Introduction
Patriot Federal Credit Union (PFCU) is a respected financial institution that has served millions of members for over 80 years. Dedicated to providing exceptional financial products and services, PFCU stands for integrity, innovation, and community support. This comprehensive guide will shed light on the benefits, products, and services offered by PFCU, empowering you to make informed financial decisions and achieve your financial goals.
Mission and Values:
PFCU operates under a clear mission: "To provide exceptional financial products and services that empower our members to achieve financial success." Guided by values of integrity, innovation, and community support, PFCU strives to create a positive and inclusive banking experience for all.
Member-Owned and Not-for-Profit:
As a not-for-profit, member-owned financial cooperative, PFCU exists solely to serve its members. The credit union's profits are reinvested back into its products and services, ensuring competitive rates and reduced fees.
Financial Strength and Security:
PFCU maintains a strong financial position with assets exceeding $23 billion and has consistently earned top ratings from independent credit rating agencies. Your funds are protected up to $250,000 by the National Credit Union Administration (NCUA).
Personal Banking:
Home Financing:
Auto Financing:
Additional Services:
PFCU believes in giving back to the communities it serves. The credit union actively supports local organizations, sponsors educational initiatives, and volunteers in various community programs. Through its charitable foundation, PFCU has donated millions of dollars to support local causes and improve the lives of those in need.
Joining PFCU is easy and open to anyone who lives, works, worships, or attends school in certain areas of Virginia, Maryland, or the District of Columbia. To become a member, follow these steps:
Pros:
Cons:
Anyone who lives, works, worships, or attends school in certain areas of Virginia, Maryland, or the District of Columbia.
Complete a membership application, provide proof of identity and eligibility, and open a savings account with a minimum deposit of $5.
PFCU's saving account interest rates vary depending on the type of account and your membership status. Visit the PFCU website or contact a member service representative for current rates.
PFCU offers various accounts with varying fee structures. Some accounts have no monthly maintenance fees, while others may have fees for certain transactions. Refer to the PFCU website or consult with a member service representative for specific fee information.
Yes, PFCU is a safe and secure financial institution. The credit union is insured by the NCUA up to $250,000 per account holder and maintains strong financial ratings.
Enrol in online banking through the PFCU website. Once enrolled, you can manage your accounts, view transactions, pay bills, and more.
Account Type | Minimum Balance | Interest Rate |
---|---|---|
Regular Savings | $100 | 0.15% APY |
Money Market Account | $2,500 | 0.20% APY |
High-Yield Savings | $10,000 | 0.25% APY |
Loan Term | Current Rate (APR) |
---|---|
15-Year Fixed | 3.50% |
30-Year Fixed | 4.25% |
5/1 Adjustable-Rate Mortgage | 3.00% (5-year fixed period) |
Loan Term | Current Rate (APR) |
---|---|
New Vehicle (0-60 months) | 2.99% |
Used Vehicle (0-60 months) | 3.99% |
New Vehicle (61-84 months) | 3.49% |
Used Vehicle (61-84 months) | 4.49% |
Patriot Federal Credit Union stands as a trusted and community-oriented financial institution committed to providing its members with exceptional financial products and services. Guided by its values of integrity, innovation, and community, PFCU empowers individuals and families to achieve their financial goals. From personal banking to home financing, auto loans, and investments, PFCU offers a comprehensive suite of solutions to meet your financial needs. Choosing Patriot Federal Credit Union means choosing a partner that values your financial well-being and invests in the communities it serves. Embrace the benefits of membership and experience the difference that a member-owned and not-for-profit financial cooperative can make in your life.
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