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Rates

Checking/Savings Accounts

Dividend Checking Account
Average Daily Balance	APY¹
¹APY=Annual Percentage Yield. Rates are variable and are subject to change at any time. Withdrawals and fees could reduce earnings. Minimum opening balance $2,500. Rates effective as of November 27, 2024 Learn more
Average Daily Balance $2,500-$20,000	APY¹ 2.50%
Average Daily Balance $20,000.01+	APY¹ 0.00%

Share Savings (Primary Share, Secondary Share, Escrow Share, Accumulative Roth/Traditional IRA Share)
Minimum Daily Balance	APY¹
¹APY=Annual Percentage Yield. Rates are variable and are subject to change at any time. Rates effective as of November 27, 2024 Learn more
Minimum Daily Balance $5	APY¹ 0.20%

Credit Union Insured Money Market Account (CUIMMA)
Minimum Daily Balance	APY¹
¹APY=Annual Percentage Yield. Rates are variable and are subject to change at any time. Rates effective as of November 27, 2024 Learn more
Minimum Daily Balance $2,500	APY¹ 1.00%
Minimum Daily Balance $10,000	APY¹ 1.15%
Minimum Daily Balance $25,000	APY¹ 1.35%
Minimum Daily Balance $100,000	APY¹ 1.65%
Minimum Daily Balance $250,000	APY¹ 1.85%

Christmas Club Share
Minimum Daily Balance	Disbursement	APY¹
¹APY=Annual Percentage Yield. Rates are variable and are subject to change at any time. Fee applies for early withdrawal. Rates effective as of November 27, 2024 Learn more
Minimum Daily Balance $0	Disbursement October 1st	APY¹ 0.20%

Vacation Club Share
Minimum Daily Balance	APY¹
¹APY=Annual Percentage Yield. Rates are variable and are subject to change at any time. Rates effective as of November 27, 2024 Learn more
Minimum Daily Balance $0	APY¹ 0.20%

Certificate Specials – Traditional IRA or Roth IRA

11 Month Share Certificate – Traditional IRA or Roth IRA
Minimum Balance	Tier	APY¹	Dividend Earnings²
¹APY=Annual Percentage Yield. Rates are subject to change without notice. Withdrawals and fees could reduce earnings. Penalty for early withdrawal. Other restrictions may apply. ²Dividend Earnings based on minimum tier balance Rates effective as of December 18, 2024 Learn more
Minimum Balance $10,000	Tier $10,000-$24,999	APY¹ 3.90%	Dividend Earnings² $363.37
Minimum Balance $25,000	Tier $25,000-$99,999	APY¹ 3.90%	Dividend Earnings² $908.42
Minimum Balance $100,000	Tier $100,000-$250,000	APY¹ 3.90%	Dividend Earnings² $3,633.66
Minimum Balance $250,000.01	Tier $250,000.01+	APY¹ 3.90%	Dividend Earnings² $9,084.16

19 Month Share Certificate – Traditional IRA or Roth IRA
Minimum Balance	Tier	APY¹	Dividend Earnings²
¹APY=Annual Percentage Yield. Rates are subject to change without notice. Withdrawals and fees could reduce earnings. Penalty for early withdrawal. Other restrictions may apply. ²Dividend Earnings based on minimum tier balance Rates effective as of November 27, 2024 Learn more
Minimum Balance $10,000	Tier $10,000-$24,999	APY¹ 4.25%	Dividend Earnings² $694.80
Minimum Balance $25,000	Tier $25,000-$99,999	APY¹ 4.25%	Dividend Earnings² $1,737.01
Minimum Balance $100,000	Tier $100,000-$250,000	APY¹ 4.25%	Dividend Earnings² $6,918.03
Minimum Balance $250,000.01	Tier $250,000.01+	APY¹ 4.25%	Dividend Earnings² $17,370.06

9 Month No Penalty Certificate – Traditional IRA or Roth IRA
Minimum Balance	Tier	APY¹	Dividend Earnings²
¹APY=Annual Percentage Yield. Rates are subject to change without notice. Other restrictions may apply. ²Dividend Earnings based on minimum tier balance. Rates effective as of November 27, 2024 Learn more
Minimum Balance $10,000	Tier $10,000-$24,999	APY¹ 2.45%	Dividend Earnings² $185.26
Minimum Balance $25,000	Tier $25,000-$99,999	APY¹ 2.45%	Dividend Earnings² $463.14
Minimum Balance $100,000	Tier $100,000-$250,000	APY¹ 2.50%	Dividend Earnings² $1,890.70
Minimum Balance $250,000.01	Tier $250,000.01+	APY¹ 2.55%	Dividend Earnings² $4,822.09

Certificate Accounts (3-24 Months) – Traditional IRA or Roth IRA

3 Month Share Certificate – Traditional IRA or Roth IRA
Minimum Balance	Tier	APY¹
¹APY=Annual Percentage Yield. Rates are subject to change without notice. Withdrawals and fees could reduce earnings. Penalty for early withdrawal. Other restrictions may apply. Rates effective as of November 27, 2024 Learn more
Minimum Balance $1,000	Tier $1,000-$9,999	APY¹ 1.50%
Minimum Balance $10,000	Tier $10,000-$24,999	APY¹ 1.60%
Minimum Balance $25,000	Tier $25,000-$99,999	APY¹ 1.60%
Minimum Balance $100,000	Tier $100,000-$250,000	APY¹ 1.65%
Minimum Balance $250,000.01	Tier $250,0001.01+	APY¹ 1.70%

6 Month Share Certificate – Traditional IRA or Roth IRA
Minimum Balance	Tier	APY¹
¹APY=Annual Percentage Yield. Rates are subject to change without notice. Withdrawals and fees could reduce earnings. Penalty for early withdrawal. Other restrictions may apply. Rates effective as of November 27, 2024 Learn more
Minimum Balance $1,000	Tier $1,000-$9,999	APY¹ 2.30%
Minimum Balance $10,000	Tier $10,000-$24,999	APY¹ 2.40%
Minimum Balance $25,000	Tier $25,000-$99,999	APY¹ 2.40%
Minimum Balance $100,000	Tier $100,000-$250,000	APY¹ 2.45%
Minimum Balance $250,000.01	Tier $250,000.01+	APY¹ 2.50%

12 Month Share Certificate – Traditional IRA or Roth IRA
Minimum Balance	Tier	APY¹	Dividend Earnings²
¹APY=Annual Percentage Yield. Rates are subject to change without notice. Withdrawals and fees could reduce earnings. Penalty for early withdrawal. Other restrictions may apply. ²Dividend Earnings based on minimum tier balance Rates effective as of November 27, 2024 Learn more
Minimum Balance $1,000	Tier $1,000-$9,999	APY¹ 2.40%	Dividend Earnings² $24.27
Minimum Balance $10,000	Tier $10,000-$24,999	APY¹ 2.50%	Dividend Earnings² $252.88
Minimum Balance $25,000	Tier $25,000-$99,999	APY¹ 2.50%	Dividend Earnings² $632.21
Minimum Balance $100,000	Tier $100,000-$250,000	APY¹ 2.55%	Dividend Earnings² $2,580.02
Minimum Balance $250,000.01	Tier $250,000.01+	APY¹ 2.60%	Dividend Earnings² $6,578.02

18 Month Share Certificate – Traditional IRA or Roth IRA
Minimum Balance	Tier	APY¹	Dividend Earnings²
¹APY=Annual Percentage Yield. Rates are subject to change without notice. Withdrawals and fees could reduce earnings. Penalty for early withdrawal. Other restrictions may apply. ²Dividend Earnings based on minimum tier balance Rates effective as of November 27, 2024 Learn more
Minimum Balance $1,000	Tier $1,000-$9,999	APY¹ 2.50%	Dividend Earnings² $38.17
Minimum Balance $10,000	Tier $10,000-$24,999	APY¹ 2.60%	Dividend Earnings² $397.27
Minimum Balance $25,000	Tier $25,000-$99,999	APY¹ 2.60%	Dividend Earnings² $993.17
Minimum Balance $100,000	Tier $100,000-$250,000	APY¹ 2.65%	Dividend Earnings² $4,050.50
Minimum Balance $250,000.01	Tier $250,000.01+	APY¹ 2.70%	Dividend Earnings² $10,320.98

24 Month Share Certificate – Traditional IRA or Roth IRA
Minimum Balance	Tier	APY¹	Dividend Earnings²
¹APY=Annual Percentage Yield. Rates are subject to change without notice. Withdrawals and fees could reduce earnings. Penalty for early withdrawal. Other restrictions may apply. ²Dividend Earnings based on minimum tier balance Rates effective as of November 27, 2024 Learn more
Minimum Balance $1,000	Tier $1,000-$9,999	APY¹ 2.80%	Dividend Earnings² $57.53
Minimum Balance $10,000	Tier $10,000-$24,999	APY¹ 2.90%	Dividend Earnings² $596.41
Minimum Balance $25,000	Tier $25,000-$99,999	APY¹ 2.90%	Dividend Earnings² $1,491.02
Minimum Balance $100,000	Tier $100,000-$250,000	APY¹ 2.95%	Dividend Earnings² $6,069.84
Minimum Balance $250,000.01	Tier $250,000.01+	APY¹ 3.00%	Dividend Earnings² $15,439.26

Certificate Accounts (30-60 Months) – Traditional IRA or Roth IRA

30 Month Share Certificate – Traditional IRA or Roth IRA
Minimum Balance	Tier	APY¹	Dividend Earnings²
¹APY=Annual Percentage Yield. Rates are subject to change without notice. Withdrawals and fees could reduce earnings. Penalty for early withdrawal. Other restrictions may apply. ²Dividend Earnings based on minimum tier balance. Rates effective as of November 27, 2024 Learn more
Minimum Balance $1,000	Tier $1,000-$9,999	APY¹ 4.15%	Dividend Earnings² $109.12
Minimum Balance $10,000	Tier $10,000-$24,999	APY¹ 4.25%	Dividend Earnings² $1,118.91
Minimum Balance $25,000	Tier $25,000-$99,999	APY¹ 4.25%	Dividend Earnings² $2,797.28
Minimum Balance $100,000	Tier $100,000-$250,000	APY¹ 4.30%	Dividend Earnings² $11,327.69
Minimum Balance $250,000.01	Tier $250,000.01+	APY¹ 4.35%	Dividend Earnings² $28,666.10

36 Month Share Certificate – Traditional IRA or Roth IRA
Minimum Balance	Tier	APY¹	Dividend Earnings²
¹APY=Annual Percentage Yield. Rates are subject to change without notice. Withdrawals and fees could reduce earnings. Penalty for early withdrawal. Other restrictions may apply. ²Dividend Earnings based on minimum tier balance Rates effective as of November 27, 2024 Learn more
Minimum Balance $1,000	Tier $1,000-$9,999	APY¹ 2.90%	Dividend Earnings² $90.78
Minimum Balance $10,000	Tier $10,000-$24,999	APY¹ 3.00%	Dividend Earnings² $940.51
Minimum Balance $25,000	Tier $25,000-$99,999	APY¹ 3.00%	Dividend Earnings² $2,351.29
Minimum Balance $100,000	Tier $100,000-$250,000	APY¹ 3.05%	Dividend Earnings² $9,568.96
Minimum Balance $250,000.01	Tier $250,000.01+	APY¹ 3.10%	Dividend Earnings² $24,332.53

48 Month Share Certificate – Traditional IRA or Roth IRA
Minimum Balance	Tier	APY¹	Dividend Earnings²
¹APY=Annual Percentage Yield. Rates are subject to change without notice. Withdrawals and fees could reduce earnings. Penalty for early withdrawal. Other restrictions may apply. ²Dividend Earnings based on minimum tier balance Rates effective as of November 27, 2024 Learn more
Minimum Balance $1,000	Tier $1,000-$9,999	APY¹ 4.15%	Dividend Earnings² $180.24
Minimum Balance $10,000	Tier $10,000-$24,999	APY¹ 4.25%	Dividend Earnings² $1,849.49
Minimum Balance $25,000	Tier $25,000-$99,999	APY¹ 4.25%	Dividend Earnings² $4,623.72
Minimum Balance $100,000	Tier $100,000-$250,000	APY¹ 4.30%	Dividend Earnings² $18,731.28
Minimum Balance $250,000.01	Tier $250,000.01+	APY¹ 4.35%	Dividend Earnings² $47,420.30

60 Month Share Certificate – Traditional IRA or Roth IRA
Minimum Balance	Tier	APY¹	Dividend Earnings²
¹APY=Annual Percentage Yield. Rates are subject to change without notice. Withdrawals and fees could reduce earnings. Penalty for early withdrawal. Other restrictions may apply. ²Dividend Earnings based on minimum tier balance Rates effective as of November 27, 2024 Learn more
Minimum Balance $1,000	Tier $1,000-$9,999	APY¹ 3.40%	Dividend Earnings² $185.02
Minimum Balance $10,000	Tier $10,000-$24,999	APY¹ 3.50%	Dividend Earnings² $1,909.43
Minimum Balance $25,000	Tier $25,000-$99,999	APY¹ 3.50%	Dividend Earnings² $4,773.57
Minimum Balance $100,000	Tier $100,000-$250,000	APY¹ 3.55%	Dividend Earnings² $19,391.52
Minimum Balance $250,000.01	Tier $250,000.01+	APY¹ 3.60%	Dividend Earnings² $49,223.70

Continuous Saver Certificate Accounts – Traditional IRA or Roth IRA

24 Month Continuous Saver Share Certificate – Traditional IRA or Roth IRA
Minimum Balance	Tier	APY¹	Dividend Earnings²
¹APY=Annual Percentage Yield. Rates are subject to change without notice. Withdrawals and fees could reduce earnings. Penalty for early withdrawal. Other restrictions may apply. ²Dividend Earnings based on minimum tier balance Rates effective as of November 27, 2024 Learn more
Minimum Balance $25	Tier $25-$999	APY¹ 1.65%	Dividend Earnings² $0.84
Minimum Balance $1,000	Tier $1,000-$9,999	APY¹ 1.70%	Dividend Earnings² $34.56
Minimum Balance $10,000	Tier $10,000-$24,999	APY¹ 1.75%	Dividend Earnings² $355.93
Minimum Balance $25,000	Tier $25,000-$99,999	APY¹ 1.75%	Dividend Earnings² $889.83
Minimum Balance $100,000	Tier $100,000-$250,000	APY¹ 1.80%	Dividend Earnings² $3,662.79
Minimum Balance $250,000.01	Tier $250,000.01+	APY¹ 1.85%	Dividend Earnings² $9,156.97

60 Month Continuous Saver Share Certificate – Traditional IRA or Roth IRA
Minimum Balance	Tier	APY¹	Dividend Earnings²
¹APY=Annual Percentage Yield. Rates are subject to change without notice. Withdrawals and fees could reduce earnings. Penalty for early withdrawal. Other restrictions may apply. ²Dividend Earnings based on minimum tier balance Rates effective as of November 27, 2024 Learn more
Minimum Balance $25	Tier $25-$999	APY¹ 2.15%	Dividend Earnings² $2.83
Minimum Balance $1,000	Tier $1,000-$9,999	APY¹ 2.20%	Dividend Earnings² $116.17
Minimum Balance $10,000	Tier $10,000-$24,999	APY¹ 2.25%	Dividend Earnings² $1,189.54
Minimum Balance $25,000	Tier $25,000-$99,999	APY¹ 2.25%	Dividend Earnings² $2,973.86
Minimum Balance $100,000	Tier $100,000-$250,000	APY¹ 2.30%	Dividend Earnings² $12,175.00
Minimum Balance $250,000.01	Tier $250,000.01+	APY¹ 2.35%	Dividend Earnings² $31,138.10

Vehicle Loans

Auto Loans (100% LTV¹)
Terms	APR² (as low as)
¹LTV=Loan to Value ²APR=Annual Percentage Rate (APR) shown is for applicant with credit scores 735 or higher. Based on vehicle model year and mileage. Up to 100% financing. Example: $10,000 loan, monthly payment will be $195.85 for 60 months at 6.54%. Rates may change without notice. All loans subject to credit approval. Rates effective as of December 18, 2024 Learn more
Terms Up to 63 months	APR² (as low as) 6.54%
Terms 64-75 months	APR² (as low as) 6.69%
Terms 76-84 months	APR² (as low as) 7.19%

Motorcycle, Camper, RV & Boat Loans (100% LTV¹)
Terms	APR² (as low as)
¹LTV=Loan to Value ²APR=Annual Percentage Rate (APR) shown is for applicant with credit scores 735 or higher. Based on vehicle model year and mileage. Up to 100% financing. Example: $10,000 loan, monthly payment will be $201.76 for 60 months at 7.79%. Rates may change without notice. All loans subject to credit approval. Rates effective as of December 18, 2024 Learn more
Terms Up to 63 months	APR² (as low as) 7.79%
Terms 64-75 months	APR² (as low as) 7.94%
Terms 76-84 months	APR² (as low as) 8.94%

Personal Loans

Personal/Signature Loans
Term	APR¹(as low as)
¹Annual Percentage Rate (APR) shown is for applicant with credit scores 735 or higher. 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. Rates effective as of November 27, 2024 Learn more
Term Flexible terms available	APR¹(as low as) 11.99%

Express Signature Loans
Term	Loan Amount	APR¹ (as low as)	Estimated Monthly Payment
¹Annual 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. Rates effective as of November 27, 2024 Learn more
Term 12 months	Loan Amount $1,000	APR¹ (as low as) 17.37%	Estimated Monthly Payment $89.55

Certificate Secured Loans
APR¹
¹APR=Annual Percentage Rate. Rates may change without notice. All loans subject to credit approval. Maturity of the loan must not precede the maturity of the certificate. Rates effective as of November 27, 2024 Learn more
APR¹ Certificate rate + 3.00%

Share Secured Variable Loans
APR*
*APR=Annual Percentage Rate. Rates may change without notice. All loans subject to credit approval. Rates effective as of November 27, 2024 Learn more
APR* Current dividend rate on regular shares + 4.00%

Personal Line of Credit
APR¹(as low as)
Annual Percentage Rate (APR) shown is for applicant with credit scores 735 or higher. This is a variable rate loan product and your payment and rate are subject to change. Rate based on the Wall Street Journal Prime Rate which was 7.50% as of 12/19/2024. Maximum 18% APR. Late payment fee of $35.00 or 5% of the minimum payment may apply. Rates and terms may change without notice. All loans subject to credit approval. Rates effective as of January 2, 2025 Learn more
APR¹(as low as) Prime + 3.00%

Home Equity Loans & Lines of Credit

Fixed Home Equity Loans
Term	LTV¹	APR² (as low as)
¹LTV=Loan to Value ²Annual Percentage Rate (APR) shown is a fixed rate for an applicant with credit scores 735 or higher. Other rates available for up to 90% financing. Example: $20,000.00 loan, monthly payment will be $388.89 for 60 months at 6.24%. The minimum loan amount is $7,500. $99 origination fee will apply. Maryland homeowners are responsible for Maryland government recordation tax, amounts vary per county and amount borrowed. Homeowners insurance required. Rates may change without notice. All loans subject to credit approval. Rates effective as of November 27, 2024 Learn more
Term 60 months	LTV¹ up to 70%	APR² (as low as) 5.99%
Term 60 months	LTV¹ 71-80%	APR² (as low as) 6.24%
Term 60 months	LTV¹ 81-90%	APR² (as low as) 6.99%
Term 120 months	LTV¹ up to 70%	APR² (as low as) 6.24%
Term 120 months	LTV¹ 71-80%	APR² (as low as) 6.49%
Term 120 months	LTV¹ 81-90%	APR² (as low as) 7.24%
Term 180 months	LTV¹ up to 70%	APR² (as low as) 6.74%
Term 180 months	LTV¹ 71-80%	APR² (as low as) 6.99%
Term 180 months	LTV¹ 81-90%	APR² (as low as) 7.74%

Flex Equity Line of Credit
LTV¹	APR² (as low as)
¹LTV = Loan To Value ²Annual Percentage Rate (APR) shown is for an applicant with a credit scores 735 or higher. Other rates are available for up to 90% financing. Rate based on the Wall Street Journal Prime Rate which was 7.50% as of 12/19/2024. This is a variable rate loan product and your payment and rate are subject to change. Maximum 17% APR. No floor rate on this product. Monthly payments may range from 0.5.% to 1.50% of the balance owed. Late payment fees of 5% of the monthly payment or $35.00 whichever is greater may apply. $7,500 minimum line of credit. $99 origination fee will apply. Maryland homeowners are responsible for Maryland government recordation tax, amounts vary per county and amount borrowed. Homeowners insurance required. Rates may change without notice. All loans subject to credit approval. Rates effective as of December 31, 2024 Learn more
LTV¹ up to 70%	APR² (as low as) 7.24%
LTV¹ 71-80%	APR² (as low as) 7.49%
LTV¹ 81-90%	APR² (as low as) 8.24%

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Disclosures

This credit union is federally insured by the National Credit Union Administration.
Equal Housing Lender