What are the current interest rates at Patriot Federal Credit Union?

Current rates for Patriot Federal Credit Union include: 12-Month CD: 2.15%, 18-Month CD: 3.40%, 24-Month CD: 1.65%, 60-Month CD: 2.15%, Savings: 0.20%, MMA: 1.00%

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Patriot Federal Credit Union

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Patriot Federal Credit Union Rates & Review September 2026

Q: Is a member application needed to join Patriot Federal Credit Union?

Yes, to access services at Patriot Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Patriot Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 4, 2026

Patriot Federal Credit Union's 60 Month CD -Savings CD, Traditional IRA or Roth IRA rates are at 4.30%, 48 Month CD -Savings CD, Traditional IRA or Roth IRA rates are at 4.25%, 60 Month CD -Savings CD, Traditional IRA or Roth IRA rates are at 4.25%, 36 Month CD -Savings CD, Traditional IRA or Roth IRA rates are at 4.20%, 48 Month CD -Savings CD, Traditional IRA or Roth IRA rates are at 4.20%. Patriot Federal Credit Union's savings rates are at 0.20%. Patriot Federal Credit Union's money market rates are at 1.00%. Patriot Federal Credit Union's Personal Loan Rates are at 11.99%. MonitorBankRates evaluates the financial stability of Patriot Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.72%. Rates last updated and verified on 09/04/2026.

Patriot Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Patriot Federal Credit Union? Share your experience about Patriot Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Patriot Federal Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

1.72%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Patriot Federal Credit Union
Corporate Office

800 Wayne Ave
Chambersburg, PA 17201-3810

https://www.patriotfcu.org

Patriot Federal Credit Union CD Rates

Product	Rate	APY	Term
60 Month Share Certificate -Savings Certificate, Traditional IRA or Roth IRA	-	4.30%	60 Month
Min Balance $250,000 Details Dividend Earnings $59,846.38 Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.72%
48 Month Share Certificate -Savings Certificate, Traditional IRA or Roth IRA	-	4.25%	48 Month
Min Balance $250,000 Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.72%
60 Month Share Certificate -Savings Certificate, Traditional IRA or Roth IRA	-	4.25%	60 Month
Min Balance $100,000 Details Dividend Earnings $23,630.19 Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.72%
36 Month Share Certificate -Savings Certificate, Traditional IRA or Roth IRA	-	4.20%	36 months
Min Balance $250,000 Details Dividend Earnings based on minimum tier balance Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.72%
48 Month Share Certificate -Savings Certificate, Traditional IRA or Roth IRA	-	4.20%	48 Month
Min Balance $100,000 Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.72%
60 Month Share Certificate -Savings Certificate, Traditional IRA or Roth IRA	-	4.20%	60 Month
Min Balance $10,000 Details Dividend Earnings $2,332.26 Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.72%
30 Month Share Certificate -Savings Certificate, Traditional IRA or Roth IRA	-	4.15%	30 Month
Min Balance $250,000 Details Dividend Earnings based on minimum tier balance. Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.72%
36 Month Share Certificate -Savings Certificate, Traditional IRA or Roth IRA	-	4.15%	36 months
Min Balance $100,000 Details Dividend Earnings based on minimum tier balance Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.72%
48 Month Share Certificate -Savings Certificate, Traditional IRA or Roth IRA	-	4.15%	48 Month
Min Balance $10,000 Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.72%
24 Month Share Certificate -Savings Certificate, Traditional IRA or Roth IRA	-	4.10%	24 Month
Min Balance $250,000 Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.72%
30 Month Share Certificate -Savings Certificate, Traditional IRA or Roth IRA	-	4.10%	30 Month
Min Balance $100,000 Details Dividend Earnings based on minimum tier balance. Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.72%
36 Month Share Certificate -Savings Certificate, Traditional IRA or Roth IRA	-	4.10%	36 months
Min Balance $10,000 Details Dividend Earnings based on minimum tier balance Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.72%
60 Month Share Certificate -Savings Certificate, Traditional IRA or Roth IRA	-	4.10%	60 Month
Min Balance $1,000 Details Dividend Earnings $227.10 Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.72%
24 Month Share Certificate -Savings Certificate, Traditional IRA or Roth IRA	-	4.05%	24 Month
Min Balance $100,000 Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.72%
30 Month Share Certificate -Savings Certificate, Traditional IRA or Roth IRA	-	4.05%	30 Month
Min Balance $10,000 Details Dividend Earnings based on minimum tier balance. Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.72%
48 Month Share Certificate -Savings Certificate, Traditional IRA or Roth IRA	-	4.05%	48 Month
Min Balance $1,000 Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.72%
15 Month Share Certificate -Savings Certificate, Traditional IRA or Roth IRA	-	4.00%	15 Month
Min Balance $10,000 Details Dividend Earnings $511.84 Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.72%
24 Month Share Certificate -Savings Certificate, Traditional IRA or Roth IRA	-	4.00%	24 Month
Min Balance $10,000 Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.72%
36 Month Share Certificate -Savings Certificate, Traditional IRA or Roth IRA	-	4.00%	36 months
Min Balance $1,000 Details Dividend Earnings based on minimum tier balance Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.72%
30 Month Share Certificate -Savings Certificate, Traditional IRA or Roth IRA	-	3.95%	30 Month
Min Balance $1,000 Details Dividend Earnings based on minimum tier balance. Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.72%
24 Month Share Certificate -Savings Certificate, Traditional IRA or Roth IRA	-	3.90%	24 Month
Min Balance $1,000 Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.72%
8 Month Share Certificate	-	3.70%	8 Month
Min Balance $10,000 Details Dividend Earnings based on minimum tier balance Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.72%
18 Month Share Certificate -Savings Certificate, Traditional IRA or Roth IRA	-	3.60%	18 Month
Min Balance $250,000 Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.72%
18 Month Share Certificate -Savings Certificate, Traditional IRA or Roth IRA	-	3.55%	18 Month
Min Balance $100,000 Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.72%
18 Month Share Certificate -Savings Certificate, Traditional IRA or Roth IRA	-	3.50%	18 Month
Min Balance $10,000 Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.72%
18 Month Share Certificate -Savings Certificate, Traditional IRA or Roth IRA	-	3.40%	18 Month
Min Balance $1,000 Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.72%
12 Month Share Certificate -Savings Certificate, Traditional IRA or Roth IRA	-	2.35%	12 Month
Min Balance $250,000 Details Dividend Earnings based on minimum tier balance Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.72%
60 Month Continuous Saver Share Certificate -Savings Certificate, Traditional IRA or Roth IRA	-	2.35%	60 Month
Min Balance $250,000 Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.72%
12 Month Share Certificate -Savings Certificate, Traditional IRA or Roth IRA	-	2.30%	12 Month
Min Balance $100,000 Details Dividend Earnings based on minimum tier balance Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.72%
60 Month Continuous Saver Share Certificate -Savings Certificate, Traditional IRA or Roth IRA	-	2.30%	60 Month
Min Balance $100,000 Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.72%
9 Month No Penalty Certificate -Savings Certificate, Traditional IRA or Roth IRA	-	2.30%	9 Month
Min Balance $250,000 Details Dividend Earnings based on minimum tier balance. Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.72%
12 Month Share Certificate -Savings Certificate, Traditional IRA or Roth IRA	-	2.25%	12 Month
Min Balance $10,000 Details Dividend Earnings based on minimum tier balance Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.72%
6 Month Share Certificate -Savings Certificate, Traditional IRA or Roth IRA	-	2.25%	6 Month
Min Balance $250,000 Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.72%
60 Month Continuous Saver Share Certificate -Savings Certificate, Traditional IRA or Roth IRA	-	2.25%	60 Month
Min Balance $10,000 Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.72%
9 Month No Penalty Certificate -Savings Certificate, Traditional IRA or Roth IRA	-	2.25%	9 Month
Min Balance $100,000 Details Dividend Earnings based on minimum tier balance. Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.72%
6 Month Share Certificate -Savings Certificate, Traditional IRA or Roth IRA	-	2.20%	6 Month
Min Balance $100,000 Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.72%
60 Month Continuous Saver Share Certificate -Savings Certificate, Traditional IRA or Roth IRA	-	2.20%	60 Month
Min Balance $1,000 Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.72%
9 Month No Penalty Certificate -Savings Certificate, Traditional IRA or Roth IRA	-	2.20%	9 Month
Min Balance $10,000 Details Dividend Earnings based on minimum tier balance. Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.72%
12 Month Share Certificate -Savings Certificate, Traditional IRA or Roth IRA	-	2.15%	12 Month
Min Balance $1,000 Details Dividend Earnings based on minimum tier balance Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.72%
6 Month Share Certificate -Savings Certificate, Traditional IRA or Roth IRA	-	2.15%	6 Month
Min Balance $10,000 Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.72%
60 Month Continuous Saver Share Certificate -Savings Certificate, Traditional IRA or Roth IRA	-	2.15%	60 Month
Min Balance $25 Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.72%
6 Month Share Certificate -Savings Certificate, Traditional IRA or Roth IRA	-	2.05%	6 Month
Min Balance $1,000 Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.72%
24 Month Continuous Saver Share Certificate	-	1.85%	24 Month
Min Deposit $250,000 Min Balance $250,000 Details Rates effective as of September 2, 2026. Dividend Earnings based on minimum tier balance. Withdrawals and fees could reduce earnings. Penalty for early withdrawal. Other restrictions may apply. Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.72%
24 Month Continuous Saver Share Certificate	-	1.80%	24 Month
Min Deposit $100,000 Min Balance $100,000 Details Rates effective as of September 2, 2026. Dividend Earnings based on minimum tier balance. Withdrawals and fees could reduce earnings. Penalty for early withdrawal. Other restrictions may apply. Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.72%
24 Month Continuous Saver Share Certificate	-	1.75%	24 Month
Min Deposit $10,000 Min Balance $10,000 Details Rates effective as of September 2, 2026. Dividend Earnings based on minimum tier balance. Withdrawals and fees could reduce earnings. Penalty for early withdrawal. Other restrictions may apply. Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.72%
24 Month Continuous Saver Share Certificate	-	1.70%	24 Month
Min Deposit $1,000 Min Balance $1,000 Details Rates effective as of September 2, 2026. Dividend Earnings based on minimum tier balance. Withdrawals and fees could reduce earnings. Penalty for early withdrawal. Other restrictions may apply. Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.72%
3 Month Share Certificate -Savings Certificate, Traditional IRA or Roth IRA	-	1.70%	3 Month
Min Balance $250,000 Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.72%
24 Month Continuous Saver Share Certificate	-	1.65%	24 Month
Min Deposit $25 Min Balance $25 Details Rates effective as of September 2, 2026. Dividend Earnings based on minimum tier balance. Withdrawals and fees could reduce earnings. Penalty for early withdrawal. Other restrictions may apply. Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.72%
3 Month Share Certificate -Savings Certificate, Traditional IRA or Roth IRA	-	1.65%	3 Month
Min Balance $100,000 Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.72%
3 Month Share Certificate -Savings Certificate, Traditional IRA or Roth IRA	-	1.60%	3 Month
Min Balance $10,000 Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.72%
3 Month Share Certificate -Savings Certificate, Traditional IRA or Roth IRA	-	1.50%	3 Month
Min Balance $1,000 Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.72%

Patriot Federal Credit Union Savings Rates

Product	Rate	APY
Christmas Club Share	-	0.20%
Min Balance $0 Details Disbursement: October 1st Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.72%
Share Savings (Primary Share, Secondary Share, Escrow Share, Accumulative Roth/Traditional IRA Share)	-	0.20%
Min Balance $5 Details Rates are variable and are subject to change at any time. Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.72%
Vacation Club Share	-	0.20%
Min Balance $0 Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.72%

Patriot Federal Credit Union Money Market Rates

Product	Rate	APY
Credit Union Insured Money Market Account (CUIMMA)	-	1.75%
Min Balance $250,000 Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.72%
Credit Union Insured Money Market Account (CUIMMA)	-	1.55%
Min Balance $100,000 Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.72%
Credit Union Insured Money Market Account (CUIMMA)	-	1.25%
Min Balance $25,000 Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.72%
Credit Union Insured Money Market Account (CUIMMA)	-	1.10%
Min Balance $10,000 Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.72%
Credit Union Insured Money Market Account (CUIMMA)	-	1.00%
Min Balance $2,500 Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.72%

Patriot Federal Credit Union Checking Rates

Product	Rate	APY	View More
Dividend Checking Account	-	2.50%
Min Deposit $2,500 Min Balance $2,500 Details On the portion of balances $25,000.01+ Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.72%

Patriot Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Loans (100% LTV)	-	-	6.14%	Up to 63 months
Details As Low As; Example: $10,000 loan, monthly payment will be $193.98 for 60 months at 6.14%. Rates may change without notice. All loans subject to credit approval. Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.72%
Auto Loans (100% LTV)	-	-	6.29%	64-75 months
Details As Low As; Example: $10,000 loan, monthly payment will be $193.98 for 60 months at 6.14%. Rates may change without notice. All loans subject to credit approval. Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.72%
Auto Loans (100% LTV)	-	-	6.79%	76-84 months
Details As Low As; Example: $10,000 loan, monthly payment will be $193.98 for 60 months at 6.14%. Rates may change without notice. All loans subject to credit approval. Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.72%

Patriot Federal Credit Union Personal Loan Rates

Product	APR	Term
Personal/Signature Loans	11.99%	Flexible terms avail
Details Term: Flexible terms available; As Low As; Rates apply to new loans to Patriot. Example: $7,500 loan, monthly payment will be $249.07 for 36 months at 11.99%. Other rates and terms available. Rates may change without notice. All loans subject to credit approval. Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.72%
Express Signature Loans	17.37%	12 months
Details Annual Percentage Rate (APR) $1000 minimum loan amount. $20.00 processing fee. Interest rate is 13.50%. Example: $1,000 loan with a 17.37% APR would have a monthly payment of $89.55. Rates may change without notice. All loans subject to credit approval. Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.72%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Patriot Federal Credit Union’s Texas Ratio stayed near 1.43% in Q2 2023 to 1.72% in Q1 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the amber line marks the 15% level a credit union must stay under to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy threshold

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
March 31, 2026	$1.3B	1.72%	5.0	A+
December 31, 2025	$1.3B	2.08%	5.0	A+
September 30, 2025	$1.3B	1.71%	5.0	A+
June 30, 2025	$1.2B	2.01%	5.0	A+
March 31, 2025	$1.2B	1.25%	5.0	A+
December 31, 2024	$1.2B	1.80%	5.0	A+
September 30, 2024	$1.2B	1.85%	5.0	A+
June 30, 2024	$1.1B	1.50%	5.0	A+
March 31, 2024	$1.1B	1.28%	5.0	A+
December 31, 2023	$1.1B	1.69%	5.0	A+
September 30, 2023	$1.0B	1.89%	5.0	A+
June 30, 2023	$1.0B	1.43%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Patriot Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Patriot Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Patriot Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Patriot Federal Credit Union

Website https://www.patriotfcu.org

Address 800 Wayne Ave, Chambersburg, PA 17201-3810

Phone 717-263-4444

Fax 717-263-8684

President Dennis Coons

CEO Ron Celaschi

Full-Time Employees 222

Part-Time Employees 13

Branch Locations 12

ATM Locations 16

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

1.72%

Return on Assets (ROA)

0.3053%

Return on Equity (ROE)

2.6880%

Non-Performing Loans Ratio (NPL)

0.29%

Total Assets

1,328,698,126

Total Amount of Shares and Deposits

1,185,447,443

Total Shares and Deposits < 1 Year

1,014,955,087

Total Shares and Deposits 1 3 Years

142,593,773

Total Shares and Deposits > 3 Years

27,898,583

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

140,002,174

Total Uninsured Shares and Deposits > $250K (F+J)

140,002,174

Total Insured Shares and Deposits > $250K (item 17 less item K)

1,045,445,269

Total Interest Expense (Sum of items 6 8)

6,186,434

Share Certificates

13,458

Number of Accounts for Share Drafts

42,558

IRA KEOGH Accounts

2,931

Number of Accounts for Regular Shares

91,662

All other shares

523

Money Market Shares

6,351

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

94,480,309

Total Liabilities

1,192,946,534

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

Patriot Federal Credit Union earned the Verified Healthy badge

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Customer Reviews

There are no reviews for Patriot Federal Credit Union yet. Feel free to create one below.

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About Patriot Federal Credit Union

How many branches does Patriot Federal Credit Union operate?

Patriot Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Patriot Federal Credit Union?

Yes, to access services at Patriot Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Patriot Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Patriot Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Patriot Federal Credit Union offer online and mobile banking?

Most modern institutions like Patriot Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.patriotfcu.org.

Current Patriot Federal Credit Union Rates

12-Month CD2.15%
18-Month CD3.40%
24-Month CD1.65%
60-Month CD2.15%
Savings0.20%
MMA1.00%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Patriot Federal Credit Union Rates & Review September 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Patriot Federal Credit Union Texas Ratio

Patriot Federal Credit Union Health Trend

Patriot Federal Credit Union CD Rates

Patriot Federal Credit Union Savings Rates

Patriot Federal Credit Union Money Market Rates

Patriot Federal Credit Union Checking Rates

Patriot Federal Credit Union Auto Loan Rates

Patriot Federal Credit Union Personal Loan Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Patriot Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Patriot Federal Credit Union

How many branches does Patriot Federal Credit Union operate?

Is a member application needed to join Patriot Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Patriot Federal Credit Union offer online and mobile banking?

Current Patriot Federal Credit Union Rates

Compare to Other Credit Unions