Patriot Credit Union Hagerstown MD | Low Mortgage Rates & Business Banking

Introduction

Welcome to Patriot, your trusted partner in financial wellness located at 18721 Longmeadow Rd, Hagerstown, MD 21742. Established in 1965, we have proudly served our community for over five decades, growing to support 79,152 members with a commitment to exceptional service and innovative banking solutions. At Patriot, we understand that every dollar counts. That's why our total assets have reached an impressive $1,154,763,622, and we currently hold $113,949,911 in deposits. Our dedication to financial stability is reflected in our strong net worth of $135,130,077 and cash on hand amounting to $7,582,052. With a focus on fostering relationships within our community, we offer various services including personal banking, auto loans, mortgages, and business financing options tailored to meet your needs. Under the leadership of CEO Ron Celaschi and Board President Dennis Coons, our team of 217 employees is here to ensure you receive personalized attention and expert guidance. Whether you are looking to open a new account or apply for a loan, we invite you to explore our offerings at patriotfcu.org. While members can visit us at our branch location for all their banking needs, official correspondence should be directed to our mailing address: PO Box 778, Chambersburg, PA 17201. We look forward to welcoming you into the Patriot family! For questions or assistance, please call us at 717-263-4444. Join us today and discover how we can help you achieve your financial goals!

Branch History & Mission

Come Visit Us

While you can connect with us online or over the phone at 717-263-4444, we warmly invite you to visit us in person during our operating hours: - Lobby: Monday - Thursday from 8:30 AM - 4:30 PM; Friday from 8:30 AM - 7:00 PM; Saturday from 9:00 AM - Noon. - Drive-Thru: Monday - Wednesday from 8:30 AM - 6:00 PM; Thursday - Friday until closing. If you need official correspondence sent via mail, please use our mailing address at PO Box 778, Chambersburg, PA 17201. Join us at Patriot as we continue to grow together! Experience the benefits of being part of a community-focused credit union where your financial well-being is our top priority. Let's build a brighter future together!

Commitment to Innovation

As the world changes, so do we. Our branch embraces digital advancements to ensure that banking is convenient for everyone. With features like online banking, mobile payments, and electronic signatures available to our members, managing finances has never been easier. Plus, our commitment to accessibility means all our facilities comply with ADA standards.

Our Mission

At Patriot, our mission is simple yet profound: to provide exceptional financial services while fostering a spirit of community support. We focus on helping our members navigate their financial journeys through personal banking options like checking and savings accounts, auto loans, mortgages, and credit cards with rewards. But we don't stop there; we are committed to making a positive impact in Hagerstown and beyond. Our dedication extends beyond numbers and transactions; it's about building relationships. We actively engage in community outreach efforts and partnerships that uplift those around us. By supporting local initiatives and being involved in events, we strive to make a difference where it matters most.

Branch Location & Accessibility

Welcome to the Patriot Credit Union at our North Pointe Office! Conveniently located at 18721 Longmeadow Rd in Hagerstown, MD, our branch is here to serve you. Whether you're stopping by for personal banking or need assistance with loans and credit, we're dedicated to making your experience as smooth as possible. Our location is easy to find, nestled near local landmarks that make it a part of the community. You can expect ample parking and accessible features for all members, including ADA-compliant entrances. If you're in a rush, our drive-thru service ensures you can take care of transactions without leaving your car. We understand that your time is valuable. That's why we offer flexible operating hours: our lobby is open Monday through Thursday from 8:30 AM to 4:30 PM, and Fridays until 7:00 PM. On Saturdays, we welcome you from 9:00 AM to noon. Need cash? Our ATM is available for quick withdrawals and balance checks anytime. For official correspondence, please note that while you can visit us at the branch address, any mail should be sent to PO Box 778, Chambersburg, PA 17201. If you have any questions or need assistance, feel free to call us at 717-263-4444. We're excited to help you with your financial needs come visit us today!

Member Eligibility

At Patriot, we believe that becoming a member is like joining a close-knit family that supports one another. If you're looking to be part of our community, you'll find that eligibility is quite welcoming! To become a member, you simply need to meet certain criteria, which typically include residing, working, or worshiping in the local area. It's an inclusive process designed to help those within our community access the financial services they need. For detailed eligibility information, feel free to check out [this resource]. Joining Patriot opens the door to numerous advantages like competitive rates on loans and personalized service tailored just for you. We make the account opening process easy and straightforward simply visit us at our branch located at 18721 Longmeadow Rd Hagerstown Md 21742, or give us a call at (717) 263-4444 for any questions you might have. We can't wait to welcome you into our family!

Business Banking & Commercial Services

Merchant Services That Matter

We offer comprehensive merchant services that make payment processing easy and efficient for your business. Imagine having a reliable partner who provides tools for accepting payments seamlessly, whether you're running a storefront or an online shop. With our services, you can focus on what matters most growing your business while we handle the transactions. Located at 18721 Longmeadow Rd Hagerstown Md 21742, Hagerstown, MD 21742, our dedicated team is here to assist you every step of the way. Let's work together to turn your business goals into reality! For more information, call us at (717) 263-4444 or visit our website at https://www.patriotfcu.org/.

Tailored Loan Solutions

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.

Comprehensive List Of Services

ATM and Drive-Thru Services

Need cash quickly? Our ATM services allow for quick withdrawals and balance checks without stepping inside. For those who prefer personal interaction but want the efficiency of quick service, we have basic drive-thru banking available for deposits and withdrawals. At Patriot, we're here not just as a financial institution but as a partner in your financial journey. Our friendly staff is ready to assist you with any questions you may have regarding our diverse range of services. If you want to learn more about how we can help you achieve your financial goals or if you're ready to open an account, don't hesitate to reach out! Call us at (717) 263-4444 or visit us at North Pointe Office today. Let's take this journey together!

Convenient Digital Banking

In today's fast-paced world, convenience is key. That's why Patriot provides robust online and mobile banking features. With just a few taps on your smartphone or clicks on your computer, you can manage your account anytime, anywhere! Whether it's checking balances, transferring funds, or paying bills, our digital services make banking hassle-free.

Credit and Business Services

For our members who love rewards, check out our credit cards that offer cash back on everyday purchases. This means you can earn while spending on what you already buy! Additionally, if you're a business owner or planning to start a venture, our business banking services, including merchant services and business loans, can support your growth.

Home Financing Options

For those considering homeownership or refinancing, we provide mortgage loans tailored to fit different budgets. Our team can guide you through the process, ensuring you understand every step along the way. Plus, if you're looking to consolidate debt, our personal loans can help simplify your payments into one manageable amount.

Personal Banking Solutions

Managing your finances should be easy, and at Patriot, it is. We offer a variety of personal banking services, including checking and savings accounts that fit your lifestyle. Imagine having instant access to your funds while earning interest our accounts are designed just for that! If you're thinking about buying a new car, our auto loans and vehicle financing options are competitive and straightforward, making your dream ride more attainable.

Digital & Online Banking

Key Features

Our online banking platform allows you to view your account balances, transfer funds, and pay bills with just a few clicks. If you're on the go, our mobile application makes it even easier to manage your finances from your smartphone. And yes, we offer mobile payments too! You can make quick and secure transactions without needing cash or cards. For added convenience, we provide electronic signature authorization, allowing you to sign documents digitally no more printing and scanning! Plus, e-statements are available for those who prefer a paperless option, making it simple to keep track of your financial activity without clutter.

Secure and User-Friendly

Security is our top priority. Our online banking services are equipped with robust security measures to protect your information. You can rest assured knowing that your data is safe while you manage your accounts in real-time. Need to send money to a friend? Use our person-to-person transfer feature for instant transactions with just an email address or phone number. It's fast, easy, and secure! At Patriot, we're dedicated to providing accessible and user-friendly banking solutions. Whether you're checking your balance at home or transferring money while out shopping, our digital banking services empower you to take control of your financial life effortlessly.

Financial Strength

Commitment to Growth and Innovation

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. Our lending capacity supports members' financial goals across various sectors with $20,145 in used auto loans and $880,047,588 in total loans and leases.

Growing Member Base

Total Share Accounts stand at 150,304, showing a strong and growing member base that trusts us with their finances. Net Shares available for lending and investments amount to $473,262, demonstrating our readiness to support your financial needs. 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 18721 Longmeadow Rd Hagerstown Md 21742 or call (717) 263-4444 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings Options

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.

Operational Efficiency

Our financial performance is further illustrated by our $4,057,116, which reflects our operational efficiency. This enables us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 208 full-time employees and 9 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Solid Financial Health

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.

Loan Offering

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. Whether you're considering a new ride or a reliable used vehicle, our flexible financing options can make it happen.

Commercial Loans

For business owners, our outstanding commercial loans totaling $100,432,503 provide the capital needed to grow and expand. We understand that running a business comes with its own set of challenges, and we're here to support you every step of the way. At Patriot, we pride ourselves on our customer service and commitment to our members' success. If you're interested in learning more about our loan offerings or want to see if you're eligible for refinancing options, please don't hesitate to reach out! You can contact us at (717) 263-4444, or visit us at 18721 Longmeadow Rd Hagerstown Md 21742, Hagerstown, MD. For more information about applying for a loan, please visit our website at https://www.patriotfcu.org/. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Credit Lines and Unsecured Credit Cards

Managing day-to-day expenses can sometimes be challenging. That's why we offer total credit lines of $289,220,487 and flexible terms on unsecured credit card loans, with a total of $14,686,186 in loans helping members manage their finances effectively. These products are designed to give you the financial freedom you need when unexpected expenses arise.

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 provide competitive rates and terms that can fit within your budget. Plus, if you're looking to refinance an existing mortgage, we have options available to help lower your payments.

Loan Aggregator

Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency and trustworthiness. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results that serve the best interests of users. - Real-Time Rate Comparisons: The platform provides up-to-date loan rates from multiple institutions, allowing users to quickly assess their options. Thousands of users trust LendMesh for 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 impact on real people's finances. Compare real-time loan offers today at LendMesh and find the best rates for your needs. 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 - Hagerstown, MD

Type of Loan Offerings

Home Equity Loans

Personal Loans

Student Loans

Vehicle Loans

Compare Loan Rates Near You

Loan rates in Hagerstown, MD (21742)