Patriot Credit Union Waynesboro PA | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Patriot, your trusted financial partner at the Waynesboro Financial Services Center! Located conveniently at 10933 Buchanan Trl E, Waynesboro, PA 17268, we've been serving our community since 1965. With a commitment to providing exceptional service and support, we proudly serve over 79,152 members who rely on us for their financial needs. At Patriot, we take pride in our robust financial health, with total assets of $1,154,763,622 and total deposits reaching $113,949,911. Our dedication to member satisfaction is reflected in our strong net worth of $135,130,077, which ensures that we can continue to provide valuable services to you and your family. Whether you're looking for personal banking solutions or business loans, we have tailored options just for you. Our expert team is led by CEO Ron Celaschi and Board President Dennis Coons, who work tirelessly to ensure that our members receive top-notch service. With a total of 217 employees, we are ready to assist you with everything from checking and savings accounts to auto loans and mortgage refinancing. While members can visit us at 10933 Buchanan Trl E, official correspondence should be sent to our mailing address: P.O. Box 778, Chambersburg, PA 17201. If you're looking for reliable banking services in Waynesboro or have any questions about what we offer, please don't hesitate to call us at 717-263-4444. We invite you to explore our website at www.patriotfcu.org for more information on how we can help you achieve your financial goals. Join us today and experience the difference that a member-focused credit union can make!

Branch History & Mission

Community Commitment

Patriot's impact goes beyond just banking; it extends into the heart of our community. We actively engage in partnerships with local organizations and participate in outreach programs that support education and financial literacy initiatives. Our drive-thru banking services and ATM availability provide convenience for those on the move.

Join Us

As we continue to grow and adapt to the needs of our members, we invite you to join our credit union family. Experience firsthand the benefits of being part of a community-focused institution that prioritizes your financial well-being. Together, let's build a brighter future! For more information about our services or to become a member today, call us at 717-263-4444 or visit us online at Patriot Federal Credit Union.

Our Mission

Our mission is simple yet profound: to empower our members through exceptional financial services while fostering a strong sense of community. We believe that everyone deserves access to quality financial products and personalized service. Whether you're looking for checking accounts, auto loans, or business banking solutions, we are here to help you achieve your goals. While members can visit us at 10933 Buchanan Trl E Waynesboro Pa 17268, official correspondence should be sent to P.O. Box 778, Chambersburg, PA 17201. As technology advances, so do we. Our digital banking options ensure that you can manage your finances on the go with ease and security. We are committed to maintaining ADA compliance so that all members can benefit from our services without barriers.

Branch Location & Accessibility

Welcome to the Patriot Financial Services Center, conveniently located at 10933 Buchanan Trl E in Waynesboro, PA. This friendly branch is here to serve your banking needs with easy access and a welcoming atmosphere. Whether you're a long-time member or new to our community, we're excited to assist you in achieving your financial goals. Nestled in Franklin County, our branch is close to several local landmarks, making it easy to stop by while you're out and about. With ample parking available, you can visit us without any hassle. We also prioritize accessibility, ensuring that everyone can enjoy our services comfortably. Our lobby hours are designed with your convenience in mind: we're open from 8:30 AM to 4:30 PM on Monday through Wednesday and Thursday, with extended hours until 7 PM on Friday. On Saturdays, we welcome you from 8:30 AM until noon. If you prefer drive-thru service, we have that too! Our drive-thru operates Monday through Wednesday from 8 AM to 6 PM and extends until 7 PM on Thursdays and Fridays. For those who need quick cash or wish to check their balance on the go, we offer ATM services right at our location. We aim to make banking as straightforward as possible with our range of personal and business banking services. From checking and savings accounts to auto loans and mortgages, we've got something for everyone. If you need assistance or have questions about your account, feel free to give us a call at 717-263-4444. Our dedicated team is here for you! While members can visit us at our Waynesboro branch address, official correspondence should be sent to P.O. Box 778, Chambersburg, PA 17201. We invite you to come see us soon at the Patriot Financial Services Center your community credit union where your needs come first!

Member Eligibility

At Patriot, we believe that everyone deserves to be part of a community where they can thrive. Becoming a member is simple and welcoming. If you live, work, worship, or attend school in the Waynesboro area, you're likely eligible to join us! This means that whether you're a local resident or just passing through, you can take advantage of our supportive financial services designed with your needs in mind. To get started, all you need to do is visit our website for more details on eligibility. You'll find everything you need to know about becoming a valued member of our community. Once you're ready to take the next step, opening an account is easy! Just head over to our account opening page at https://www.patriotfcu.org/apply-for-loan/, where you'll find straightforward instructions to guide you through the process. If you have any questions or need assistance, feel free to call us at (717) 263-4444. We're here to help you every step of the way as you join the Patriot family at our branch located at 10933 Buchanan Trl E Waynesboro Pa 17268. Welcome aboard!

Business Banking & Commercial Services

Practical Merchant Services

Imagine having a partner that simplifies your payment processing. Our merchant services enable you to accept various payment methods seamlessly. This means more convenience for your customers and less hassle for you. Whether you're at a brick-and-mortar location or selling online, we equip you with tools that keep your cash flow steady. Visit us at 10933 Buchanan Trl E Waynesboro Pa 17268 in Waynesboro, PA or call us at (717) 263-4444 to learn how we can support your business journey!

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

Auto Loans and Financing

Thinking about purchasing a new vehicle? Our Auto Loans & Vehicle Financing services offer competitive rates and flexible terms to help you drive off in the car of your dreams. We also provide financing for used vehicles, making it easy for you to find a solution that works for your budget.

Business Banking Solutions

For entrepreneurs and small business owners, we offer comprehensive Business Banking solutions including merchant services and business loans. We believe in supporting local businesses because they are the backbone of our community.

Convenient Access and Support

In addition to all these great services, we also provide essential features like ATM & Cash Withdrawal Services and basic drive-thru banking for quick deposits and withdrawals. Our friendly staff is always available during lobby hours Monday through Saturday to assist with any questions you may have. At Patriot, we prioritize convenience and accessibility. Our modern banking tools allow you to manage your finances from the comfort of home or on-the-go. For more information about any of these services or to become a member today, don't hesitate to reach out! Call us at (717) 263-4444 or visit us online at Waynesboro Financial Services Center. Your financial journey begins here!

Credit Cards with Rewards

With our Credit Cards with Rewards, every purchase gets you closer to exciting rewards and benefits. Imagine earning points on your everyday spending that you can redeem for travel, merchandise, or even cash back!

Home Financing Options

For those considering homeownership or refinancing their current mortgage, our Mortgage Loans & Refinancing options are designed to suit various financial situations. Whether you're a first-time buyer or looking to lower your monthly payments, our knowledgeable staff will guide you through the process.

Personal Banking Solutions

Managing your day-to-day finances is made easy with our Personal Banking options. You can open a checking or savings account that fits your lifestyle. Imagine being able to access your funds anytime, anywhere through our robust Online & Mobile Banking services. With features like e-statements and mobile payments, keeping track of your money has never been simpler.

Personal Loans and Debt Management

Sometimes life throws unexpected expenses our way. Our Personal Loans & Debt Consolidation services can help ease financial burdens by consolidating multiple debts into one manageable payment. This way, you can focus on what truly matters without the stress of juggling different bills.

Digital & Online Banking

Key Features

Our online banking experience is enhanced by features like electronic signatures for quick document approvals. Say goodbye to printing and mailing forms just sign electronically and you're all set! Plus, e-statements are readily available, allowing you to view your account activity in a secure and environmentally friendly way. For those who prefer mobile banking, our dedicated mobile application offers a seamless experience. You can make mobile payments effortlessly, ensuring that you can pay for purchases without fumbling for cash or cards. Additionally, our person-to-person transfer feature lets you send money to friends and family in real-time, making splitting bills or sending gifts simple and hassle-free. Your security is a top priority at Patriot. We use advanced encryption technology to keep your information safe while providing easy access to your accounts. With our digital banking tools, managing your money becomes straightforward and stress-free. Whether you're checking your balance during lunch or transferring funds late at night, our digital banking services are here to support you every step of the way. Experience the ease of managing your finances with us today!

Financial Strength

Commitment to Growth

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 is robust, supporting 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: 150,304, showing a strong and growing member base that trusts us with their finances. This reflects not only our commitment to serving our community but also the trust placed in us by our valued members. 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 10933 Buchanan Trl E Waynesboro Pa 17268 or call (717) 263-4444 to learn more about how we can help you achieve your financial goals.

Operational Efficiency

Our operational efficiency shines through with a net income of $4,057,116, 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.

Secure 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.

Solid Financial 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.

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 financing a new model or a reliable used car, our team is ready to help you find the right loan option that fits your budget.

Commercial Loans

For business owners, our outstanding commercial loans totaling $100,432,503 provide the capital needed to grow and expand. Whether you're looking to invest in new equipment or need funds for operational costs, we are here to support local businesses and foster economic growth within our community. Our dedicated staff at Patriot, located at 10933 Buchanan Trl E Waynesboro Pa 17268, Waynesboro, PA, is available by phone at (717) 263-4444 for any questions you may have regarding our loan products or the application 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. Explore how we can assist you today visit us online at https://www.patriotfcu.org/ or stop by our branch!

Credit Lines and Unsecured Loans

For those needing flexibility, our total credit lines amounting to $289,220,487 can be a perfect solution for managing expenses or funding unexpected costs. 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. This gives you the freedom to make purchases without stressing about upfront payments.

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 various refinancing options to help you lower your monthly payments or access cash from your home's equity. Let us guide you through this important step in your life with confidence.

Loan Aggregator

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PATRIOT FEDERAL CREDIT UNION - Waynesboro, PA

Type of Loan Offerings

Home Equity Loans

Personal Loans

Student Loans

Vehicle Loans

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