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. |
|||
Minimum Balance $10,000 |
Tier $10,000-$24,999 |
APY1 4.25% |
Dividend Earnings2 $396.56 |
Minimum Balance $25,000 |
Tier $25,000-$99,999 |
APY1 4.25% |
Dividend Earnings2 $991.39 |
Minimum Balance $100,000 |
Tier $100,000-$250,000 |
APY1 4.25% |
Dividend Earnings2 $3,965.56 |
Minimum Balance $250,000.01 |
Tier $250,000.01+ |
APY1 4.25% |
Dividend Earnings2 $9,913.90 |
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 3.65% |
Dividend Earnings2 $95.39 |
Minimum Balance $10,000 |
Tier $10,000-$24,999 |
APY1 3.75% |
Dividend Earnings2 $981.25 |
Minimum Balance $25,000 |
Tier $25,000-$99,999 |
APY1 3.75% |
Dividend Earnings2 $2,453.12 |
Minimum Balance $100,000 |
Tier $100,000-$250,000 |
APY1 3.80% |
Dividend Earnings2 $9,949.38 |
Minimum Balance $250,000.01 |
Tier $250,000.01+ |
APY1 3.85% |
Dividend Earnings2 $25,216.17 |
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 2.40% |
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 |
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 2.50% |
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 |
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 2.90% |
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 |
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 3.65% |
Dividend Earnings2 $95.39 |
Minimum Balance $10,000 |
Tier $10,000-$24,999 |
APY1 3.75% |
Dividend Earnings2 $981.25 |
Minimum Balance $25,000 |
Tier $25,000-$99,999 |
APY1 3.75% |
Dividend Earnings2 $2,453.12 |
Minimum Balance $100,000 |
Tier $100,000-$250,000 |
APY1 3.80% |
Dividend Earnings2 $9,949.38 |
Minimum Balance $250,000.01 |
Tier $250,000.01+ |
APY1 3.85% |
Dividend Earnings2 $25,216.17 |
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 3.00% |
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 |
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 3.65% |
Dividend Earnings2 $156.94 |
Minimum Balance $10,000 |
Tier $10,000-$24,999 |
APY1 3.75% |
Dividend Earnings2 $1,615.63 |
Minimum Balance $25,000 |
Tier $25,000-$99,999 |
APY1 3.75% |
Dividend Earnings2 $4,039.06 |
Minimum Balance $100,000 |
Tier $100,000-$250,000 |
APY1 3.80% |
Dividend Earnings2 $16,388.07 |
Minimum Balance $250,000.01 |
Tier $250,000.01+ |
APY1 3.85% |
Dividend Earnings2 $41,550.84 |
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 3.40% |
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 |
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 1.75% |
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 |
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 2.25% |
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 |
Open a Share Certificate Today.
Disclosures
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This credit union is federally insured by the National Credit Union Administration.