Share Certificates

Great Rates, Flexible Terms, Guaranteed!

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Discover the benefits of our Certificate Accounts so you can build your savings over time.

Account Options

Share Certificates

Share Certificates at Patriot provide higher earnings than a regular savings account. Lock in today’s rate and lock in your savings.

Open with as little as $1,000
Available in terms of 3 months to 5 years
Rates are tiered based on the amount of deposit – the more you deposit, the higher the dividend rate will be
Monthly dividends
Insured up to $250,000 by NCUA
Fixed dividend rate

Continuous Saver Certificates

Continuous Saver Certificates are a great option for children and those interested in opening a certificate who do not yet have a large balance to deposit.

Open with as little as $25
Additional deposits of $10 or more may be made as often as you like
Available in terms of 24 and 60 months
Rates are tiered based on the amount of deposit – the more you deposit, the higher the dividend rate will be
Low-risk investment – Insured up to $250,000 by NCUA
Fixed dividend rate
No monthly account fee

Father and son putting money in piggy bank

Featured Rates

19 Month Share Certificate – Traditional IRA or Roth IRA
Minimum Balance	Tier	APY¹	Dividend Earnings²
¹APY=Annual Percentage Yield. Rates are subject to change without notice. Withdrawals and fees could reduce earnings. Penalty for early withdrawal. Other restrictions may apply. ²Dividend Earnings based on minimum tier balance Rates effective as of January 30, 2025 Learn more
Minimum Balance $10,000	Tier $10,000-$24,999	APY¹ 4.20%	Dividend Earnings² $686.37
Minimum Balance $25,000	Tier $25,000-$99,999	APY¹ 4.20%	Dividend Earnings² $1,715.92
Minimum Balance $100,000	Tier $100,000-$250,000	APY¹ 4.20%	Dividend Earnings² $6,863.69
Minimum Balance $250,000.01	Tier $250,000.01+	APY¹ 4.20%	Dividend Earnings² $17,159.22

30 Month Share Certificate – Traditional IRA or Roth IRA
Minimum Balance	Tier	APY¹	Dividend Earnings²
¹APY=Annual Percentage Yield. Rates are subject to change without notice. Withdrawals and fees could reduce earnings. Penalty for early withdrawal. Other restrictions may apply. ²Dividend Earnings based on minimum tier balance. Rates effective as of November 27, 2024 Learn more
Minimum Balance $1,000	Tier $1,000-$9,999	APY¹ 4.15%	Dividend Earnings² $109.12
Minimum Balance $10,000	Tier $10,000-$24,999	APY¹ 4.25%	Dividend Earnings² $1,118.91
Minimum Balance $25,000	Tier $25,000-$99,999	APY¹ 4.25%	Dividend Earnings² $2,797.28
Minimum Balance $100,000	Tier $100,000-$250,000	APY¹ 4.30%	Dividend Earnings² $11,327.69
Minimum Balance $250,000.01	Tier $250,000.01+	APY¹ 4.35%	Dividend Earnings² $28,666.10

48 Month Share Certificate – Traditional IRA or Roth IRA
Minimum Balance	Tier	APY¹	Dividend Earnings²
¹APY=Annual Percentage Yield. Rates are subject to change without notice. Withdrawals and fees could reduce earnings. Penalty for early withdrawal. Other restrictions may apply. ²Dividend Earnings based on minimum tier balance Rates effective as of January 30, 2025 Learn more
Minimum Balance $1,000	Tier $1,000-$9,999	APY¹ 4.20%	Dividend Earnings² $182.59
Minimum Balance $10,000	Tier $10,000-$24,999	APY¹ 4.30%	Dividend Earnings² $1,873.13
Minimum Balance $25,000	Tier $25,000-$99,999	APY¹ 4.30%	Dividend Earnings² $4,682.82
Minimum Balance $100,000	Tier $100,000-$250,000	APY¹ 4.35%	Dividend Earnings² $18,968.12
Minimum Balance $250,000.01	Tier $250,000.01+	APY¹ 4.40%	Dividend Earnings² $48,013.57

Additional Certificate Rates

12 Month Share Certificate – Traditional IRA or Roth IRA
Minimum Balance	Tier	APY¹	Dividend Earnings²
¹APY=Annual Percentage Yield. Rates are subject to change without notice. Withdrawals and fees could reduce earnings. Penalty for early withdrawal. Other restrictions may apply. ²Dividend Earnings based on minimum tier balance Rates effective as of November 27, 2024 Learn more
Minimum Balance $1,000	Tier $1,000-$9,999	APY¹ 2.40%	Dividend Earnings² $24.27
Minimum Balance $10,000	Tier $10,000-$24,999	APY¹ 2.50%	Dividend Earnings² $252.88
Minimum Balance $25,000	Tier $25,000-$99,999	APY¹ 2.50%	Dividend Earnings² $632.21
Minimum Balance $100,000	Tier $100,000-$250,000	APY¹ 2.55%	Dividend Earnings² $2,580.02
Minimum Balance $250,000.01	Tier $250,000.01+	APY¹ 2.60%	Dividend Earnings² $6,578.02

18 Month Share Certificate – Traditional IRA or Roth IRA
Minimum Balance	Tier	APY¹	Dividend Earnings²
¹APY=Annual Percentage Yield. Rates are subject to change without notice. Withdrawals and fees could reduce earnings. Penalty for early withdrawal. Other restrictions may apply. ²Dividend Earnings based on minimum tier balance Rates effective as of November 27, 2024 Learn more
Minimum Balance $1,000	Tier $1,000-$9,999	APY¹ 2.50%	Dividend Earnings² $38.17
Minimum Balance $10,000	Tier $10,000-$24,999	APY¹ 2.60%	Dividend Earnings² $397.27
Minimum Balance $25,000	Tier $25,000-$99,999	APY¹ 2.60%	Dividend Earnings² $993.17
Minimum Balance $100,000	Tier $100,000-$250,000	APY¹ 2.65%	Dividend Earnings² $4,050.50
Minimum Balance $250,000.01	Tier $250,000.01+	APY¹ 2.70%	Dividend Earnings² $10,320.98

24 Month Share Certificate – Traditional IRA or Roth IRA
Minimum Balance	Tier	APY¹	Dividend Earnings²
¹APY=Annual Percentage Yield. Rates are subject to change without notice. Withdrawals and fees could reduce earnings. Penalty for early withdrawal. Other restrictions may apply. ²Dividend Earnings based on minimum tier balance Rates effective as of November 27, 2024 Learn more
Minimum Balance $1,000	Tier $1,000-$9,999	APY¹ 2.80%	Dividend Earnings² $57.53
Minimum Balance $10,000	Tier $10,000-$24,999	APY¹ 2.90%	Dividend Earnings² $596.41
Minimum Balance $25,000	Tier $25,000-$99,999	APY¹ 2.90%	Dividend Earnings² $1,491.02
Minimum Balance $100,000	Tier $100,000-$250,000	APY¹ 2.95%	Dividend Earnings² $6,069.84
Minimum Balance $250,000.01	Tier $250,000.01+	APY¹ 3.00%	Dividend Earnings² $15,439.26

30 Month Share Certificate – Traditional IRA or Roth IRA
Minimum Balance	Tier	APY¹	Dividend Earnings²
¹APY=Annual Percentage Yield. Rates are subject to change without notice. Withdrawals and fees could reduce earnings. Penalty for early withdrawal. Other restrictions may apply. ²Dividend Earnings based on minimum tier balance. Rates effective as of November 27, 2024 Learn more
Minimum Balance $1,000	Tier $1,000-$9,999	APY¹ 4.15%	Dividend Earnings² $109.12
Minimum Balance $10,000	Tier $10,000-$24,999	APY¹ 4.25%	Dividend Earnings² $1,118.91
Minimum Balance $25,000	Tier $25,000-$99,999	APY¹ 4.25%	Dividend Earnings² $2,797.28
Minimum Balance $100,000	Tier $100,000-$250,000	APY¹ 4.30%	Dividend Earnings² $11,327.69
Minimum Balance $250,000.01	Tier $250,000.01+	APY¹ 4.35%	Dividend Earnings² $28,666.10

36 Month Share Certificate – Traditional IRA or Roth IRA
Minimum Balance	Tier	APY¹	Dividend Earnings²
¹APY=Annual Percentage Yield. Rates are subject to change without notice. Withdrawals and fees could reduce earnings. Penalty for early withdrawal. Other restrictions may apply. ²Dividend Earnings based on minimum tier balance Rates effective as of November 27, 2024 Learn more
Minimum Balance $1,000	Tier $1,000-$9,999	APY¹ 2.90%	Dividend Earnings² $90.78
Minimum Balance $10,000	Tier $10,000-$24,999	APY¹ 3.00%	Dividend Earnings² $940.51
Minimum Balance $25,000	Tier $25,000-$99,999	APY¹ 3.00%	Dividend Earnings² $2,351.29
Minimum Balance $100,000	Tier $100,000-$250,000	APY¹ 3.05%	Dividend Earnings² $9,568.96
Minimum Balance $250,000.01	Tier $250,000.01+	APY¹ 3.10%	Dividend Earnings² $24,332.53

48 Month Share Certificate – Traditional IRA or Roth IRA
Minimum Balance	Tier	APY¹	Dividend Earnings²
¹APY=Annual Percentage Yield. Rates are subject to change without notice. Withdrawals and fees could reduce earnings. Penalty for early withdrawal. Other restrictions may apply. ²Dividend Earnings based on minimum tier balance Rates effective as of January 30, 2025 Learn more
Minimum Balance $1,000	Tier $1,000-$9,999	APY¹ 4.20%	Dividend Earnings² $182.59
Minimum Balance $10,000	Tier $10,000-$24,999	APY¹ 4.30%	Dividend Earnings² $1,873.13
Minimum Balance $25,000	Tier $25,000-$99,999	APY¹ 4.30%	Dividend Earnings² $4,682.82
Minimum Balance $100,000	Tier $100,000-$250,000	APY¹ 4.35%	Dividend Earnings² $18,968.12
Minimum Balance $250,000.01	Tier $250,000.01+	APY¹ 4.40%	Dividend Earnings² $48,013.57

60 Month Share Certificate – Traditional IRA or Roth IRA
Minimum Balance	Tier	APY¹	Dividend Earnings²
¹APY=Annual Percentage Yield. Rates are subject to change without notice. Withdrawals and fees could reduce earnings. Penalty for early withdrawal. Other restrictions may apply. ²Dividend Earnings based on minimum tier balance Rates effective as of November 27, 2024 Learn more
Minimum Balance $1,000	Tier $1,000-$9,999	APY¹ 3.40%	Dividend Earnings² $185.02
Minimum Balance $10,000	Tier $10,000-$24,999	APY¹ 3.50%	Dividend Earnings² $1,909.43
Minimum Balance $25,000	Tier $25,000-$99,999	APY¹ 3.50%	Dividend Earnings² $4,773.57
Minimum Balance $100,000	Tier $100,000-$250,000	APY¹ 3.55%	Dividend Earnings² $19,391.52
Minimum Balance $250,000.01	Tier $250,000.01+	APY¹ 3.60%	Dividend Earnings² $49,223.70

24 Month Continuous Saver Share Certificate – Traditional IRA or Roth IRA
Minimum Balance	Tier	APY¹	Dividend Earnings²
¹APY=Annual Percentage Yield. Rates are subject to change without notice. Withdrawals and fees could reduce earnings. Penalty for early withdrawal. Other restrictions may apply. ²Dividend Earnings based on minimum tier balance Rates effective as of November 27, 2024 Learn more
Minimum Balance $25	Tier $25-$999	APY¹ 1.65%	Dividend Earnings² $0.84
Minimum Balance $1,000	Tier $1,000-$9,999	APY¹ 1.70%	Dividend Earnings² $34.56
Minimum Balance $10,000	Tier $10,000-$24,999	APY¹ 1.75%	Dividend Earnings² $355.93
Minimum Balance $25,000	Tier $25,000-$99,999	APY¹ 1.75%	Dividend Earnings² $889.83
Minimum Balance $100,000	Tier $100,000-$250,000	APY¹ 1.80%	Dividend Earnings² $3,662.79
Minimum Balance $250,000.01	Tier $250,000.01+	APY¹ 1.85%	Dividend Earnings² $9,156.97

60 Month Continuous Saver Share Certificate – Traditional IRA or Roth IRA
Minimum Balance	Tier	APY¹	Dividend Earnings²
¹APY=Annual Percentage Yield. Rates are subject to change without notice. Withdrawals and fees could reduce earnings. Penalty for early withdrawal. Other restrictions may apply. ²Dividend Earnings based on minimum tier balance Rates effective as of November 27, 2024 Learn more
Minimum Balance $25	Tier $25-$999	APY¹ 2.15%	Dividend Earnings² $2.83
Minimum Balance $1,000	Tier $1,000-$9,999	APY¹ 2.20%	Dividend Earnings² $116.17
Minimum Balance $10,000	Tier $10,000-$24,999	APY¹ 2.25%	Dividend Earnings² $1,189.54
Minimum Balance $25,000	Tier $25,000-$99,999	APY¹ 2.25%	Dividend Earnings² $2,973.86
Minimum Balance $100,000	Tier $100,000-$250,000	APY¹ 2.30%	Dividend Earnings² $12,175.00
Minimum Balance $250,000.01	Tier $250,000.01+	APY¹ 2.35%	Dividend Earnings² $31,138.10

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Disclosures

This credit union is federally insured by the National Credit Union Administration.

Share Certificates

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Invest Smart & Earn More

Account Options

Share Certificates

Continuous Saver Certificates

Featured Rates

Additional Certificate Rates

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