Due to an overwhelming response, we have now extended the following special offers up to November 30. Please visit our Robinwood branch today to get details. Location: 11067 Robinwood Drive, Hagerstown, MD 21740
- 11-Month Certificate – Earn the best certificate rate of 5.00% APY1 in the area for up to $5,000 in balances
- Money Market Account** – Super charge your savings with an introductory special rate of 2.00% APY2
And there are a variety of other ways to save:
- Patriot Equity Line – Featuring a low introductory rate for 6 months3
- Home Equity Loan – Make home improvements with this low fixed-rate loan4
- Patriot VISA Credit Card – Transfer a balance on another credit card to Patriot and save money with our balance transfer offer5
- Dividend Checking – Our high-interest checking account with a 2.00% APY6
- Certificates – Available in a variety of terms from 3 to 60 months with very competitive rates, such as our “Best in the Cumberland Valley” 60 month Share Certificate with a 3.25% APY7 ($10,000-$24,999.99 tier).
If you are looking for more flexibility then you may want to consider:
Step up your savings in a rising interest rate environment! Our 39-Month Management Step Up Certificate8,9,10 offers the opportunity to increase the rate any one time during the original term of the certificate to the prevailing rate, should rates rise.
Don’t have a lot to get started? Our Continuous Saver Certificate8,9,11offers a minimum opening balance of only $25 and unlimited additional deposits of $10 or more during the term. This is an excellent tool to build a regular savings habit and prepare for a rainy day.
Pay no penalties for withdrawal! Check out our 9-Month No Penalty Share Certificate8,12.
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1Annual Percentage Yield (APY) of 5.00% on 11 month Certificate for $5000 with new money only. Minimum opening balance of $5,000 is required to open this certificate and to earning the APY. Maximum $5000 amount per certificate. No brokered deposits or public funds accepted. Rates effective 10/15/2018 and are subject to change without notice. The APY assumes that all interest remains on deposit until maturity. Fees could reduce earnings. Substantial penalty for early withdrawal. At maturity the certificate will automatically renew for a term of 12 months at the prevailing rate. Members must have or open an active checking account or IRA in order to qualify for this offer. Limit one promotional account per social security number. This offer is non-transferrable and available for a limited time offer. Offer subject to change without notice.
2APY – Annual Percentage Yield. Introductory 2.00% 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 3-month introductory period, the dividend rate reverts to the appropriate Money Market rate/APY based upon the balance in the account. Regular APY at 10/31/18 were 0.60% for balance $1,000-9,999.99; 0.90% for $10,000-$24,999.99; 1.10% for $25,000-99,999.99; 1.20% for $100,000-$250,000.00 and 1.25% for over $250,000. Balance under $10,000 and over $250,000 during the Introductory period will earn the regular APY. Withdrawals from the account may reduce the APY. Dividends are compounded and credited weekly. Member must have or open a personal checking account in order to qualify for this offer. Limit one promotional account per household. This offer is non-transferrable and available for a limited time offer. Offer subject to change without notice.
3Patriot Equity Line: 0.99% Introductory Rate is in effect for 6 months from the initial note date. On day 183 (after the introductory period), the interest rate is variable subject to change monthly based on The Wall Street Journal Prime Rate minus 0.26% for A+ credit worthy borrowers with a 70% Loan-To-Value Rate. Patriot must be in at least a second lien position. As of October 5, 2018, the rate was 5.25% APR may be higher based on the prevailing variable rate index value, borrower’s credit worthiness, combined Loan-To-Value, and other factors. There is no floor on this line and the maximum APR is 18%. $199 Application Fee. Fee will be refunded by deposit into member’s checking account if at least $15,000 is drawn from the line at account closing. Borrower must have a personal checking account at Patriot at the time of loan/line of credit closing. Member is responsible for Maryland recordation tax – amounts may vary by county and amount borrowed. Subject to credit approval. The minimum line amount is $7,500 and the maximum line amount is $250,000. Property must be the member’s primary residence. Property insurance is required. Offer subject to change without notice. Other restrictions may apply. Interest paid on home equity lines of credit may be tax deductible – consult a tax professional. Other restrictions may apply.
4Home Equity Loan: Annual Percentage Rate of 4.49% as of November 1, 2018 for a fixed rate Home Equity Loan at a 70% Loan-To-Value (LTV) Ratio for 120-month term. For example, the monthly payment would be $103.60 per $10,000 borrowed and does not include taxes and insurance premiums. Your actual payment may vary based on the loan amount, term, APR, credit worthiness, tax and insurance, and other factors. Other rates and terms are available. Rates and loan approval subject to individual credit worthiness. The minimum loan amount is $7,500 and the maximum amount is $250,000. Property must be the borrower’s primary residence. Property insurance is required. Borrower is responsible for Maryland recordation tax – amounts may vary by county and amount borrowed. Rates subject to change without notice. Other restrictions apply.
5Patriot VISA Credit Card: APR=Annual Percentage Rate. APR for balance transfers is 1.64% for twelve billing cycles with no balance transfer fee for qualified buyers. Rate will return to normal rate of 11.99% to 18.00% based on your credit score. The APR will vary with the market based on the Wall Street Journal Prime Rate which was 5.25% as of 11/1/18 plus 6.74% for credit scores over 700. All loans subject to credit approval. Programs, rates, term and conditions are subject to change without notice. Other restrictions may apply.
6Dividend Checking: Minimum Monthly Requirements – To avoid a monthly service fee maintain an average daily balance of $2,500 PLUS direct deposits of $1,500 or 15 completed debit card non-PIN purchases. Annual Percentage Yield is accurate as of 10/01/18. Minimum balance required to earn dividends is $2500. Dividends paid on monthly daily balances up to $20,000. Maintaining balances larger than $20,000 will reduce the APY. Rate is variable and subject to change on a monthly basis. Fees could reduce the earnings on the account. Refund is $1.00 per transaction. Limit of no more than two Dividend Checking accounts per social security/tax identification number.Other restrictions may apply.
7Annual Percentage Yield (APY) of 3.25% on 60 Month Certificate for the $10,000 – $24,999 tier. Other rates and tiers are available with a minimum opening balance of $1,000. Rate effective 10/1o/18 and subject to change without notice. The APY assumes that all interest remains on deposit until maturity. Withdrawals and fees could reduce earnings. Substantial penalty for early withdrawal. At maturity the certificate will automatically renew for a term of 60 months at the prevailing rate. Not valid with any other offer. Other restrictions may apply.
8Rates, terms and conditions subject to change without prior notice. No brokered or public funs accepted. The offered APY assumes that all dividends remain on deposit until maturity. Fees could reduce earnings. Not valid with any other offer. 9Substantial penalty for early withdrawal. 10Minimum balance of $10,000 is required to open this certificate. Features a one-time “step up” opportunity for the member to increase the certificate rate at their discretion to the then 48 month rate any one time during the original term of the certificate. At maturity the certificate will automatically renew for a term of 48 months at the prevailing rate. 11Available in terms of 24 and 60 months. 12Minimum opening deposit of $10,000. Partial withdrawals are not permitted. After the initial term of 9 month, this certificate automatically renews to a 12 Month Certificate (at the prevailing rate) and at that point the early withdrawal penalties for a regular 12 Month Certificate would apply. Other restrictions may apply