Wednesday, June 15, 2022

Patriot Federal Credit Union Mortgage Rates

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Suncoast Credit Union: 040% Apy $500 Minimum Deposit

Why do I work at Patriot Federal Credit Union Sydney Smith’s Story

Suncoast Credit Union was started in 1934 as Hillsborough County Teachers Credit Union. Suncoast Credit Union now has 74 branches and has about 974,000 members.

Suncoast Credit Union is the 10th largest credit union in the U.S., based on membership, and is also the 10th largest based on assets.

  • What a one-year CD pays: 0.4 percent APY.
  • Membership restrictions: People who attend school, live, work or worship in a county in Florida that Suncoast Credit Union serves are welcome to join.
  • Minimum deposit: $500.

Delta Community Credit Union: 050% Apy $1000 Minimum Deposit

Delta Community Credit Union began as the Delta Employees Credit Union in 1940. It was started by eight Delta Air Lines employees. Delta Community Credit Union has about 439,000 members and has 29 branches in metro Atlanta and three branches outside of Georgia.

  • What a one-year CD pays: 0.5 percent APY.
  • Membership restrictions: Anyone living or working in metro Atlanta and employees of more than 150 businesses are welcome at Delta Community Credit Union. Delta Air Lines, Chick-fil-A and UPS are some of the eligible businesses.
  • Minimum deposit: $1,000.

Vystar Credit Union: 045% Apy $500 Minimum Deposit

Headquartered in Jacksonville, Florida, VyStar Credit Union has about 765,000 members and is one of the largest financial institutions in northeast Florida.


VyStar offers share certificates ranging from three months to five years, with a $500 minimum deposit to open. It also offers an 18-month step-up certificate that lets you deposit more money to raise your rate.

  • What a one-year CD pays: 0.45 percent APY.
  • Membership restrictions: VyStar membership is people who live or work in 49 Florida and 10 Georgia counties.
  • Minimum deposit: $500.

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Patriot Fcu Mortgage Interest Rate And Cost Review

Is Patriot FCU a cheap or expensive mortgage lender? To help you shop for a mortgage, we compare the interest rates and closing costs charged by Patriot FCU to those of other lenders for a comparable set of borrowers. Here is our review of Patriot FCU nationally:

Review Item
lower than other lenders
Loan Related Closing Costslower than other lenders
National Rate and Closing Cost Star Rating

On average, Patriot FCUs interest rates were lower than those of other lenders . Its loan related closing costs were also lower than those of other lenders, with a difference of -$450. Overall, combining interest rates and closing costs we estimate that Patriot FCU tends to be a cheap lender, and give it a National Rate and Closing Costs Rating of 4.5 out of 5 stars. This is an excellent rating and places it among the top 15% of lenders nationwide.

We maintain our independence by not accepting any money from the mortgage lenders we review. To visit Patriot FCU, check out its website at: .


Patriot FCUs Rate Review by City

Mortgage lenders often set different rates in different geographical markets. For our list of the top mortgage lenders by city, click here. In particular, among the cities we track Patriot FCU was most active in:

Home Equity Lines Versus Home Equity Loans

Patriot Federal Credit Union

In general, there are two ways to access the equity youve worked so hard to build home equity lines and loans. Both loans types will allow you to use your home as collateral and both are considered to be second mortgages. These types of loans are viewed to carry less risk which is why these types of loans usually carry lower interest rates.

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State Employees Credit Union: 035% Apy $250 Minimum Deposit

State Employees Credit Union serves about 2.6 million members and has 270 branch offices. It was established in 1937 and has its main office in Raleigh, North Carolina.

  • What a one-year CD pays: 0.35 percent APY.
  • Membership restrictions: Youll need to meet one of the State Employees Credit Union eligibility requirements to become a member. Some ways to become a member are by being an employee of the state of North Carolina, being a federal employee assigned to North Carolina state agencies, being an employee of public boards of education or by being a county employee of social services, health, mental health or civil defenses. Immediate family, which includes a spouse, children, parents or siblings, of a current member also may be eligible for membership.
  • Minimum deposit: $250.
  • Early withdrawal penalty: Youll lose at least 30 days of dividends, but no more than 90 days of dividends.

Auto Credit Card & Rv Rates

Table data for Car, Truck, SUV, Van – Fixed Rate Effective 11/17/2021


APR as low as1Used Vehicle APR as low as1Refinancing APR forNo Payments for 90 Days3Alert Me
Representative Example: A $25,000 loan financed at 3.04% APR1 for 84 months would result in 84 payments of $339. Loan rates are based on term and applicant credit history. All loans are subject to credit approval and are subject to Gain Federal Credit Union policies and procedures. Rates are subject to change without prior notice. Rates advertised are best available for vehicles year models 2017 or newer and with less than 125,000 miles. No prepayment penalty. “As low as” rates listed are our best fixed rates on approved credit. Actual interest rate offered may be higher depending upon applicant’s credit rating and other underwriting factors. In some instances we may require borrowers to purchase Guaranteed Asset Protection on new and used auto loans.
  • 1APR = Annual Percentage Rate. This is a promotional rate which is good through 3/31/2022. Promotional rate applies to loans which are new to GainFCU. Refinances of existing Gain FCU loans are not eligible for this rate. All rates subject to change without prior notice.
  • 2APR = Annual Percentage Rate
  • 3Available for vehicles 5 years old and newer. Offer not available for first time buyers or JumpStart Auto Loans. Interest will accrue during 90-day period. Not all customers will qualify. Other financing options are available.

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Why You Can Trust Bankrate

Founded in 1976, Bankrate has a long track record of helping people make smart financial choices. Weve maintained this reputation for over four decades by demystifying the financial decision-making process and giving people confidence in which actions to take next.

Bankrate follows a strict editorial policy, so you can trust that were putting your interests first. All of our content is authored by highly qualified professionals and edited by subject matter experts, who ensure everything we publish is objective, accurate and trustworthy.

Our banking reporters and editors focus on the points consumers care about most the best banks, latest rates, different types of accounts, money-saving tips and more so you can feel confident as youre managing your money.

Alliant Credit Union: 055% Apy $1000 Minimum Deposit

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In 1935, whats now Alliant Credit Union was founded as the United Airlines Employees Credit Union. Alliant currently has approximately 600,000 members nationwide.


Alliant offers competitive APYs with low minimum balance requirements for CDs. Alliant also has traditional individual retirement account CDs, Roth IRA CDs and SEP IRA CDs.

  • What a one-year CD pays: 0.55 percent APY.
  • Membership restrictions: Current employees or those who are retired from a business that partners with Alliant Credit Union may be eligible to join the credit union. You may also be able to join by belonging to an organization that Alliant Credit Union partners with. You can also qualify to join Alliant Credit Union if you live or are employed in a community near its Chicago headquarters. If those circumstances dont apply to you, you can make a one-time $5 payment and Alliant Credit Union will donate that money to Foster Care to Success so you can become an Alliant Credit Union member.
  • Minimum deposit: $1,000.
  • Early withdrawal penalty: Dividends on the number of days the CD is open, up to 90 days.

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Security Service Federal Credit Union: 055% Apy $25000 Minimum Deposit

Security Service Federal Credit Union was founded in 1956 to serve the needs of members and families of the U.S. Air Force Security Service Command.

Based in San Antonio, it offers a full slate of consumer banking products, such as checking and savings accounts, mortgages, auto loans and credit cards.

  • What a one-year CD pays: 0.55 percent APY.
  • Membership restrictions: People who live, work, worship, attend school, volunteer or have a business in Colorado, Texas or Utah are eligible to join, as are members of select military branches or units and Department of Defense employees at specific military bases within the credit unions service area. Members families and household members also can join.
  • Minimum deposit for the APY: $25,000.
  • Early withdrawal penalty: forfeit all dividends earned, not to exceed 90 days of dividends, with minimum of 30 days of dividends.

Navy Federal Credit Union: 055% Apy $1000 Minimum Deposit

Navy Federal Credit Union has about 10 million members and is the worlds largest credit union. It has a global network of 340 branches and is headquartered in Vienna, Virginia.


In addition to CDs, Navy Federal Credit Union also offers checking and savings accounts, loans and credit cards.

  • What a one-year CD pays: 0.55 percent APY.
  • Membership restrictions: Membership at Navy Federal Credit Union is open to all Department of Defense and Coast Guard Active Duty, civilian, contract personnel, veterans and their families.
  • Minimum deposit: $1,000.
  • Early withdrawal penalty: The lesser of all dividends for 90 days on the amount that you withdraw or all of the dividends withdrawn since the certificate was issued or renewed.

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Loans For All Of Our Members’ Needs

Your credit union offers a wide range of consumer loans to meet all of our members’ needs. Our members can borrow with confidence that they are going to get a great rate with expert service.

For mortgage rates, please contact one of our Real Estate Loan Officers.

LOAN TYPE
*$15,000 & above term up to 72 months*$25,000 & above term up to 84 months
For Visa Rewards Card add 1.00% to rate – More Details
Personal
*$20,000 & above term up to 72 months*$30,000 & above term up to 84 months
Boat*$15,000 & above term up to 84 months*$30,000 & above term up to 144 months
Motorcycle
*$15,000 & above term up to 84 months*$30,000 & above term up to 144 months
Miscellaneous Equipment
* loans secured by share certificates, term is up to maturity date
*contact credit union for further details**12 months, loan amount $1,000**18 months, loan amount $1,500**24 months, loan amount $2,000
Mortgage Rates*contact our Mortgage Center for current rates, fees, and qualifications
Home Equity**contact credit union for further fees, rules and restrictions**For 61-120 months, add .50% APR**For 121-180 months, add 0.75% APR**For 181-240 months, add 1.00% APR**For 2nd Lien, add an additional 1.00% APR
Land Loan
Up to 60 monthsN/A
All rates quoted in Annual Percentage Rate. Actual rates may vary based upon credit qualifications and are subject to change without prior notification.

Bethpage Federal Credit Union: 060% Apy $50 Minimum Deposit

Patriot Federal Credit Union

Bethpage Federal Credit Union is one of the largest credit unions in the U.S., with about 417,000 members. It opened in 1941 for Grumman employees. Anyone who opens a $5 savings account can become a member.


Bethpage offers nine terms of CDs, ranging from three months to five years, and a 39-month bump-up CD.

  • What a one-year CD pays: 0.6 percent APY.
  • Membership restrictions: Bethpage FCU membership is open to anyone who opens a savings account with $5.
  • Minimum deposit: $50.

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Schoolsfirst Federal Credit Union: 050% Apy $20000 Minimum Deposit

SchoolsFirst Federal Credit Union was formed during the Great Depression in 1934. The credit union, created by school employees, has 50 branches.

SchoolsFirst Federal Credit Union has low minimum balances and CD terms from as short as 30 days to as long as five years. The more money you put in your CD, the higher the APY. CDs at this credit union have four balance tiers: $500, $20,000, $50,000 or $100,000.

  • What a one-year CD pays: 0.5 percent APY, $20,000 minimum deposit.
  • Membership restrictions: SchoolsFirst FCU serves the California educational community. Certain school employees, certain retired school employees and immediate family members of existing SchoolsFirst FCU members may be able to join.
  • Minimum deposit: $20,000 for this APY.
  • Early withdrawal penalty: 90 days of dividends.

Get Your Loan At The Dealership:

We have partnered with a number of local dealerships so that you can purchase your new car, truck, or van in only one stop. Remove the hassle of visiting a branch without having to pay the high interest rates that are usually offered through dealership financing, giving you a lower monthly payment. Just tell the salesperson at one of our preferred dealerships that you would like to finance your car with a loan from Patriot Federal Credit Union.


For more information and a checklist of what youll need when financing your vehicle at a participating Patriot auto dealership, check out our Dealer Purchase FAQ page.

Patriot prides itself on being a convenient place in our communities that is able to provide access to vehicle loans that not only meet your needs, but are originated by staff who care. All loan decisions are made locally, right here in your community. Our vehicle loans are offered online, at our branches and at our preferred local dealers throughout these communities.

All of our vehicle loans offer:

  • Up to 100% financing
  • Flexible terms available
  • Secured by title

For more information and a checklist of what youll need when financing your private vehicle purchase, check out our Private Vehicle Purchase FAQ page.

If youre looking to refinance your current vehicle loan, we can help. Check out our Vehicle Refinance FAQ page for more information and a checklist of what youll need to refinance your existing vehicle loan.


800 Wayne Ave

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Pentagon Federal Credit Union: 085% Apy $1000 Minimum Deposit

Pentagon Federal Credit Union was established in 1935. It is based in McLean, Virginia, and has about 2.1 million members.

PenFed has nine terms of CDs, ranging from six months to seven years.

  • What a one-year CD pays: 0.85 percent APY.
  • Membership restrictions: Everyone is eligible to apply for PenFed membership. All that is needed is to open and maintain a savings account with at least $5 in it. Some products may require military affiliation to receive certain benefits of the product.
  • Minimum deposit: $1,000.

Links To Third Party Sites

NFCU Conventional Fixed Rate Mortgage Review

You are now leaving the Maine Highlands Federal Credit Union website.When you click on Proceed, you will be transferred to a website that is not operated by the credit union.MHFCU is not responsible for the content on the alternate site.MHFCU does not represent the third party or the member if the two enter into a transaction.Privacy, security, and accessibility policies of the alternate site may differ from those practiced by the credit union.


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Serving Our Community Since 1965

Patriot Federal Credit Union has been helping members achieve financial success in our community since 1965, when the Credit Union was first formed. Patriot is governed by member-volunteers elected to the Board of Directors and managed by experienced financial professionals.

At Patriot Federal Credit Union, youre more than an account numberyoure an owner! Patriot Federal Credit Union is a not-for-profit financial cooperative owned and operated by members like you. We have no stockholders to pay, resulting in higher dividend rates on deposit accounts, minimal fees and lower interest rates on loans.

Important Information About Procedures For Opening A New Account

The USA Patriot Act requires credit unions to take extra security precautionsto help the government fight the funding of terrorism and money launderingactivities. Federal law requires all financial institutions to obtain, verify,and record information that identifies each person who opens an account. These procedures are designed to prevent crimes such as identity theft andaccount fraud that terrorists commit to finance their operations against theU.S. and its citizens.

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A Short History Of Patriot Fcu

Since its inception in 1965 the Patriot Federal Credit Union has been serving its members in the Chambersburg, Pennsylvania area with exceptional financial products. You can find their current interest rates on used car loans, new car loans, 1st mortgage loans and interest rates on both fixed and adjustable mortgages here on these pages. Currently led by Brad Warner, the Patriot FCU has grown its membership to over 56,687 with assets of more than $587,626,731. They have a main office and 9 branch offices. Please see the credit unions website or contact them by phone at 263-4444 or email them at membersvc@patriotfcu.org to get exact details . There are many other credit unions in the local area. See them all here. .

Pros And Cons Of Credit Union Cds

Patriot Federal Credit Union

Brick-and-mortar banks can be pretty stingy when it comes to paying interest on savings accounts. In many cases, their CD rates arent impressive either.

But finding a credit union offering competitive rates on CDs is fairly easy. As member-owned institutions, credit unions operate for the benefit of their customers.

The drawback? You may not have access to a credit union share certificate if you cannot qualify for membership. Many credit unions are easy to join, but there are still institutions that have restrictions based on where you live or work or the group youre affiliated with.

Like certificates of deposit at banks, credit union share certificates may also automatically renew after the term expires. For that reason, its important to keep track of your investments, should the need arise to use the funds before the certificate has matured, which would likely result in an early withdrawal penalty.

Here are some credit unions offering todays best widely available 1-year CD rates:

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