Credit union · NCUA insured
Patriot Federal Credit Union CD Rates
Top CarrotPatriot Federal Credit Union’s best CD rate is 4.60% APY on a 4-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 17, 2026.
How Patriot Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Chambersburg, PA, where Patriot Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Patriot Federal Credit Union
4.50%APY
- Term
- 48 months
- Minimum
- $1,000
- Earns on $10,000
- $1,925
Share Certificates
2nd-highest rate
Woodforest National Bank
4.25%APY
- Term
- 9 months
- Minimum
- $500
- Earns on $10,000
- $317
3rd-highest rate
1st Ed Credit Union
4.20%APY
- Term
- 20 months
- Minimum
- $5,000
- Earns on $10,000
- $710
Patriot Federal Credit Union CD score
93
CD score
Higher than 95% of U.S. banks and credit unions
By term
- 3–8 months3–8 mo3.80%
- 9–15 months9–15 mo4.10%
- 16–30 months16–30 mo4.20%
- 31–60 months31–60 mo4.50%
- QualifiedQualified4.50%
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 Federal Credit Union 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 4.50%APY · 11 terms
Penalty for early withdrawal. Rates tiered based on amount of deposit. Fixed dividend rate, monthly dividends. Insured up to $250,000 by NCUA. Open with as little as $1,000. Available in terms of 3 months to 5 years.
| Term | APY · $1,000 – $9,999 | APY · $10,000 – $24,999 | APY · $25,000 – $99,999 | APY · $100,000 – $250,000 | APY · Over $250,000 | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|---|
| 3 months | 1.50% | 1.60% | 1.60% | — | — | 1.60%1.50% $1k–$10k1.60% $25k–$100k | $40 |
| 6 months | 2.05% | — | — | — | — | —2.05% $1k–$10k | — |
| 8 monthsNot available in IRA | — | 3.80% | 3.80% | 3.80% | 3.80% | 3.80%3.80% $25k–$100k3.80% $100k–$250k3.80% from $250k | $252 |
| 12 monthsPenalty for early withdrawal. Tier $1,000-$9,999. Dividend earnings based on minimum tier balance | 2.15% | — | — | — | — | —2.15% $1k–$10k | — |
| 12 monthsPenalty for early withdrawal. Tier $10,000-$24,999. Dividend earnings based on minimum tier balance | — | 2.25% | — | — | — | 2.25% | $225 |
| 12 monthsPenalty for early withdrawal. Tier $100,000-$250,000. Dividend earnings based on minimum tier balance | — | — | — | 2.30% | — | —2.30% $100k–$250k | — |
| 12 monthsPenalty for early withdrawal. Tier $25,000-$99,999. Dividend earnings based on minimum tier balance | — | — | 2.25% | — | — | —2.25% $25k–$100k | — |
| 12 monthsPenalty for early withdrawal. Tier $250,000.01+. Dividend earnings based on minimum tier balance | — | — | — | — | 2.35% | —2.35% from $250k | — |
| 15 monthsPenalty for early withdrawal. Tier $10,000-$24,999. Dividend earnings based on minimum tier balance | — | 4.10% | — | — | — | 4.10% | $515 |
| 15 monthsPenalty for early withdrawal. Tier $100,000-$250,000. Dividend earnings based on minimum tier balance | — | — | — | 4.10% | — | —4.10% $100k–$250k | — |
| 15 monthsPenalty for early withdrawal. Tier $25,000-$99,999. Dividend earnings based on minimum tier balance | — | — | 4.10% | — | — | —4.10% $25k–$100k | — |
| 15 monthsPenalty for early withdrawal. Tier $250,000.01 +. Dividend earnings based on minimum tier balance | — | — | — | — | 4.10% | —4.10% from $250k | — |
| 18 monthsPenalty for early withdrawal. Tier $1,000-$9,999. Dividend earnings based on minimum tier balance | 3.40% | — | — | — | — | —3.40% $1k–$10k | — |
| 18 monthsPenalty for early withdrawal. Tier $10,000-$24,999. Dividend earnings based on minimum tier balance | — | 3.50% | — | — | — | 3.50% | $530 |
| 18 monthsPenalty for early withdrawal. Tier $100,000-$250,000. Dividend earnings based on minimum tier balance | — | — | — | 3.55% | — | —3.55% $100k–$250k | — |
| 18 monthsPenalty for early withdrawal. Tier $25,000-$99,999. Dividend earnings based on minimum tier balance | — | — | 3.50% | — | — | —3.50% $25k–$100k | — |
| 18 monthsPenalty for early withdrawal. Tier $250,000.01 +. Dividend earnings based on minimum tier balance | — | — | — | — | 3.60% | —3.60% from $250k | — |
| 24 monthsPenalty for early withdrawal. Tier $1,000-$9,999. Dividend earnings based on minimum tier balance | 4.10% | — | — | — | — | —4.10% $1k–$10k | — |
| 24 monthsPenalty for early withdrawal. Tier $10,000-$24,999. Dividend earnings based on minimum tier balance | — | 4.20% | — | — | — | 4.20% | $858 |
| 24 monthsPenalty for early withdrawal. Tier $100,000-$250,000. Dividend earnings based on minimum tier balance | — | — | — | 4.25% | — | —4.25% $100k–$250k | — |
| 24 monthsPenalty for early withdrawal. Tier $25,000-$99,999. Dividend earnings based on minimum tier balance | — | — | 4.20% | — | — | —4.20% $25k–$100k | — |
| 24 monthsPenalty for early withdrawal. Tier $250,000.01 +. Dividend earnings based on minimum tier balance | — | — | — | — | 4.30% | —4.30% from $250k | — |
| 30 monthsPenalty for early withdrawal. Tier $1,000-$9,999. Dividend earnings based on minimum tier balance | 3.95% | — | — | — | — | —3.95% $1k–$10k | — |
| 30 monthsPenalty for early withdrawal. Tier $10,000-$24,999. Dividend earnings based on minimum tier balance | — | 4.05% | — | — | — | 4.05% | $1,043 |
| 30 monthsPenalty for early withdrawal. Tier $100,000-$250,000. Dividend earnings based on minimum tier balance | — | — | — | 4.10% | — | —4.10% $100k–$250k | — |
| 30 monthsPenalty for early withdrawal. Tier $25,000-$99,999. Dividend earnings based on minimum tier balance | — | — | 4.05% | — | — | —4.05% $25k–$100k | — |
| 30 monthsPenalty for early withdrawal. Tier $250,000.01 +. Dividend earnings based on minimum tier balance | — | — | — | — | 4.15% | —4.15% from $250k | — |
| 36 monthsPenalty for early withdrawal. Tier $1,000-$9,999. Dividend earnings based on minimum tier balance | 4.30% | — | — | — | — | —4.30% $1k–$10k | — |
| 36 monthsPenalty for early withdrawal. Tier $10,000-$24,999. Dividend earnings based on minimum tier balance | — | 4.40% | — | — | — | 4.40% | $1,379 |
| 36 monthsPenalty for early withdrawal. Tier $100,000-$250,000. Dividend earnings based on minimum tier balance | — | — | — | 4.45% | — | —4.45% $100k–$250k | — |
| 36 monthsPenalty for early withdrawal. Tier $25,000-$99,999. Dividend earnings based on minimum tier balance | — | — | 4.40% | — | — | —4.40% $25k–$100k | — |
| 36 monthsPenalty for early withdrawal. Tier $250,000.01 +. Dividend earnings based on minimum tier balance | — | — | — | — | 4.50% | —4.50% from $250k | — |
| 48 monthsPenalty for early withdrawal. Tier $1,000-$9,999. Dividend earnings based on minimum tier balance | 4.40% | — | — | — | — | —4.40% $1k–$10k | — |
| 48 monthsPenalty for early withdrawal. Tier $10,000-$24,999. Dividend earnings based on minimum tier balance | — | 4.50% | — | — | — | 4.50% | $1,925 |
| 48 monthsPenalty for early withdrawal. Tier $100,000-$250,000. Dividend earnings based on minimum tier balance | — | — | — | 4.55% | — | —4.55% $100k–$250k | — |
| 48 monthsPenalty for early withdrawal. Tier $25,000-$99,999. Dividend earnings based on minimum tier balance | — | — | 4.50% | — | — | —4.50% $25k–$100k | — |
| 48 monthsPenalty for early withdrawal. Tier $250,000.01 +. Dividend earnings based on minimum tier balance | — | — | — | — | 4.60% | —4.60% from $250k | — |
| 60 monthsPenalty for early withdrawal. Tier $1,000-$9,999. Dividend earnings based on minimum tier balance | 4.40% | — | — | — | — | —4.40% $1k–$10k | — |
| 60 monthsPenalty for early withdrawal. Tier $10,000-$24,999. Dividend earnings based on minimum tier balance | — | 4.50% | — | — | — | 4.50% | $2,462 |
| 60 monthsPenalty for early withdrawal. Tier $100,000-$250,000. Dividend earnings based on minimum tier balance | — | — | — | 4.55% | — | —4.55% $100k–$250k | — |
| 60 monthsPenalty for early withdrawal. Tier $25,000-$99,999. Dividend earnings based on minimum tier balance | — | — | 4.50% | — | — | —4.50% $25k–$100k | — |
| 60 monthsPenalty for early withdrawal. Tier $250,000.01 +. Dividend earnings based on minimum tier balance | — | — | — | — | 4.60% | —4.60% from $250k | — |
Sources (2)
All captured Oct 16, 2026
8 Month Share Certificate
3.80%APY · 1 term
Penalty for early withdrawal. Dividend earnings based on minimum tier balance. Not available in IRA.
| Term | APY · $10,000 – $24,999 | APY · $25,000 – $99,999 | APY · $100,000 – $250,000 | APY · Over $250,000 | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|
| 8 monthsTier $10,000-$24,999 | 3.80% | — | — | — | 3.80% | $252 |
| 8 monthsTier $100,000-$250,000 | — | — | 3.80% | — | —3.80% $100k–$250k | — |
| 8 monthsTier $25,000-$99,999 | — | 3.80% | — | — | —3.80% $25k–$100k | — |
| 8 monthsTier $250,000.01+ | — | — | — | 3.80% | —3.80% from $250k | — |
Sources (1)
- patriotfcu.org/rates · captured Oct 16, 2026
9 Month No Penalty Certificate
2.20%APY · 1 term
Penalty for early withdrawal. Dividend earnings based on minimum tier balance.
| Term | APY · $10,000 – $24,999 | APY · $25,000 – $99,999 | APY · $100,000 – $250,000 | APY · Over $250,000 | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|
| 9 monthsTier $10,000-$24,999 | 2.20% | — | — | — | 2.20% | $165 |
| 9 monthsTier $100,000-$250,000 | — | — | 2.25% | — | —2.25% $100k–$250k | — |
| 9 monthsTier $25,000-$99,999 | — | 2.20% | — | — | —2.20% $25k–$100k | — |
| 9 monthsTier $250,000.01+ | — | — | — | 2.30% | —2.30% from $250k | — |
Sources (1)
- patriotfcu.org/rates · captured Oct 16, 2026
Special-purpose accounts
IRA Share Certificates
Up to 4.50%APY · 10 terms
Traditional IRA or Roth IRA certificate. Penalty for early withdrawal. Rates tiered based on amount of deposit. Fixed dividend rate, monthly dividends. Insured up to $250,000 by NCUA. Open with as little as $1,000. Available in terms of 3 months to 5 years. Consult tax advisor about particular situation.
| Term | APY · $1,000 – $9,999 | APY · $10,000 – $24,999 | APY · $25,000 – $99,999 | APY · $100,000 – $250,000 | APY · Over $250,000 | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|---|
| 3 months | 1.50% | 1.60% | 1.60% | — | — | 1.60%1.50% $1k–$10k1.60% $25k–$100k | $40 |
| 6 months | 2.05% | — | — | — | — | —2.05% $1k–$10k | — |
| 12 monthsPenalty for early withdrawal. Tier $1,000-$9,999. Dividend earnings based on minimum tier balance. Traditional IRA or Roth IRA | 2.15% | — | — | — | — | —2.15% $1k–$10k | — |
| 12 monthsPenalty for early withdrawal. Tier $10,000-$24,999. Dividend earnings based on minimum tier balance. Traditional IRA or Roth IRA | — | 2.25% | — | — | — | 2.25% | $225 |
| 12 monthsPenalty for early withdrawal. Tier $100,000-$250,000. Dividend earnings based on minimum tier balance. Traditional IRA or Roth IRA | — | — | — | 2.30% | — | —2.30% $100k–$250k | — |
| 12 monthsPenalty for early withdrawal. Tier $25,000-$99,999. Dividend earnings based on minimum tier balance. Traditional IRA or Roth IRA | — | — | 2.25% | — | — | —2.25% $25k–$100k | — |
| 12 monthsPenalty for early withdrawal. Tier $250,000.01+. Dividend earnings based on minimum tier balance. Traditional IRA or Roth IRA | — | — | — | — | 2.35% | —2.35% from $250k | — |
| 15 monthsPenalty for early withdrawal. Tier $10,000-$24,999. Dividend earnings based on minimum tier balance. Traditional IRA or Roth IRA | — | 4.10% | — | — | — | 4.10% | $515 |
| 15 monthsPenalty for early withdrawal. Tier $100,000-$250,000. Dividend earnings based on minimum tier balance. Traditional IRA or Roth IRA | — | — | — | 4.10% | — | —4.10% $100k–$250k | — |
| 15 monthsPenalty for early withdrawal. Tier $25,000-$99,999. Dividend earnings based on minimum tier balance. Traditional IRA or Roth IRA | — | — | 4.10% | — | — | —4.10% $25k–$100k | — |
| 15 monthsPenalty for early withdrawal. Tier $250,000.01 +. Dividend earnings based on minimum tier balance. Traditional IRA or Roth IRA | — | — | — | — | 4.10% | —4.10% from $250k | — |
| 18 monthsPenalty for early withdrawal. Tier $1,000-$9,999. Dividend earnings based on minimum tier balance. Traditional IRA or Roth IRA | 3.40% | — | — | — | — | —3.40% $1k–$10k | — |
| 18 monthsPenalty for early withdrawal. Tier $10,000-$24,999. Dividend earnings based on minimum tier balance. Traditional IRA or Roth IRA | — | 3.50% | — | — | — | 3.50% | $530 |
| 18 monthsPenalty for early withdrawal. Tier $100,000-$250,000. Dividend earnings based on minimum tier balance. Traditional IRA or Roth IRA | — | — | — | 3.55% | — | —3.55% $100k–$250k | — |
| 18 monthsPenalty for early withdrawal. Tier $25,000-$99,999. Dividend earnings based on minimum tier balance. Traditional IRA or Roth IRA | — | — | 3.50% | — | — | —3.50% $25k–$100k | — |
| 18 monthsPenalty for early withdrawal. Tier $250,000.01 +. Dividend earnings based on minimum tier balance. Traditional IRA or Roth IRA | — | — | — | — | 3.60% | —3.60% from $250k | — |
| 24 monthsPenalty for early withdrawal. Tier $1,000-$9,999. Dividend earnings based on minimum tier balance. Traditional IRA or Roth IRA | 4.10% | — | — | — | — | —4.10% $1k–$10k | — |
| 24 monthsPenalty for early withdrawal. Tier $10,000-$24,999. Dividend earnings based on minimum tier balance. Traditional IRA or Roth IRA | — | 4.20% | — | — | — | 4.20% | $858 |
| 24 monthsPenalty for early withdrawal. Tier $100,000-$250,000. Dividend earnings based on minimum tier balance. Traditional IRA or Roth IRA | — | — | — | 4.25% | — | —4.25% $100k–$250k | — |
| 24 monthsPenalty for early withdrawal. Tier $25,000-$99,999. Dividend earnings based on minimum tier balance. Traditional IRA or Roth IRA | — | — | 4.20% | — | — | —4.20% $25k–$100k | — |
| 24 monthsPenalty for early withdrawal. Tier $250,000.01 +. Dividend earnings based on minimum tier balance. Traditional IRA or Roth IRA | — | — | — | — | 4.30% | —4.30% from $250k | — |
| 30 monthsPenalty for early withdrawal. Tier $1,000-$9,999. Dividend earnings based on minimum tier balance. Traditional IRA or Roth IRA | 3.95% | — | — | — | — | —3.95% $1k–$10k | — |
| 30 monthsPenalty for early withdrawal. Tier $10,000-$24,999. Dividend earnings based on minimum tier balance. Traditional IRA or Roth IRA | — | 4.05% | — | — | — | 4.05% | $1,043 |
| 30 monthsPenalty for early withdrawal. Tier $100,000-$250,000. Dividend earnings based on minimum tier balance. Traditional IRA or Roth IRA | — | — | — | 4.10% | — | —4.10% $100k–$250k | — |
| 30 monthsPenalty for early withdrawal. Tier $25,000-$99,999. Dividend earnings based on minimum tier balance. Traditional IRA or Roth IRA | — | — | 4.05% | — | — | —4.05% $25k–$100k | — |
| 30 monthsPenalty for early withdrawal. Tier $250,000.01 +. Dividend earnings based on minimum tier balance. Traditional IRA or Roth IRA | — | — | — | — | 4.15% | —4.15% from $250k | — |
| 36 monthsPenalty for early withdrawal. Tier $1,000-$9,999. Dividend earnings based on minimum tier balance. Traditional IRA or Roth IRA | 4.30% | — | — | — | — | —4.30% $1k–$10k | — |
| 36 monthsPenalty for early withdrawal. Tier $10,000-$24,999. Dividend earnings based on minimum tier balance. Traditional IRA or Roth IRA | — | 4.40% | — | — | — | 4.40% | $1,379 |
| 36 monthsPenalty for early withdrawal. Tier $100,000-$250,000. Dividend earnings based on minimum tier balance. Traditional IRA or Roth IRA | — | — | — | 4.45% | — | —4.45% $100k–$250k | — |
| 36 monthsPenalty for early withdrawal. Tier $25,000-$99,999. Dividend earnings based on minimum tier balance. Traditional IRA or Roth IRA | — | — | 4.40% | — | — | —4.40% $25k–$100k | — |
| 36 monthsPenalty for early withdrawal. Tier $250,000.01 +. Dividend earnings based on minimum tier balance. Traditional IRA or Roth IRA | — | — | — | — | 4.50% | —4.50% from $250k | — |
| 48 monthsPenalty for early withdrawal. Tier $1,000-$9,999. Dividend earnings based on minimum tier balance. Traditional IRA or Roth IRA | 4.40% | — | — | — | — | —4.40% $1k–$10k | — |
| 48 monthsPenalty for early withdrawal. Tier $10,000-$24,999. Dividend earnings based on minimum tier balance. Traditional IRA or Roth IRA | — | 4.50% | — | — | — | 4.50% | $1,925 |
| 48 monthsPenalty for early withdrawal. Tier $100,000-$250,000. Dividend earnings based on minimum tier balance. Traditional IRA or Roth IRA | — | — | — | 4.55% | — | —4.55% $100k–$250k | — |
| 48 monthsPenalty for early withdrawal. Tier $25,000-$99,999. Dividend earnings based on minimum tier balance. Traditional IRA or Roth IRA | — | — | 4.50% | — | — | —4.50% $25k–$100k | — |
| 48 monthsPenalty for early withdrawal. Tier $250,000.01 +. Dividend earnings based on minimum tier balance. Traditional IRA or Roth IRA | — | — | — | — | 4.60% | —4.60% from $250k | — |
| 60 monthsPenalty for early withdrawal. Tier $1,000-$9,999. Dividend earnings based on minimum tier balance. Traditional IRA or Roth IRA | 4.40% | — | — | — | — | —4.40% $1k–$10k | — |
| 60 monthsPenalty for early withdrawal. Tier $10,000-$24,999. Dividend earnings based on minimum tier balance. Traditional IRA or Roth IRA | — | 4.50% | — | — | — | 4.50% | $2,462 |
| 60 monthsPenalty for early withdrawal. Tier $100,000-$250,000. Dividend earnings based on minimum tier balance. Traditional IRA or Roth IRA | — | — | — | 4.55% | — | —4.55% $100k–$250k | — |
| 60 monthsPenalty for early withdrawal. Tier $25,000-$99,999. Dividend earnings based on minimum tier balance. Traditional IRA or Roth IRA | — | — | 4.50% | — | — | —4.50% $25k–$100k | — |
| 60 monthsPenalty for early withdrawal. Tier $250,000.01 +. Dividend earnings based on minimum tier balance. Traditional IRA or Roth IRA | — | — | — | — | 4.60% | —4.60% from $250k | — |
Sources (3)
- patriotfcu.org/personal/certificate-accounts
- patriotfcu.org/personal/indivi…retirement-accounts-iras
- patriotfcu.org/rates
All captured Oct 16, 2026
Continuous Saver Certificates
Up to 2.25%APY · 2 terms
Great option for children and those 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. Tiered rates based on amount of deposit. Fixed dividend rate. No monthly account fee. Low-risk investment, insured up to $250,000 by NCUA. Open for children of any age up to 18. Penalty for early withdrawal.
| Term | APY · Up to $999 | APY · Up to $9,999 | APY · $1,000 – $9,999 | APY · $10,000 – $24,999 | APY · $25,000 – $99,999 | APY · $100,000 – $250,000 | APY · Over $250,000 | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|---|---|---|
| 24 monthsPenalty for early withdrawal. Tier $1,000-$9,999. Dividend earnings based on minimum tier balance | — | — | 1.70% | — | — | — | — | —1.70% $1k–$10k | — |
| 24 monthsPenalty for early withdrawal. Tier $10,000-$24,999. Dividend earnings based on minimum tier balance | — | — | — | 1.75% | — | — | — | 1.75% | $353 |
| 24 monthsPenalty for early withdrawal. Tier $100,000-$250,000. Dividend earnings based on minimum tier balance | — | — | — | — | — | 1.80% | — | —1.80% $100k–$250k | — |
| 24 monthsPenalty for early withdrawal. Tier $25-$999. Dividend earnings based on minimum tier balance | 1.65% | — | — | — | — | — | — | —1.65% $25–$999 | — |
| 24 monthsPenalty for early withdrawal. Tier $25,000-$99,999. Dividend earnings based on minimum tier balance | — | — | — | — | 1.75% | — | — | —1.75% $25k–$100k | — |
| 24 monthsPenalty for early withdrawal. Tier $250,000.01 +. Dividend earnings based on minimum tier balance | — | — | — | — | — | — | 1.85% | —1.85% from $250k | — |
| 60 monthsPenalty for early withdrawal. Tier $1,000-$9,999. Dividend earnings based on minimum tier balance | — | — | 2.20% | — | — | — | — | —2.20% $1k–$10k | — |
| 60 monthsPenalty for early withdrawal. Tier $10,000-$24,999. Dividend earnings based on minimum tier balance | — | — | — | 2.25% | — | — | — | 2.25% | $1,177 |
| 60 monthsPenalty for early withdrawal. Tier $100,000-$250,000. Dividend earnings based on minimum tier balance | — | — | — | — | — | 2.30% | — | —2.30% $100k–$250k | — |
| 60 monthsPenalty for early withdrawal. Tier $25-$999. Dividend earnings based on minimum tier balance | — | 2.15% | — | — | — | — | — | —2.15% $25–$10k | — |
| 60 monthsPenalty for early withdrawal. Tier $25,000-$99,999. Dividend earnings based on minimum tier balance | — | — | — | — | 2.25% | — | — | —2.25% $25k–$100k | — |
| 60 monthsPenalty for early withdrawal. Tier $250,000.01 +. Dividend earnings based on minimum tier balance | — | — | — | — | — | — | 2.35% | —2.35% from $250k | — |
Sources (2)
All captured Oct 16, 2026
Continuous Saver IRA Certificates
Up to 2.25%APY · 2 terms
Continuous Saver Certificate for Traditional IRA or Roth IRA. Great option for those 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. Tiered rates based on amount of deposit. Fixed dividend rate. No monthly account fee. Insured up to $250,000 by NCUA. Penalty for early withdrawal. Consult tax advisor about particular situation.
| Term | APY · Up to $999 | APY · Up to $9,999 | APY · $1,000 – $9,999 | APY · $10,000 – $24,999 | APY · $25,000 – $99,999 | APY · $100,000 – $250,000 | APY · Over $250,000 | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|---|---|---|
| 24 monthsPenalty for early withdrawal. Tier $1,000-$9,999. Dividend earnings based on minimum tier balance. Traditional IRA or Roth IRA | — | — | 1.70% | — | — | — | — | —1.70% $1k–$10k | — |
| 24 monthsPenalty for early withdrawal. Tier $10,000-$24,999. Dividend earnings based on minimum tier balance. Traditional IRA or Roth IRA | — | — | — | 1.75% | — | — | — | 1.75% | $353 |
| 24 monthsPenalty for early withdrawal. Tier $100,000-$250,000. Dividend earnings based on minimum tier balance. Traditional IRA or Roth IRA | — | — | — | — | — | 1.80% | — | —1.80% $100k–$250k | — |
| 24 monthsPenalty for early withdrawal. Tier $25-$999. Dividend earnings based on minimum tier balance. Traditional IRA or Roth IRA | 1.65% | — | — | — | — | — | — | —1.65% $25–$999 | — |
| 24 monthsPenalty for early withdrawal. Tier $25,000-$99,999. Dividend earnings based on minimum tier balance. Traditional IRA or Roth IRA | — | — | — | — | 1.75% | — | — | —1.75% $25k–$100k | — |
| 24 monthsPenalty for early withdrawal. Tier $250,000.01 +. Dividend earnings based on minimum tier balance. Traditional IRA or Roth IRA | — | — | — | — | — | — | 1.85% | —1.85% from $250k | — |
| 60 monthsPenalty for early withdrawal. Tier $1,000-$9,999. Dividend earnings based on minimum tier balance. Traditional IRA or Roth IRA | — | — | 2.20% | — | — | — | — | —2.20% $1k–$10k | — |
| 60 monthsPenalty for early withdrawal. Tier $10,000-$24,999. Dividend earnings based on minimum tier balance. Traditional IRA or Roth IRA | — | — | — | 2.25% | — | — | — | 2.25% | $1,177 |
| 60 monthsPenalty for early withdrawal. Tier $100,000-$250,000. Dividend earnings based on minimum tier balance. Traditional IRA or Roth IRA | — | — | — | — | — | 2.30% | — | —2.30% $100k–$250k | — |
| 60 monthsPenalty for early withdrawal. Tier $25-$999. Dividend earnings based on minimum tier balance. Traditional IRA or Roth IRA | — | 2.15% | — | — | — | — | — | —2.15% $25–$10k | — |
| 60 monthsPenalty for early withdrawal. Tier $25,000-$99,999. Dividend earnings based on minimum tier balance. Traditional IRA or Roth IRA | — | — | — | — | 2.25% | — | — | —2.25% $25k–$100k | — |
| 60 monthsPenalty for early withdrawal. Tier $250,000.01 +. Dividend earnings based on minimum tier balance. Traditional IRA or Roth IRA | — | — | — | — | — | — | 2.35% | —2.35% from $250k | — |
Sources (3)
- patriotfcu.org/personal/youth-accounts
- patriotfcu.org/personal/certificate-accounts
- patriotfcu.org/personal/indivi…retirement-accounts-iras
All captured Oct 16, 2026
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