# Patelco Credit Union 7-Month New Money: 4.25% APY

Canonical: https://dealaka.com/offers/patelco-credit-union-7-month-new-money-rate

- Status: Limited reports
- Bonus: 4.25% APY
- APY: 4.25% (7-month term)
- Requirement: $250 minimum, 7-month term, new money only
- Expires: no published end date
- Availability: Nationwide
- Institution: Patelco Credit Union
- Verified: Aug 13, 2026 against patelco.org
- Field reports: 0

## Summary
Patelco offers 4.25% APY on a 7-month certificate of deposit with a $250 minimum deposit. This rate applies only to new money, funds from outside Patelco or external financial institutions deposited within 10 days prior to opening. Early withdrawal penalties apply.

## Requirements
1. Apply through the offer page to open the 7-Month New Money.
2. Complete the requirement: $250 minimum, 7-month term, new money only.

## Fine print that matters
- All certificates are subject to an early withdrawal penalty.
- Rate as of 08/07/2026; rates may vary at maturity or renewal.
- The 7-month certificate promotion is available for new money only.
- New money means funds originating from outside patelco and not transferred from any existing patelco account, including checking, savings, money market, certificate, or ira accounts.
- Funds transferred between patelco accounts do not qualify.
- Funds deposited to patelco from an external financial institution within 10 calendar days prior to opening the promotional certificate will be considered new money for purposes of this promotion.
- Patelco reserves the right to determine and verify eligibility for this offer.
- Offer subject to end at any time.

## Sources
- patelco.org rate page <https://www.patelco.org/> (checked Aug 13, 2026)

_This entry is reference information, not financial advice. Confirm current terms on the institution's site before you apply._