Bank · FDIC insured
Patriot Bank CD Rates
Patriot Bank’s best CD rate is 3.00% APY on a 3-month CD. Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How Patriot Bank’s CD rates compare
Compared with banks and credit unions near Bridgeport, CT, where Patriot Bank has the most branches. $10,000, best rate first.
This bank’s best
Patriot Bank
3.00%APY
- Term
- 3 months
- Minimum
- $500
- Earns on $10,000
- $74
Certificate of Deposit
Top rate
The First Bank of Greenwich
4.60%APY
- Term
- 13 months
- Minimum
- $1,000
- Earns on $10,000
- $499
2nd-highest rate
Nutmeg State Financial Credit Union
4.60%APY
- Term
- 14 months
- Minimum
- $1,000
- Earns on $10,000
- $539
Patriot Bank CD score
65
CD score
Higher than 14% of U.S. banks and credit unions
- 3–8 months3–8 mo3.00%
- 9–15 months9–15 mo3.00%
- 16–30 months16–30 mo2.50%
- 31–60 months31–60 mo2.25%
- QualifiedQualified3.00%
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 Patriot Bank ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Certificate of Deposit
Up to 3.00%APY · 11 terms
$500 minimum opening deposit unless otherwise noted. Early withdrawal penalties may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsPromotional rate. Subject to change at any time. Early withdrawal penalties may apply | 3.00% | $74 |
| 5 monthsEarly withdrawal penalties may apply | 3.00% | $124 |
| 6 monthsEarly withdrawal penalties may apply | 3.00% | $149 |
| 9 monthsEarly withdrawal penalties may apply | 3.00% | $224 |
| 12 monthsPromotional rate. Subject to change at any time. Early withdrawal penalties may apply | 3.00% | $300 |
| 18 monthsEarly withdrawal penalties may apply | 2.50% | $377 |
| 24 monthsEarly withdrawal penalties may apply | 2.50% | $506 |
| 30 monthsEarly withdrawal penalties may apply | 2.25% | $572 |
| 36 monthsEarly withdrawal penalties may apply | 2.25% | $690 |
| 48 monthsEarly withdrawal penalties may apply | 2.25% | $931 |
| 60 monthsEarly withdrawal penalties may apply | 2.25% | $1,177 |
Sources (2)
All captured Oct 4, 2026
Special-purpose accounts
Founders CD
3.50%APY
Requires an aggregate average balance of $1 million or more at an average APY of 2.50% or less across all deposit balances at Patriot Bank, N.A. Minimum opening deposit of $500. Rate is calculated by using the Fed Funds Rate minus 0.25%. Includes IRAs. Available to Personal Customers only.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceRequires an aggregate average balance of $1,000,000 or more at an average APY of 2.50% or less across all deposit balances at Patriot Bank, N.A. Calculated as Fed Funds Rate minus 0.25%.Any balance | 3.50% | $350 | Requires an aggregate average balance of $1,000,000 or more at an average APY of 2.50% or less across all deposit balances at Patriot Bank, N.A. Calculated as Fed Funds Rate minus 0.25%. |
Sources (2)
All captured Oct 4, 2026
Star Relationship CD
Up to 3.50%APY · 11 terms
Star Banking Relationship is required with a Star Banking checking account with an aggregate minimum balance of at least $15,000 between the Star Banking checking and Star Savings. Includes bonus rate of 0.25% (25 bps) over posted non-promotional CD rates. Bonus rate does not apply to promotional or special rate CDs. No new money requirement. $500 minimum opening deposit. Includes IRAs.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsPromotional rate. Subject to change at any time. Star Banking checking relationship with aggregate balance of at least $15,000 required | 3.50% | $86 |
| 5 monthsStar Banking checking relationship with aggregate balance of at least $15,000 required | 3.50% | $144 |
| 6 monthsStar Banking checking relationship with aggregate balance of at least $15,000 required | 3.50% | $173 |
| 9 monthsStar Banking checking relationship with aggregate balance of at least $15,000 required | 3.27% | $244 |
| 12 monthsPromotional rate. Subject to change at any time. Star Banking checking relationship with aggregate balance of at least $15,000 required | 3.27% | $327 |
| 18 monthsStar Banking checking relationship with aggregate balance of at least $15,000 required | 2.76% | $417 |
| 24 monthsStar Banking checking relationship with aggregate balance of at least $15,000 required | 2.76% | $560 |
| 30 monthsStar Banking checking relationship with aggregate balance of at least $15,000 required | 2.50% | $637 |
| 36 monthsStar Banking checking relationship with aggregate balance of at least $15,000 required | 2.50% | $769 |
| 48 monthsStar Banking checking relationship with aggregate balance of at least $15,000 required | 2.50% | $1,038 |
| 60 monthsStar Banking checking relationship with aggregate balance of at least $15,000 required | 2.50% | $1,314 |
Sources (1)
- bankpatriot.com/Access/Tools-Resources/Rates · captured Oct 4, 2026
IRA Certificate of Deposit
Up to 3.00%APY · 11 terms
$500 minimum opening deposit. Includes Traditional and Roth IRA CDs. Tax advantages apply; contributions subject to annual IRS limits. Withdrawals before age 59 1/2 may be subject to penalties/taxes.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsPromotional rate. Subject to change at any time | 3.00% | $74 |
| 5 months | 3.00% | $124 |
| 6 months | 3.00% | $149 |
| 9 months | 3.00% | $224 |
| 12 monthsPromotional rate. Subject to change at any time | 3.00% | $300 |
| 18 months | 2.50% | $377 |
| 24 months | 2.50% | $506 |
| 30 months | 2.25% | $572 |
| 36 months | 2.25% | $690 |
| 48 months | 2.25% | $931 |
| 60 months | 2.25% | $1,177 |
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.