Grand Opening September 27th!

Insured by NCUA

Equal Housing Lender

¹APY=Annual Percentage Yield of 5.00%; available on $5,000 only. Rate effective 09/15/25 and is subject to change without notice. Withdrawals and fees could reduce earnings. Penalty for early withdrawal. Must have an open checking account at Patriot to be eligible for the 11-month certificate new branch opening special. Only available at the Spring Mills branch location 5268 Williamsport Pike, Martinsburg, WV. One certificate special per social security number. Other restrictions may apply.

²This promotion is offered to new credit union members who sign up for direct deposit AND have an active Patriot debit card. The $50 incentive will be deposited into member’s checking account within 60 days of the following requirements being made – sign up for direct deposit of at least $500 per month, have the direct deposit meet or exceed that monthly amount, and activate their Patriot debit card. As required by law, Patriot
Federal Credit Union will report the value of the incentive to the IRS. All state, federal, and local tax laws are applicable. This offer is non-transferrable and available for a limited time offer. Offer subject to change without notice. Only available at the Spring Mills branch location 5268 Williamsport Pike, Martinsburg, WV. Other restrictions may apply. Promotion #127.

³Annual Percentage Rate (APR) shown is for an applicant with a credit scores 735 or higher. Other rates are available for up to 90% financing. Rate based on the Wall Street Journal Prime Rate which was 7.50% as of 12/19/2024. This is a variable rate loan product, and your payment and rate are subject to change. Maximum 17% APR. No floor rate on this product. Monthly payments may range from 0.5.% to 1.50% of the balance
owed. Late payment fees of 5% of the monthly payment or $35.00 whichever is greater may apply. $7,500 minimum line of credit. $99 origination fee will apply. Maryland homeowners are responsible for Maryland government recordation tax, amounts vary per county and amount borrowed. Homeowners insurance required. Rates may change without notice. All loans subject to credit approval. Rates effective as of August 20, 2025.

⁴Annual Percentage Rate (APR) shown is a fixed rate for an applicant with credit scores 735 or higher. Other rates available for up to 90% financing. Example: $20,000.00 loan, monthly payment will be $834.24 for 60 months at 5.74%. The minimum loan amount is $7,500. $99 origination fee will apply. Maryland homeowners are responsible for Maryland government recordation tax, amounts vary per county and amount borrowed. Homeowners insurance required. Rates may change without notice. All loans subject to credit approval. Rates effective as of September 9th, 2025.

⁵Annual Percentage Rate (APR) shown is for applicant with credit scores 735 or higher. This is a variable rate loan product; your payment and rate are subject to change. Rate based on the Wall Street Journal Prime Rate which was 7.50% as of 12/19/2024. Maximum 18% APR. Foreign transaction fee of 1% of the amount of the transaction in U.S. dollars. Late payment fee of up to $25.00 may apply. Expedited card delivery fee of $50.00 may apply. Optional debt cancellation protection is available, fees range from $0.189 to $0.599 per $100.00 owed per month based on coverage selected. Visa is a registered trademark of Visa International Service Association. Rates may change without notice. All loans subject to credit approval.

⁶Earn 1.5% reward on the amount of qualifying net purchase transactions. The term ‘purchases’ does not mean every transaction you make with your credit card. Ineligible transactions include, but are not limited to: interest charges, fees, balance transfers, cash advances, ATM transactions, convenience checks, disputed or unauthorized charges, fraudulent transactions, purchase of gift cards or Traveler’s Cheques, overdraft transfers, and other charges assessed to your account. Returns, refunds, or other credits are deducted from your purchases resulting in cash back rewards on your net purchases. Cash Back Rewards will be deposited to a prime share account only when the card account is open and current. See Rewards Program for details.

⁷Annual Percentage Yield of 2.50% will apply to the entire balance in your account if your average daily balance is from $2,500.00 to $25,000.00. You will not earn dividends on any portion of your balance that exceeds $25,000.00. Rates are variable and are subject to change at any time. Withdrawals and fees could reduce earnings. Minimum opening balance $2,500. Rates effective as of 08/20/2025. patriotfcu.org | 5268 Williamsport Pike, Martinsburg. Insured by NCUA