Rates

Checking/Savings Accounts

Dividend Checking Account

Average Daily Balance                     

APY1

1APY=Annual Percentage Yield. 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 June 20, 2024

Average Daily Balance                     

$2,500-$20,000

APY1

2.50%

Average Daily Balance                     

$20,000.01+

APY1

0.00%
Share Savings (Primary Share, Secondary Share, Escrow Share, Accumulative Roth/Traditional IRA Share)

Minimum Daily Balance

APY1

1APY=Annual Percentage Yield. Rates are variable and are subject to change at any time.
Rates effective as of June 20, 2024

Minimum Daily Balance

$5

APY1

0.20%
Credit Union Insured Money Market Account (CUIMMA)

Minimum Daily Balance

APY1

1APY=Annual Percentage Yield. Rates are variable and are subject to change at any time.
Rates effective as of June 20, 2024

Minimum Daily Balance

$2,500

APY1

1.00%

Minimum Daily Balance

$10,000

APY1

1.15%

Minimum Daily Balance

$25,000

APY1

1.35%

Minimum Daily Balance

$100,000

APY1

1.80%

Minimum Daily Balance

$250,000

APY1

2.00%
Christmas Club Share

Minimum Daily Balance

Disbursement

APY1

1APY=Annual Percentage Yield. Rates are variable and are subject to change at any time. Fee applies for early withdrawal.
Rates effective as of June 20, 2024

Minimum Daily Balance

$0

Disbursement

October 1st

APY1

0.20%
Vacation Club Share

Minimum Daily Balance

APY1

1APY=Annual Percentage Yield. Rates are variable and are subject to change at any time.
Rates effective as of June 20, 2024

Minimum Daily Balance

$0

APY1

0.20%

Certificate Specials – Traditional IRA or Roth IRA

11 Month Share Certificate – Traditional IRA or Roth IRA

Minimum Balance

Tier

APY1

Dividend Earnings2

1APY=Annual Percentage Yield. Rates are subject to change without notice. Withdrawals and fees could reduce earnings. Penalty for early withdrawal. Other restrictions may apply.
2Dividend Earnings based on minimum tier balance
Rates effective as of August 20, 2024

Minimum Balance

$10,000

Tier

$10,000-$24,999

APY1

4.70%

Dividend Earnings2

$439.37

Minimum Balance

$25,000

Tier

$25,000-$99,999

APY1

4.70%

Dividend Earnings2

$1,098.43

Minimum Balance

$100,000

Tier

$100,000-$250,000

APY1

4.70%

Dividend Earnings2

$4,393.70

Minimum Balance

$250,000.01

Tier

$250,000.01+

APY1

4.70%

Dividend Earnings2

$10,984.26
9 Month No Penalty Certificate – Traditional IRA or Roth IRA

Minimum Balance

Tier

APY1

Dividend Earnings2

1APY=Annual Percentage Yield. Rates are subject to change without notice. Other restrictions may apply.
2Dividend Earnings based on minimum tier balance.
Rates effective as of September 13, 2024

Minimum Balance

$10,000

Tier

$10,000-$24,999

APY1

2.45%

Dividend Earnings2

$185.26

Minimum Balance

$25,000

Tier

$25,000-$99,999

APY1

2.45%

Dividend Earnings2

$463.14

Minimum Balance

$100,000

Tier

$100,000-$250,000

APY1

2.50%

Dividend Earnings2

$1,890.70

Minimum Balance

$250,000.01

Tier

$250,000.01+

APY1

2.55%

Dividend Earnings2

$4,822.09

Certificate Accounts (3-24 Months) – Traditional IRA or Roth IRA

3 Month Share Certificate – Traditional IRA or Roth IRA

Minimum Balance

Tier

APY1

1APY=Annual Percentage Yield. Rates are subject to change without notice. Withdrawals and fees could reduce earnings. Penalty for early withdrawal. Other restrictions may apply.
Rates effective as of June 20, 2024

Minimum Balance

$1,000

Tier

$1,000-$9,999

APY1

1.50%

Minimum Balance

$10,000

Tier

$10,000-$24,999

APY1

1.60%

Minimum Balance

$25,000

Tier

$25,000-$99,999

APY1

1.60%

Minimum Balance

$100,000

Tier

$100,000-$250,000

APY1

1.65%

Minimum Balance

$250,000.01

Tier

$250,0001.01+

APY1

1.70%
6 Month Share Certificate – Traditional IRA or Roth IRA

Minimum Balance

Tier

APY1

1APY=Annual Percentage Yield. Rates are subject to change without notice. Withdrawals and fees could reduce earnings. Penalty for early withdrawal. Other restrictions may apply.
Rates effective as of June 20, 2024

Minimum Balance

$1,000

Tier

$1,000-$9,999

APY1

2.30%

Minimum Balance

$10,000

Tier

$10,000-$24,999

APY1

2.40%

Minimum Balance

$25,000

Tier

$25,000-$99,999

APY1

2.40%

Minimum Balance

$100,000

Tier

$100,000-$250,000

APY1

2.45%

Minimum Balance

$250,000.01

Tier

$250,000.01+

APY1

2.50%
12 Month Share Certificate – Traditional IRA or Roth IRA

Minimum Balance

Tier

APY1

Dividend Earnings2

1APY=Annual Percentage Yield. Rates are subject to change without notice. Withdrawals and fees could reduce earnings. Penalty for early withdrawal. Other restrictions may apply.
2Dividend Earnings based on minimum tier balance
Rates effective as of September 11, 2024

Minimum Balance

$1,000

Tier

$1,000-$9,999

APY1

2.40%

Dividend Earnings2

$24.27

Minimum Balance

$10,000

Tier

$10,000-$24,999

APY1

2.50%

Dividend Earnings2

$252.88

Minimum Balance

$25,000

Tier

$25,000-$99,999

APY1

2.50%

Dividend Earnings2

$632.21

Minimum Balance

$100,000

Tier

$100,000-$250,000

APY1

2.55%

Dividend Earnings2

$2,580.02

Minimum Balance

$250,000.01

Tier

$250,000.01+

APY1

2.60%

Dividend Earnings2

$6,578.02
18 Month Share Certificate – Traditional IRA or Roth IRA

Minimum Balance

Tier

APY1

Dividend Earnings2

1APY=Annual Percentage Yield. Rates are subject to change without notice. Withdrawals and fees could reduce earnings. Penalty for early withdrawal. Other restrictions may apply.
2Dividend Earnings based on minimum tier balance
Rates effective as of September 11, 2024

Minimum Balance

$1,000

Tier

$1,000-$9,999

APY1

2.50%

Dividend Earnings2

$38.17

Minimum Balance

$10,000

Tier

$10,000-$24,999

APY1

2.60%

Dividend Earnings2

$397.27

Minimum Balance

$25,000

Tier

$25,000-$99,999

APY1

2.60%

Dividend Earnings2

$993.17

Minimum Balance

$100,000

Tier

$100,000-$250,000

APY1

2.65%

Dividend Earnings2

$4,050.50

Minimum Balance

$250,000.01

Tier

$250,000.01+

APY1

2.70%

Dividend Earnings2

$10,320.98
24 Month Share Certificate – Traditional IRA or Roth IRA

Minimum Balance

Tier

APY1

Dividend Earnings2

1APY=Annual Percentage Yield. Rates are subject to change without notice. Withdrawals and fees could reduce earnings. Penalty for early withdrawal. Other restrictions may apply.
2Dividend Earnings based on minimum tier balance
Rates effective as of June 20, 2024

Minimum Balance

$1,000

Tier

$1,000-$9,999

APY1

2.80%

Dividend Earnings2

$57.53

Minimum Balance

$10,000

Tier

$10,000-$24,999

APY1

2.90%

Dividend Earnings2

$596.41

Minimum Balance

$25,000

Tier

$25,000-$99,999

APY1

2.90%

Dividend Earnings2

$1,491.02

Minimum Balance

$100,000

Tier

$100,000-$250,000

APY1

2.95%

Dividend Earnings2

$6,069.84

Minimum Balance

$250,000.01

Tier

$250,000.01+

APY1

3.00%

Dividend Earnings2

$15,439.26

Certificate Accounts (30-60 Months) – Traditional IRA or Roth IRA

30 Month Share Certificate – Traditional IRA or Roth IRA

Minimum Balance

Tier

APY1

Dividend Earnings2

1APY=Annual Percentage Yield. Rates are subject to change without notice. Withdrawals and fees could reduce earnings. Penalty for early withdrawal. Other restrictions may apply.
2Dividend Earnings based on minimum tier balance.
Rates effective as of September 13, 2024

Minimum Balance

$1,000

Tier

$1,000-$9,999

APY1

3.65%

Dividend Earnings2

$95.39

Minimum Balance

$10,000

Tier

$10,000-$24,999

APY1

3.75%

Dividend Earnings2

$981.25

Minimum Balance

$25,000

Tier

$25,000-$99,999

APY1

3.75%

Dividend Earnings2

$2,453.12

Minimum Balance

$100,000

Tier

$100,000-$250,000

APY1

3.80%

Dividend Earnings2

$9,949.38

Minimum Balance

$250,000.01

Tier

$250,000.01+

APY1

3.85%

Dividend Earnings2

$25,216.17
36 Month Share Certificate – Traditional IRA or Roth IRA

Minimum Balance

Tier

APY1

Dividend Earnings2

1APY=Annual Percentage Yield. Rates are subject to change without notice. Withdrawals and fees could reduce earnings. Penalty for early withdrawal. Other restrictions may apply.
2Dividend Earnings based on minimum tier balance
Rates effective as of June 20, 2024

Minimum Balance

$1,000

Tier

$1,000-$9,999

APY1

2.90%

Dividend Earnings2

$90.78

Minimum Balance

$10,000

Tier

$10,000-$24,999

APY1

3.00%

Dividend Earnings2

$940.51

Minimum Balance

$25,000

Tier

$25,000-$99,999

APY1

3.00%

Dividend Earnings2

$2,351.29

Minimum Balance

$100,000

Tier

$100,000-$250,000

APY1

3.05%

Dividend Earnings2

$9,568.96

Minimum Balance

$250,000.01

Tier

$250,000.01+

APY1

3.10%

Dividend Earnings2

$24,332.53
48 Month Share Certificate – Traditional IRA or Roth IRA

Minimum Balance

Tier

APY1

Dividend Earnings2

1APY=Annual Percentage Yield. Rates are subject to change without notice. Withdrawals and fees could reduce earnings. Penalty for early withdrawal. Other restrictions may apply.
2Dividend Earnings based on minimum tier balance
Rates effective as of August 9, 2024

Minimum Balance

$1,000

Tier

$1,000-$9,999

APY1

3.65%

Dividend Earnings2

$156.94

Minimum Balance

$10,000

Tier

$10,000-$24,999

APY1

3.75%

Dividend Earnings2

$1,615.63

Minimum Balance

$25,000

Tier

$25,000-$99,999

APY1

3.75%

Dividend Earnings2

$4,039.06

Minimum Balance

$100,000

Tier

$100,000-$250,000

APY1

3.80%

Dividend Earnings2

$16,388.07

Minimum Balance

$250,000.01

Tier

$250,000.01+

APY1

3.85%

Dividend Earnings2

$41,550.84
60 Month Share Certificate – Traditional IRA or Roth IRA

Minimum Balance

Tier

APY1

Dividend Earnings2

1APY=Annual Percentage Yield. Rates are subject to change without notice. Withdrawals and fees could reduce earnings. Penalty for early withdrawal. Other restrictions may apply.
2Dividend Earnings based on minimum tier balance
Rates effective as of August 9, 2024

Minimum Balance

$1,000

Tier

$1,000-$9,999

APY1

3.40%

Dividend Earnings2

$185.02

Minimum Balance

$10,000

Tier

$10,000-$24,999

APY1

3.50%

Dividend Earnings2

$1,909.43

Minimum Balance

$25,000

Tier

$25,000-$99,999

APY1

3.50%

Dividend Earnings2

$4,773.57

Minimum Balance

$100,000

Tier

$100,000-$250,000

APY1

3.55%

Dividend Earnings2

$19,391.52

Minimum Balance

$250,000.01

Tier

$250,000.01+

APY1

3.60%

Dividend Earnings2

$49,223.70

Continuous Saver Certificate Accounts – Traditional IRA or Roth IRA

24 Month Continuous Saver Share Certificate – Traditional IRA or Roth IRA

Minimum Balance

Tier

APY1

Dividend Earnings2

1APY=Annual Percentage Yield. Rates are subject to change without notice. Withdrawals and fees could reduce earnings. Penalty for early withdrawal. Other restrictions may apply.
2Dividend Earnings based on minimum tier balance
Rates effective as of June 20, 2024

Minimum Balance

$25

Tier

$25-$999

APY1

1.65%

Dividend Earnings2

$0.84

Minimum Balance

$1,000

Tier

$1,000-$9,999

APY1

1.70%

Dividend Earnings2

$34.56

Minimum Balance

$10,000

Tier

$10,000-$24,999

APY1

1.75%

Dividend Earnings2

$355.93

Minimum Balance

$25,000

Tier

$25,000-$99,999

APY1

1.75%

Dividend Earnings2

$889.83

Minimum Balance

$100,000

Tier

$100,000-$250,000

APY1

1.80%

Dividend Earnings2

$3,662.79

Minimum Balance

$250,000.01

Tier

$250,000.01+

APY1

1.85%

Dividend Earnings2

$9,156.97
60 Month Continuous Saver Share Certificate – Traditional IRA or Roth IRA

Minimum Balance

Tier

APY1

Dividend Earnings2

1APY=Annual Percentage Yield. Rates are subject to change without notice. Withdrawals and fees could reduce earnings. Penalty for early withdrawal. Other restrictions may apply.
2Dividend Earnings based on minimum tier balance
Rates effective as of June 20, 2024

Minimum Balance

$25

Tier

$25-$999

APY1

2.15%

Dividend Earnings2

$2.83

Minimum Balance

$1,000

Tier

$1,000-$9,999

APY1

2.20%

Dividend Earnings2

$116.17

Minimum Balance

$10,000

Tier

$10,000-$24,999

APY1

2.25%

Dividend Earnings2

$1,189.54

Minimum Balance

$25,000

Tier

$25,000-$99,999

APY1

2.25%

Dividend Earnings2

$2,973.86

Minimum Balance

$100,000

Tier

$100,000-$250,000

APY1

2.30%

Dividend Earnings2

$12,175.00

Minimum Balance

$250,000.01

Tier

$250,000.01+

APY1

2.35%

Dividend Earnings2

$31,138.10

Vehicle Loans

Auto Loans (100% LTV1)

Terms

APR2 (as low as)

1LTV=Loan to Value
2APR=Annual Percentage Rate (APR) shown is for applicant with credit scores 735 or higher. Based on vehicle model year and mileage. Up to 100% financing. Example: $10,000 loan, monthly payment will be $196.08 for 60 months at 6.59%. Rates may change without notice. All loans subject to credit approval.
Rates effective as of September 13, 2024

Terms

Up to 63 months

APR2 (as low as)

6.59%

Terms

64-75 months

APR2 (as low as)

6.74%

Terms

76-84 months

APR2 (as low as)

7.24%
Motorcycle, Camper, RV & Boat Loans (100% LTV1)

Terms

APR2 (as low as)

1LTV=Loan to Value
2APR=Annual Percentage Rate (APR) shown is for applicant with credit scores 735 or higher. Based on vehicle model year and mileage. Up to 100% financing. Example: $10,000 loan, monthly payment will be $202.72 for 60 months at 8.59%. Rates may change without notice. All loans subject to credit approval.
Rates effective as of August 9, 2024

Terms

Up to 63 months

APR2 (as low as)

7.99%

Terms

64-75 months

APR2 (as low as)

8.14%

Terms

76-84 months

APR2 (as low as)

9.14%

Personal Loans

Personal/Signature Loans

Term

APR1(as low as)

1Annual Percentage Rate (APR) shown is for applicant with credit scores 735 or higher. Rates apply to new loans to Patriot. Example: $7,500 loan, monthly payment will be $249.07 for 36 months at 11.99%. Other rates and terms available. Rates may change without notice. All loans subject to credit approval.
Rates effective as of June 20, 2024

Term

Flexible terms available

APR1(as low as)

11.99%
Express Signature Loans

Term

Loan Amount

APR1 (as low as)

Estimated Monthly Payment

1Annual Percentage Rate (APR) $1000 minimum loan amount. $20.00 processing fee. Interest rate is 13.50%. Example: $1,000 loan with a 17.37% APR would have a monthly payment of $89.55. Rates may change without notice. All loans subject to credit approval.
Rates effective as of June 20, 2024

Term

12 months

Loan Amount

$1,000

APR1 (as low as)

17.37%

Estimated Monthly Payment

$89.55
Certificate Secured Loans

APR1

1APR=Annual Percentage Rate. Rates may change without notice. All loans subject to credit approval. Maturity of the loan must not precede the maturity of the certificate.
Rates effective as of June 20, 2024

APR1

Certificate rate + 3.00%
Share Secured Variable Loans

APR*

*APR=Annual Percentage Rate. Rates may change without notice. All loans subject to credit approval.
Rates effective as of June 20, 2024

APR*

Current dividend rate on regular shares + 4.00%

Home Equity Loans & Lines of Credit

Fixed Home Equity Loans

Term

LTV1

APR2 (as low as)

1LTV=Loan to Value
2Annual Percentage Rate (APR) shown is a fixed rate for an applicant with credit scores 735 or higher. Other rates available for up to 90% financing. Example: $20,000.00 loan, monthly payment will be $388.89 for 60 months at 6.24%. The minimum loan amount is $7,500. $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 June 20, 2024

Term

60 months

LTV1

up to 70%

APR2 (as low as)

6.24%

Term

60 months

LTV1

71-80%

APR2 (as low as)

6.49%

Term

60 months

LTV1

81-90%

APR2 (as low as)

7.24%

Term

120 months

LTV1

up to 70%

APR2 (as low as)

6.49%

Term

120 months

LTV1

71-80%

APR2 (as low as)

6.74%

Term

120 months

LTV1

81-90%

APR2 (as low as)

7.49%

Term

180 months

LTV1

up to 70%

APR2 (as low as)

6.99%

Term

180 months

LTV1

71-80%

APR2 (as low as)

7.24%

Term

180 months

LTV1

81-90%

APR2 (as low as)

7.99%
Flex Equity Line of Credit

LTV1

APR2 (as low as)

1LTV = Loan To Value
2Annual 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 8.50% as of 07/26/2023. 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 June 20, 2024

LTV1

up to 70%

APR2 (as low as)

8.24%

LTV1

71-80%

APR2 (as low as)

8.49%

LTV1

81-90%

APR2 (as low as)

9.24%

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Disclosures

  • NCUA

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

  • Equal House Lender

    Equal Housing Lender