Credit Cards

Get the best rate on the card that has spirit! With a great interest rate and no hidden fees, there are lots of reasons to carry a Patriot Visa®.

Don’t forget that you can access your credit card account through Patriot Mobile and eBranch with a single log-on to:
– View current account activity
– Transfer funds from your Patriot savings or checking to make payments
– Search historical account activity
– Elect to have monthly invoices or statements sent via email
– And more!

Call us at 888-777-9982 or visit any convenient Patriot branch for assistance or questions.

Platinum Patriot VISA®

Get the Credit Card with Spirit!

Because you have enough to worry about, the last thing you need to be concerned with is getting the best rate on your credit card. For all your major purchases and everyday expenses, Patriot’s Platinum VISA® has a low interest rate, no hidden fees, great convenience features, and lots of benefits to stretch your budget!

  • Low rates as low as 7.49% APR* on purchases and cash advances
  • No annual fee
  • No balance transfer fee
  • Low minimum payments – only $25 or 1.5% of balance, whichever is greater
  • 26-day grace period
  • Chip-enhanced (EMV) credit cards
  • Contactless payment option – pay by simply tapping your card at enabled machines. Just look for the “contactless” symbol  (four curved lines) at checkout, then tap your card or hold it just above the card reader (usually within 3 inches). The contactless payment feature is standard with all Patriot VISA credit cards.
  • Instantly issued – no more waiting for a new credit card in the event of a lost, misplaced, or compromised card. Now, you can drop by any of the following branches and have a new credit card issued instantly: Wayne Avenue, Lincoln Way East, Waynesboro (Buchanan Trail East), and Robinwood.**
  • Card Controls – Activate, disable and re-enable your card, set up travel notifications, order a replacement card, and mark your card as lost or stolen, all from your smartphone, wherever you are

Value-Added Benefits:

In addition to the above, our credit cards also offer:

  • Purchase Security
  • Travel & Emergency Assistance Service
  • Travel Accident Insurance
  • ID Navigator powered by NortonLifeLock (New Benefit!)

Learn More About Our VISA Benefits

Patriot Secured VISA® Credit Card

The Great Starter Card with Spirit!

Created for those special situations when you are looking to build or rebuild your credit, the Patriot Secured Visa Credit Card is the perfect option. Here’s how it works:

  • An equivalent deposit must be maintained in your share savings account for the total amount of the line. For example, a deposit of $500 held as collateral is the amount of your credit limit.
  • When you use the Secured Visa®, you must pay it back with regular payments to establish a good track record.
  • Your good track record will be reported to the credit bureaus, which means you begin building a good credit history.

The Secured Visa requires you to stay within a credit limit covered by a savings deposit in the same amount. So, if you have the discipline to make your payments on time and pay off the balance, you’ll be rewarded with a credit score that opens up options for loans down the road!

Here are the benefits of this great credit card option:

  • No annual fee
  • No balance transfer fee
  • Low minimum payments – only $25 or 1.5% of balance, whichever is greater
  • VISA Secure® online protection
  • 26-day grace period
  • Accepted Worldwide
  • Contactless payment option
  • Chip-enhanced (EMV) card

Easy to Apply Today

To apply, call 888-777-9982,  apply online, or download and fill out a balance transfer form and bring it to any Patriot branch office.

*For credit card rates, fees and disclosures:

Rates, fees and disclosures.

Merchant Fees:

Merchant Fees for Patriot VISA ® Credit Cards.

**-Non-issuing branches can take care of any needed card maintenance. Thereafter, you have the option of receiving your new card through the mail or stop in same-day to any of our four “issuing” branches to have your card printed on the spot.