Certificates

Share Certificates

Share certificates at Patriot 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 dividend rate will be
• Monthly dividends
• Low-risk investment- Insured up to $250,000 by NCUA
• Fixed dividend rate
• No monthly account fee

Continuous Saver Certificate

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.

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

All Certificate Rates

 

* Annual Percentage Yield (APY) at 5.15% on 15-Month Certificate for the $10,000–$24,999 tier. Other rates and tiers are available with a minimum opening balance of $10,000. Rate effective 07/14/23 and is subject to change without notice. The APY assumes that all interest remains on deposit until maturity. Withdrawals and fees could reduce earnings. Substantial penalty for early withdrawal. At maturity the certificate will automatically renew for a term of 15 months at the prevailing rate. Not valid with any other offer. Must be a member. Other restrictions apply. INSURED BY NCUA.

 

* Annual Percentage Yield (APY) at 4.60% on 30-Month Certificate for the $10,000–$24,999 tier. Other rates and tiers are available with a minimum opening balance of $10,000. Rate effective 07/14/23 and is subject to change without notice. The APY assumes that all interest remains on deposit until maturity. Withdrawals and fees could reduce earnings. Substantial penalty for early withdrawal. At maturity the certificate will automatically renew for a term of 30 months at the prevailing rate. Not valid with any other offer. Must be a member. Other restrictions apply. INSURED BY NCUA.

 

* Annual Percentage Yield (APY) at 4.10% on 60-Month Certificate for the $10,000–$24,999 tier. Other rates and tiers are available with a minimum opening balance of $10,000. Rate effective 07/14/23 and is subject to change without notice. The APY assumes that all interest remains on deposit until maturity. Withdrawals and fees could reduce earnings. Substantial penalty for early withdrawal. At maturity the certificate will automatically renew for a term of 60 months at the prevailing rate. Not valid with any other offer. Must be a member. Other restrictions apply. INSURED BY NCUA.