Individual Retirement Accounts (IRAs)

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Choose Our IRA Plans for a Brighter Tomorrow

Patriot offers several great-rate options to help you save for retirement or your child’s college education.

IRA Options

IRA investments are subject to IRS rules and restrictions

Funded with

Funded with
Contributions

Contributions
Withdrawals

Withdrawals

Traditional IRA

Funded with

Pre-tax $
Contributions

Tax deductible if IRS qualifications are met
Withdrawals

Taxed as ordinary income

Roth IRA

Funded with

After-tax $
Contributions

Not tax deductible
Withdrawals

Tax-free withdrawals

Coverdell Education Savings Account

The Coverdell Education Savings Account (formerly known as the Education IRA) is a savings account that will help pay for your child’s education. You can contribute funds to help pay for your child or grandchild’s qualified educational expenses, while taking tax advantages.*

A parent or legal guardian must open the account and list the child as the beneficiary
Contributions are allowed until the beneficiary reaches age 18
Anyone may contribute to a max amount of $2,000 per year
Earnings are tax-deferred

Today’s 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 28, 2025 Learn more
Minimum Balance $1,000	Tier $1,000-$9,999	APY¹ 2.15%	Dividend Earnings² $21.71
Minimum Balance $10,000	Tier $10,000-$24,999	APY¹ 2.25%	Dividend Earnings² $227.33
Minimum Balance $25,000	Tier $25,000-$99,999	APY¹ 2.25%	Dividend Earnings² $568.34
Minimum Balance $100,000	Tier $100,000-$250,000	APY¹ 2.30%	Dividend Earnings² $2,324.40
Minimum Balance $250,000.01	Tier $250,000.01+	APY¹ 2.35%	Dividend Earnings² $5,938.69

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 28, 2025 Learn more
Minimum Balance $1,000	Tier $1,000-$9,999	APY¹ 2.25%	Dividend Earnings² $34.29
Minimum Balance $10,000	Tier $10,000-$24,999	APY¹ 2.35%	Dividend Earnings² $358.43
Minimum Balance $25,000	Tier $25,000-$99,999	APY¹ 2.35%	Dividend Earnings² $896.07
Minimum Balance $100,000	Tier $100,000-$250,000	APY¹ 2.40%	Dividend Earnings² $3,661.86
Minimum Balance $250,000.01	Tier $250,000.01+	APY¹ 2.45%	Dividend Earnings² $9,348.69

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 October 21, 2025 Learn more
Minimum Balance $10,000	Tier $10,000-$24,999	APY¹ 3.50%	Dividend Earnings² $568.96
Minimum Balance $25,000	Tier $25,000-$99,999	APY¹ 3.50%	Dividend Earnings² $1,422.39
Minimum Balance $100,000	Tier $100,000-$250,000	APY¹ 3.50%	Dividend Earnings² $5,689.57
Minimum Balance $250,000.01	Tier $250,000.01+	APY¹ 3.50%	Dividend Earnings² $14,223.92

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 December 1, 2025 Learn more
Minimum Balance $1,000	Tier $1,000-$9,999	APY¹ 2.55%	Dividend Earnings² $52.27
Minimum Balance $10,000	Tier $10,000-$24,999	APY¹ 2.65%	Dividend Earnings² $543.68
Minimum Balance $25,000	Tier $25,000-$99,999	APY¹ 2.65%	Dividend Earnings² $1,359.20
Minimum Balance $100,000	Tier $100,000-$250,000	APY¹ 2.70%	Dividend Earnings² $5,542.06
Minimum Balance $250,000.01	Tier $250,000.01+	APY¹ 2.75%	Dividend Earnings² $14,118.53

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 October 21, 2025 Learn more
Minimum Balance $1,000	Tier $1,000-$9,999	APY¹ 3.15%	Dividend Earnings² $81.82
Minimum Balance $10,000	Tier $10,000-$24,999	APY¹ 3.25%	Dividend Earnings² $845.23
Minimum Balance $25,000	Tier $25,000-$99,999	APY¹ 3.25%	Dividend Earnings² $2,113.07
Minimum Balance $100,000	Tier $100,000-$250,000	APY¹ 3.30%	Dividend Earnings² $8,587.57
Minimum Balance $250,000.01	Tier $250,000.01+	APY¹ 3.35%	Dividend Earnings² $21,807.54

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 28, 2025 Learn more
Minimum Balance $1,000	Tier $1,000-$9,999	APY¹ 2.95%	Dividend Earnings² $92.42
Minimum Balance $10,000	Tier $10,000-$24,999	APY¹ 3.05%	Dividend Earnings² $956.90
Minimum Balance $25,000	Tier $25,000-$99,999	APY¹ 3.05%	Dividend Earnings² $2,392.24
Minimum Balance $100,000	Tier $100,000-$250,000	APY¹ 3.10%	Dividend Earnings² $9,733.01
Minimum Balance $250,000.01	Tier $250,000.01+	APY¹ 3.15%	Dividend Earnings² $24,743.27

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 October 21, 2025 Learn more
Minimum Balance $1,000	Tier $1,000-$9,999	APY¹ 3.35%	Dividend Earnings² $143.18
Minimum Balance $10,000	Tier $10,000-$24,999	APY¹ 3.45%	Dividend Earnings² $1,477.48
Minimum Balance $25,000	Tier $25,000-$99,999	APY¹ 3.45%	Dividend Earnings² $3,693.71
Minimum Balance $100,000	Tier $100,000-$250,000	APY¹ 3.50%	Dividend Earnings² $15,003.94
Minimum Balance $250,000.01	Tier $250,000.01+	APY¹ 3.55%	Dividend Earnings² $38,083.77

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 28, 2025 Learn more
Minimum Balance $1,000	Tier $1,000-$9,999	APY¹ 3.15%	Dividend Earnings² $170.34
Minimum Balance $10,000	Tier $10,000-$24,999	APY¹ 3.25%	Dividend Earnings² $1,761.90
Minimum Balance $25,000	Tier $25,000-$99,999	APY¹ 3.25%	Dividend Earnings² $4,404.75
Minimum Balance $100,000	Tier $100,000-$250,000	APY¹ 3.30%	Dividend Earnings² $17,912.61
Minimum Balance $250,000.01	Tier $250,000.01+	APY¹ 3.35%	Dividend Earnings² $45,517.35

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

View all rates

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Disclosures

This credit union is federally insured by the National Credit Union Administration.
*Please consult your tax advisor about your particular situation.