Credit union · NCUA insured
Patriot Federal Credit Union
Top CarrotA $1.3B credit union, the 373rd largest of 4,329, headquartered in Chambersburg, PA, with 81,733 members and 12 branches in 3 states. Best rates: CDs 4.60% and savings 1.20% APY.
Patriot Federal Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 82% of U.S. banks and credit unions
#1 of 9 in Chambersburg, PA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Patriot Federal Credit Union
Patriot Federal Credit Union has been providing financial services since 1965.
- Headquarters
- 800 Wayne Ave, Chambersburg, PA 17201-3810
- NCUA charter
- 16574
Branches
12 branches in 3 states
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Pennsylvania
8 branches
- Corporate OfficeMain office800 Wayne Ave, Chambersburg, PA 17201Directions
- CASHS Student Branch511 S 6th St, Chambersburg, PA 17201Directions
- Federal Street140 S Federal St, Chambersburg, PA 17201Directions
- Gateway Avenue Office488 Gateway Ave, Chambersburg, PA 17201Directions
- Lincoln Highway East1536 Lincoln Way E, Chambersburg, PA 17202Directions
- Greencastle Branch200 N Antrim Way, Greencastle, PA 17225Directions
- Shippensburg1095 W King St, Shippensburg, PA 17257Directions
- Waynesboro Financial Services Center10933 Buchanan Trl E, Waynesboro, PA 17268Directions
Maryland
3 branches
Hagerstown area · 2
- North Pointe Office18721 Longmeadow Rd, Hagerstown, MD 21742Directions
- Robinwood11067 Robinwood Dr, Hagerstown, MD 21742Directions
Washington area · 1
- Ballenger Creek Branch5099 Corporate Dr, Frederick, MD 21703Directions
West Virginia
1 branch
- Spring Mills5268 Williamsport Pike, Martinsburg, WV 25404Directions
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
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 11.49% | 10.86% | 12.59% or more |
| Troubled loans60+ days late | 0.26% | 0.70% | 0.46% or less |
| ProfitabilityReturn on assets | 1.08% | 0.82% | 1.16% or more |
| LendingLoans per $100 deposited | $82 | $88 | — |
- CapitalNet worth ratio11.49%Peers’ middle 10.86% · Top 25% 12.59%+
- Troubled loans60+ days late0.26%Peers’ middle 0.70% · Top 25% ≤0.46%
- ProfitabilityReturn on assets1.08%Peers’ middle 0.82% · Top 25% 1.16%+
- LendingLoans per $100 deposited$82Peers’ middle $88
Compared with the 479 credit unions with $1 billion or more 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 Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.