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2455 Executive Park Blvd
Fairborn, OH 45324-6219

Wright-Patt Credit Union is headquartered in Fairborn and is the largest credit union in the state of Ohio. It is also the 45th largest credit union in the nation. It was established in 1932 and as of March of 2014, it had grown to 553 employees and 275,053 members. Wright-Patt Credit Union's savings rates are 6X the national average, and it boasts a A+ health rating.

Field of Membership Restrictions

In addition to those who work at the Wright-Patterson Air Force Base, credit union membership is open to retired United States government military and civilian personnel. It's also open to those who live, work, worship or attend school in Montgomery, Greene, Warren, Miami, Clark, Clinton, Champaign, or Hamilton counties in Ohio. There's also a long list of select groups which can qualify you for membership. Refer to the credit union's eligibility page for the membership details. - See Details

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Higher Long-Term CD Rates at Wright-Patt Credit Union in Ohio - 8/30/2013

Wright-Patt Credit Union increased its long-term CD and IRA CD rates, and they’re now very competitive. This is one of the rare institutions that offer 6-year terms. Its Jumbo 6-year CD APY increased ...

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Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Wright-Patt Credit Union had $11.15 million in non-current loans and owned real-estate with $326.81 million in equity and loan loss allowances on hand to cover it. This gives Wright-Patt Credit Union a Texas Ratio of 3.41% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Wright-Patt Credit Union decreased slightly from 4.15% as of March 31, 2013 to 3.41% as of March 31, 2014, resulting in a positive change of 17.75%.This indicates that the balance sheet and financial strength for Wright-Patt Credit Union has improved slightly in recent periods.

Deposit Growth


In the past year, Wright-Patt Credit Union has increased its total deposits by $152.06 million, resulting in 6.67% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Wright-Patt Credit Union has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Wright-Patt Credit Union has $2.82 billion in assets with $326.81 million in equity, resulting in a capitalization level of 11.58%, which is excellent.

Institution Statistics

NCUA #66328
Year Chartered1932
Primary Regulator
Assets and Liabilities
Assets$2.82 billion
Loans$1.87 billion
Deposits$2.43 billion
Equity Capital$313.43 million
Loan Loss Allowance$13.39 million
Unbacked Noncurrent Loans$10.22 million
Real Estate Owned$931,000
Historic Data - March 2013
Assets$2.64 billion
Equity Capital$286.40 million
Loan Loss Allowance$12.15 million
Unbacked Noncurrent Loans$10.22 million
Real Estate Owned$617,000
Profit Margin - Quarterly
Net Interest Margin0.98%
Return on Assets1.24%
Return on Equity11.18%
Interest Income$22.30 million

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Wright-Patt Credit Union Savings Account Rates

3.00%-$500TrueSaver - Qualifying
3.00%-$500HSA Enhanced
3.00%-$500Business Health Savings Account - Enhanced
0.80%--HSA Basic
0.80%--Business Health Savings Account - Basic
0.08%--Easy Saver Share
0.08%--Club Accounts
0.08%--Secondary Share
0.08%-$500TrueSaver - Non Qualifying
0.08%--Business Share Account

Wright-Patt Credit Union Money Market Rates

0.15%$50k-Personal Capital Money Market
0.15%$50k-Business Money Market Savings Account

Wright-Patt Credit Union Checking Account Rates

0.08%$25k-Checking with Dividends
0.08%$25k-Business Plus/Premium Checking
0.04%$1k-Select Checking

Wright-Patt Credit Union CD Rates

2.30%$100k-72 Month CD
2.30%$100k-Business 72 Month CD
2.05%$100k-60-71 Month CD
2.05%$100k-Business 60 - 71 Month CD
1.76%$100k-48-59 Month CD
1.76%$100k-Business 48 - 59 Month CD
1.33%$100k-36-47 Month CD
1.33%$100k-Business 36 - 47 Month CD
0.84%$100k-24-35 Month CD
0.84%$100k-Business 24 - 35 Month CD
0.63%$100k-18-23 Month CD
0.63%$100k-Business 18 - 23 Month CD
0.45%$100k-12-17 Month CD
0.45%$100k-Business 12 - 17 Month CD
0.35%$100k-6-11 Month CD
0.35%$100k-Business 6 - 11 Month CD

Wright-Patt Credit Union IRA Rates

2.30%$100k-72 Month IRA
2.05%$100k-60-71 Month IRA
1.76%$100k-48-59 Month IRA
1.33%$100k-36-47 Month IRA
0.84%$100k-24-35 Month IRA
0.63%$100k-18-23 Month IRA
0.63%$100k-18 Month Fixed Add-On IRA
0.45%$100k-12-17 Month IRA
0.43%$100k-18 Month Variable Add-On IRA
0.35%$100k-6-11 Month IRA

Wright-Patt Credit Union has 26 locations. Click to view all Wright-Patt Credit Union locations.