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Switch Accounts to Patriot for Better Rates and Fewer Fees
Become a Patriot Member
Did you know banking with a credit union offers many hidden benefits? At Patriot, you’ll enjoy lower loan rates, higher dividends on deposits, and personalized service from people you can trust. Joining us doesn’t just give you a place to bank—it pays off. Once you establish your eligibility for membership, simply open a Prime Share Savings Account with as little as $5 to take advantage of the wide array of products and services Patriot has to offer.
Enjoy the Patriot Credit Union Difference
Lower Fees
As a credit union, we offer lower fees compared to traditional banks, including reduced ATM fees.
Higher Savings Rates
Enjoy higher dividend rates on savings accounts, Share Certificates, and other products, which means you earn more as you save.
Better Loan Rates
We offer competitive rates on personal loans, auto loans, and mortgages, which means significant savings over the life of your loan.
Personalized Service
Since 1965, we’ve been dedicated to helping our community—and members—thrive. As a member, you’ll benefit from a team that understands your unique financial needs.
Member Benefits
As a credit union member, you have access to additional savings through Love My Credit Union Rewards. Click here to learn more.
Patriot Federal Credit Union vs. Banks
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Type of Organization
Type of Organization
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Who Can Join
Who Can Join
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Focused On
Focused On
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Deposits Federally Insured
Deposits Federally Insured
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Governance
Governance
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Interaction with Like Financial Institutions
Interaction with Like Financial Institutions
Patriot
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Type of Organization
Not-for-profit – Fewer Fees, Better Rates
As a not-for-profit financial cooperative, we return our profits to our members in the form of better rates, lower fees and greater service. -
Who Can Join
Members
Patriot’s membership is open to eligible individuals and their family members. -
Focused On
Community Members
We serve the needs of our membership and community by investing in local organizations working to make a difference.
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Deposits Federally Insured
NCUA Insured ($250k)
Your shares are insured by the National Credit Union Administration (NCUA) and are backed by the faith and credit of the United States Government.
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Governance
Member Owned
Each member has one vote and can exercise their voting rights to fill seats on the volunteer Board of Directors. The directors advocate for membership.
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Interaction with Like Financial Institutions
Cooperative
Credit Unions are financial cooperatives. That means we work together toward one common goal — helping our members prosper.
Banks
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Type of Organization
For-profit – More Fees, Less Favorable Rates
Traditional banking institutions primarily focus on generating profits for their shareholders with fewer added benefits. -
Who Can Join
Customers
You cannot join a bank, but anyone can be a customer. -
Focused On
Generating Revenue
Banks use the income to increase their shareholders’ earnings.
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Deposits Federally Insured
FDIC Insured ($250k)
At a bank, your deposits are insured by the Federal Deposit Insurance Corporation (FDIC) and are backed by the faith and credit of the United States Government.
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Governance
Stakeholder Owned
Banks are governed by their shareholders. Voting rights depend on the number of shares you own, leaving many regular customers out of decisions.
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Interaction with Like Financial Institutions
Competitive
Banks generally act independently because of their competition for your business.
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LanguageLine Solutions
Interpretation services available for assistance in over 240 languages.
At Patriot Federal Credit Union, we are dedicated to breaking down language barriers and ensuring effective communication for all our members. Our interpretation services ensure that language is never a barrier to success. Whether you go into a branch or call us, simply let us know what your language of preference is, and we’ll take care of the rest.
Our Members Love Us
— Julie D., WaynesboroWe are honored and lucky that we are members of Patriot. We thank you for your prompt service. We will surely recommend you. Keep up the good work and excellent service.
See How You’re Eligible to Join
Patriot Federal Credit Union membership is open to individuals, businesses, and organizations who live, work, worship, attend school, or regularly conduct business in…
- Franklin County, Pennsylvania
- Washington County, Maryland
- Frederick County, Maryland
- Berkeley County, West Virginia
- Jefferson County, West Virginia
- Morgan County, West Virginia
What You Need to Apply*
Eligibility
Check your eligibility to confirm that you’re in our field of membership.
Personal Identification
Have your unexpired government-issued driver’s license/state ID, or passport with current address ready.
Address
Make sure to have documentation to verify your current physical and mailing address if it is not correct on your ID.
SSN/ITIN & Date of Birth
We’ll also need other identifying information such as your Social Security Number or Tax Identification Number and date of birth to verify your new account.
Looking to open a business membership?
Here are the items you will need: MD Checklist | PA Checklist | WV Checklist
Due to documentation requirements, please visit a branch or call to schedule an appointment.
Join Patriot Today
Back to top Disclosures
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*To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.
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This credit union is federally insured by the National Credit Union Administration.
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Equal Housing Lender