Patriot Bank (CT)

TODAY'S FEATURED RATES

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Overview / Commentary

bankpatriot.com

888-728-7468

900 Bedford Street
Stamford, CT 06901

Patriot Bank (CT) is headquartered in STAMFORD and is the 17^th largest bank in the state of Connecticut. It is also the 1,088^th largest bank in the nation. It was established in 1994 and as of March of 2025, it had grown to 125 employees at 8 locations. Patriot Bank (CT)'s money market rates are 7X the national average, but it has a C health rating.

Reviews (1)

Write a Review

Their APR Is Lower Than What You Might Think.

Posted by: BankingPatient | Apr 6, 2025

The way they calculate their APY and their APR is non standard. They advertise their APY, but then pay an APR that is lower than what other banks would pay if they had the same APY. Most, if not all banks, do not use this kind of calculation. PATRIOT is doing false advertising in my opinion, and I am sticking to my opinion. It may be within the limits of the law, but it is non-standard regardless, by every others bank's adopted standards. In the end, you are being misled. Check the APR before you sign up for an account. Is it what you expected it to be? The answer is simply "NO". It is lower. Don't fall for such old cheap tricks. Very annoying and a huge waste of valuable time.

Comment

Health

Data as of Q1 2025

Learn why bank health matters

Additional Factors: Institutions with a small asset base, a short operating history, or negative return on equity can represent an instability risk beyond what their financial ratios indicate. Patriot Bank (CT) has a negative return on equity.

Health Grade Components

Overall
FDIC Certificate #	33928
Year Established	1994
Employees	125
Primary Regulator	OCC

Profit Margin
Return on Assets - YTD	-0.75%
Return on Equity - YTD	-13.03%
Annual Interest Income	$12.5MM

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$956.6MM$1.07B
Loans	Q1 2025vs Q1 2024	$688.3MM$810.7MM
Deposits	Q1 2025vs Q1 2024	$872MM$862.7MM
Equity Capital	Q1 2025vs Q1 2024	$78.4MM$73.1MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$6.7MM$13.8MM
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$21.3MM$19.6MM
Real Estate Owned	Q1 2025vs Q1 2024	$2.6MM$2.8MM

TODAY'S FEATURED RATES

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

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Money Market
Checking
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Patriot Bank (CT) Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
2.50%	$0	-	Youth Savings
2.50%^*	$250k^*	-	Business Savings
OTHER TIERS: 0.50% → $0 - $250k
2.00%^*	$0	$250k	Business Premium Savings
OTHER TIERS: 0.01% → $250k+
1.50%^*	$100k^*	-	Star Savings
OTHER TIERS: 0.50% → $0 - $100k
1.00%^*	$100k^*	-	Patriot Bank at Work Savings
OTHER TIERS: 0.50% → $0 - $100k
0.01%	$0	-	Health Savings Account
0.00%	$0	-	Savings Account

Patriot Bank (CT) Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
3.00%^*	$250k^*	-	Money Market
OTHER TIERS: 0.50% → $0 - $50k \| 1.25% → $50k - $100k \| 2.50% → $100k - $250k
0.05%^*	$250k^*	-	Business Money Market
OTHER TIERS: 0.01% → $0 - $250k

Patriot Bank (CT) Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
1.00%^*	$100k^*	-	Star Banking
OTHER TIERS: 0.01% → $0 - $100k
0.00%	$50k	-	The One Account

Patriot Bank (CT) CD Rates

APY	MIN	MAX	ACCOUNT NAME
4.00%	$0	-	Founders CD
3.76%	$500	-	3 Month Star Relationship CD
3.76%	$500	-	5 Month Star Relationship CD
3.76%	$500	-	6 Month Star Relationship CD
3.76%	$500	-	9 Month Star Relationship CD
3.50%	$500	-	3 Month CD
3.50%	$500	-	5 Month CD
3.50%	$500	-	6 Month CD
3.50%	$500	-	9 Month CD
3.27%	$500	-	1 Year Star Relationship CD
3.27%	$500	-	18 Month Star Relationship CD
3.27%	$500	-	2 Year Star Relationship CD
3.00%	$500	-	1 Year CD
3.00%	$500	-	18 Month CD
3.00%	$500	-	2 Year CD
2.50%	$500	-	30 Month Star Relationship CD
2.50%	$500	-	3 Year Star Relationship CD
2.50%	$500	-	4 Year Star Relationship CD
2.50%	$500	-	5 Year Star Relationship CD
2.25%	$500	-	30 Month CD
2.25%	$500	-	3 Year CD
2.25%	$500	-	4 Year CD
2.25%	$500	-	5 Year CD

Patriot Bank (CT) IRA Rates

APY	MIN	MAX	ACCOUNT NAME
3.76%	$500	-	3 Month Star Relationship IRA
3.76%	$500	-	5 Month Star Relationship IRA
3.76%	$500	-	6 Month Star Relationship IRA
3.76%	$500	-	9 Month Star Relationship IRA
3.50%	$500	-	3 Month IRA
3.50%	$500	-	5 Month IRA
3.50%	$500	-	6 Month IRA
3.50%	$500	-	9 Month IRA
3.27%	$500	-	1 Year Star Relationship IRA
3.27%	$500	-	18 Month Star Relationship IRA
3.27%	$500	-	2 Year Star Relationship IRA
3.00%	$500	-	1 Year IRA
3.00%	$500	-	18 Month IRA
3.00%	$500	-	2 Year IRA
2.50%	$500	-	30 Month Star Relationship IRA
2.50%	$500	-	3 Year Star Relationship IRA
2.50%	$500	-	4 Year Star Relationship IRA
2.50%	$500	-	5 Year Star Relationship IRA
2.25%	$500	-	30 Month IRA
2.25%	$500	-	3 Year IRA
2.25%	$500	-	4 Year IRA
2.25%	$500	-	5 Year IRA

Locations

Patriot Bank (CT) Locations
Greenwich Branch	100 Mason Street	Greenwich, CT 06830
Norwalk Branch	16 River Street	Norwalk, CT 06852
Fairfield Branch	1755 Black Rock Turnpike	Fairfield, CT 06825
Westport Branch	415 Post Road East	Westport, CT 06880
Scarsdale Branch	495 Central Park Avenue	Scarsdale, NY 10583
Milford Branch	771 Boston Post Road	Milford, CT 06460
Darien Branch	233 Post Road	Darien, CT 06820
Stamford Branch	999 Bedford Street	Stamford, CT 06905
Orange Branch	7 Old Tavern Road	Orange, CT 06477

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