Inwood Office – Now Open!

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

Equal Housing Lender

¹APY= Annual Percentage Yield of 6.00%; available on $5,000-$10,000 only. Rate effective 10/08/26 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 Inwood branch location 41 Duella Drive Inwood, WV 25428. One certificate special per social security number. Must be eligible for membership. Other restrictions may apply.

² APY = Annual Percentage Yield. Introductory 4.00% APY available on new Money Market accounts with new money only. Minimum opening balance $10,000. Minimum balance to earn the Introductory APY is $10,000; maximum $350,000. After the 6-month introductory period, the dividend rate reverts to the appropriate variable Money Market rate/APY based upon the balance in the account. Dividends are compounded and credited monthly on balances of $2,500 or more. Limit one promotional account per business/ TIN. This offer is non-transferable and available for a limited time. Fees may reduce earnings. The APY is accurate as of 10/08/2026. Offer subject to change without notice.

³ This 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, PatriotFederal 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 Inwood branch location 41 Duella Drive Inwood, WV 25428. Other restrictions may apply. Promotion #127.

⁴Introductory 4.99% Annual Percentage Rate (APR) is effective for the initial twelve months of the line of credit portion. After the introductory period, the rate converts to the standard variable rate. APR shown is for an applicant with a credit scores 735 or higher. Other rates are available for up to 100% financing. Rate based on the Wall Street Journal Prime Rate which was 7.00% as of 9/17/2026. 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.

⁵ Annual 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 7.00% as of 9/17/2026. 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 October 8, 2026 .

⁶Annual 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 7.00% as of 9/17/2026. 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.

⁷ Earn 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. Click here https://www.patriotfcu.org/wp-content/uploads/VISA-Rewards-Program.pdf for details.

⁸Annual Percentage Yield of 3.00% 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 10/0/2026.

⁹Terms and conditions apply. Must be eligible for membership. Membership eligibility will be determined at time of membership opening. Refer a Friend $50.00 Reward will be deposited into the Prime Share Account and awarded to the referrer and new membership holder, if within 90 days of referral, the new membership holder 1) opens a new Patriot FCU membership by depositing at least $5.00 into a Prime Share account and 2) opens a Patriot Share Draft Checking account and 3) receives a recurring payroll or government direct deposit of $500.00 or more. Current Patriot members may earn Reward deposits as a referrer by registering their information and referring friends or family. Current Patriot members or previous Patriot members with memberships which have been closed less than 3 years are not eligible to receive the Reward deposit as a new member holder. Referrers and referee (new membership holders) must have a Patriot account and be in good standing when qualifications are met to receive a Reward deposit. Good standing means your membership or account has not been limited, restricted or closed for any reason. Reward will be deposited into the Prime Share Accounts within 4 to 6 weeks of qualifications being met. Employees of Patriot Federal Credit Union, volunteer officials, and their immediate families and household members are not eligible to receive Reward deposits. Cannot be combined with any other offer. Patriot Federal Credit Union reserves the right to change or discontinue this offer at any time without prior notice. Not available on new Estate or Custodial Membership types. This program is subject to all applicable federal, state, and local laws and regulations. Reward deposits are considered taxable income. Members are responsible for any applicable taxes