Patriot Credit Union Frederick MD | Affordable Vehicle Loans & Business Banking

Introduction

Welcome to Patriot, your trusted financial partner located at 5099 Corporate Dr, Frederick, MD 21703. Since opening our doors in 1965, we've been dedicated to serving our community with commitment and care. With a robust membership of over 79,152 individuals, we pride ourselves on being more than just a credit union; we are a community-focused institution that truly cares about your financial well-being. At Patriot, we have built a solid foundation for growth, boasting total assets of $1,154,763,622 and total deposits reaching $113,949,911. Our dedication to responsible lending is reflected in our extensive portfolio of loans and leases totaling 44,438, empowering our members to achieve their dreams through auto loans, mortgages, personal loans, and business financing. Our team of 217 employees is led by our CEO, Ron Celaschi, and Board President, Dennis Coons, who share a passion for helping you navigate your financial journey. Together, they ensure that we remain committed to the highest standards of service while fostering an environment where our members can thrive. While members can visit us at our branch location for personalized service or drive-thru convenience, official correspondence should be sent to our mailing address at 5099 Corporate Dr, Frederick, MD 21703-8399. Whether you're looking for straightforward banking solutions or tailored financial advice, we invite you to explore what we offer. If you have questions or need assistance, don't hesitate to reach out! Call us at 717-267-4444 or visit our website at patriotfcu.org for more information. Let's work together towards your financial goals today!

Branch History & Mission

Community Engagement

Patriot isn't just about banking; it's about building relationships within the community. We partner with local organizations and participate in outreach programs aimed at supporting those in need. Whether it's hosting financial literacy workshops or participating in charity events, we are dedicated to making a positive impact on the lives of those around us. Our branch operates with extended hours for your convenience: 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. With an ATM available and drive-thru banking options for quick transactions, we prioritize accessibility for all our members. We invite you to join Patriot and experience the benefits of being part of a credit union that truly cares about its members and the broader community. Visit us today or contact us at 717-267-4444 to learn more about how we can assist you on your financial journey!

Our Mission

The mission of Patriot is clear: we are here to provide exceptional financial services while actively contributing to the well-being of our community. Our goal is to empower individuals and families through accessible banking options such as checking and savings accounts, auto loans, mortgage financing, and credit cards with rewards. We believe that financial education is vital; thus, we offer resources that help our members make informed decisions about their finances. As part of our commitment to service excellence, we have embraced advancements in technology that enhance member experiences. Our online and mobile banking platforms allow members to manage their accounts conveniently from anywhere. We also ensure that all members can access our services through ADA-compliant facilities.

Branch Location & Accessibility

Get in Touch

Have questions or want to learn more? Feel free to call us at 717-267-4444. We invite you to stop by the Ballenger Creek Branch today; our team looks forward to welcoming you and helping you achieve your financial goals!

Operating Hours

We understand that life can be busy, so we've tailored our operating hours to fit your schedule. Visit us 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. We're closed on Sundays so our team can recharge for another week of serving you!

Services Offered

At Patriot, we offer a variety of services designed to meet your financial needs. From checking and savings accounts to auto loans and mortgage refinancing, we have you covered. Need cash quickly? Our ATM is available for your convenience. Plus, enjoy the ease of basic drive-thru banking for deposits and withdrawals without leaving your vehicle.

Member Eligibility

At Patriot, we believe that everyone deserves access to financial services that empower them. Becoming a member is easy and welcoming! If you live, work, or worship in the communities we serve, you're likely eligible to join our friendly family. We're committed to providing personalized support and a range of services, from checking accounts to auto loans, all designed with your needs in mind. To learn more about specific eligibility details, feel free to visit our website at . Opening an account with us is just as simple! Just head over to our account opening page at https://www.patriotfcu.org/apply-for-loan/, or give us a call at (717) 267-4444 if you have any questions. We're located at 5099 Corporate Dr Frederick Md 21703, and we'd love to help you take this exciting step toward joining our community!

Business Banking & Commercial Services

Commercial Loans

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 being able to accept payments quickly and securely, giving your customers the ease they expect while streamlining your operations. Our merchant services empower you to do just that. From point-of-sale systems to online payment processing, we provide solutions that help you manage transactions effortlessly, so you can focus on what really matters growing your business. Located at 5099 Corporate Dr Frederick Md 21703, Frederick, MD 21703, our team is here to assist you in navigating your financial needs. Give us a call at (717) 267-4444 or visit us today!

Comprehensive List Of Services

Business Banking

For our business members, we have a suite of Business Banking services, including merchant services and business loans, which are essential for helping you grow your enterprise. At Ballenger Creek Branch, we understand that every business is unique, and we're committed to offering solutions that suit your specific needs.

Digital Convenience

In today's fast-paced world, convenience matters. That's why we prioritize our Online & Mobile Banking features so you can manage your finances anytime, anywhere. With options for ATM and cash withdrawal services, along with basic drive-thru banking for deposits and withdrawals, accessing your money is easy.

Friendly Support When You Need It

Whether you're visiting us in person or using our digital platforms, our goal is to make banking as stress-free as possible. Our branch hours are designed with your convenience in mind: 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. If you have any questions or need assistance, don't hesitate to reach out! You can call us at (717) 267-4444 or visit our website at https://www.patriotfcu.org/. We're excited to serve you and help you achieve all your financial goals!

Helping You Achieve Your Goals

Life can throw unexpected challenges your way, but with our Personal Loans & Debt Consolidation, you can take control of your financial situation. We also offer credit cards with rewards that allow you to earn benefits while making everyday purchases.

Personal Banking Solutions

We understand that managing your finances can be overwhelming. That's why we offer Personal Banking services that include checking and savings accounts tailored to fit your lifestyle. Need a new car? Our Auto Loans & Vehicle Financing options are flexible and competitive, making it easier for you to hit the road without breaking the bank. For those looking to invest in a home, our Mortgage Loans & Refinancing services provide the assistance you need to secure your dream house.

Digital & Online Banking

At Patriot, we understand that your time is valuable. That's why we offer a range of digital and online banking services designed to make managing your finances as easy and secure as possible. With our user-friendly platform, you can take control of your banking anytime, anywhere. Our online banking services are available 24/7 at https://www.patriotfcu.org/, giving you access to your accounts whenever you need it. Whether you're checking balances, making transfers, or paying bills, everything is just a click away. You can also enjoy the convenience of electronic signature authorization, which allows you to complete transactions securely without needing to visit the branch. For those who prefer going paperless, we provide e-statements that allow you to view your account statements online. This not only helps the environment but also keeps your financial information organized and accessible. Plus, with mobile payments enabled, you can make purchases directly from your smartphone no wallet needed! If you're always on the go, our mobile application makes banking even easier. With it, you can manage your accounts right from your phone, whether it's transferring money to friends through our person-to-person transfer feature or monitoring your spending in real time. Security is a top priority for us at Patriot. Our digital banking tools are equipped with robust security measures to ensure that your personal information remains safe and sound. We want you to feel confident knowing that accessing and managing your finances is both convenient and secure. Explore all these features today and experience how easy banking can be! Visit us at https://www.patriotfcu.org/ for more information on how to get started with our digital services.

Financial Strength

At Patriot, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We pride ourselves on maintaining strong financial health to ensure we can serve you better every day. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. With a net worth of $135,130,077, we maintain robust financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,168 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. 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. Our commitment to growth is highlighted by our $131,635,840 in undivided earnings. This allows us to reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. With $20,145 in used auto loans and $880,047,588 in total loans and leases, our lending capacity supports members' financial goals across various sectors. Although our current net income is $0, we remain optimistic about future growth and 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 who are dedicated to providing you with knowledgeable service whenever you need it. Net Shares (Funds available for lending and investments): $473,262. Our total share accounts stand at 150,304, showcasing a strong and growing member base that 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.

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 provide flexible terms and competitive rates to ensure you find an option that fits your budget.

Business Financing

For business owners, our outstanding commercial loans totaling $100,432,503 provide the capital needed to grow and expand. We understand how important it is for businesses to have access to funding when they need it most. At Patriot, we prioritize your financial wellbeing. If you're considering refinancing or want to learn more about eligibility options, our team is ready to assist you with personalized advice tailored to your needs. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Visit us at 5099 Corporate Dr Frederick Md 21703 in Frederick, MD, or give us a call at (717) 267-4444 for more information about our loan offerings and how we can assist you today!

Credit Lines and Unsecured 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. If you need extra cash for unexpected expenses or want to consolidate debt, our credit lines provide a convenient solution that can help ease financial stress.

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 are here to guide you through every step of the process, whether it's your first time buying a home or you're looking to refinance for better terms.

Loan Aggregator

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Ensuring Accurate 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 users receive fair and transparent offers tailored to their needs. By focusing on verified data from legitimate financial institutions, LendMesh promotes transparency in every comparison.

Take Action Today

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Patriot