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: 2.00%

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Patriot Federal Credit Union

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Patriot Federal Credit Union Rates & Review October 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: October 13, 2026

Patriot Federal Credit Union's top rates as of October 13, 2026 are 4.60% APY on its 48 Month CD, 0.20% APY on savings, 2.00% APY on money market accounts, 2.50% APY on checking, and personal loans from 11.99% APR, according to rates verified by MonitorBankRates. Other Patriot Federal Credit Union CD rates include 60 Month CD at 4.60%, 48 Month CD at 4.55%, and 60 Month CD at 4.55%. 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 1.50%. Rates last updated and verified on 10/13/2026.

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 Q2 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

1.50%

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

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Patriot Federal Credit Union CD Rates

Product	Rate	APY	Term
48 Month Share Certificate	-	4.60%	48 months
Min Balance $250,000 Details Balance: $250,000.01+; Savings Certificate, Traditional IRA or Roth IRA; Dividend Earnings based on minimum tier balance Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 4.60% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.50%
60 Month Share Certificate	-	4.60%	60 months
Min Balance $250,000 Details Balance: $250,000.01+; Savings Certificate, Traditional IRA or Roth IRA; Rates effective as of September 16, 2026 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.60% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.50%
48 Month Share Certificate	-	4.55%	48 months
Min Balance $100,000 Details Balance: $100,000-$250,000; Savings Certificate, Traditional IRA or Roth IRA; Dividend Earnings based on minimum tier balance Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 4.55% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.50%
60 Month Share Certificate	-	4.55%	60 months
Min Balance $100,000 Details Balance: $100,000-$250,000; Savings Certificate, Traditional IRA or Roth IRA; Rates effective as of September 16, 2026 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.55% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.50%
36 Month Share Certificate	-	4.50%	36 months
Min Balance $250,000 Details Balance: $250,000.01+; Savings Certificate, Traditional IRA or Roth IRA; Dividend Earnings based on minimum tier balance; Rates effective as of September 16, 2026 Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 4.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.50%
48 Month Share Certificate	-	4.50%	48 months
Min Balance $10,000 Details Balance: $10,000-$24,999; Savings Certificate, Traditional IRA or Roth IRA; Dividend Earnings based on minimum tier balance Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 4.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.50%
48 Month Share Certificate	-	4.50%	48 months
Min Balance $25,000 Details Balance: $25,000-$99,999; Savings Certificate, Traditional IRA or Roth IRA; Dividend Earnings based on minimum tier balance Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 4.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.50%
60 Month Share Certificate	-	4.50%	60 months
Min Balance $10,000 Details Balance: $10,000-$24,999; Savings Certificate, Traditional IRA or Roth IRA; Rates effective as of September 16, 2026 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.50% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.50%
60 Month Share Certificate	-	4.50%	60 months
Min Balance $25,000 Details Balance: $25,000-$99,999; Savings Certificate, Traditional IRA or Roth IRA; Rates effective as of September 16, 2026 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.50% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.50%
36 Month Share Certificate	-	4.45%	36 months
Min Balance $100,000 Details Balance: $100,000-$250,000; Savings Certificate, Traditional IRA or Roth IRA; Dividend Earnings based on minimum tier balance; Rates effective as of September 16, 2026 Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 4.45% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.50%
36 Month Share Certificate	-	4.40%	36 months
Min Balance $10,000 Details Balance: $10,000-$24,999; Savings Certificate, Traditional IRA or Roth IRA; Dividend Earnings based on minimum tier balance; Rates effective as of September 16, 2026 Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 4.40% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.50%
36 Month Share Certificate	-	4.40%	36 months
Min Balance $25,000 Details Balance: $25,000-$99,999; Savings Certificate, Traditional IRA or Roth IRA; Dividend Earnings based on minimum tier balance; Rates effective as of September 16, 2026 Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 4.40% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.50%
48 Month Share Certificate	-	4.40%	48 months
Min Balance $1,000 Details Balance: $1,000-$9,999; Savings Certificate, Traditional IRA or Roth IRA; Dividend Earnings based on minimum tier balance Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 4.40% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.50%
60 Month Share Certificate	-	4.40%	60 months
Min Balance $1,000 Details Balance: $1,000-$9,999; Savings Certificate, Traditional IRA or Roth IRA; Rates effective as of September 16, 2026 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.40% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.50%
24 Month Share Certificate	-	4.30%	24 months
Min Balance $250,000 Details Balance: $250,000.01+; Also available as Savings Certificate, Traditional IRA or Roth IRA; Dividend Earnings $24,409.71; Rates effective as of September 15, 2026 Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 4.30% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.50%
36 Month Share Certificate	-	4.30%	36 months
Min Balance $1,000 Details Balance: $1,000-$9,999; Savings Certificate, Traditional IRA or Roth IRA; Dividend Earnings based on minimum tier balance; Rates effective as of September 16, 2026 Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 4.30% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.50%
24 Month Share Certificate	-	4.25%	24 months
Min Balance $100,000 Details Balance: $100,000-$250,000; Also available as Savings Certificate, Traditional IRA or Roth IRA; Dividend Earnings $8,855.36; Rates effective as of September 15, 2026 Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 4.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.50%
24 Month Share Certificate	-	4.20%	24 months
Min Balance $10,000 Details Balance: $10,000-$24,999; Also available as Savings Certificate, Traditional IRA or Roth IRA; Dividend Earnings $874.69; Rates effective as of September 15, 2026 Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 4.20% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.50%
24 Month Share Certificate	-	4.20%	24 months
Min Balance $25,000 Details Balance: $25,000-$99,999; Also available as Savings Certificate, Traditional IRA or Roth IRA; Dividend Earnings $2,186.73; Rates effective as of September 15, 2026 Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 4.20% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.50%
30 Month Share Certificate	-	4.15%	30 months
Min Balance $250,000 Details Balance: $250,000.01 and over; Savings Certificate, Traditional IRA or Roth IRA; Rates effective as of September 2, 2026 Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 4.15% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.50%
15 Month Share Certificate	-	4.10%	15 months
Min Balance $10,000 Details Balance: $10,000-$24,999; Dividend Earnings: $524.94; Savings Certificate, Traditional IRA or Roth IRA; Rates effective as of September 16, 2026; Penalty for early withdrawal Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 4.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.50%
15 Month Share Certificate	-	4.10%	15 months
Min Balance $25,000 Details Balance: $25,000-$99,999; Dividend Earnings: $1,312.35; Savings Certificate, Traditional IRA or Roth IRA; Rates effective as of September 16, 2026; Penalty for early withdrawal Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 4.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.50%
15 Month Share Certificate	-	4.10%	15 months
Min Balance $100,000 Details Balance: $100,000-$250,000; Dividend Earnings: $5,249.41; Savings Certificate, Traditional IRA or Roth IRA; Rates effective as of September 16, 2026; Penalty for early withdrawal Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 4.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.50%
15 Month Share Certificate	-	4.10%	15 months
Min Balance $250,000 Details Balance: $250,000.01+; Dividend Earnings: $13,123.52; Savings Certificate, Traditional IRA or Roth IRA; Rates effective as of September 16, 2026; Penalty for early withdrawal Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 4.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.50%
24 Month Share Certificate	-	4.10%	24 months
Min Balance $1,000 Details Balance: $1,000-$9,999; Also available as Savings Certificate, Traditional IRA or Roth IRA; Dividend Earnings $85.30; Rates effective as of September 15, 2026 Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 4.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.50%
30 Month Share Certificate	-	4.10%	30 months
Min Balance $100,000 Details Balance: $100,000 - $250,000; Savings Certificate, Traditional IRA or Roth IRA; Rates effective as of September 2, 2026 Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 4.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.50%
30 Month Share Certificate	-	4.05%	30 months
Min Balance $10,000 Details Balance: $10,000 - $24,999; Savings Certificate, Traditional IRA or Roth IRA; Rates effective as of September 2, 2026 Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 4.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.50%
30 Month Share Certificate	-	4.05%	30 months
Min Balance $25,000 Details Balance: $25,000 - $99,999; Savings Certificate, Traditional IRA or Roth IRA; Rates effective as of September 2, 2026 Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 4.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.50%
30 Month Share Certificate	-	3.95%	30 months
Min Balance $1,000 Details Balance: $1,000 - $9,999; Savings Certificate, Traditional IRA or Roth IRA; Rates effective as of September 2, 2026 Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 3.95% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.50%
8 Month Share Certificate	-	3.80%	8 months
Min Balance $10,000 Details Balance: $10,000-$24,999; Dividend Earnings: $256.16; Dividend Earnings based on minimum tier balance; Penalty for early withdrawal; Not available in IRA Last Updated 10/13/2026 Rate History No change since Sep 29, 2026 · 3.80% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.50%
8 Month Share Certificate	-	3.80%	8 months
Min Balance $25,000 Details Balance: $25,000-$99,999; Dividend Earnings: $640.40; Dividend Earnings based on minimum tier balance; Penalty for early withdrawal; Not available in IRA Last Updated 10/13/2026 Rate History No change since Sep 29, 2026 · 3.80% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.50%
8 Month Share Certificate	-	3.80%	8 months
Min Balance $100,000 Details Balance: $100,000-$250,000; Dividend Earnings: $2,561.59; Dividend Earnings based on minimum tier balance; Penalty for early withdrawal; Not available in IRA Last Updated 10/13/2026 Rate History No change since Sep 29, 2026 · 3.80% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.50%
8 Month Share Certificate	-	3.80%	8 months
Min Balance $250,000 Details Balance: $250,000.01+; Dividend Earnings: $6,403.97; Dividend Earnings based on minimum tier balance; Penalty for early withdrawal; Not available in IRA Last Updated 10/13/2026 Rate History No change since Sep 29, 2026 · 3.80% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.50%
18 Month Share Certificate	-	3.60%	18 months
Min Balance $250,000 Details Balance: $250,000.01+; Eligible for Savings Certificate, Traditional IRA or Roth IRA; Dividend Earnings based on minimum tier balance Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 3.60% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.50%
18 Month Share Certificate	-	3.55%	18 months
Min Balance $100,000 Details Balance: $100,000-$250,000; Eligible for Savings Certificate, Traditional IRA or Roth IRA; Dividend Earnings based on minimum tier balance Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 3.55% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.50%
18 Month Share Certificate	-	3.50%	18 months
Min Balance $10,000 Details Balance: $10,000-$24,999; Eligible for Savings Certificate, Traditional IRA or Roth IRA; Dividend Earnings based on minimum tier balance Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 3.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.50%
18 Month Share Certificate	-	3.50%	18 months
Min Balance $25,000 Details Balance: $25,000-$99,999; Eligible for Savings Certificate, Traditional IRA or Roth IRA; Dividend Earnings based on minimum tier balance Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 3.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.50%
18 Month Share Certificate	-	3.40%	18 months
Min Balance $1,000 Details Balance: $1,000-$9,999; Eligible for Savings Certificate, Traditional IRA or Roth IRA; Dividend Earnings based on minimum tier balance Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 3.40% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.50%
12 Month Share Certificate	-	2.35%	12 months
Min Balance $250,000 Details Balance: $250,000.01+; Dividend Earnings: $5,938.69; Penalty for early withdrawal; Also available as Savings Certificate, Traditional IRA or Roth IRA; Rates effective as of September 2, 2026 Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 2.35% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.50%
60 Month Continuous Saver Share Certificate	-	2.35%	60 months
Min Balance $250,000 Details Balance: $250,000.01+; Available for Savings Certificate, Traditional IRA or Roth IRA Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 2.35% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.50%
12 Month Share Certificate	-	2.30%	12 months
Min Balance $100,000 Details Balance: $100,000-$250,000; Dividend Earnings: $2,324.40; Penalty for early withdrawal; Also available as Savings Certificate, Traditional IRA or Roth IRA; Rates effective as of September 2, 2026 Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 2.30% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.50%
60 Month Continuous Saver Share Certificate	-	2.30%	60 months
Min Balance $100,000 Details Balance: $100,000-$250,000; Available for Savings Certificate, Traditional IRA or Roth IRA Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 2.30% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.50%
9 Month No Penalty Certificate	-	2.30%	9 months
Min Balance $250,000 Details Balance: $250,000.01+; Dividend Earnings: $4,345.71; Available as Savings Certificate, Traditional IRA or Roth IRA Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 2.30% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.50%
12 Month Share Certificate	-	2.25%	12 months
Min Balance $10,000 Details Balance: $10,000-$24,999; Dividend Earnings: $227.33; Penalty for early withdrawal; Also available as Savings Certificate, Traditional IRA or Roth IRA; Rates effective as of September 2, 2026 Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 2.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.50%
12 Month Share Certificate	-	2.25%	12 months
Min Balance $25,000 Details Balance: $25,000-$99,999; Dividend Earnings: $568.34; Penalty for early withdrawal; Also available as Savings Certificate, Traditional IRA or Roth IRA; Rates effective as of September 2, 2026 Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 2.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.50%
6 Month Share Certificate	-	2.25%	6 months
Min Balance $250,000 Details Balance: $250,000.01+; Savings Certificate, Traditional IRA or Roth IRA; Penalty for early withdrawal Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 2.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.50%
60 Month Continuous Saver Share Certificate	-	2.25%	60 months
Min Balance $25,000 Details Balance: $25,000-$99,999; Available for Savings Certificate, Traditional IRA or Roth IRA Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 2.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.50%
60 Month Continuous Saver Share Certificate	-	2.25%	60 months
Min Balance $10,000 Details Balance: $10,000-$24,999; Available for Savings Certificate, Traditional IRA or Roth IRA Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 2.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.50%
9 Month No Penalty Certificate	-	2.25%	9 months
Min Balance $100,000 Details Balance: $100,000-$250,000; Dividend Earnings: $1,700.21; Available as Savings Certificate, Traditional IRA or Roth IRA Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 2.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.50%
6 Month Share Certificate	-	2.20%	6 months
Min Balance $100,000 Details Balance: $100,000-$250,000; Savings Certificate, Traditional IRA or Roth IRA; Penalty for early withdrawal Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 2.20% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.50%
60 Month Continuous Saver Share Certificate	-	2.20%	60 months
Min Balance $1,000 Details Balance: $1,000-$9,999; Available for Savings Certificate, Traditional IRA or Roth IRA Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 2.20% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.50%
9 Month No Penalty Certificate	-	2.20%	9 months
Min Balance $10,000 Details Balance: $10,000-$24,999; Dividend Earnings: $166.22; Available as Savings Certificate, Traditional IRA or Roth IRA Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 2.20% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.50%
9 Month No Penalty Certificate	-	2.20%	9 months
Min Balance $25,000 Details Balance: $25,000-$99,999; Dividend Earnings: $415.54; Available as Savings Certificate, Traditional IRA or Roth IRA Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 2.20% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.50%
12 Month Share Certificate	-	2.15%	12 months
Min Balance $1,000 Details Balance: $1,000-$9,999; Dividend Earnings: $21.71; Penalty for early withdrawal; Also available as Savings Certificate, Traditional IRA or Roth IRA; Rates effective as of September 2, 2026 Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 2.15% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.50%
6 Month Share Certificate	-	2.15%	6 months
Min Balance $10,000 Details Balance: $10,000-$24,999; Savings Certificate, Traditional IRA or Roth IRA; Penalty for early withdrawal Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 2.15% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.50%
6 Month Share Certificate	-	2.15%	6 months
Min Balance $25,000 Details Balance: $25,000-$99,999; Savings Certificate, Traditional IRA or Roth IRA; Penalty for early withdrawal Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 2.15% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.50%
60 Month Continuous Saver Share Certificate	-	2.15%	60 months
Min Balance $25 Details Balance: $25-$999; Available for Savings Certificate, Traditional IRA or Roth IRA Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 2.15% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.50%
6 Month Share Certificate	-	2.05%	6 months
Min Balance $1,000 Details Balance: $1,000-$9,999; Savings Certificate, Traditional IRA or Roth IRA; Penalty for early withdrawal Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 2.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.50%
24 Month Continuous Saver Share Certificate	-	1.85%	24 months
Min Balance $250,000 Details Balance: $250,000.01+; Dividend Earnings: $9,156.97; Savings Certificate, Traditional IRA or Roth IRA; Penalty for early withdrawal Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 1.85% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.50%
24 Month Continuous Saver Share Certificate	-	1.80%	24 months
Min Balance $100,000 Details Balance: $100,000-$250,000; Dividend Earnings: $3,662.79; Savings Certificate, Traditional IRA or Roth IRA; Penalty for early withdrawal Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 1.80% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.50%
24 Month Continuous Saver Share Certificate	-	1.75%	24 months
Min Balance $10,000 Details Balance: $10,000-$24,999; Dividend Earnings: $355.93; Savings Certificate, Traditional IRA or Roth IRA; Penalty for early withdrawal Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 1.75% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.50%
24 Month Continuous Saver Share Certificate	-	1.75%	24 months
Min Balance $25,000 Details Balance: $25,000-$99,999; Dividend Earnings: $889.83; Savings Certificate, Traditional IRA or Roth IRA; Penalty for early withdrawal Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 1.75% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.50%
24 Month Continuous Saver Share Certificate	-	1.70%	24 months
Min Balance $1,000 Details Balance: $1,000-$9,999; Dividend Earnings: $34.56; Savings Certificate, Traditional IRA or Roth IRA; Penalty for early withdrawal Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 1.70% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.50%
3 Month Share Certificate	-	1.70%	3 months
Min Balance $250,000 Details Balance: $250,000.01+; Also available as Savings Certificate, Traditional IRA or Roth IRA; Rates effective as of September 2, 2026 Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 1.70% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.50%
24 Month Continuous Saver Share Certificate	-	1.65%	24 months
Min Balance $25 Details Balance: $25-$999; Dividend Earnings: $0.84; Savings Certificate, Traditional IRA or Roth IRA; Penalty for early withdrawal Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 1.65% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.50%
3 Month Share Certificate	-	1.65%	3 months
Min Balance $100,000 Details Balance: $100,000-$250,000; Also available as Savings Certificate, Traditional IRA or Roth IRA; Rates effective as of September 2, 2026 Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 1.65% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.50%
3 Month Share Certificate	-	1.60%	3 months
Min Balance $10,000 Details Balance: $10,000-$24,999; Also available as Savings Certificate, Traditional IRA or Roth IRA; Rates effective as of September 2, 2026 Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 1.60% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.50%
3 Month Share Certificate	-	1.60%	3 months
Min Balance $25,000 Details Balance: $25,000-$99,999; Also available as Savings Certificate, Traditional IRA or Roth IRA; Rates effective as of September 2, 2026 Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 1.60% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.50%
3 Month Share Certificate	-	1.50%	3 months
Min Balance $1,000 Details Balance: $1,000-$9,999; Also available as Savings Certificate, Traditional IRA or Roth IRA; Rates effective as of September 2, 2026 Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 1.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.50%

Patriot Federal Credit Union Savings Rates

Product	Rate	APY
Club Account Share	-	0.20%
Min Balance $0 Details Minimum Daily Balance: $0; Disbursement: October 1st; Rates effective as of October 5, 2026 Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 0.20% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.50%
Share Savings	-	0.20%
Min Balance $5 Details Applies to Primary Share, Secondary Share, Escrow Share, Accumulative Roth/Traditional IRA Share; Minimum Daily Balance $5; Rates effective as of September 2, 2026 Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 0.20% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.50%

Patriot Federal Credit Union Money Market Rates

Product	Rate	APY
Credit Union Insured Money Market Account (CUIMMA)	-	2.00%
Min Deposit $1,000 Min Balance $250,000 Details Balance: Minimum Daily Balance $250,000; Rates effective as of September 28, 2026 Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 1.75% → 2.00% ▲ 0.25 pts · high 2.00% / low 1.75% Oct 13, 20262.00%▲ from 1.75% Sep 14, 20261.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.50%
Credit Union Insured Money Market Account (CUIMMA)	-	1.70%
Min Deposit $1,000 Min Balance $100,000 Details Balance: Minimum Daily Balance $100,000; Rates effective as of September 28, 2026 Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 1.55% → 1.70% ▲ 0.15 pts · high 1.70% / low 1.55% Oct 13, 20261.70%▲ from 1.55% Sep 14, 20261.55%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.50%
Credit Union Insured Money Market Account (CUIMMA)	-	1.40%
Min Deposit $1,000 Min Balance $25,000 Details Balance: Minimum Daily Balance $25,000; Rates effective as of September 28, 2026 Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 1.25% → 1.40% ▲ 0.15 pts · high 1.40% / low 1.25% Oct 13, 20261.40%▲ from 1.25% Sep 14, 20261.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.50%
Credit Union Insured Money Market Account (CUIMMA)	-	1.20%
Min Deposit $1,000 Min Balance $10,000 Details Balance: Minimum Daily Balance $10,000; Rates effective as of September 28, 2026 Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 1.10% → 1.20% ▲ 0.10 pts · high 1.20% / low 1.10% Oct 13, 20261.20%▲ from 1.10% Sep 14, 20261.10%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.50%
Credit Union Insured Money Market Account (CUIMMA)	-	1.10%
Min Deposit $1,000 Min Balance $2,500 Details Balance: Minimum Daily Balance $2,500; Rates effective as of September 28, 2026 Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 1.00% → 1.10% ▲ 0.10 pts · high 1.10% / low 1.00% Oct 13, 20261.10%▲ from 1.00% Sep 14, 20261.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.50%

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 Balance: $2,500-$25,000; Rates effective as of September 2, 2026 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 2.50% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.50%

Patriot Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Loans (100% LTV)	-	-	6.44%	Up to 63 months
Details As Low As; APR shown is for applicant with credit scores 735 or higher. Based on vehicle model year and mileage. Up to 100% financing. Rates effective as of September 15, 2026 Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 6.44% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.50%
Auto Loans (100% LTV)	-	-	6.59%	64-75 months
Details As Low As; APR shown is for applicant with credit scores 735 or higher. Based on vehicle model year and mileage. Up to 100% financing. Rates effective as of September 15, 2026 Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 6.59% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.50%
Auto Loans (100% LTV)	-	-	7.09%	76-84 months
Details As Low As; APR shown is for applicant with credit scores 735 or higher. Based on vehicle model year and mileage. Up to 100% financing. Rates effective as of September 15, 2026 Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 7.09% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.50%

Patriot Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Motorcycle, Camper, RV & Boat Loans (100% LTV)	-	7.69%	Up to 63 months
Details As Low As; APR shown for applicant with credit scores 735 or higher; Up to 100% financing; Rates effective as of September 16, 2026 Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 7.39% → 7.69% ▲ 0.30 pts · high 7.69% / low 7.39% Sep 17, 20267.69%▲ from 7.39% Sep 14, 20267.39%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.50%
Motorcycle, Camper, RV & Boat Loans (100% LTV)	-	7.84%	64-75 months
Details As Low As; APR shown for applicant with credit scores 735 or higher; Up to 100% financing; Rates effective as of September 16, 2026 Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 7.54% → 7.84% ▲ 0.30 pts · high 7.84% / low 7.54% Sep 17, 20267.84%▲ from 7.54% Sep 14, 20267.54%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.50%
Motorcycle, Camper, RV & Boat Loans (100% LTV)	-	8.84%	76-84 months
Details As Low As; APR shown for applicant with credit scores 735 or higher; Up to 100% financing; Rates effective as of September 16, 2026 Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 8.54% → 8.84% ▲ 0.30 pts · high 8.84% / low 8.54% Sep 17, 20268.84%▲ from 8.54% Sep 14, 20268.54%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.50%

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; APR shown is for applicant with credit scores 735 or higher; Rates apply to new loans to Patriot; Rates effective as of September 2, 2026 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 11.99% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.50%
Express Signature Loans	17.37%	12 months
Details As Low As; Loan Amount: $1,000 (minimum loan amount); $20.00 processing fee; Interest rate stated in footnote: 13.50% Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 17.37% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.50%

Patriot Federal Credit Union Other Rates

Product	Rate	Points	APY/APR
Flex Equity Line of Credit	-	-	6.49%
Details As Low As; LTV: up to 70%; Variable rate based on WSJ Prime (7.00% as of 9/17/2026); Maximum 17% APR; No floor rate; $7,500 minimum line of credit; $99 origination fee; APR shown for credit scores 735 or higher Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 6.49% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.50%
Flex Equity Line of Credit	-	-	6.74%
Details As Low As; LTV: 71-80%; Variable rate based on WSJ Prime (7.00% as of 9/17/2026); Maximum 17% APR; No floor rate; $7,500 minimum line of credit; $99 origination fee; APR shown for credit scores 735 or higher Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 6.49% → 6.74% ▲ 0.25 pts · high 6.74% / low 6.49% Oct 5, 20266.74%▲ from 6.49% Sep 14, 20266.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.50%
Flex Equity Line of Credit	-	-	7.49%
Details As Low As; LTV: 81-90%; Variable rate based on WSJ Prime (7.00% as of 9/17/2026); Maximum 17% APR; No floor rate; $7,500 minimum line of credit; $99 origination fee; APR shown for credit scores 735 or higher Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 6.49% → 7.49% ▲ 1.00 pts · high 7.49% / low 6.49% Oct 5, 20267.49%▲ from 6.49% Sep 14, 20266.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.50%

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.
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Financial Health History

Patriot Federal Credit Union’s Texas Ratio stayed near 1.89% in Q3 2023 to 1.50% in Q2 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 — this credit union’s entire history sits far below the 15% threshold 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 Grade

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
June 30, 2026	$1.3B	1.50%	5.0	A+
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+

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 224

Part-Time Employees 15

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

1.50%

Return on Assets (ROA)

0.5325%

Return on Equity (ROE)

4.6317%

Non-Performing Loans Ratio (NPL)

0.26%

Total Assets

1,339,537,591

Total Amount of Shares and Deposits

1,192,786,285

Total Shares and Deposits < 1 Year

991,965,542

Total Shares and Deposits 1 3 Years

174,520,803

Total Shares and Deposits > 3 Years

26,299,940

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

141,603,969

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

141,603,969

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

1,051,182,316

Total Interest Expense (Sum of items 6 8)

12,338,529

Share Certificates

13,446

Number of Accounts for Share Drafts

42,955

IRA KEOGH Accounts

2,928

Number of Accounts for Regular Shares

92,119

All other shares

518

Money Market Shares

6,494

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)

89,111,672

Total Liabilities

1,201,119,149

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Patriot Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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Customer Reviews

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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%
MMA2.00%

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

Compare to Other Credit Unions

Patriot Federal Credit Union Rates & Review October 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 RV, Boat and Powersport Loan Rates

Patriot Federal Credit Union Personal Loan Rates

Patriot Federal Credit Union Other 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