Savings Accounts

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Open an Account

Patriot offers a variety of savings options, and the convenience to make deposits online, automatically, by mail, in person at any branch, or through one of over 55,000 free ATM’s if you have a connected checking account. Whether you are saving for retirement, an education, a house, or just a rainy day, we have a savings account product that is just right for you at any stage of life.

Money Market Accounts

Keeping a portion of your money portfolio in a “safe place” doesn’t mean it can’t keep earning for you. With Patriot’s Credit Union Insured Money Market Account (CUIMMA), you could earn a higher dividend rate than in a standard savings account if you have a balance of at least $2,500. Other Patriot Money Market Account benefits include:

  • $1,000 minimum balance to open the account
  • No fees
  • Dividends paid weekly (on balances of $2,500 or more)
  • Unlimited deposits
  • Unlimited in-person withdrawals
  • Check writing capabilities
  • Tiered rate structure offers members with higher balances an increased interest rate on deposits

Prime Share Savings Accounts

Our basic savings account only requires a minimum deposit of $5, which gives you part ownership of the credit union. This is considered our membership account, so no matter what products or services you have with us, you will also have a prime share savings account available to use at any time. Only looking for a savings account? This account can be opened as a standalone account too.

  • Low minimum balance of $5
  • Unlimited deposits
  • Unlimited in-person withdrawals
  • Account balance can be used as overdraft protection for a checking account

Youth Savings Accounts

With Patriot’s youth programs, children to young adults—from grade school to college—can rely on Patriot, their local credit union to provide them with the products and services they need to succeed in life.

Patriot Pals

Make saving fun! Patriot Pals is a free membership program for children ages 0-12 that is designed to promote the fundamentals of savings while children are having fun with puzzles, contests, and a passport booklet for each time they save.

Learn More about Patriot Pals

Patriot All-Stars

Patriot All-Stars is a free teen savings account for ages 13-17, intended to help them get off to a strong financial start. In addition, with a Patriot All-Stars membership, teens have the opportunity to open a free student checking account.

Learn More about Patriot All-Stars

Other Savings Accounts

Christmas Club – Savings account to help you save for the holidays. This account pays out in October and requires a $10 fee to withdrawal funds early.

Vacation Club – Savings account to help you save for vacation (or anything, really) by separating these funds from your everyday savings account. Use these funds whenever you are ready.

Secondary Share – Additional savings account to help you separate funds for a special occasion or purpose from your everyday savings accounts


All Patriot savings accounts also come with a variety of convenient electronic services to make sure you have access to your money 24/7/365 from anywhere in the world. These services to help you manage your banking even with the busiest lifestyle include:

Open a Savings Account Online or In-Person with Patriot Federal Credit Union

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 all 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 branches in Chambersburg, PA, Shippensburg, PA, Waynesboro, PA, or Hagerstown, MD, today to open a savings account and see for yourself.

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Dividend Rates