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Unlock lifelong benefits with just $5.

Become a Patriot Member

Once you establish your eligibility for membership, simply open a Prime Share Savings Account with as little as $5 to take advantage of the wide array of products and services Patriot has to offer.

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Enjoy the Benefits of Joining Patriot

Low rates

Lower Fees

As a credit union, we offer lower fees compared to traditional banks, including reduced ATM fees.


Higher Savings Rates

Enjoy higher dividend rates on savings accounts, Share Certificates, and other products, which means you earn more as you save.

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Better Loan Rates

We offer competitive rates on personal loans, auto loans, and mortgages, which means significant savings over the life of your loan.

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Personalized Service

As a member, you get a personalized approach to customer service and a team that understands your unique financial needs.

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Member Benefits

As a credit union member, you have access to additional savings through Love My Credit Union Rewards. Click here to learn more.

LanguageLine Solutions

Interpretation services available for assistance in over 240 languages.

At Patriot Federal Credit Union, we are dedicated to breaking down language barriers and ensuring effective communication for all our members. Our interpretation services ensure that language is never a barrier to success. Whether you go into a branch or call us, simply let us know what your language of preference is, and we’ll take care of the rest.

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Patriot Federal Credit Union vs. Banks

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  • Type of Organization

    Type of Organization

  • Who Can Join

    Who Can Join

  • Focused On 

    Focused On 

  • Deposits Federally Insured

    Deposits Federally Insured

  • Governance


  • Interaction with Like Financial Institutions

    Interaction with Like Financial Institutions


  • Type of Organization

    Not-for-profit – Fewer Fees, Better Rates
    As a not-for-profit financial cooperative, we return our profits to our members in the form of better rates, lower fees and greater service.

  • Who Can Join

    Patriot’s membership is open to eligible individuals and their family members.

  • Focused On 

    Community Members

    We serve the needs of our membership and community by investing in local organizations working to make a difference. 

  • Deposits Federally Insured

    NCUA Insured ($250k)

    Your shares are insured by the National Credit Union Administration (NCUA) and are backed by the faith and credit of the United States Government. 

  • Governance

    Member Owned

    Each member has one vote and can exercise their voting rights to fill seats on the volunteer Board of Directors. The directors advocate for membership.

  • Interaction with Like Financial Institutions


    Credit Unions are financial cooperatives. That means we work together toward one common goal — helping our members prosper. 


  • Type of Organization

    For-profit – More Fees, Less Favorable Rates
    Traditional banking institutions primarily focus on generating profits for their shareholders with fewer added benefits.

  • Who Can Join

    You cannot join a bank, but anyone can be a customer.

  • Focused On 

    Generating Revenue

    Banks use the income to increase their shareholders’ earnings.

  • Deposits Federally Insured

    FDIC Insured ($250k)

    At a bank, your deposits are insured by the Federal Deposit Insurance Corporation (FDIC) and are backed by the faith and credit of the United States Government. 

  • Governance

    Stakeholder Owned

    Banks are governed by their shareholders. Voting rights depend on the number of shares you own, leaving many regular customers out of decisions. 

  • Interaction with Like Financial Institutions


    Banks generally act independently because of their competition for your business. 

Our Members Love Us

We are honored and lucky that we are members of Patriot. We thank you for your prompt service. We will surely recommend you. Keep up the good work and excellent service.

— Julie D., Waynesboro

See How You’re Eligible to Join

Patriot Federal Credit Union membership is open to individuals, businesses, and organizations who live, work, worship, attend school, or regularly conduct business in…

  • Franklin County, Pennsylvania
  • Washington County, Maryland
  • Frederick County, Maryland
  • Berkeley County, West Virginia
  • Jefferson County, West Virginia
  • Morgan County, West Virginia

What You Need to Apply*



Check your eligibility to confirm that you’re in our field of membership.


Personal Identification

Have your unexpired government-issued driver’s license/state ID, or passport with current address ready.



Make sure to have documentation to verify your current physical and mailing address.


SSN/ITIN & Date of Birth

We’ll also need other identifying information such as your Social Security Number or Tax Identification Number and date of birth to verify your new account.

Looking to open a business membership?

Here are the items you will need: MD Checklist | PA Checklist

Due to documentation requirements, please visit a branch or call to schedule an appointment. 

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  • *To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.

  • NCUA

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

  • Equal Housing Lender

    Equal Housing Lender