bank rates

2-State Deal: CDs Pay Up To 3%

Hand pressing buttons on a calculatorPatriot Federal Credit Union has a trio of special CD rates for its Pennsylvania and Maryland members – and one even reaches 3.00%.

With a $25,000 minimum deposit of new money, it pays:

  • 2.00% APY for 36-month CDs.
  • 3.00% APY for 60-month CDs.

Although the top nationally available 60-month CD rates on our CD Rates Leaderboard have seen impressive gains this year, we’re still a long way from 3% (PenFed’s deal earlier this year excluded, of course).

Both locally and nationally, 36-month CD rates have been far less impressive. This rate beats that term’s leader handily.

The credit union also pays 2.50% APY for its special 48-month “step up” CD, which allows you to raise your rate once during the term should interest rates increase. It also requires a $25,000 minimum deposit of new money.

You have to be a member of Patriot Federal Credit Union to purchase these certificates of deposit. Anyone who lives, works or regularly conducts business, worships or attends school in the Pennsylvania counties of Franklin or Fulton, or the borough of Shippensburg; or Washington County, Md., is eligible to join, as are current members’ family members.

Membership requires a $5 deposit in a share savings account.

Members can buy these special CDs online, over the phone, or in person at a branch.

There are six branches in Chambersburg, Hagerstown and Waynesboro, Pa.

Learn more about Patriot Federal Credit Union at or call 888-777-9982.

See how these returns compare with the best CD rates from scores of banks in our extensive database.

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