Individual Retirement Accounts (IRAs)

A worry-free retirement awaits.

Open an IRA Not a member yet? Get started.

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 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

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 April 8, 2025 Learn more
Minimum Balance $10,000	Tier $10,000-$24,999	APY¹ 4.00%	Dividend Earnings² $652.70
Minimum Balance $25,000	Tier $25,000-$99,999	APY¹ 4.00%	Dividend Earnings² $1,631.74
Minimum Balance $100,000	Tier $100,000-$250,000	APY¹ 4.00%	Dividend Earnings² $6,526.97
Minimum Balance $250,000.01	Tier $250,000.01+	APY¹ 4.00%	Dividend Earnings² $16,317.43

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 April 8, 2025 Learn more
Minimum Balance $1,000	Tier $1,000-$9,999	APY¹ 3.90%	Dividend Earnings² $102.24
Minimum Balance $10,000	Tier $10,000-$24,999	APY¹ 4.00%	Dividend Earnings² $1,049.87
Minimum Balance $25,000	Tier $25,000-$99,999	APY¹ 4.00%	Dividend Earnings² $2,624.68
Minimum Balance $100,000	Tier $100,000-$250,000	APY¹ 4.05%	Dividend Earnings² $10,636.46
Minimum Balance $250,000.01	Tier $250,000.01+	APY¹ 4.10%	Dividend Earnings² $26,935.94

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 April 8, 2025 Learn more
Minimum Balance $1,000	Tier $1,000-$9,999	APY¹ 3.90%	Dividend Earnings² $168.53
Minimum Balance $10,000	Tier $10,000-$24,999	APY¹ 4.00%	Dividend Earnings² $1,731.99
Minimum Balance $25,000	Tier $25,000-$99,999	APY¹ 4.00%	Dividend Earnings² $4,329.97
Minimum Balance $100,000	Tier $100,000-$250,000	APY¹ 4.05%	Dividend Earnings² $17,553.96
Minimum Balance $250,000.01	Tier $250,000.01+	APY¹ 4.10%	Dividend Earnings² $43,884.89

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

View all rates

You Might Also Be Interested In…

Share Certificates

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

Learn more

Savings & Money Market Accounts

Patriot offers a variety of savings options. Whether you are saving for retirement, an education, a house, or just a rainy day, we have a savings account that is just right for you at any stage of life.

Learn more

Explore Our Blog for Smart Money Tips and More

Clock on top of notebooks, calendar, and jar with money in the background

Open an IRA Today

Open in-person

Find your nearest branch

Get in touch

Disclosures

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