Patriot Credit Union Hagerstown MD | Affordable Auto Loans & Business Banking

Introduction

Welcome to Patriot, your trusted credit union located at 18721 Longmeadow Rd, Hagerstown, MD 21742. Since our establishment in 1965, we have been dedicated to serving our members with a personal touch and a commitment to community well-being. With over 79,152 members and total assets exceeding $1.15 billion, Patriot is more than just a financial institution; we are a partner in your journey toward financial success. At Patriot, we understand the importance of having reliable banking options tailored to your needs. Whether you're looking for personal banking solutions like checking and savings accounts, auto loans, or mortgage refinancing, we offer services designed with you in mind. As part of our commitment to excellence, our leadership team, headed by CEO Ron Celaschi and Board President Dennis Coons, works tirelessly to ensure you receive exceptional service every time you interact with us. While you can visit us at our branch location, please note that official correspondence should be directed to our mailing address: PO Box 778, Chambersburg, PA 17201. Our solid financial foundation showcases our dedication to our members; with total deposits of $113,949,911 and net worth reaching $135,130,077, you can trust that your money is safe with us. We currently manage an impressive portfolio of loans and leases totaling 44,438, ensuring that we can meet your borrowing needs effectively. Join us as we continue to support the Hagerstown community through thoughtful lending practices and personalized service. If you're interested in becoming part of the Patriot family or have questions about our offerings, don't hesitate to reach out! Call us at 717-263-4444 or visit our website at www.patriotfcu.org for more information. Together, let's build a brighter financial future!

Branch History & Mission

Join Us

Patriot Credit Union invites you to experience the benefits of membership firsthand. Whether you're looking for reliable banking solutions or wanting to be part of a supportive community network, we are here for you. With our comprehensive services and dedicated staff available during convenient hours Monday through Thursday from 8:30 AM to 4:30 PM, Friday until 7 PM, and Saturday from 9 AM to noon we're ready to help you navigate your financial journey. Feel free to reach out at 717-263-4444 or explore more about us online at Patriot Credit Union. Join us today and be part of something special!

Our Journey

Since our inception, Patriot has evolved significantly. We started as a small credit union with a mission to support local members and have expanded our reach to become a trusted financial partner in Hagerstown and beyond. Today, we proudly hold total assets of $1,154,763,622. This growth is not just about numbers; it reflects our dedication to serving our community effectively and responsibly. Our headquarters in Chambersburg, PA remains a vital part of our operations. It allows us to coordinate efforts and focus on enhancing member experiences across all branches. We've adapted to changing times with digital advancements and customer-centric initiatives while ensuring accessibility for everyone.

Our Mission

At the heart of Patriot Credit Union is our mission: to provide exceptional financial services while supporting the community's well-being. We aim to empower our members with tools like personal banking accounts, auto loans, mortgages, business banking solutions, and online banking options. We believe in fostering strong relationships through outreach programs and partnerships that give back to Hagerstown. Our drive-thru service ensures convenience for those on-the-go while we also offer ATM access for quick transactions. We are committed to ADA compliance so that every member can access our services without barriers. While members can visit us at 18721 Longmeadow Rd, official correspondence should be sent to PO Box 778, Chambersburg, PA 17201 if you need assistance or have inquiries.

Branch Location & Accessibility

Connect With Us

If you have questions or need assistance before visiting, feel free to give us a call at 717-263-4444. Our friendly staff is eager to assist you! We invite you to stop by our branch today and discover how we can support your financial journey. Your satisfaction is our priority!

Getting Here and Parking

Our branch is not only centrally located but also offers ample parking for our members. If you require accessibility features, rest assured that our facilities comply with ADA standards, making it easy for everyone to visit us comfortably.

Operating Hours

We strive to accommodate your busy schedule. Our lobby is open Monday through Thursday from 8:30 AM to 4:30 PM, and on Friday until 7:00 PM. For those who prefer drive-thru banking, our drive-up service operates Monday through Wednesday until 6:00 PM and has extended hours on Thursday and Friday as well. We also welcome you on Saturdays from 9:00 AM to noon!

Services Available

At Patriot Credit Union, we offer a wide range of services tailored just for you. From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, we're dedicated to meeting your financial needs. Need cash? Our ATM is available on-site for quick withdrawals or balance checks. While members can visit us at 18721 Longmeadow Rd for all their banking needs, official correspondence should be sent to our mailing address at PO Box 778, Chambersburg, PA 17201.

Member Eligibility

At Patriot, we believe that joining our community is more than just opening an account; it's about becoming part of a supportive family that truly cares for its members. Becoming a member is simple and open to anyone who lives, works, worships, or attends school in our local area. We welcome individuals from various backgrounds and experiences, ensuring that everyone can benefit from our financial services. By choosing Patriot, you gain access to a range of personalized banking solutions designed to help you achieve your financial goals. To start your membership journey with us at our branch located at 18721 Longmeadow Rd Hagerstown Md 21742, simply give us a call at (717) 263-4444 or visit our website for more detailed eligibility criteria and account opening instructions at . We're here to make the process as easy as possible so you can enjoy all the advantages of being part of our credit union community.

Business Banking & Commercial Services

Lending Options Tailored for 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 Make Transactions Easy

We know that efficient payment processing is vital for any business. That's why our merchant services provide tools to accept payments easily, whether online or in-store. Imagine being able to focus on your customers while we handle the transactions smoothly behind the scenes. Located conveniently at 18721 Longmeadow Rd Hagerstown Md 21742, Hagerstown, MD 21,742, our team is ready to assist you in navigating your business needs. Call us at (717) 263-4444 to learn more about how we can help your business thrive!

Comprehensive List Of Services

Auto Loans & Vehicle Financing

Thinking about buying a new car? Our auto loans and vehicle financing solutions can help make that dream a reality. With flexible terms and competitive rates, you can drive off in your new vehicle without breaking the bank. Whether it's a new ride or a reliable used car, we have options that fit your budget.

Business Banking Solutions

For entrepreneurs and small business owners, our business banking services, including merchant services and business loans, provide the support needed to grow your venture. We understand the challenges of running a business and offer tailored solutions to help you thrive.

Credit Cards with Rewards

Our credit cards with rewards give you more than just purchasing power they reward you for every dollar spent. Imagine earning points on everyday purchases that can be redeemed for travel, cash back, or gift cards.

Digital Banking Features

With our commitment to convenience, online and mobile banking allows you to manage your accounts anytime, anywhere. Check balances, transfer funds, and pay bills all from the palm of your hand. Plus, enjoy features like ATM access for quick cash withdrawals or balance checks without hassle.

Drive-Thru & ATM Services

Need to make a quick deposit or withdrawal? Our basic drive-thru banking services ensure that even simple transactions can be completed swiftly. With an ATM available at our location, getting cash has never been easier. At Patriot, we strive to make banking as straightforward as possible. If you're ready to take the next step toward better financial health or if you have questions about any of our services, don't hesitate to reach out! Call us at (717) 263-4444 today or visit us at North Pointe Office we're here to help!

Mortgage Loans & Refinancing

Homeownership is within reach with our comprehensive mortgage loans and refinancing options. Whether you're buying your first home or looking to refinance your existing mortgage for better rates, we guide you every step of the way. Picture settling into your cozy new home, knowing you've made a smart financial choice.

Personal Banking Solutions

For those looking to manage their day-to-day finances, our personal banking options are designed with you in mind. We offer checking and savings accounts that suit various lifestyles and goals. Imagine easily accessing your funds for everyday purchases or saving for that dream vacation all while enjoying competitive rates and low fees.

Personal Loans & Debt Consolidation

If you're facing unexpected expenses or want to simplify your finances, consider our personal loans and debt consolidation services. These options allow you to consolidate multiple debts into one manageable payment, helping you regain control of your financial situation.

Digital & Online Banking

Convenient Online Access

With our online banking platform available at https://www.patriotfcu.org/, you can easily check balances, transfer funds, and pay bills anytime, day or night. Our 24/7 online banking services ensure that you are always connected to your money, no matter where life takes you. Plus, our user-friendly interface makes navigating through your account a breeze.

Enhanced Security Features

Security is our top priority. With electronic signature authorization available at Patriot, you can sign documents securely without needing to visit the branch. This feature not only saves time but also enhances your safety by reducing the need for in-person visits.

Go Green with E-Statements

Say goodbye to paper clutter! With e-statements available, you can receive your account statements electronically. This not only helps the environment but also gives you quick access to your financial information whenever you need it.

Mobile Banking on Your Terms

Our mobile application makes banking even more convenient. You can make mobile payments and manage your accounts right from your smartphone. Additionally, person-to-person transfers allow you to send money to friends or family instantly perfect for splitting bills or sending gifts. At Patriot, we believe that banking should be simple and accessible for everyone. Explore all of these features and more by visiting us online today!

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 understand that you want to know your money is safe and that your credit union is here for you, no matter what. Our financial health speaks volumes about our commitment to serving you well. 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 strength is further highlighted by our net worth ratio of $1,168, which demonstrates a solid capital foundation. This means 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. 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 a total of $880,047,588 in loans and leases. Our operational efficiency is reflected in our $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. In summary, at Patriot, your trust is important to us. With net shares amounting to $473,262, available funds for lending and investments remain robust. 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 18721 Longmeadow Rd Hagerstown Md 21742 or call (717) 263-4444 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry. We have already issued over $332,359,256 in used vehicle loans and $178,265,226 in new vehicle loans, helping members get on the road with confidence. Whether you're interested in financing a new or pre-owned vehicle, we can assist you every step of the way.

Credit Lines and Unsecured Credit Card Loans

For those who need flexibility in managing their finances, we offer competitive credit lines amounting to $289,220,487. Additionally, our unsecured credit card loans total $14,686,186, providing members with quick access to funds when they need them most.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing straightforward. We currently have Junior Lien 1-4 Family Residential Properties loans totaling $65,865,853 available for those ready to invest in their future.

Supporting Local Businesses

For business owners looking for capital, our outstanding commercial loans total $100,432,503. These loans are designed to support your growth and expansion efforts while contributing to the economic development of our community. At Patriot, we also provide refinancing options for many of our loan products, ensuring that you can find solutions that fit your evolving financial situation. If you're ready to explore your options, feel free to reach out to us at (717) 263-4444 or visit us at 18721 Longmeadow Rd Hagerstown Md 21742 in Hagerstown, MD. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. We look forward to helping you navigate your financial journey!

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