Credit union · NCUA insured
Patriot Federal Credit Union Savings Rates
Top CarrotPatriot Federal Credit Union’s best savings rate is 1.20% APY on $10,000, with its Money Market Account. Rates checked October 17, 2026.
How Patriot Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Chambersburg, PA, where Patriot Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Patriot Federal Credit Union
1.20%APY
- Minimum
- $1,000
- Earns on $10,000 a year
- $120
Money Market Account
Top rate
Community State Bank
2.32%APY
- Minimum
- $1,000
- Earns on $10,000 a year
- $232
3rd-highest rate
Woodforest National Bank
1.00%APY
- Minimum
- $25
- Earns on $10,000 a year
- $100
Patriot Federal Credit Union savings score
86
Savings score
Higher than 75% of U.S. banks and credit unions
- $1,000 balance$1,0000.20%
- $10,000 balance$10,0001.20%
- $100,000 balance$100,0001.70%
- QualifiedQualified1.20%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Patriot Federal Credit Union ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Money Market Account
Up to 1.20%APY
Earn a higher dividend rate than in a standard savings account if you have a balance of at least $2,500. Tiered rate structure offers members with higher balances an increased dividend rate on deposits. Unlimited deposits and withdrawals, check writing capabilities.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,500 and upRates are variable and are subject to change at any time. | 1.10% | $110 | Rates are variable and are subject to change at any time. |
| $10,000 and upRates are variable and are subject to change at any time. | 1.20% | $120 | Rates are variable and are subject to change at any time. |
| $25,000 and upRates are variable and are subject to change at any time. | 1.40% | — | Rates are variable and are subject to change at any time. |
| $100,000 and upRates are variable and are subject to change at any time. | 1.70% | — | Rates are variable and are subject to change at any time. |
| $250,000 and upRates are variable and are subject to change at any time. | 2.00% | — | Rates are variable and are subject to change at any time. |
Sources (1)
- patriotfcu.org/personal/savings-money-market-accounts · captured Oct 6, 2026
Escrow Share
0.20%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upRates are variable and subject to change at any time.$5 and up | 0.20% | $20 | Rates are variable and subject to change at any time. |
Sources (1)
- patriotfcu.org/personal/savings-money-market-accounts · captured Sep 17, 2026
Prime Share Savings Account
0.20%APY
Basic share savings account establishing membership in the credit union. Standalone account option available. Unlimited deposits and withdrawals; balance can be used as overdraft protection.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upRates are variable and subject to change at any time.$5 and up | 0.20% | $20 | Rates are variable and subject to change at any time. |
Sources (2)
- patriotfcu.org/personal/savings-money-market-accounts
- patriotfcu.org/personal/secondary-savings-accounts
All captured Sep 17, 2026
Secondary Share Savings Account
0.20%APY
Separate funds for a special occasion or specific savings goals. Can be opened using online banking tools.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upRates are variable and subject to change at any time.$5 and up | 0.20% | $20 | Rates are variable and subject to change at any time. |
Sources (2)
- patriotfcu.org/personal/savings-money-market-accounts
- patriotfcu.org/personal/secondary-savings-accounts
All captured Sep 17, 2026
Special-purpose accounts
Accumulative IRA Share
0.20%APY
Available as Traditional IRA or Roth IRA.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upRates are variable and subject to change at any time.$5 and up | 0.20% | $20 | Rates are variable and subject to change at any time. |
Sources (1)
- patriotfcu.org/personal/savings-money-market-accounts · captured Sep 17, 2026
Christmas Club Share
0.20%APY
Pays out/disburses on October 1st to help save for the holidays.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceRates are variable and subject to change at any time. Disbursement on October 1st.Any balance | 0.20% | $20 | Rates are variable and subject to change at any time. Disbursement on October 1st. |
Sources (1)
- patriotfcu.org/personal/savings-money-market-accounts · captured Sep 17, 2026
Vacation Club Share
0.20%APY
Separates funds from everyday savings account to save for vacation or other goals; funds can be used whenever ready.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceRates are variable and subject to change at any time.Any balance | 0.20% | $20 | Rates are variable and subject to change at any time. |
Sources (1)
- patriotfcu.org/personal/savings-money-market-accounts · captured Sep 17, 2026
Who can join Patriot Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.