Patriot Credit Union Frederick MD | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Patriot, your trusted credit union located at 5099 Corporate Dr, Frederick, MD 21703. Established in 1965, we have been dedicated to serving our community for over five decades. With a total membership of 79,152 and assets exceeding $1.15 billion, we pride ourselves on providing financial solutions that meet the diverse needs of our members. At Patriot, we believe in the power of community. Our commitment is reflected not just in our impressive financial figures like our total deposits of $113,949,911 and net worth of $135,130,077 but also in the relationships we build with each member. Under the leadership of our CEO Ron Celaschi and Board President Dennis Coons, our team of 217 employees works tirelessly to ensure you receive personalized service and support. While members can visit us at our branch location, official correspondence should be sent to our mailing address: 5099 Corporate Dr, Frederick, MD 21703-8399. Whether you're looking for personal banking options like checking accounts, auto loans, or mortgages, or business banking services such as merchant services and business loans, we have you covered. We understand that life can be unpredictable. That's why we're here to provide you with secure financial products tailored to your unique situation. With total loans amounting to 44,438, we're ready to assist you on your financial journey. Ready to take the next step? Contact us today at 717-267-4444 or visit our website at patriotfcu.org to learn more about how we can help you achieve your financial goals!

Branch History & Mission

Welcome to Patriot, a cornerstone of the Frederick community since our doors first opened in 1965. Located at 5099 Corporate Dr, Frederick, MD 21703, we have built a legacy of trust and service that has grown alongside our members. With a total membership now exceeding 79,152, we are proud to be a part of so many lives, offering financial solutions tailored to individual needs. From our humble beginnings, Patriot has evolved into a robust credit union with total assets reaching an impressive $1,154,763,622. Our commitment to providing accessible banking options is reflected in our various services, including checking and savings accounts, auto loans, mortgages, personal loans, and business banking. We also embrace modern convenience with features like online banking and mobile payments. At the heart of our mission is the desire to empower our community financially while fostering a sense of belonging among our members. We believe in supporting local initiatives and engaging with the community through outreach programs that make a real difference. Our mission is not just about banking; it's about building lasting relationships and contributing positively to Frederick's growth. Our branch offers both lobby and drive-thru services for your convenience. We invite you to visit us during our operating hours: Monday through Thursday from 8:30 AM to 5:30 PM, Friday from 8:30 AM to 7:00 PM, and Saturday from 8:30 AM to 1:00 PM. You can also reach us at 717-267-4444 for any questions or assistance you may need. While members can visit us at 5099 Corporate Dr, official correspondence should be sent to our mailing address at 5099 Corporate Dr, Frederick, MD 21703-8399. As we look toward the future, we remain dedicated to enhancing the member experience through digital advancements and customer-centric initiatives. Whether you're seeking financing for a new vehicle or looking to open your first savings account, Patriot is here for you every step of the way. Join us today and become part of a credit union that values your financial journey as much as you do! Experience the benefits of membership with Patriot where your goals are our priority. Visit our website to learn more or apply for a loan today!

Branch Location & Accessibility

Accessibility Features

At Patriot, we believe everyone should have access to their financial needs. Our branch is fully ADA compliant, featuring ramps and accessible entrances to ensure that all members can visit us comfortably.

Location Highlights

Nestled near popular spots like the Francis Scott Key Mall and just a short drive from downtown Frederick, our branch is easy to reach whether you're commuting or simply out running errands. With ample parking available, accessing our services is a breeze.

Operating Hours

Our doors are open for you! We offer flexible operating hours: from Monday to Thursday, we're here from 8:30 AM to 5:30 PM; on Friday, we extend our hours until 7:00 PM; and on Saturday, we welcome you from 8:30 AM to 1:00 PM. We're closed on Sundays so our team can recharge and be ready to assist you during the week.

Services Offered

Whether you need help with personal banking, loans, or business services, we've got you covered. You can take advantage of our drive-thru service for quick transactions like deposits and withdrawals without leaving your vehicle. Plus, with an ATM readily available on-site, accessing your funds is simple and straightforward. If you ever need to get in touch with us for any inquiries or assistance, feel free to call us at 717-267-4444. Our dedicated team is always here to help! So why wait? Come visit us at the Patriot Ballenger Creek Branch today and discover how we can support your financial journey!

Member Eligibility

At Patriot, we believe that becoming a member is not just about opening an account; it's about joining a supportive community that cares for your financial well-being. If you're looking to become part of our family, you'll find the process welcoming and straightforward. Generally, anyone who lives, works, worships, or attends school in our local area can apply for membership. We're committed to serving our members with personalized services tailored to meet their unique needs. For more specific details on eligibility, feel free to check out this resource which outlines everything you need to know. Opening an account at Patriot is easy! Simply visit us at 5099 Corporate Dr Frederick Md 21703, or give us a call at (717) 267-4444 for assistance. Our friendly team is here to guide you through each step of the process and answer any questions you might have. We can't wait to welcome you into our community!

Business Banking & Commercial Services

Financing Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $246 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $2 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $100,432,503, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

Imagine a busy Saturday at your retail store. Customers line up to make purchases but wait because you don't have a reliable payment system. Our merchant services ensure smooth transactions, allowing you to focus on what matters most serving your customers. Located conveniently at 5099 Corporate Dr Frederick Md 21703 in Frederick, MD, we are here to help local businesses like yours succeed. Contact us today at (717) 267-4444 and discover how our services can empower your business goals!

Comprehensive List Of Services

Business Banking Services

For entrepreneurs and businesses in our community, we offer tailored business banking solutions, including merchant services and business loans. We understand that running a business comes with challenges, so we're dedicated to providing support that helps you thrive.

Convenient Access & Support

At Patriot, convenience is key. Our branch features ATM services for quick cash withdrawals and balance checks without stepping inside the bank. Additionally, our basic drive-thru banking allows you to make deposits or withdrawals without leaving your car. Our friendly staff is always ready to assist during lobby hours: Monday through Thursday from 8:30 AM to 5:30 PM; Friday until 7:00 PM; and Saturday from 8:30 AM to 1:00 PM. You can reach us at (717) 267-4444 if you have any questions or need assistance. In today's fast-paced world, managing your finances should be easy. That's why we invite you to explore all the services available at Ballenger Creek Branch and see how we can help meet your financial goals. Visit us today or check out our website at https://www.patriotfcu.org/ for more information!

Personal Banking Solutions

Navigating your finances can be overwhelming, but with our personal banking services, it doesn't have to be. We offer flexible checking and savings accounts designed for everyday needs. Imagine having access to your money anytime, anywhere through our robust online and mobile banking platforms. You can easily check balances, transfer funds, and pay bills all from your phone. If you're considering buying a new car or refinancing your current vehicle, our auto loans and vehicle financing options are competitive and tailored just for you. We understand how important reliable transportation is for daily life, which is why we strive to make the loan process as smooth as possible. Looking for something more substantial? Our mortgage loans and refinancing solutions can help turn your dream home into a reality. We're here to guide you through the process of securing the best rate available.

Personal Loans & Credit Options

Life has its ups and downs, and sometimes unexpected expenses pop up. That's where our personal loans and debt consolidation options come into play. Whether it's for home repairs or consolidating credit card debt, we offer loans that fit your unique situation. Plus, our credit cards with rewards give you benefits that help you save on everyday purchases.

Digital & Online Banking

Key Features of Our Online Banking

With our online banking platform, accessible at https://www.patriotfcu.org/, you can take control of your accounts with just a few clicks. Whether you're checking your balance, transferring funds, or paying bills, our user-friendly interface ensures that every task is straightforward and efficient. Plus, with 24/7 access, you can manage your finances whenever it suits you. We also prioritize your security. Our electronic signature authorization feature allows you to sign important documents safely online. This means no more trips to the branch for paperwork everything can be done from the comfort of your home.

Mobile Banking Made Simple

For those on the go, our mobile application provides all the features you love about online banking right at your fingertips. With this app, you can send person-to-person payments easily, making splitting bills or sending gifts a breeze. Plus, enjoy the convenience of mobile payments so you can shop without needing cash or cards. You'll also benefit from e-statements, which not only help reduce paper clutter but also provide an eco-friendly way to keep track of your transactions. You can access these statements whenever needed, ensuring you're always informed about your financial status. In a world where convenience meets security, Patriot is here to support all your banking needs with our comprehensive digital services. Join us today and experience banking that works for you!

Financial Strength

Committed Team

We also take pride in having 208 full-time employees and 9 part-time employees. This dedicated team ensures our branches are always ready to serve you with knowledge and commitment. With a total of 150,304 deposit accounts, it's clear that our growing member base trusts us with their finances. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Patriot is your trusted partner. Visit us at 5099 Corporate Dr Frederick Md 21703 or call (717) 267-4444 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings

Members' savings are secured through $366,166,328 in share certificates and $178,139,880 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $3,477,000, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Reinvesting for Better Services

With $131,635,840 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. This dedication allows us to support your financial journey effectively.

Solid Foundation

With a net worth of $135,130,077, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 11.68% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Supporting Your Goals

Our lending capacity is robust with $20,145 in used auto loans and $880,047,588 in total loans and leases. This means we are well-equipped to help you achieve your financial goals across various sectors. Our operational efficiency is reflected in our $4,057,116, enabling us to continue offering competitive loan rates and solid financial products for our members.

Loan Offering

Additional Services

In addition to these offerings, we have a variety of financing options available for personal loans and debt consolidation. If you're considering refinancing existing loans or exploring eligibility options for any of our products, we're here to help guide you through the process. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. For any questions or assistance regarding our loan offerings, feel free to contact us at (717) 267-4444 or visit us at our location: 5099 Corporate Dr Frederick Md 21703 in Frederick, MD. Our team is ready to support you on your financial journey!

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $332,359,256 in used vehicle loans and $178,265,226 in new vehicle loans already helping members get on the road. We provide flexible terms and quick approval processes to ensure you can drive away in your desired vehicle without hassle.

Business Loans

For business owners, our outstanding commercial loans totaling $100,432,503 provide the capital needed to grow and expand your business. We understand the unique challenges businesses face and strive to offer competitive rates and personalized service.

Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $14,686,186 in loans helping members manage their finances effectively. Our credit cards come with rewards and benefits that can assist you in making everyday purchases more manageable.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $65,865,853, make buying or refinancing simple. We offer various mortgage solutions tailored to meet your individual needs, making it easier for you to secure your dream home.

Loan Aggregator

Accurate Loan Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov). This ensures that all comparisons are fair and transparent, allowing users to make informed decisions about their financing options.

Benefits of Using LendMesh

- Verified Data: Loan offers come from legitimate financial institutions, ensuring transparency and trustworthiness in the information provided. - No Sponsored Listings: Unlike other platforms that may prioritize lenders based on paid promotions, LendMesh focuses solely on delivering unbiased results. Every user sees the same comparisons based on real-time data. - Real-Time Rate Comparisons: Users benefit from up-to-date loan rates across multiple institutions. This feature enables them to compare offers quickly and efficiently, making it easier to choose the right loan for their needs. Thousands of users trust LendMesh for their loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Such testimonials highlight the platform's effectiveness in connecting borrowers with better loan options. Take the first step towards finding the best rates for your needs. Compare real-time loan offers today at LendMesh. Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.

PATRIOT FEDERAL CREDIT UNION - Frederick, MD

Type of Loan Offerings

Home Equity Loans

Personal Loans

Student Loans

Vehicle Loans

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