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 Patriot Federal Credit Union Rates & Review April 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: April 18, 2026
Patriot Federal Credit Union's 36 Month CD - Traditional IRA or Roth IRA rates are at 3.70%, 36 Month CD - Traditional IRA or Roth IRA rates are at 3.65%, 36 Month CD - Traditional IRA or Roth IRA rates are at 3.60%, 8 Month CD rates are at 3.60%, 36 Month CD - Traditional IRA or Roth IRA rates are at 3.50%. 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 9.75%. 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 1.86%. Rates were last updated on 04/18/2026. 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. Patriot Federal Credit Union
Corporate Office 800 Wayne Ave
https://www.patriotfcu.org Chambersburg, PA 17201 3810 
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
Methodology & Data SourcesMonitorBankRates 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
209
Part-Time Employees
12
Branch Locations
12
ATM Locations
20
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
1.86%
Return on Assets (ROA)
0.6910%
Return on Equity (ROE)
5.9819%
Non-Performing Loans Ratio (NPL)
0.28%
Total Assets
1,251,772,881
Total Amount of Shares and Deposits
1,113,468,649
Total Shares and Deposits < 1 Year
911,573,716
Total Shares and Deposits 1 3 Years
147,685,678
Total Shares and Deposits > 3 Years
54,209,255
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
127,958,375
Total Uninsured Shares and Deposits > $250K (F+J)
127,958,375
Total Insured Shares and Deposits > $250K (item 17 less item K)
985,510,274
Total Interest Expense (Sum of items 6 8)
17,002,199
Share Certificates
12,637
Number of Accounts for Share Drafts
41,804
IRA KEOGH Accounts
2,922
Number of Accounts for Regular Shares
90,762
All other shares
541
Non Member Deposits
5
Money Market Shares
6,063
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
108,796,178
Total Liabilities
1,121,630,925
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Patriot Federal Credit UnionIs Patriot Federal Credit Union a safe place to deposit money?Yes, Patriot Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 1.8556556269859%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. 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
Retrieved from our database of financial products. Rates subject to change.
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