Share Certificates
Great Rates, Flexible Terms, Guaranteed!
Invest Smart & Earn More
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
![Woman looking at paper](https://www.patriotfcu.org/wp-content/uploads/Long-Form-1-6.jpg)
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](https://www.patriotfcu.org/wp-content/uploads/Long-Form-1-3.jpg)
Featured Rates
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. |
|||
Minimum Balance $10,000 |
Tier $10,000-$24,999 |
APY1 5.00% |
Dividend Earnings2 $468.00 |
Minimum Balance $25,000 |
Tier $25,000-$99,999 |
APY1 5.00% |
Dividend Earnings2 $1,170.01 |
Minimum Balance $100,000 |
Tier $100,000-$250,000 |
APY1 5.00% |
Dividend Earnings2 $4,680.02 |
Minimum Balance $250,000.01 |
Tier $250,000.01+ |
APY1 5.00% |
Dividend Earnings2 $11,700.06 |
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. |
|||
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 |
Additional Certificate Rates
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. |
|||
Minimum Balance $1,000 |
Tier $1,000-$9,999 |
APY1 2.55% |
Dividend Earnings2 $25.80 |
Minimum Balance $10,000 |
Tier $10,000-$24,999 |
APY1 2.65% |
Dividend Earnings2 $268.24 |
Minimum Balance $25,000 |
Tier $25,000-$99,999 |
APY1 2.65% |
Dividend Earnings2 $670.61 |
Minimum Balance $100,000 |
Tier $100,000-$250,000 |
APY1 2.70% |
Dividend Earnings2 $2,733.66 |
Minimum Balance $250,000.01 |
Tier $250,000.01+ |
APY1 2.75% |
Dividend Earnings2 $6,962.32 |
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. |
|||
Minimum Balance $1,000 |
Tier $1,000-$9,999 |
APY1 2.65% |
Dividend Earnings2 $40.51 |
Minimum Balance $10,000 |
Tier $10,000-$24,999 |
APY1 2.75% |
Dividend Earnings2 $420.63 |
Minimum Balance $25,000 |
Tier $25,000-$99,999 |
APY1 2.75% |
Dividend Earnings2 $1,051.59 |
Minimum Balance $100,000 |
Tier $100,000-$250,000 |
APY1 2.80% |
Dividend Earnings2 $4,206.34 |
Minimum Balance $250,000.01 |
Tier $250,000.01+ |
APY1 2.85% |
Dividend Earnings2 $10,906.01 |
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. |
|||
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 |
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. |
|||
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 |
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. |
|||
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 |
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. |
|||
Minimum Balance $1,000 |
Tier $1,000-$9,999 |
APY1 4.15% |
Dividend Earnings2 $180.24 |
Minimum Balance $10,000 |
Tier $10,000-$24,999 |
APY1 4.25% |
Dividend Earnings2 $1,849.49 |
Minimum Balance $25,000 |
Tier $25,000-$99,999 |
APY1 4.25% |
Dividend Earnings2 $4,623.72 |
Minimum Balance $100,000 |
Tier $100,000-$250,000 |
APY1 4.30% |
Dividend Earnings2 $18,731.28 |
Minimum Balance $250,000.01 |
Tier $250,000.01+ |
APY1 4.35% |
Dividend Earnings2 $47,420.30 |
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. |
|||
Minimum Balance $1,000 |
Tier $1,000-$9,999 |
APY1 3.50% |
Dividend Earnings2 $190.94 |
Minimum Balance $10,000 |
Tier $10,000-$24,999 |
APY1 3.60% |
Dividend Earnings2 $1,968.95 |
Minimum Balance $25,000 |
Tier $25,000-$99,999 |
APY1 3.60% |
Dividend Earnings2 $4,922.37 |
Minimum Balance $100,000 |
Tier $100,000-$250,000 |
APY1 3.65% |
Dividend Earnings2 $19,988.17 |
Minimum Balance $250,000.01 |
Tier $250,000.01+ |
APY1 3.70% |
Dividend Earnings2 $50,719.01 |
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. |
|||
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 |
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. |
|||
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 |
Financial Calculator
Open a Share Certificate Today.
Disclosures
-
This credit union is federally insured by the National Credit Union Administration.