# Patelco Credit Union CD and share certificate rates

As of October 22, 2026, Patelco Credit Union's highest CD (share certificate) rate is 4.25% APY on a 7-month promotional CD ($250 minimum). That is 3.1 times the FDIC national average for 6-month CDs (1.39%). Standard CD rates range from 3.00% to 3.50% APY.

Canonical page: https://apyledger.com/cd-rates/patelco-credit-union
Institution: Patelco Credit Union (NCUA 68579)
Aliases: Patelco
Status: live
Last verified: 2026-10-22T10:08:40.000Z (October 22, 2026)
Official source: https://www.patelco.org/checking-and-savings/savings-accounts/share-certificates
Treasury comparison date: 2026-10-21. Premiums are percentage points versus the same-term APY-equivalent Treasury yield.

| Product | Kind | Term | Minimum deposit | APY | Quoted location | vs. Treasury | Verified (UTC) | Source snapshot |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Certificate | standard | 3 months | $250 | 3.00% | Not ZIP-priced | −1.29% | 2026-10-22T10:08:40.000Z | [Snapshot 223](https://apyledger.com/snapshots/223) |
| Certificate | standard | 6 months | $250 | 3.00% | Not ZIP-priced | −1.40% | 2026-10-22T10:08:40.000Z | [Snapshot 223](https://apyledger.com/snapshots/223) |
| Certificate | promotional | 7 months | $250 | 4.25% | Not ZIP-priced | −0.18% | 2026-10-22T10:08:40.000Z | [Snapshot 223](https://apyledger.com/snapshots/223) |
| Certificate | promotional | 8 months | $250 | 4.00% | Not ZIP-priced | −0.45% | 2026-10-22T10:08:40.000Z | [Snapshot 223](https://apyledger.com/snapshots/223) |
| Certificate | standard | 12 months | $250 | 3.00% | Not ZIP-priced | −1.57% | 2026-10-22T10:08:40.000Z | [Snapshot 223](https://apyledger.com/snapshots/223) |
| Certificate | promotional | 13 months | $250 | 4.15% | Not ZIP-priced | −0.45% | 2026-10-22T10:08:40.000Z | [Snapshot 223](https://apyledger.com/snapshots/223) |
| Certificate | standard | 18 months | $250 | 3.00% | Not ZIP-priced | −1.72% | 2026-10-22T10:08:40.000Z | [Snapshot 223](https://apyledger.com/snapshots/223) |
| Certificate | standard | 24 months | $250 | 3.00% | Not ZIP-priced | −1.87% | 2026-10-22T10:08:40.000Z | [Snapshot 223](https://apyledger.com/snapshots/223) |
| Certificate | standard | 36 months | $250 | 3.00% | Not ZIP-priced | −1.95% | 2026-10-22T10:08:40.000Z | [Snapshot 223](https://apyledger.com/snapshots/223) |
| Certificate | standard | 48 months | $250 | 3.25% | Not ZIP-priced | −1.73% | 2026-10-22T10:08:40.000Z | [Snapshot 223](https://apyledger.com/snapshots/223) |
| Certificate | standard | 60 months | $250 | 3.50% | Not ZIP-priced | −1.51% | 2026-10-22T10:08:40.000Z | [Snapshot 223](https://apyledger.com/snapshots/223) |

Rates and eligibility can change. ZIP-specific quotes must not be treated as statewide or nationwide offers. Confirm terms with the institution before opening an account. This is not financial advice.