Headquartered in Beavercreek, OH, Wright-Patt Credit Union serves over 300,000 members throughout central and southwest Ohio, offering a full range of financial products and services.
As for personal deposit products, Wright-Patt provides personal savings accounts, health savings accounts (HSAs), money market accounts, checking accounts, Certificates of Deposit (CDs), and Individual Retirement Accounts (IRAs).
The credit union’s personal savings accounts include accounts that automatically fund with the change from debit card purchases, short-term, interest-bearing “club” accounts, and savings accounts for children and students. Speaking of students, Wright-Patt also provides special relationship banking perks to students who bundle together accounts.
Wright-Patt’s checking account options include both interest and non-interest-bearing accounts. Its CD terms range from 6 to 72 months and IRA products include Traditional and Roth options.
For its business customers looking to deposit funds, Wright-Patt offers business savings accounts, business HSAs, business money market accounts, business checking accounts (which vary based upon transaction volume), and business CDs.
Wright-Patt Credit Union was established in 1932 as the F.E.U. Local #148 Credit Union. The credit union is insured by the National Credit Union Administration (NCUA), and it offers its customers convenient and secure access to funds via online and mobile banking options.
Membership in Wright-Patt Credit Union is open to those who live, work, attend school, or worship in Butler, Champaign, Clark, Clermont, Clinton, Darke, Delaware, Fairfield, Franklin, Greene, Hamilton, Licking, Madison, Miami, Montgomery, Pickaway, Preble, Union, and Warren Counties in Ohio. Membership is also open to civilian employees and military personnel of Wright-Patterson Air Force Base; military personnel living within a 14-county area around Fairborn; employees, students, and faculty of Wright State University; members of the WSU Alumni Association; and employees of more than 1,200 SEGs.
See current membership details
Wright Patt Credit Union is more than a bank and credit union. They make sure to personalize their service to their customers on multiple levels. From knowing your name when you walk in the door to helping you decide the best savings plan for you, WPCU really is there to help. For me personally, WPCU staff has guided me to the path of financial stability by helping me plan out debt relief, save for the future, choose the best form of checking, and choose the best form of account protection. They are always very cheerful and helpful whether you go to the bank in person or call on the phone. Recently, they took the time to redo their online banking site to make it much more user friendly and it is a great tool!
I've had an account with Wright-Patt since high school, I love everything they do for their customers and for the area around them. I don't usually wait in lines long when I go to the actual branch, although I do most of my banking online or via the app. Any issues I've had were resolved quickly and didn't cause any major issues in my life. I plan to keep banking here as long as I can. With a potential move coming, I'm not sure if there will be any branches near me anymore. I hope the next credit union I find is a great as this one. As you can tell, I'm really happy with everything Wright Patt has done for me. When I lock myself out of my account, the service reps are always helpful and quick. I've actually suggested this bank to several friends and they are happy with the service as well.
Wright Patt Credit Union really is the best banking experience around my area. You really can tell that they are a member owned organization and not a large coporate bank. Everything they do and offer is centered around the customer and providing they the most rewarding and csot savings experience. the free checking account is really free, with no hidden fees. they dont charge you to use another banks atm's and they offer great interest rates in their savings accounts. i could not reccomend WPCU enough!
Before banking with Wright Patt Credit Union I banked with a large national bank. My experience with them was generally bad. There were tons of hidden fees, maintenance charges, etc. This is far from the case with Wright Patt Credit Union. Totally free checking at Wright really means totally free. There are no maintenance charges and you are not nickel and dimed. Wright Patt has numerous ATM's throughout the area and if by chance you can't find a Wright Patt ATM they have no ATM fees and will reimburse you for up to $15 dollars a month for the other banks ATM fees! Another great feature about Wright Patt Credit Union is there progressive approach to identity protection. You can not be too safe in this day and age. Wright Patt has always been proactive instead of reactive in these situations. Some other things to love about Wright Patt Credit Union are there always friendly associates and also there unconventional hours(many locations open on Sunday and extended hours on Saturdays). Looking back I do not know how I ever banked somewhere else!
|Return on Assets - YTD||1.25%|
|Return on Equity - YTD||10.78%|
|Annual Interest Income||$64.9MM|
|Assets and Liabilities|
|Assets||Q2 2017vs Q2 2016||$3.80B$3.31B|
|Loans||Q2 2017vs Q2 2016||$2.72B$2.39B|
|Deposits||Q2 2017vs Q2 2016||$3.23B$2.77B|
|Equity Capital||Q2 2017vs Q2 2016||$430.0MM$397.1MM|
|Loan Loss Allowance||Q2 2017vs Q2 2016||$21.1MM$18.8MM|
|Unbacked Noncurrent Loans||Q2 2017vs Q2 2016||$15.5MM$13.8MM|
|Real Estate Owned||Q2 2017vs Q2 2016||$237.00K$1.0MM|
Rates for Wright-Patt Credit Union are currently being reviewed.