Share Certificates
Great Rates, Flexible Terms, Guaranteed!
Invest Smart & Earn More
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
Featured Rates
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. Rates effective as of March 14, 2024 |
|||
Minimum Balance $10,000 |
Tier $10,000-$24,999 |
APY1 4.60% |
Dividend Earnings2 $420.87 |
Minimum Balance $25,000 |
Tier $25,000-$99,999 |
APY1 4.60% |
Dividend Earnings2 $1,052.18 |
Minimum Balance $100,000 |
Tier $100,000-$250,000 |
APY1 4.60% |
Dividend Earnings2 $4,208.72 |
Minimum Balance $250,000.01 |
Tier $250,000.01+ |
APY1 4.60% |
Dividend Earnings2 $10,521.79 |
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. |
|||
Minimum Balance $1,000 |
Tier $1,000-$9,999 |
APY1 4.15% |
Dividend Earnings2 $109.12 |
Minimum Balance $10,000 |
Tier $10,000-$24,999 |
APY1 4.25% |
Dividend Earnings2 $1,118.91 |
Minimum Balance $25,000 |
Tier $25,000-$99,999 |
APY1 4.30% |
Dividend Earnings2 $2,831.92 |
Minimum Balance $100,000 |
Tier $100,000-$250,000 |
APY1 4.40% |
Dividend Earnings2 $11,605.35 |
Minimum Balance $250,000.01 |
Tier $250,000.01+ |
APY1 4.45% |
Dividend Earnings2 $29,361.08 |
Additional Certificate Rates
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. |
|||
Minimum Balance $1,000 |
Tier $1,000-$9,999 |
APY1 2.55% |
Dividend Earnings2 $25.80 |
Minimum Balance $10,000 |
Tier $10,000-$24,999 |
APY1 2.65% |
Dividend Earnings2 $268.24 |
Minimum Balance $25,000 |
Tier $25,000-$99,999 |
APY1 2.70% |
Dividend Earnings2 $683.42 |
Minimum Balance $100,000 |
Tier $100,000-$250,000 |
APY1 2.80% |
Dividend Earnings2 $2,836.21 |
Minimum Balance $250,000.01 |
Tier $250,000.01+ |
APY1 2.85% |
Dividend Earnings2 $7,218.81 |
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. |
|||
Minimum Balance $1,000 |
Tier $1,000-$9,999 |
APY1 2.65% |
Dividend Earnings2 $40.51 |
Minimum Balance $10,000 |
Tier $10,000-$24,999 |
APY1 2.75% |
Dividend Earnings2 $420.63 |
Minimum Balance $25,000 |
Tier $25,000-$99,999 |
APY1 2.80% |
Dividend Earnings2 $1,071.09 |
Minimum Balance $100,000 |
Tier $100,000-$250,000 |
APY1 2.90% |
Dividend Earnings2 $4,440.52 |
Minimum Balance $250,000.01 |
Tier $250,000.01+ |
APY1 2.95% |
Dividend Earnings2 $11,296.72 |
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. |
|||
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 2.95% |
Dividend Earnings2 $1,517.46 |
Minimum Balance $100,000 |
Tier $100,000-$250,000 |
APY1 3.05% |
Dividend Earnings2 $6,281.67 |
Minimum Balance $250,000.01 |
Tier $250,000.01+ |
APY1 3.10% |
Dividend Earnings2 $15,969.32 |
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. |
|||
Minimum Balance $1,000 |
Tier $1,000-$9,999 |
APY1 4.15% |
Dividend Earnings2 $109.12 |
Minimum Balance $10,000 |
Tier $10,000-$24,999 |
APY1 4.25% |
Dividend Earnings2 $1,118.91 |
Minimum Balance $25,000 |
Tier $25,000-$99,999 |
APY1 4.30% |
Dividend Earnings2 $2,831.92 |
Minimum Balance $100,000 |
Tier $100,000-$250,000 |
APY1 4.40% |
Dividend Earnings2 $11,605.35 |
Minimum Balance $250,000.01 |
Tier $250,000.01+ |
APY1 4.45% |
Dividend Earnings2 $29,361.08 |
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. |
|||
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 3.05% |
Dividend Earnings2 $2,392.24 |
Minimum Balance $100,000 |
Tier $100,000-$250,000 |
APY1 3.15% |
Dividend Earnings2 $9,897.31 |
Minimum Balance $250,000.01 |
Tier $250,000.01+ |
APY1 3.20% |
Dividend Earnings2 $25,154.61 |
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. |
|||
Minimum Balance $1,000 |
Tier $1,000-$9,999 |
APY1 3.15% |
Dividend Earnings2 $134.09 |
Minimum Balance $10,000 |
Tier $10,000-$24,999 |
APY1 3.25% |
Dividend Earnings2 $1,386.28 |
Minimum Balance $25,000 |
Tier $25,000-$99,999 |
APY1 3.30% |
Dividend Earnings2 $3,522.54 |
Minimum Balance $100,000 |
Tier $100,000-$250,000 |
APY1 3.40% |
Dividend Earnings2 $14,546.16 |
Minimum Balance $250,000.01 |
Tier $250,000.01+ |
APY1 3.45% |
Dividend Earnings2 $36,937.07 |
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. |
|||
Minimum Balance $1,000 |
Tier $1,000-$9,999 |
APY1 3.50% |
Dividend Earnings2 $190.94 |
Minimum Balance $10,000 |
Tier $10,000-$24,999 |
APY1 3.60% |
Dividend Earnings2 $1,968.95 |
Minimum Balance $25,000 |
Tier $25,000-$99,999 |
APY1 3.65% |
Dividend Earnings2 $4,997.04 |
Minimum Balance $100,000 |
Tier $100,000-$250,000 |
APY1 3.75% |
Dividend Earnings2 $20,587.76 |
Minimum Balance $250,000.01 |
Tier $250,000.01+ |
APY1 3.80% |
Dividend Earnings2 $52,221.66 |
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. |
|||
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 1.80% |
Dividend Earnings2 $915.70 |
Minimum Balance $100,000 |
Tier $100,000-$250,000 |
APY1 1.90% |
Dividend Earnings2 $3,870.00 |
Minimum Balance $250,000.01 |
Tier $250,000.01+ |
APY1 1.95% |
Dividend Earnings2 $9,934.39 |
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. |
|||
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 2.30% |
Dividend Earnings2 $3,043.75 |
Minimum Balance $100,000 |
Tier $100,000-$250,000 |
APY1 2.40% |
Dividend Earnings2 $12,736.17 |
Minimum Balance $250,000.01 |
Tier $250,000.01+ |
APY1 2.45% |
Dividend Earnings2 $32,544.49 |
Open a Share Certificate Today.
Disclosures
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This credit union is federally insured by the National Credit Union Administration.