Patriot Credit Union Chambersburg PA | Affordable Vehicle Loans & Business Banking

Introduction

Welcome to Patriot, your trusted financial partner in Chambersburg, PA. Located at 800 Wayne Ave, our branch has been serving the community since 1965, helping members achieve their financial goals with a personal touch. With over 79,152 members and total assets exceeding $1.15 billion, we take pride in being a cornerstone of support for families and businesses alike. At Patriot, we understand that each member has unique needs, which is why we offer a wide range of services including checking and savings accounts, auto loans, mortgage options, and business banking solutions. Our commitment to you goes beyond just numbers; it's about fostering relationships built on trust and reliability. With total deposits reaching $113,949,911 and a net worth of $135,130,077, our solid financial foundation ensures that your money is safe with us. Led by our dedicated CEO, Ron Celaschi, and Board President, Dennis Coons, our team of 217 employees is here to provide personalized service every step of the way. Whether you're visiting us for an auto loan or managing your account online, we strive to make your experience seamless and enjoyable. While members can visit us at 800 Wayne Ave, official correspondence should be sent to our mailing address: P.O. Box 778, Chambersburg, PA 17201-3810. We invite you to explore our website at www.patriotfcu.org for more information about our products and services. Join us today and discover how Patriot can help you navigate your financial journey with confidence. Feel free to call us at 717-263-4444; we're excited to assist you!

Branch History & Mission

At Patriot, we are proud of our rich legacy and the journey we've undertaken since our establishment. Opened in 1965, our branch located at 800 Wayne Ave, Chambersburg, PA 17201 has grown alongside the community it serves. Over the years, we have welcomed 79,152 members, each one contributing to a vibrant community that reflects shared values and aspirations. Our mission is straightforward yet profound: to provide accessible financial services while fostering a supportive environment for our members. We believe that everyone deserves the opportunity to achieve their financial goals, whether it's securing an auto loan, starting a business, or planning for retirement. With total assets amounting to an impressive $1,154,763,622, we have the resources needed to support our members' diverse needs. We pride ourselves on being more than just a financial institution; we are a cornerstone of the Chambersburg community. Our commitment extends beyond banking services we actively engage in various outreach initiatives aimed at enhancing the lives of those around us. Our partnerships with local organizations help us address vital community issues and promote financial literacy among residents. While you can reach us at our physical location at 800 Wayne Ave, official correspondence can be sent to our mailing address: P.O. Box 778, Chambersburg, PA 17201-3810. We are dedicated to maintaining accessibility for all members. Our lobby hours are designed for your convenience: Monday through Thursday from 8:30 a.m. to 4:30 p.m., and Friday until 7:00 p.m. In addition to traditional banking hours, we offer ATM services for easy access to your funds anytime you need them. Although we currently do not have drive-thru banking or shared service centers, we prioritize digital advancements to enhance your experience this includes online banking and mobile payment options. We invite you to become part of the Patriot family and experience firsthand how we can support your financial journey. Join us today and discover the difference of being part of a credit union that truly cares about its members and their communities. For more information or assistance, feel free to call us at 717-263-4444 or visit our website at Patriot FCU. Together, let's build a brighter financial future!

Branch Location & Accessibility

Welcome to Patriot Credit Union, conveniently located at 800 Wayne Ave in beautiful Chambersburg, PA! Our branch is easy to find and offers a welcoming atmosphere for all your banking needs. Nestled near local landmarks, including the vibrant downtown area and just a short drive from the Franklin County Court House, our location is perfect for both residents and visitors. At Patriot, we prioritize accessibility. Our branch features ADA-compliant entrances and ramps, ensuring everyone can visit us with ease. Parking is readily available, making your trip hassle-free. If you need assistance or have questions about our services, feel free to reach out at 717-263-4444; our friendly staff is always happy to help! Our operating hours are designed to accommodate your busy schedule. You can visit us Monday through Wednesday from 8:30 a.m. to 4:30 p.m., Thursday from 8:30 a.m. to 4:30 p.m., and Friday until 7:00 p.m. We're also open on Saturdays from 8:30 a.m. to noon for those who prefer weekend banking. While you can easily handle transactions at our branch, we also offer ATM services for quick cash withdrawals and balance checks whenever you need them. Although we do not have drive-thru banking available, our dedicated team is here to provide personalized service inside the lobby. For official correspondence, please send mail to P.O. Box 778, Chambersburg, PA 17201-3810. We invite you to stop by Patriot Credit Union today! Whether you're looking for personal banking solutions like checking accounts and auto loans or business banking services, we have everything you need right here under one roof. Your financial journey starts with us!

Member Eligibility

Joining the Patriot community means stepping into a world of support and opportunity! At Patriot, located at 800 Wayne Ave Chambersburg Pa 17201, we believe that everyone deserves access to quality financial services. Membership is open to anyone who lives, works, worships, or attends school in our local area, making it easy for you to become part of our family. We're here to help you with everything from personal banking to loans and financial advice tailored just for you. To explore all the specifics about eligibility and see if you're ready to join, visit our detailed resource at . Plus, when you're ready to take the next step in your financial journey, opening an account is a breeze! Simply check out our account opening details at https://www.patriotfcu.org/apply-for-loan/ or give us a call at (717) 263-4444. We can't wait to welcome you!

Business Banking & Commercial Services

Financing Your Growth

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 That Work for You

In addition to loans, our merchant services are designed to streamline your operations. Imagine being able to process payments quickly and securely, giving your customers a smooth shopping experience. With our services, you can accept various payment methods and manage your transactions efficiently all while focusing on what matters most: growing your business. Located conveniently at 800 Wayne Ave Chambersburg Pa 17201 in Chambersburg, PA, we invite you to explore how our tailored business banking solutions can help you thrive. For more information or to get started, contact us at (717) 263-4444.

Comprehensive List Of Services

Accessing Your Funds

For quick access to cash, we provide easy access through our ATM services. With basic ATM access for withdrawals and balance checks available at our location, getting cash when needed is hassle-free. At Patriot, we're proud to support our community with these comprehensive financial services designed for every member's unique journey. If you're ready to explore how we can assist you in achieving your financial goals or if you have any questions about our offerings, don't hesitate to reach out! Call us at (717) 263-4444 or visit us today at 800 Wayne Ave Chambersburg Pa 17201. Join us in building a brighter financial future together!

Business Banking

If you're a business owner, our business banking services, including merchant services and business loans, are designed to support your growth. We understand the challenges businesses face and strive to provide solutions that help you thrive.

Credit Cards

Looking for a credit card that rewards your spending? Our credit cards with rewards allow you to earn points or cash back on every purchase making every dollar count towards something special.

Digital Banking

In today's fast-paced world, convenience is key. That's why we offer robust online and mobile banking features so you can manage your finances anytime, anywhere. From checking balances and transferring funds to paying bills on the go, our digital tools ensure that banking is always at your fingertips.

Home Financing

For those dreaming of homeownership, we have got you covered with our mortgage loans and refinancing options. Whether it's your first home or you're looking to refinance an existing mortgage for better rates, our experts can guide you through the process, ensuring that you find the best solution for your situation.

Personal Banking

When it comes to personal banking, we offer various options designed to fit different lifestyles. Our checking and savings accounts provide a solid foundation for managing day-to-day finances while helping you save for future needs. Need financing for a new car? Our auto loans and vehicle financing options make it easy to drive off with your dream vehicle without breaking the bank.

Personal Loans

Life can throw unexpected expenses your way, which is why we offer personal loans and debt consolidation solutions. These flexible options can help you manage bills more effectively and reduce stress as you regain control over your finances.

Digital & Online Banking

Enhanced Payment Options

For those quick transactions between friends or family, our person-to-person transfer feature makes sending money simple and fast. And if you're looking for a modern way to pay for purchases, our mobile payments option allows you to use your phone at checkout, adding even more convenience to your daily life. With all these features wrapped in a secure environment, you can manage your finances confidently. Whether you're at home or out running errands, Patriot ensures that your banking needs are just a tap away. Join us today and discover how easy banking can be!

Key Features

Our online banking platform allows you to check balances, transfer funds, and pay bills with just a few clicks. You can also take advantage of electronic signature authorization, making it easier than ever to sign documents securely from the comfort of your home. We know that staying organized is crucial for our members. That's why we provide e-statements, so you can view your account statements online whenever you need them no more paper clutter! Plus, if you're always on the go, our mobile application gives you full access to your accounts right from your smartphone.

Financial Strength

Conclusion

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 800 Wayne Ave Chambersburg Pa 17201 or call (717) 263-4444 to learn more about how we can help you achieve your financial goals.

Member Savings and Deposits

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. 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 $20,145 in used auto loans and $880,047,588 in total loans and leases support our members' financial goals across various sectors.

Operational Efficiency

Our operations reflect efficiency with a net income of $0, enabling 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. Our total share accounts stand at 150,304, showing a strong and growing member base that trusts us with their finances. This trust is fundamental to our mission as a credit union dedicated to serving you better every day.

Our 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. This solid foundation is essential for our ability to serve you now and in the future. Our net worth ratio of $1,168 demonstrates a solid capital base. This means we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. It's this commitment that makes us a reliable choice for your financial needs.

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. We offer flexible terms and refinancing options to fit your budget.

Business Loans

For business owners, our outstanding commercial loans totaling $100,432,503 provide the capital needed to grow and expand. We are dedicated to supporting local businesses and can work with you on tailored financing solutions.

Credit Lines

Additionally, our total credit lines amounting to $289,220,487 give you access to funds when you need them most, making it easier to manage cash flow and expenses. At Patriot, we strive to make borrowing as straightforward as possible. If you're interested in any of our loan products or want more information about eligibility options, feel free to reach out! You can call us at (717) 263-4444 or visit us at our branch located at 800 Wayne Ave Chambersburg Pa 17201 in Chambersburg, PA. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Let us help you find the right financial solution today!

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. Whether you're a first-time homebuyer or looking to refinance your existing mortgage, we can help you navigate the process smoothly.

Unsecured 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. These credit cards provide an easy way to handle unexpected expenses while allowing you to earn rewards on your purchases.

Loan Aggregator

Finding the best loan rates can be overwhelming. LendMesh simplifies this process by providing real-time, unbiased comparisons of mortgage, auto, and personal loan rates from verified financial institutions. With a commitment to transparency and reliability, LendMesh stands out as a trusted resource for borrowers seeking the most favorable lending options. LendMesh ensures accurate loan comparisons by sourcing data 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 guarantees that users receive fair and transparent offers when exploring their loan options. The benefits of using LendMesh are clear: - Verified Data: All loan offers come from legitimate financial institutions, ensuring that users can trust the information presented. - No Sponsored Listings: Unlike many comparison tools, LendMesh does not prioritize lenders based on paid promotions. The goal is to deliver unbiased results that reflect the best options available. - Real-Time Rate Comparisons: Users have access to up-to-date loan rates from multiple institutions, empowering them to make informed decisions about their borrowing needs. Thousands of users trust LendMesh for their loan comparisons. One member shared their experience: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This testimonial illustrates the effectiveness of LendMesh in helping individuals secure better financial outcomes. 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