Credit union · NCUA insured
Patent and Trademark Office CU Savings Rates
Patent and Trademark Office CU’s best savings rate is 0.03% APY on $10,000, with its Regular Share Accounts. Rates checked October 22, 2026.
How Patent and Trademark Office CU’s savings 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
0.03%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $3
Regular Share Accounts
Top rate
Woori America Bank
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $1,000
- Earns on $10,000 a year
- $500
2nd-highest rate
HSBC USA
4.40%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $440
Patent and Trademark Office CU savings score
60
Savings score
Higher than 1% of U.S. banks and credit unions
- $1,000 balance$1,0000.04%
- $10,000 balance$10,0000.03%
- $100,000 balance$100,0000.03%
- QualifiedQualified0.03%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Money Market Account
0.04%APY
A maximum of five withdrawals per month is allowed; a fee of $5.00 is charged for each additional withdrawal. Dividends are compounded and paid quarterly; funds must remain in account until end of quarter to earn dividends.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $500 – $2,499Maximum of 5 withdrawals per month allowed; fee of $5.00 for each additional withdrawal. Anticipated dividends compounded and paid quarterly based on credit union earnings, calculated daily on multiple minimum balances; funds must remain until end of quarter to earn dividends.$500 – $2,499 | 0.04% | — | Maximum of 5 withdrawals per month allowed; fee of $5.00 for each additional withdrawal. Anticipated dividends compounded and paid quarterly based on credit union earnings, calculated daily on multiple minimum balances; funds must remain until end of quarter to earn dividends. |
Regular Share Accounts
0.03%APY
All share account's anticipated dividends are paid based on Credit Union earnings and calculated daily on multiple minimum balances. Compounded and paid quarterly; funds must remain in account until end of quarter to earn dividends. Rates subject to change without notice.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $2,499 | 0.03% | — |
| $2,500 and up | 0.03% | $3 |
Special-purpose accounts
Holiday Accounts
0.03%APY
Funds are transferred to regular share savings account October 1. Holiday club accounts can be opened anytime of the year. Anticipated dividends compounded and paid quarterly.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $2,499 | 0.03% | — |
| $2,500 and up | 0.03% | $3 |
Sources (2)
All captured Sep 19, 2026
IRA Accounts
0.03%APY
Traditional and ROTH options available. Requires a deposit of $500.00 or more. Early withdrawal penalty of $100.00 or 3 months dividends, whichever is greater. Dividends calculated daily and compounded/paid quarterly.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $50 and up | 0.03% | $3 |
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.