Patriot Credit Union Waynesboro PA | Affordable Auto Loans & Business Banking

Introduction

Welcome to Patriot, your trusted partner in financial services located at 10933 Buchanan Trl E, Waynesboro, PA 17268. Since our establishment in 1965, we have been dedicated to serving our community with integrity and care. As a proud member of the Patriot family, you join over 79,152 members who trust us for their banking needs. At Patriot, we believe in empowering our members through financial solutions tailored to your unique needs. With total assets reaching an impressive $1,154,763,622, and total deposits of $113,949,911, our strong financial foundation allows us to offer competitive loans and personalized services that help you achieve your goals. We proudly manage a total loan portfolio consisting of 44,438 loans and leases, ensuring that we can support your dreams whether it's buying a new car or securing a mortgage. Our commitment to excellence is reflected not only in our numbers but also in the personal touch we bring to every interaction. Under the leadership of CEO Ron Celaschi and Board President Dennis Coons, our team of 217 employees is here to provide exceptional service. We have created a welcoming environment where you can feel confident about your financial decisions. While members can visit us at our branch for all their banking needs, official correspondence should be sent to our mailing address: P.O. Box 778, Chambersburg, PA 17201. We invite you to explore our array of services including checking and savings accounts, auto loans, mortgage refinancing, credit cards with rewards, and business banking solutions all designed with you in mind. Ready to take the next step? Call us at 717-263-4444 or visit our website at www.patriotfcu.org for more information on how we can assist you today! At Patriot Credit Union, you're not just a number; you're part of our family.

Branch History & Mission

Community Commitment

Our commitment extends beyond banking; we actively engage in community outreach initiatives and partnerships aimed at improving the quality of life in Waynesboro and surrounding areas. Whether it's through local sponsorships or educational programs, we aim to make a positive impact that resonates throughout our neighborhoods. With features like drive-thru banking and ATM availability for quick transactions, we're here to support your financial journey every step of the way. As we look toward the future, we invite you to become a part of our growing family at Patriot. Join us today and experience firsthand how we're dedicated to serving not just as your financial institution but as a pillar of support in your life. For more information or assistance, feel free to reach out by calling us at 717-263-4444. Let's build a better financial future together!

Our Evolution

From our humble beginnings, we have grown significantly. Today, we proudly serve over 79,000 members and manage total assets exceeding $1.15 billion. This growth reflects not just our financial success but also the strong relationships we've developed within our community. Our branch is conveniently situated at 10933 Buchanan Trl E, Waynesboro, PA 17268 close to local landmarks that make it easy for you to visit us. If you need to send us official correspondence, please use our mailing address: P.O. Box 778, Chambersburg, PA 17201.

Our Mission

At Patriot, we are committed to empowering our members through a variety of financial products and services tailored to meet their unique needs. Our mission is clear: we strive to provide exceptional personal banking options including checking and savings accounts, auto loans, mortgages, personal loans, credit cards with rewards, and business banking services. We believe that financial education and support are vital components of a thriving community. We also understand the importance of convenience in today's fast-paced world. That's why we've integrated modern banking solutions such as online banking and mobile payments into our offerings. Members can easily manage their finances from anywhere at any time.

Branch Location & Accessibility

Come Visit Us!

We invite you to stop by the Patriot Financial Services Center today or give us a call at 717-263-4444 if you have any questions about our services or how we can assist you further. Experience the friendly service that sets us apart your financial journey starts here!

Nearby Landmarks and Accessibility

Our location is just a short drive from popular spots like the Waynesboro Hospital and the local shopping centers, making it easy to fit your banking errands into your busy day. We have ample parking available, ensuring that you can park without hassle. For those who may need assistance, our branch is equipped with ADA-compliant features including ramps and accessible entrances.

Operating Hours and Services

We understand that life can get busy, which is why we offer flexible hours to accommodate your schedule. Our lobby is open Monday through Wednesday from 8:30 AM to 4:30 PM, with extended hours on Friday until 7 PM. On Saturdays, we're here from 8:30 AM to noon as well. If you prefer using our drive-thru service, you can access it Monday through Wednesday from 8 AM to 6 PM and Thursday until 7 PM. At Patriot, we pride ourselves on offering a variety of services tailored just for you. From checking and savings accounts to auto loans and credit cards with rewards, we've got everything you need under one roof. Our ATM is available for quick cash withdrawals and balance checks whenever you need it.

Member Eligibility

Becoming a member of Patriot is like joining a family that truly cares about your financial journey. Located at 10933 Buchanan Trl E Waynesboro Pa 17268, we welcome individuals from various walks of life to enjoy the benefits of membership. If you live, work, worship, or go to school in the area, you're likely eligible to join us! Our members appreciate not just our friendly service but also access to competitive rates on loans and savings, personalized financial advice, and a community-focused approach. We make the process of becoming a member simple and inviting. To get started or learn more about eligibility criteria, feel free to visit our website at or give us a call at (717) 263-4444. We're here to help you every step of the way!

Business Banking & Commercial Services

Financing 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 Sense

In addition to loans, we offer comprehensive merchant services that simplify your payment processes. Imagine accepting payments effortlessly from customers, whether they pay in-store or online. Our solutions help you keep your cash flow steady while focusing on what matters most growing your business. When you're ready to take the next step in expanding your operations or enhancing your customer experience, visit us at 10933 Buchanan Trl E Waynesboro Pa 17268 or call us at (717) 263-4444. Let's work together to turn your business dreams into reality!

Comprehensive List Of Services

Business Banking Services

For business owners, we offer comprehensive solutions including merchant services and business loans. Our goal is to help your business thrive by providing the necessary tools for managing cash flow effectively. You can trust us to support your entrepreneurial journey.

Convenient Access Points

We know convenience matters. That's why we have an ATM available at our branch for quick withdrawals and balance checks. Our basic drive-thru banking service allows you to handle deposits, withdrawals, and simple transactions without leaving your car perfect for those busy days when time is of the essence.

Join Us Today!

At Patriot, we're committed to making banking easier for everyone in Waynesboro and beyond. If you're interested in learning more about any of our services or if you have questions about how we can assist you financially, please don't hesitate to reach out at 717-263-4444 or visit us online at patriotfcu.org. We look forward to welcoming you into our community!

Loans for Every Need

In addition to auto loans, we provide personal loans for debt consolidation or unexpected expenses. Life can throw curveballs, but with our straightforward application process, you can get the financial boost you need quickly. Plus, don't forget about our credit cards with rewards, designed to give back every time you spend.

Personal Banking Solutions

Our personal banking options include checking and savings accounts that cater to both your daily needs and long-term savings goals. Imagine having a checking account that not only keeps your funds safe but also offers you easy access through our robust online and mobile banking platforms. You can check balances, transfer funds, and even set up automatic payments from anywhere with just a few clicks. When it comes to financing, we offer auto loans and vehicle financing tailored for various budgets. Picture yourself driving off in your dream car while knowing you secured a competitive rate with us. If home ownership is on your mind, our mortgage loans and refinancing options can help make that dream a reality, ensuring you have the right support throughout the process.

Digital & Online Banking

Accessible Anytime

Life moves fast, and we make it easy for you to keep up. With 24/7 online banking services available at Patriot, you can manage your accounts whenever it suits you best. No more rushing to the branch before closing time; everything you need is just a click away. In summary, our digital and online banking services provide convenience, security, and accessibility all designed to help you manage your finances effortlessly. Join us today and discover how easy banking can be!

Key Features

Our online banking platform, accessible at https://www.patriotfcu.org/, allows you to take control of your finances 24/7. You can check your account balances, transfer money, pay bills, and even manage e-statements with ease. Plus, with our electronic signature authorization feature, signing documents has never been simpler or more secure. For those who prefer banking on their mobile devices, our mobile application provides all the essential tools right in your pocket. Whether you're making person-to-person transfers or using mobile payments for quick purchases, managing your money has never been easier.

Security and User-Friendliness

Your security is our top priority. Our online banking system employs advanced security measures to protect your information while ensuring a user-friendly experience. You can feel confident knowing that your transactions are safe, whether you're accessing your accounts through our website or mobile app.

Financial Strength

Growing Member Trust

Total Share and Deposit Accounts stand at 150,304, showing a strong and growing member base that trusts us with their finances. Additionally, Net Shares available for lending and investments amount to $473,262, further highlighting our commitment to responsible growth. 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.

Member-Centric Savings

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 $0 reflects our operational efficiency, 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.

Reinvesting for Your Future

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 capacity to lend is reflected in our $20,145 in used auto loans and $880,047,588 in total loans and leases. This means we're here to support your financial goals across various sectors.

Strong 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 $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.

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 also provide refinancing options if you're looking to lower your monthly payments or reduce your interest rate.

Commercial Loans

For business owners, our outstanding commercial loans totaling $100,432,503 provide the capital needed to grow and expand your business. Whether you're starting a new venture or looking to enhance an existing one, we have solutions tailored for businesses of all sizes.

Contact Us

To learn more about our loan products and how they can benefit you, visit us at 10933 Buchanan Trl E Waynesboro Pa 17268 in Waynesboro, PA, or give us a call at (717) 263-4444. We're here to help you find the right financing solution for 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. Don't miss out on achieving your financial dreams let's start this journey together today!

Credit Lines and Personal Loans

We 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 quick access to cash for unexpected expenses or planned purchases, our personal loans can help bridge that gap.

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 it's your first home or an investment property, our team is here to guide you through every step of the process.

Loan Aggregator

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Ensuring Accurate Comparisons

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Patriot