 年 on balances between $50,000.00美元和99999美元.99, 3.00% 年 on balances up to $49,999.99.
为了获得更高的利率，该帐户必须符合资格要求, 即以同一会员号码开立的Patelco支票账户，每月存款总额为500美元或以上. If the account fails to meet eligibility, the lower interest rate of 0.05%的年 will be defaulted. Qualifying deposit transactions include: Payroll direct deposits, Social Security (or other government benefit) direct deposits, 乙酰胆碱转移, Zelle®, Venmo, 贝宝 or other similar deposits, 现金存款, 检查 deposits (except 检查s written from another Patelco account), 电汇, 多个存款(以上列出的类型)在一个日历月里累计至少500美元. 合格的存款交易不包括Patelco账户到Patelco账户的转账, chargebacks or promotional incentive payments from Patelco.
For more details, read our 货币市场+ 账户概述.
2 Informa as of 11/10/2023.
3 Source: over 22,000 five-star reviews on the App Store.
4 能否早日获得直接存款资金取决于收到付款人付款文件的时间. 我们通常在收到付款文件的当天提供这些资金, which may be up to 2 days earlier than the scheduled payment date.
5 检查要求:为了获得高利率，该帐户必须符合资格要求, 即以同一会员号码开立的Patelco支票账户，每月存款总额为500美元或以上. If the account fails to meet eligibility, the lower interest rate of 0.05%的年 will be defaulted for that month.
