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Patriot Federal Credit Union


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/8/2025
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
APY APY = Annual Percentage Yield Rates as of 7/8/2025
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
APY APY = Annual Percentage Yield Rates as of 7/8/2025
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
APY APY = Annual Percentage Yield Rates as of 7/8/2025
4.31%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/8/2025
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
APY APY = Annual Percentage Yield Rates as of 7/8/2025
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
Bonus Amount
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
www.patriotfcu.org
717-263-4444
800 Wayne Ave
Chambersburg, PA 17201

Patriot Federal Credit Union is headquartered in Chambersburg and is the 13th largest credit union in the state of Pennsylvania. It is also the 396th largest credit union in the nation. It was established in 1965 and as of March of 2025, it had grown to 210 employees and 79,701 members at 10 locations. Patriot Federal Credit Union's money market rates are 4X the national average, and it boasts an A+ health rating.

Field of Membership Restrictions

Patriot Federal Credit Union is open to anyone who lives, works, worships, attends school, or regularly conducts business in Franklin County, Pennsylvania; Frederick or Washington County, Maryland; or Berkeley, Jefferson, or Morgan County, West Virginia.
See current membership details

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Health
A+

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
NCUA #16574
Year Chartered1965
Employees210
Primary Regulator
Profit Margin
Return on Assets - YTD0.74%
Return on Equity - YTD7.15%
Annual Interest Income$15MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$1.19B$1.13B
LoansQ1 2025vs Q1 2024$901.6MM$847.7MM
DepositsQ1 2025vs Q1 2024$1.06B$996.2MM
Equity CapitalQ1 2025vs Q1 2024$121.4MM$108.4MM
Loan Loss AllowanceQ1 2025vs Q1 2024$11.1MM$10.5MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$1.9MM$1.8MM
Real Estate OwnedQ1 2025vs Q1 2024$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/8/2025
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
APY APY = Annual Percentage Yield Rates as of 7/8/2025
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
APY APY = Annual Percentage Yield Rates as of 7/8/2025
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
APY APY = Annual Percentage Yield Rates as of 7/8/2025
4.31%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/8/2025
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
APY APY = Annual Percentage Yield Rates as of 7/8/2025
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
Bonus Amount
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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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Patriot Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.20%$0-Primary Shares
0.20%$0-Christmas Club
0.20%$0-Vacation Club
0.20%$0-Secondary Share
0.20%$0-Escrow Share

Patriot Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.85%*$250k*-Credit Union Insured Money Market Account
OTHER TIERS: 1.00% → $2.5k - $10k | 1.15% → $10k - $25k | 1.35% → $25k - $100k | 1.65% → $100k - $250k

Patriot Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.50%$2.5k$25kDividend Checking

Patriot Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.10%*$250k*-48 Month CD
OTHER TIERS: 3.90% → $1k - $10k | 4.00% → $10k - $100k | 4.05% → $100k - $250k
4.10%*$250k*-30 Month CD
OTHER TIERS: 3.90% → $1k - $10k | 4.00% → $10k - $100k | 4.05% → $100k - $250k
4.00%$10k-11 Month CD Special
4.00%$10k-19 Month CD Special
3.60%*$250k*-60 Month CD
OTHER TIERS: 3.40% → $1k - $10k | 3.50% → $10k - $100k | 3.55% → $100k - $250k
3.10%*$250k*-36 Month CD
OTHER TIERS: 2.90% → $1k - $10k | 3.00% → $10k - $100k | 3.05% → $100k - $250k
3.00%*$250k*-24 Month CD
OTHER TIERS: 2.80% → $1k - $10k | 2.90% → $10k - $100k | 2.95% → $100k - $250k
2.70%*$250k*-18 Month CD
OTHER TIERS: 2.50% → $1k - $10k | 2.60% → $10k - $100k | 2.65% → $100k - $250k
2.60%*$250k*-12 Month CD
OTHER TIERS: 2.40% → $1k - $10k | 2.50% → $10k - $100k | 2.55% → $100k - $250k
2.55%*$250k*-9 Month CD - No Penalty
OTHER TIERS: 2.45% → $10k - $100k | 2.50% → $100k - $250k
2.50%*$250k*-6 Month CD
OTHER TIERS: 2.30% → $1k - $10k | 2.40% → $10k - $100k | 2.45% → $100k - $250k
2.35%*$250k*-60 Month Continuous Saver CD
OTHER TIERS: 2.15% → $25 - $1k | 2.20% → $1k - $10k | 2.25% → $10k - $100k | 2.30% → $100k - $250k
1.85%*$250k*-24 Month Continuous Saver CD
OTHER TIERS: 1.65% → $25 - $1k | 1.70% → $1k - $10k | 1.75% → $10k - $100k | 1.80% → $100k - $250k
1.70%*$250k*-3 Month CD
OTHER TIERS: 1.50% → $1k - $10k | 1.60% → $10k - $100k | 1.65% → $100k - $250k

Patriot Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.10%*$250k*-48 Month IRA
OTHER TIERS: 3.90% → $1k - $10k | 4.00% → $10k - $100k | 4.05% → $100k - $250k
4.10%*$250k*-30 Month IRA
OTHER TIERS: 3.90% → $1k - $10k | 4.00% → $10k - $100k | 4.05% → $100k - $250k
4.00%$10k-11 Month IRA Special
4.00%$10k-19 Month IRA Special
3.60%*$250k*-60 Month IRA
OTHER TIERS: 3.40% → $1k - $10k | 3.50% → $10k - $100k | 3.55% → $100k - $250k
3.10%*$250k*-36 Month IRA
OTHER TIERS: 2.90% → $1k - $10k | 3.00% → $10k - $100k | 3.05% → $100k - $250k
3.00%*$250k*-24 Month IRA
OTHER TIERS: 2.80% → $1k - $10k | 2.90% → $10k - $100k | 2.95% → $100k - $250k
2.70%*$250k*-18 Month IRA
OTHER TIERS: 2.50% → $1k - $10k | 2.60% → $10k - $100k | 2.65% → $100k - $250k
2.60%*$250k*-12 Month IRA
OTHER TIERS: 2.40% → $1k - $10k | 2.50% → $10k - $100k | 2.55% → $100k - $250k
2.55%*$250k*-9 Month IRA - No Penalty
OTHER TIERS: 2.45% → $10k - $100k | 2.50% → $100k - $250k
2.50%*$250k*-6 Month IRA
OTHER TIERS: 2.30% → $1k - $10k | 2.40% → $10k - $100k | 2.45% → $100k - $250k
2.35%*$250k*-60 Month Continuous Saver IRA
OTHER TIERS: 2.15% → $25 - $1k | 2.20% → $1k - $10k | 2.25% → $10k - $100k | 2.30% → $100k - $250k
1.85%*$250k*-24 Month Continuous Saver IRA
OTHER TIERS: 1.65% → $25 - $1k | 1.70% → $1k - $10k | 1.75% → $10k - $100k | 1.80% → $100k - $250k
1.70%*$250k*-3 Month IRA
OTHER TIERS: 1.50% → $1k - $10k | 1.60% → $10k - $100k | 1.65% → $100k - $250k
0.20%$5-Accumulative IRA Share
Locations


Cities: Chambersburg, Frederick, Hagerstown, Shippensburg, Waynesboro

Chambersburg Branches
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 Office1536 Lincoln Way EChambersburg, PA 17202

Frederick Branches
Branch Office5099 Corporate DrFrederick, MD 21703

Hagerstown Branches
Branch Office18721 Longmeadow RdHagerstown, MD 21742
Branch Office11067 Robinwood DrHagerstown, MD 21742-6793

Shippensburg Branches
Branch Office1095 W King StShippensburg, PA 17257-7900

Waynesboro Branches
Branch Office10933 Buchanan Trl EWaynesboro, PA 17268

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