Share Certificates

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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

8 Month Share Certificate

Minimum Balance

Tier

APY1

Dividend Earnings2

1APY=Annual Percentage Yield at 3.80% minimum deposit $10,000+. Rate Effective 9/3/2025 and is subject to change without notice. Withdrawals and fees could reduce earnings. Penalty for early withdrawal. Not available in IRA. Other restrictions may apply.
2Dividend Earnings based on minimum tier balance
Rates effective as of September 3, 2025
Learn more

Minimum Balance

$10,000

Tier

$10,000-$24,999

APY1

3.80%

Dividend Earnings2

$256.15

Minimum Balance

$25,000

Tier

$25,000-$99,999

APY1

3.80%

Dividend Earnings2

$640.40

Minimum Balance

$100,000

Tier

$100,000-$250,000

APY1

3.80%

Dividend Earnings2

$2,561.59

Minimum Balance

$250,000.01

Tier

$250,000+

APY1

3.80%

Dividend Earnings2

$6,403.97
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

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 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

 

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 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 other rates

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Disclosures

  • NCUA

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