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About Patriot

The routing number for Patriot is 231379979.

Our headquarters is located in Chambersburg, PA with branch offices and ATMs in Franklin County (PA), Frederick County (MD), Fulton County (PA), and Washington County (MD). You are eligible to join, if you live, attend school, worship, work or even if you regularly conduct business in Franklin County (PA); Frederick County (MD); Washington County (MD); and the Eastern Panhandle of West Virginia – Berkeley, Jefferson, and Morgan counties.

Patriot is different than a bank, whether it is a local one or mega bank. In fact, we like to think we do it better than a bank. At Patriot Federal Credit Union, you’re more than an account number or a customer – you’re an owner! We have no stockholders to pay, resulting in higher dividend rates on deposit accounts, minimal fees, and lower interest rates on loans to the members (owners).

Patriot and its employees support community initiatives and events throughout our markets, and all of our decisions are made locally.

We are committed to serving all your financial needs and developing a solid, long-term relationship that will help you through every phase of your life. We will continue to earn your trust every day through quality products and services, convenient points of access and knowledgeable, friendly service.

Our financial products and services are great! Organized to meet your financial needs, Patriot Federal Credit Union offers a full line of savings and loan services, including mortgages. Members enjoy competitive savings rates, attractive loan rates, and low- or no-fee services.

No, we do not sell or release any of your personal information to anyone except as permitted by law. For instance, if you order checks, we will need to give your name and address to the check printing company. Or we may need to release your personal information for legal reasons like tax liens, garnishments, or subpoenas. If you have questions, please refer to our privacy policy or contact us to speak with a representative.

Patriot has some of the most advanced and latest technology available in the industry. All of our vendors and products that we implement go through an intense due diligence process that adheres to government regulations. While we don’t divulge information on specific security measures we deploy, we can tell you that we are constantly updating, evaluating, testing, monitoring and implementing new security technology to protect our members’ funds and information.

We are also audited and tested by third parties to ensure our security measures meet the federal requirements and recommendations. Also, member deposits are federally insured by the National Credit Union Share Insurance Fund (NCUSIF) up to $250,000. Your information/funds are safe and secure with Patriot Federal Credit Union. However, we encourage members to stay alert and act responsibly to protect their personal and financial information.

For the 30th year in a row, Patriot Federal Credit Union has been awarded the coveted Bauer Financial 5-Star rating. Learn more in our blog.


In order to properly identify you, we do require your Social Security number/TIN and a valid government-issued photo ID with the current address. If your photo ID does not have a current address, we will need a monthly bill or lease with the current address.

If you’re not a member, you will need to first establish membership by opening a Share Savings Account with as little as $5.00. Your $5.00 deposit immediately entitles you to take advantage of the wide array of products and services at Patriot. Our various other shares have varied minimum amounts to open depending on the type of share.

Once you have established your eligibility for membership, you can apply online or stop into your local branch office to open an account with us. The process is convenient and easy.

Many of the share accounts we offer do not have a monthly maintenance fee associated with them. If you open an account with a monthly maintenance fee, this will be disclosed at account opening.

The most common way to fund a new account is to make a cash deposit, write a check, or transfer money from an existing Patriot account when in person. If opening the account online, you can mail a check to fund the account or use a debit or credit card.

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  • NCUA

    This credit union is federally insured by the National Credit Union Administration.

  • Equal Housing Lender

    Equal Housing Lender