Credit union · NCUA insured
Patriot Equity Credit Union
A $33.8M credit union headquartered in Jackson, TN, with 2,069 members and 1 branch in Tennessee. Best rates: CDs 3.80% and savings 1.00% APY.
Patriot Equity Credit Union Carrot Score
80
Carrot Score
Higher than 53% of U.S. banks and credit unions
#6 of 9 in Jackson, TN metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Patriot Equity Credit Union
Founded in 1929 in Jackson, Tennessee, Patriot Equity Credit Union was originally known as Federal Employees Credit Union and formerly known as Postal Employees Credit Union before becoming a community chartered credit union.
Headquartered in Jackson, the member-owned cooperative serves the people of Madison County along with federal and postal employee groups.
- Headquarters
- 1450 Union University Dr, Jackson, TN 38305
- NCUA charter
- 60082
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Persons who live, work, worship, volunteer, or attend school in Madison County, Tennessee are eligible for membership.
Employers and groups
- Enterprises or organizations in Madison County, as well as their directors, employees, volunteers, or retirees, are eligible for membership.
- Railroad employees and employees of affiliated small employee groups are eligible for membership.
Military, government and schools
- Employees of the U.S. Postal Service and employees of the Federal Government are eligible for membership.
Family and household
- Individuals with an existing family membership connection are eligible for membership.
Cost to join
- A one-time membership fee of $5 is required to join.
- A minimum share deposit and balance of $25 in a savings account is required for ownership and services.
Branches
1 branch in Tennessee
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Tennessee
1 branch
- Patriot Equity Credit UnionMain office1450 Union University Dr, Jackson, TN 38305Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 10.76% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 2.92% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.03% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $60 | $59 | — |
- CapitalNet worth ratio10.76%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late2.92%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.03%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$60Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Patriot Equity Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.