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Overview / Commentary
800 Wayne Ave
Chambersburg, PA 17201-3810

Patriot Credit Union is headquartered in Chambersburg and is the 17st largest credit union in the state of Pennsylvania. It is also the 470th largest credit union in the nation. It was established in 1965 and as of March of 2014, it had grown to 131 employees and 48,194 members. Patriot Credit Union has a A+ health rating.

Field of Membership Restrictions

Must live, work, worship or attend school in the Borough of Shippensburg, Cumberland, Franklin or Fulton County in Pennsylvania or Washington County in Maryland. - See Details

Related Posts

Special CDs with Top Rates at Patriot FCU in Parts of PA and MD - 4/7/2014

Patriot Federal Credit Union has come out with four special CDs with very competitive rates. The best one is a 5-year CD with a 3.00% APY. The others include a 4-year CD with a 2.50% APY, a 3-year CD ...

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Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Patriot Credit Union had $2.39 million in non-current loans and owned real-estate with $63.31 million in equity and loan loss allowances on hand to cover it. This gives Patriot Credit Union a Texas Ratio of 3.78% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Patriot Credit Union experienced no significant changes from 4.11% as of March 31, 2013 to 3.78% as of March 31, 2014, resulting in a positive change of 8.10%.This indicates that the balance sheet and financial strength for Patriot Credit Union has had no significant changes in recent periods.

Deposit Growth


In the past year, Patriot Credit Union has increased its total deposits by $20.76 million, resulting in 5.26% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Patriot Credit Union has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Patriot Credit Union has $482.23 million in assets with $63.31 million in equity, resulting in a capitalization level of 13.13%, which is excellent.

Institution Statistics

NCUA #16574
Year Chartered1965
Primary Regulator
Assets and Liabilities
Assets$482.23 million
Loans$266.94 million
Deposits$415.27 million
Equity Capital$61.47 million
Loan Loss Allowance$1.84 million
Unbacked Noncurrent Loans$2.13 million
Real Estate Owned$265,000
Historic Data - March 2013
Assets$456.88 million
Equity Capital$57.46 million
Loan Loss Allowance$1.52 million
Unbacked Noncurrent Loans$2.13 million
Real Estate Owned$479,000
Profit Margin - Quarterly
Return on Assets0.5%
Return on Equity3.93%
Interest Income$4.07 million

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Patriot Credit Union Savings Account Rates

0.15%--Regular Shares
0.15%--Accumulative IRA Share
0.15%--IRA Share
0.15%--Roth IRA Share

Patriot Credit Union Money Market Rates

0.40%$100k-CUIMMA Money Market

Patriot Credit Union Checking Account Rates

2.00%$2,500$20kDividend Checking

Patriot Credit Union CD Rates

2.50%$25k-60 Month Share Certificate Special
1.50%$100k-60 Month CD
1.20%$100k-60 Month Continuous Saver CD
1.00%$100k-48 Month Money Management Step Up CD
0.90%$100k-36 Month CD
0.75%$10k-9 Month No Penalty CD
0.70%$100k-24 Month CD
0.60%$25k-24 Month Continuous Saver CD
0.50%$100k-12 Month CD
0.40%$100k-6 Month CD
0.30%$100k-3 Month CD

Patriot Credit Union IRA Rates

2.50%$25k-60 Month IRA Certificate Special
1.50%$100k-60 Month IRA
1.20%$100k-60 Month Continuous Saver IRA
1.00%$100k-48 Month Money Management Step Up IRA
0.90%$100k-36 Month IRA
0.75%$10k-9 Month No Penalty IRA
0.70%$100k-24 Month IRA
0.60%$25k-24 Month Continuous Saver IRA
0.50%$100k-12 Month IRA
0.40%$100k-6 Month IRA
0.30%$100k-3 Month IRA

Patriot Credit Union Locations
Branch Office511 S 6th StChambersburg, PA 17201
Branch Office140 S Federal StChambersburg, PA 17201
Branch Office488 Gateway AveChambersburg, PA 17201
Branch Office800 Wayne AveChambersburg, PA 17201-3810
Branch Office10933 Buchanan Trl EWaynesboro, PA 17268
Branch Office247 Overcash AveChambersburg, PA 17201
Branch Office18721 Longmeadow RdHagerstown, MD 21742
Branch Office800 Wayne AveChambersburg, PA 17201