Credit union · NCUA insured
Patent and Trademark Office CU CD Rates
Patent and Trademark Office CU’s best CD rate is 1.65% APY on a 4-year share certificate (CD). Terms run from 6 months to 4 years. Rates checked October 22, 2026.
How Patent and Trademark Office CU’s CD rates compare
Compared with banks and credit unions near Washington, DC-VA-MD-WV, where Patent and Trademark Office CU has the most branches. $10,000, best rate first.
This credit union’s best
Patent and Trademark Office CU
1.65%APY
- Term
- 48 months
- Minimum
- $500
- Earns on $10,000
- $677
Share Certificates
Top rate
Tower Federal Credit Union
5.20%APY
- Term
- 24 months
- Minimum
- $500
- Earns on $10,000
- $1,067
2nd-highest rate
Apple FCU
5.00%APY
- Term
- 70 months
- Minimum
- $500
- Earns on $10,000
- $3,292
Patent and Trademark Office CU CD score
62
CD score
Higher than 6% of U.S. banks and credit unions
- 3–8 months3–8 mo1.25%
- 9–15 months9–15 mo1.30%
- 16–30 months16–30 mo1.45%
- 31–60 months31–60 mo1.65%
- QualifiedQualified1.65%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Patent and Trademark Office CU ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Share Certificates
Up to 1.65%APY · 6 terms
Certificates require a deposit of $500.00 or more. Early withdrawal penalty of $100.00 or 3 months dividends, whichever is greater. Dividends are compounded and paid quarterly; funds must remain in account until end of quarter to earn dividends. Rates subject to change without notice.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 1.25% | $62 |
| 12 months | 1.30% | $130 |
| 18 months | 1.35% | $203 |
| 24 months | 1.45% | $292 |
| 36 months | 1.55% | $472 |
| 48 months | 1.65% | $677 |
Sources (1)
- ptofcu.org/accounts/deposit-rates · captured Sep 19, 2026
Special-purpose accounts
IRA Certificates
Up to 1.65%APY · 6 terms
IRA Certificates require a deposit of $500.00 or more. Early withdrawal penalty of $100.00 or 3 months dividends, whichever is greater. Dividends are compounded and paid quarterly; funds must remain in account until end of quarter to earn dividends. Rates subject to change without notice.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 1.25% | $62 |
| 12 months | 1.30% | $130 |
| 18 months | 1.35% | $203 |
| 24 months | 1.45% | $292 |
| 36 months | 1.55% | $472 |
| 48 months | 1.65% | $677 |
Sources (1)
- ptofcu.org/accounts/deposit-rates · captured Sep 19, 2026
Who can join Patent and Trademark Office CU
This may be incomplete or out of date, so check with the credit union before you apply.
Military, government and schools
- Employees of the Patent & Trademark Office are eligible for membership.
- Employees of the National Science Foundation are eligible for membership.
- Persons retired from the Patent & Trademark Office and the National Science Foundation are eligible for membership.
- All contractors for the Patent & Trademark Office and the National Science Foundation are eligible for membership.
Family and household
- Family members of current members related by blood or marriage are eligible for membership.
- Family members of eligible non-members are eligible for membership.
1 more way to join
Other ways
- Organizations of primary share accountholders are eligible for membership.
Cost to join
- A deposit of $25.00 to the primary share account is required upon opening membership.
Membership information collected October 4, 2026.