Dedicated to Deposits: Deals, Data, and Discussion
Patriot Credit Union1.50%$100k-60 Month IRA (Traditional,CESA,Roth)
Patriot Credit Union1.50%$100k-60 Month CD
Accounts mentioned in this post. Rates as of August 27, 2014

Higher 5-Year CD and IRA CD Rates at Patriot FCU in Parts of PA and MD


Patriot Credit Union

As I mentioned yesterday, there has been a small wave of institutions raising their long-term CD rates over the last month after the large rise in Treasury yields. Here’s another one to add to the list. Patriot Federal Credit Union increased its Jumbo 5-year CD yield from 1.80% to 2.00% in August. Minimum deposit is $100,000. The yield for smaller deposits is 1.75%. IRA CDs are also available with the same rates. These rates are listed in the credit union’s deposit rates page as of 8/7/2013. The early withdrawal penalty is 365 days’ dividends. The early withdrawal penalty and other CD details are listed in the credit union’s Truth in Savings for Share Certificates document. The link to this document is located at the top of the credit union’s deposit rates page.

Credit union membership is open to anyone who lives, attends school, works or worships in Franklin or Fulton County, Pennsylvania, Washington County, Maryland, or the Borough of Shippensburg, Pennsylvania. Please refer to the credit union’s Join page for more details.

Patriot Federal Credit Union branches are located in the PA cities of Chambersburg and Waynesboro, and in the MD city of Hagerstown.

The credit union has an overall health score at of 5 stars (out of 5) with a Texas ratio of 4.11% (excellent) based on March 2013 data. Please refer to our financial overview of Patriot Federal Credit Union for more details. The credit union is federally insured by the NCUA (Charter # 16574).

How This CD Rate Compares

The highest 5-year CD rate that’s nationally available is 2.06% APY at EverBank as of 8/7/2013.

To search for nationwide CD rates and CD rates in your state, please refer to the best CD rates section of

  Tags: Patriot Credit Union, CD rates, IRA rates, Pennsylvania, Maryland

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Comment #1 by Anonymous posted on
M&T Bank 2.2% 5 year CD  182 days of interest penalty

Comment #2 by CapitalClimate (anonymous) posted on
Where is that M&T 5-year rate?  The rate in MD is 2.07%.

Comment #3 by Anonymous posted on
Don't bother with Inova Federal Credit Union, Elkhart Indiana. I assumed my application was accepted, for the $1640 initial deposit showed up withdrawn from the bank I drew it from. Nope. One week (okay, only 6 days) of repeated calling and getting the reply "Someone will contact you (June Miller, Larry, Tiffany Freeman, Jeremiah Williams)" with NOONE ever returning my call, and then to be told on day 6 that my application has been denied. "By whom?" "I can't tell you that, Ma'am. Have a nice day." Customer service??