Patriot Bank, National Association savings, CD and money market rates
Patriot Bank, National Association's Youth Savings offers 2.00% APY. That is 1.62 percentage points above the national savings average of 0.38% (FDIC, Oct 2026).
Ranked #526 of 2944 tracked savings rates by advertised APY. For a $10,000 balance it would rank #350.
Estimate your earnings·What Patriot Bank, National Association actually pays
Patriot Bank, National Association at a glance
| Savings | |
|---|---|
| Top savings APY | 2.00% · Youth Savings |
| Minimum to open | $0 · Youth Savings |
| Against the national average | 1.62 percentage points above the 0.38% FDIC savings average (Oct 2026) |
| CDs | |
| Top CD APY | 3.50% · 3 months · 3 Month CD |
| Minimum to open | $500 · 3 months CD |
| Against the national average | 2.36 percentage points above the 1.14% FDIC 3-month CD average (Oct 2026) |
| Money market | |
| Top money market APY | 3.50% · Founders Money Market |
| Minimum to open | not stated · Founders Money Market |
| Against the national average | 2.87 percentage points above the 0.63% FDIC money market average (Oct 2026) |
| FDIC certificate | 33928 · Stamford, CT |
|---|---|
| Website | www.bankpatriot.com |
| Branches | 8 branches in CT, NY |
| Availability | Available in CT, NY |
Patriot Bank, National Association savings, CD and money market rates
Personal
How the rate applies
How the rate applies
How the rate applies
How the rate applies
How the rate applies
IRA
Business
How the rate applies
How the rate applies
How the rate applies
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How the rate applies
Rates are APY. The national savings average is 0.38% (FDIC, Oct 2026). The top tracked savings rate on Banksparency is 12.00%. Across 59 savings accounts from 58 banks in the Banksparency core savings index, the median advertised rate is 3.65%, and one account in ten advertises 4.20% or more. See the highest savings rates.
Patriot Bank, National Association CD rates
| Term | APY | Minimum | Product |
|---|---|---|---|
| Personal CDs | |||
| 3 months | 3.50%That 3.50% is a promotional rate. | $500 | 3 Month CD |
| 5 months | Up to3.50%Relationship rate · 3.00% without the relationship | $500 | 5 Month CD |
| 6 months | Up to3.50%Relationship rate · 3.00% without the relationship | $500 | 6 Month CD |
| 9 months | Up to3.27%Relationship rate · 3.00% without the relationship | $500 | 9 Month CD |
| 12 months | 3.27%That 3.27% is a promotional rate. | $500 | 1 Year CD |
| 18 months | Up to2.76%Relationship rate · 2.50% without the relationship | $500 | 18 Month CD |
| 24 months | Up to2.76%Relationship rate · 2.50% without the relationship | $500 | 2 Year CD |
| 30 months | Up to2.50%Relationship rate · 2.25% without the relationship | $500 | 30 Month CD |
| 36 months | Up to2.50%Relationship rate · 2.25% without the relationship | $500 | 3 Year CD |
| 48 months | Up to2.50%Relationship rate · 2.25% without the relationship | $500 | 4 Year CD |
| 60 months | Up to2.50%Relationship rate · 2.25% without the relationship | $500 | 5 Year CD |
| IRA CDs | |||
| 3 months | 3.50%That 3.50% is a promotional rate. | $500 | 3 Month IRA CD |
| 5 months | Up to3.50%Relationship rate · 3.00% without the relationship | $500 | 5 Month IRA CD |
| 6 months | Up to3.50%Relationship rate · 3.00% without the relationship | $500 | 6 Month IRA CD |
| 9 months | Up to3.27%Relationship rate · 3.00% without the relationship | $500 | 9 Month IRA CD |
| 12 months | 3.27%That 3.27% is a promotional rate. | $500 | 1 Year IRA CD |
| 18 months | Up to2.76%Relationship rate · 2.50% without the relationship | $500 | 18 Month IRA CD |
| 24 months | Up to2.76%Relationship rate · 2.50% without the relationship | $500 | 2 Year IRA CD |
| 30 months | Up to2.50%Relationship rate · 2.25% without the relationship | $500 | 30 Month IRA CD |
| 36 months | Up to2.50%Relationship rate · 2.25% without the relationship | $500 | 3 Year IRA CD |
| 48 months | Up to2.50%Relationship rate · 2.25% without the relationship | $500 | 4 Year IRA CD |
| 60 months | Up to2.50%Relationship rate · 2.25% without the relationship | $500 | 5 Year IRA CD |
Interactive Tool
Calculate Savings for Patriot Bank, National Association
All calculations are based on APY.
Savings Breakdown
- Interest Earned+$1,363.30(8.9%)
- Total Contributions$13,000
- Initial Deposit$1,000
Projected Balance
$15,363.30
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
What Patriot Bank, National Association pays on deposits
FDIC call report data
An advertised rate tells you what a new savings account earns today. It cannot tell you how the bank has priced the savings and money market deposits it already holds, over time. This section shows that. The figure is computed from the interest expense and deposit balances that every bank files with the FDIC in the same form. That is what makes it comparable across banks and across quarters.
The two figures answer different questions, so they sit side by side and are not combined.
In Q2 2026, Patriot Bank, National Association paid a higher average rate on savings and money market deposits than 97% of banks that reported a figure (FDIC call report). The all-bank median was 1.45%.
- Patriot Bank, National Association, savings and money market
- All-bank median
How to read these figures
What the average covers. It is an average across the whole bank, taken from its own quarterly FDIC call report. It covers savings accounts and money market deposit accounts, personal and business, at every balance tier. It also covers accounts that were opened years ago and keep the rate of those years. The FDIC line does not separate consumer accounts.
The second figure. The scale row also shows the average across all interest-bearing deposits: savings, interest checking, money market accounts, CDs, personal and business. That figure covers the whole deposit book. The two are shown separately and are not combined.
What the advertised rate covers. It is the rate that this bank advertises now for a new savings account. Banksparency records it from the bank's website on the date shown beside it.
Why the two differ. They measure different things, so this page shows them side by side and keeps them apart. An advertised rate applies to one account, opened now, at today's price. The average also includes older savings balances at the rates of earlier years, money market balances that were priced in a different rate environment, and business accounts. An average below an advertised rate is the usual result of that arithmetic. On its own it is not evidence about the account that you would open.
What the average is useful for. The bank files the data itself, under reporting instructions that are the same for every filer, and the same computation runs for every bank on this site. That makes it comparable in a way that an advertisement is not. Two things on this page read it: the percentile, which shows where the quarter sits among all filers, and the chart, which shows the direction the figure has moved across quarters.
What the average cannot tell you. It cannot tell you the rate that you would earn. No single customer earns the average. For your rate, read the advertised rate above and the rate tables on this page, each with the date it was observed.
What to do next. Use the advertised rate to work out what a new account earns. Use the chart to see how the quarterly average has moved against the all-bank median. Then compare the advertised rate against the current rates on the savings-rate tables before you open an account.
Definitions: Call Report · Rate Paid on Deposits · Interest-Bearing Deposits · Front Book and Back Book · Deposit Rate Percentile
Average annualized rates paid on savings and money market deposits, and on all interest-bearing deposits, quarterly. The FDIC line for savings includes money market deposit accounts and business savings deposits and does not separate consumer accounts. Source: FDIC call report data, as reported; it may be amended. The percentile compares all FDIC filers, count-weighted. A missing quarter is suppressed, never interpolated. The percentile counts the banks that paid strictly less on savings and money market deposits, one vote per bank, among the banks that reported a figure for the quarter.
So what is the catch?
| Product | APY | Min to open | Min to earn | Balance cap | Monthly fee | Requirements | Rate type | 12-mo trend |
|---|---|---|---|---|---|---|---|---|
| Personal | ||||||||
| Youth Savings | 2.00% | $0 | $0 | None | not stated | not stated | One rate | not enough history |
| Star Savings | Up to 1.50% | $100 | $0 | None | not stated | Linked account at the bank · direct deposit not stated | Tiered | not enough history |
| Fine print: Star Savings is only available with a Star Banking account. An aggregate minimum balance of $15,000 between Star Banking and any other non-checking deposit product is required. Deposits are limited to $500,000 for each household. The account converts to a Savings account if the linked Star Banking account is closed. | ||||||||
| Rent Security Savings | 0.53% | not stated | $0 | None | not stated | not stated | One rate | not enough history |
| Bank at Work Savings | Up to 0.20% | not stated | $0 | None | not stated | not stated | Tiered | not enough history |
| Municipal at Work Savings | Up to 0.20% | not stated | $0 | None | not stated | not stated | Tiered | not enough history |
| Nonprofit at Work Savings | Up to 0.20% | not stated | $0 | None | not stated | not stated | Tiered | not enough history |
| Savings | 0.01% | $100 | $0 | None | not stated | not stated | One rate | not enough history |
| Health Savings Account | 0.01% | $0 | $0 | None | not stated | not stated | One rate | not enough history |
| Founders Money Market | 3.50% | not stated | $0 | None | not stated | not stated | One rate | not enough history |
| Money Market | Up to 3.00% | $100 | $0 | None | not stated | not stated | Tiered | not enough history |
| Business | ||||||||
| Founders Money Market for Business | 3.50% | not stated | $0 | None | not stated | not stated | One rate | not enough history |
| Premium Business Savings | Up to 1.50% | not stated | $0 | None | not stated | not stated | Tiered | not enough history |
| Premium Municipal Savings | Up to 1.50% | not stated | $0 | None | not stated | not stated | Tiered | not enough history |
| Business Money Market | Up to 1.00% | not stated | $0 | None | not stated | not stated | Tiered | not enough history |
| Premium Nonprofit Savings | Up to 1.00% | not stated | $0 | None | not stated | not stated | Tiered | not enough history |
| Business Savings | Up to 0.05% | not stated | $0 | None | not stated | not stated | Tiered | not enough history |
Fine print for 3 products above: Premium savings accounts are only available with their corresponding checking account.
Rate type: one rate applies at every balance. A tiered rate changes with your balance. A promotional rate changes after the period shown. A balance cap is the largest balance the highest rate applies to.
The 12-month trend shows the highest advertised rate observed each day and includes promotional tiers where one applied.
CDs
| Product | Term | APY | Min to open | Early withdrawal fee | Compounding |
|---|---|---|---|---|---|
| Personal CDs | |||||
| 3 Month CD | 3 months | 3.50% | $500 | not stated | not stated |
| 5 Month CD | 5 months | Up to 3.50% | $500 | not stated | not stated |
| 6 Month CD | 6 months | Up to 3.50% | $500 | not stated | not stated |
| 9 Month CD | 9 months | Up to 3.27% | $500 | not stated | not stated |
| 1 Year CD | 12 months | 3.27% | $500 | not stated | not stated |
| 18 Month CD | 18 months | Up to 2.76% | $500 | not stated | not stated |
| 2 Year CD | 24 months | Up to 2.76% | $500 | not stated | not stated |
| 30 Month CD | 30 months | Up to 2.50% | $500 | not stated | not stated |
| 3 Year CD | 36 months | Up to 2.50% | $500 | not stated | not stated |
| 4 Year CD | 48 months | Up to 2.50% | $500 | not stated | not stated |
| 5 Year CD | 60 months | Up to 2.50% | $500 | not stated | not stated |
| IRA CDs | |||||
| 3 Month IRA CD | 3 months | 3.50% | $500 | not stated | not stated |
| 5 Month IRA CD | 5 months | Up to 3.50% | $500 | not stated | not stated |
| 6 Month IRA CD | 6 months | Up to 3.50% | $500 | not stated | not stated |
| 9 Month IRA CD | 9 months | Up to 3.27% | $500 | not stated | not stated |
| 1 Year IRA CD | 12 months | 3.27% | $500 | not stated | not stated |
| 18 Month IRA CD | 18 months | Up to 2.76% | $500 | not stated | not stated |
| 2 Year IRA CD | 24 months | Up to 2.76% | $500 | not stated | not stated |
| 30 Month IRA CD | 30 months | Up to 2.50% | $500 | not stated | not stated |
| 3 Year IRA CD | 36 months | Up to 2.50% | $500 | not stated | not stated |
| 4 Year IRA CD | 48 months | Up to 2.50% | $500 | not stated | not stated |
| 5 Year IRA CD | 60 months | Up to 2.50% | $500 | not stated | not stated |
Fine print for 4 CDs above: A higher rate applies with a Star Banking Relationship, which requires a Star Banking checking account with an aggregate minimum balance of at least $15,000. This term is offered at a promotional rate, which is subject to change at any time.
Fine print for 18 CDs above: A higher rate applies with a Star Banking Relationship, which requires a Star Banking checking account with an aggregate minimum balance of at least $15,000.
Opening and using the account
| Availability | Available in CT, NY |
|---|---|
| Footprint | 8 branches in CT, NY |
| Eligibility | not stated |
How Patriot Bank, National Association behaves over time
- Rate last changed
- Oct 19, 2026(effective date)
$10,000 at the 2.00% APY Patriot Bank, National Association advertises on Youth Savings grows to $10,200 in a year. Prices rose 3.7% in the year to September 2026 (Consumer Price Index (CPI)). After a year of prices rising at that pace, it buys as much as $9,832 does today. See how the federal funds rate shapes savings rates.
Patriot Bank, National Association CD rates over time
Who is Patriot Bank, National Association?
| Headquarters | Stamford, CT |
|---|---|
| Founded | 1994 |
| Scale | $1.3B assets · $1.2B deposits, $1.1B of it interest-bearing (Q2 2026, FDIC) |
| Deposit insurance | FDIC insured · Certificate 33928 |
| Charter state | Connecticut · one of 27 insured banks chartered there (Q2 2026, FDIC) |
| Size | 763rd-largest by deposits of 4,238 insured banks (Q2 2026, FDIC) |
| Deposit growth | Higher than at 98% of 4,226 insured banks over the four quarters to Q2 2026 (FDIC) |
Financial detail is in What Patriot Bank, National Association pays on deposits above.
Common questions about Patriot Bank, National Association
Is Patriot Bank, National Association FDIC insured?
Yes. Patriot Bank, National Association is FDIC insured under certificate 33928, so deposits are covered up to $250,000 per depositor, per ownership category.
What is the minimum deposit at Patriot Bank, National Association?
Patriot Bank, National Association requires no minimum deposit to open its Youth Savings account, as observed on Oct 19, 2026. Check the bank's current terms before you open an account.
Does Patriot Bank, National Association have branches?
Yes. Patriot Bank, National Association operates 8 branches according to FDIC branch records, in addition to its website and mobile apps.
Patriot Bank, National Association against its closest alternatives
| Bank | Savings APY | Rate paid on savings and money market deposits (Q2 2026) | Min deposit | Branches |
|---|---|---|---|---|
| Patriot Bank, National Association | 2.00% | 3.35% | $0 | 8 branches in CT, NY |
| Century Bank | 2.00% | 0.77% | $2,000 | 9 branches in NM |
| Citizens Savings Bank | Up to2.00% | 1.62% | $100 | 3 branches in IA |
| Community National Bank in Monmouth | 2.00% | not stated | $100 | 1 branch in IL |
Each savings APY is the top rate of the account the bank's own page leads with. Alternatives are the three tracked banks whose savings APY is closest to Patriot Bank, National Association's.
Similar banks and related pages
Banks in the same rate band with the same product mix:
Other banks chartered in Connecticut, nearest to Patriot Bank, National Association in deposits:
Rate hubs: today's highest savings rates, CD rates by term, and money market rates.
State pages: savings rates in Connecticut, money market rates in Connecticut, banks in Connecticut, and savings rates in New York.