Our Most Frequently Asked Questions Q: Why should I become a member at 1st Patriots FCU and not another credit union? A: It's simple. 1st Patriots FCU is a full-service credit union small enough to provide the one-on-one member-time necessary to maintain quality member relationships, but large enough to still provide the same products and services that larger credit unions offer.  At 1st Patriots we put "members 1st". Q: What is the difference between 1st Patriots and other credit unions? A: 1st Patriots is dedicated to its members and to providing them with a sense of belonging.  We have the experience, knowledge, and time spent in the community to handling all member questions and suggest services and programs essential for each individual member.   Q: Who can become a member of 1st Patriots FCU? A: 1st Patriots is a community chartered credit union which means members do not need to belong to a particular company or live with someone who does. The idea behind a community chartered credit union implies a sense of everyone belonging. Therefore, anyone who lives, works, worships, or attends school in York County can become a member. Q: How much does it cost to open a share (savings) account? A: You will need a total of $10. Five dollars is used as a one-time membership fee, and the other five dollars is deposited into the share account. You must always keep this $5 minimum in your share account. Q: How much does it cost to open a draft (checking) account? A: Twenty-five dollars. This $25 fee is used for tele-check processing; however, there is no minimum balance needed to maintain the checking account. Q: When you say full-service credit union, what do you mean? What products/services do you offer? A:  We offer everything from draft (checking) accounts and share (savings) accounts to safe deposit boxes. We also offer loans for vehicles, property, homes, and even farm equipment. Rates begin at only 3.95% APR*. Our investment options available include IRA accounts and Certificate of Deposit Accounts (CD's). When we say full-service, we mean it. We offer almost everything -- with lower interest rates! Just ask!   Still have questions? Please call us: (Rock Hill office) 803.366.6148 or (Fort Mill office) 803.548.9270 or toll free at 1.877.366.6148 Fax: 803.366.9169 *Rates vary based on credit and are subject to change without notice.