Certificates of Deposit

With competitive rates and guaranteed safety, Share Certificates take the risk out of reaching your savings goals. It’s one of the best ways to earn more on your money while maintaining control over your funds. Share Certificates lock in a competitive rate for a set time period, based upon the dollar level. With a choice of flexible terms, Share Certificates are available for general savings as well as Individual Retirement Accounts – Traditional and Roth. Choose from the following certificate types to fit your needs:

Regular Share Certificate

Regular Share Certificates offer fixed rates that are insured up to $250,000 by NCUA. Share certificates provide higher earnings than a regular savings account. Since these accounts restrict access to funds, they’re a great incentive to keep building up 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 interest rate will be
  • Earnings may be compounded or transferred to your Patriot savings or checking account on a quarterly basis
  • Monthly dividends offered for certificates with an opening balance of $5,000.00 or more.
  • Low-risk investment
  • Fixed interest rate
  • No monthly account fee

Continuous Saver Certificate

Our Continuous Saver Certificate is the perfect stepping-stone to good savings habits. You can open with a small deposit and add to it throughout the term. The Continuous Saver Certificate is an excellent tool to save for school, a rainy day or simply for savings practice! Continuous Saver Certificates are a great certificate option for children and those interested in opening a certificate who do not yet have a large balance to deposit. Since a continuous saver certificate requires a low minimum balance to open, still earns a high return and does not allow money to be taken out until maturity, it is a great tool to meet savings goals.

  • 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 interest rate will be
  • Low-risk investment
  • Fixed interest rate
  • Insured up to $250,000 by NCUA
  • No monthly account fee

Still shopping around for other high-interest bearing account options? Also check out our Dividend Checking account where you can earn up to 2% APY1.

Our certificate accounts also come with all the same benefits that come with being a member at Patriot:

  • FREE 24/7/365 Access to Your Account – Check on your account anywhere, anytime with free online, mobile, and telephone banking
  • Easy access to any of our 9 branch locations throughout Chambersburg, PA, Waynesboro, PA, and Hagerstown, MD
  • Low to no account fees
  • Access to some of the lowest loan rates in the area

Rates, terms and conditions subject to change without prior notice. Early withdrawal may lower earnings. Penalties may be imposed for early withdrawal. IRA products are subject to IRS regulations. Consult your tax advisor.

Dividend Rates

1Annual Percentage Yield is accurate as of 08/01/18. Minimum balance required to earn dividends is $2500. Dividends paid on monthly daily balances up to $20,000. Maintaining balances larger than $20,000 will reduce the APY. Rate is variable and subject to change on a monthly basis. Fees could reduce the earnings on the account.