Personal Banking

smiling family of four personal banking

Our personal banking services offered online and at our branches throughout Chambersburg, PA, Shippensburg, PA, Waynesboro, PA, Frederick, MD and Hagerstown, MD include:

Checking Accounts

At Patriot, our services are tailored for every member at every stage of life. A great example of this is the four types of checking accounts we offer that have a little something extra for everyone. Managing your finances has never been easier or more beneficial. Compare our checking account options below:

Essentials Checking – Free checking account with no minimum balance

E-Plus Checking – $.05 reward on all signature purchases with your free VISA debit card, plus more free withdrawals from ATM’s

Rewards Checking – $.10 reward on all signature purchases with your free VISA debit card, more free withdrawals from ATMs, and free linked account transfers from your savings account

Dividend Checking – Earn dividends and get ATM surcharge refunds and free linked account transfers from your savings account

Learn More About Our Checking Accounts

Savings Accounts

Whether you’re just starting out with your savings or looking to make the most of a large sum of money that you’ve been building up for years, we have options to fit your needs. Our goal is to make it easy for you to build financial security or reach your dreams starting from any level. Compare our various forms of savings accounts below:

Certificates – Our certificates have competitive rates and guaranteed safety, taking the risk out of reaching your savings goals

  • Regular Share Certificates – Fixed rate certificates available in terms from 3 months to 60 months
  • Continuous Saver Certificates – Open with a small deposit and add to it throughout the term

IRAs – Patriot offers competitive rate IRA’s to help you achieve your retirement or education savings goal

  • Traditional IRA
  • Roth IRA
  • Coverdell Education Savings Account

Money Market Account – A higher interest option for saving higher balances. Also gives you the option to write checks.

Other Savings Accounts – Patriot offers savings accounts catered for ages 0-12, 13-17, and for any age at all

  • Prime Share Account – Only requires a minimum deposit of $5, giving you part ownership of the credit union
  • Club Savings Accounts
    • Patriot Pals – Memberships for children ages 0-12 with prizes that make saving fun
    • Patriot All-Stars – Memberships for children ages 13-17 with an optional free checking account
    • Christmas Club – Account to help you save for the holidays, matures in October
    • Vacation Club – A second savings account to help you separate funds for a special occasion from your everyday savings account

Learn More About Our Savings Accounts

All of Patriot’s products and services also come with a variety of convenient electronic services that you can access 24/7, 365, from anywhere in the world to fit a busy lifestyle. These services include:

Also check out our additional in-branch services that you can take advantage of as a member of Patriot:


Patriot cares about the communities we’re in, so we want to make it easy for members of these communities to build financial security through savings and investments. We have options for everyone, no matter what stage of life you’re in and what type of financial support you are looking for. Whether you’re saving for your future, looking to purchase a new car, or preparing for retirement, Patriot offers the products and services you need, right around the corner.

Get more out of doing your banking when you bank with Patriot Federal Credit Union. When you join a credit union, you’re not just a number, you’re a member. Since we are a not-for-profit, community-based credit union, all of our efforts go towards being able to offer our communities the best rates on products, unlike the big banks who focus on making themselves a profit. Patriot prides itself on being a convenient place in our communities that is able to offer products and services that not only meet your needs but come from staff who care.

Patriot’s mission is “People Helping People – Not for Profit, Not for Charity, But for Service.” Stop by one of our locations today and see for yourself.

Find a Branch

You can also check out the personal finance section of our learning center blog for tips and tricks on budgeting, saving, and more!