P.O. BOX 778
Chambersburg, PA 17201

Notable Rates APY Vs.Others
Savings 0.20% 1.90% →
1-Year CD 1.35% 1.90% →
2-Year CD 1.60% 1.95% →
5-Year CD 2.00% 2.00% →
30-Year Mortgage N.A. 3.14% →
15-Year Mortgage N.A. 2.59% →
HELOC N.A. 2.50% →

2020 Overview

General Credit Union Information

Patriot is an NCUA insured institution located in Chambersburg, PA. It was founded in 1965 and has approximately $710.82 millions in assets.

Who can join?

Patriot Federal 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.

NCUA Insured Yes
Charter Number # # 16574
Date Established 1965
Assets $710.82 million
Loans $552.18 million
Deposits $602.35 million
Capital $86.31 million

Field of Membership Restrictions

Membership is open to those who live, attend school, worship, work or regularly conduct business in Franklin County (PA); Fulton County (PA); Washington County (MD); or the Borough of Shippensburg, PA (including the portion in Cumberland County).

Deposit Rates - April 4, 2020

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Money Market
0.20% $2,500 $9,999 Learn MoreShow Less
Money Market
0.30% $10,000 $24,999 Learn MoreShow Less
Money Market
0.45% $25,000 $99,999 Learn MoreShow Less
CD Rates (Share Certificate Rates) APY MIN MAX
3 Mo CD
0.75% $10,000 $24,999 Learn MoreShow Less
6 Mo CD
1.05% $10,000 $24,999 Learn MoreShow Less
Variable IRA Rates APY MIN MAX
0.20% $5 - Learn MoreShow Less
Fixed IRA
1.25% $1,000 $9,999 Learn MoreShow Less
Special: 39 Mo FIRA
1.75% $10,000 $24,999 Learn MoreShow Less
Special: 39 Mo FIRA
1.88% $25,000 $99,999 Learn MoreShow Less
Special: 39 Mo FIRA
1.85% $100,000 $245,000 Learn MoreShow Less
Special: 39 Mo FIRA
1.90% $250,001 - Learn MoreShow Less

Loan Rates - April 4, 2020

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for PATRIOT

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Connecticut 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
4.668% 4.625% 0.00 $1,250 $1,286 Learn More
Rocket Mortgage
NMLS ID: 3030
4.542% 4.500% 0.00 $1,250 $1,267 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
People's United Bank, N.A.
People's United Bank, N.A.
3.500 %
$0 Learn More
More Info

To upload and update your bank's rates please register. It is free to register and add rates.


Below are Patriot branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:

Patriot Locations

Financial Details

Patriot Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Patriot. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
Patriot U.S. Average
6.28% 5.86

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of June 30, 2019, Patriot had $5,312,073 in non-current loans and $333,760 in owned assets. To cover these potential losses it had $86,306,601 in net worth and $3,525,907 in loans loss reserves. That gives it a Texas Ratio of 6.28%.

Net Worth
Patriot U.S. Average
12.14% 13.65%

Patriot FCU has a net worth of 12.14% versus the BestCashCow average of 13.65. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About Patriot

Branches and Savings

What is Patriot?

A federal credit union, registered with the NCUA under certificate #16574.
Learn more about credit unions here.

Is Patriot FDIC insured?

No, credit unions are not insured by the FDIC. They are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance.

Who can join Patriot?

Please see Field of Membership information above for information on who is eligible to join.

What are Patriot's share account and share certificate rates?

Patriot's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is Patriot?

Patriot has total capital of $86.31 million. Full information on Patriot's financial position is located above.

Who owns Patriot?

Credit Unions are owned by their members.

Where are Patriot branches located?

See branch locations nearby.

Are Patriot ATMs Open 24/7?

Do Patriot ATMs accept cash deposits?

Can Patriot customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does Patriot have a mobile app?

Does Patriot have mobile deposit?

Does Patriot have quick pay?

How can Patriot transfer money to other banks or credit unions?

Does Patriot report to credit bureaus?

Does Patriot use Chexsystems?

Does Patriot use Equifax?

What is Patriot's toll free phone number?

What is Patriot's ACH Routing Number?

What is Patriot's SWIFT code?

Where can I find Patriot's wire transfer form?

What is the Patriot address for deposits?

What Products Does Patriot Offer

Does Patriot offer mortgages?

Compare mortgage rates here.

Does Patriot offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Patriot offer auto and RV loans?

Compare auto loan rates here.

Does Patriot offer student loans or personal loans?

Compare personal loan rates here.

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