Wright-Patt Credit Union


Popular Accounts at this Credit Union

APYACCOUNT TYPEHOW THEY COMPARE
2.97%6+ Year CD
2.85%5-year CD
2.97%6+ Year IRA
View all Wright-Patt Credit Union rates »

Overview / Commentary
937-912-7000
3560 Pentagon Blvd
Beavercreek, OH 45431

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.

Field of Membership Restrictions

Membership in Wright-Patt Credit Union is open to: (1) residents and those who attend school, work or worship in the following counties: Warren, Preble, Union, Pickaway, Miami, Montgomery, Madison, Licking, Hamilton, Greene, Fairfield, Franklin, Darke, Delaware, Clinton, Clark, Champaign, Butler or Clermont; (2) Civilian and military employees of Wright-Patterson Air Force Base, and personnel living within the 14-county section adjoining the Fairborn area, and government employees living near WPAFB where a credit union is not available, and retired U.S. Government civilian and military personnel. (3) Faculty, staff, students and Alumni Associates of Wright State University. (4) Specific relatives, children and spouses of current members in WPCU, and certain Select Employer Groups – eligibility can be confirmed by searching the credit union’s exhaustive list of SEGs.
See current membership details

Related Posts

Wright-Patt Credit Union (OH) Adds 27-Month CD Special, 3.14% APY - 3/11/2019

Wright-Patt Credit Union (OH) has added a limited-time 27-month Share Certificate Special with tiered APYs: 3.14% APY ($100k) and 3.04% APY ($500).

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WPCU Rate Increases

Posted by: RG | Feb 16, 2019

WPCU recently raised interest rate on Truesaver accounts. 5.84% on first $500. I had to do a double take when i saw that posted on their website!

The bank also raised the interest rate on their Visa low rate platinum credit card to 8.50%, which was not surprising given recent interest rate trends. I was hoping to see a rate jump in their savings products and they delivered.

I have been a long time customer and have had nothing but positive experiences.

An Awesome Bank

I started my relationship via an auto loan, then shortly I opened a checking and a savings account. A month later they gave me what no other bank would and that was a credit limit that beyond my wildest dreams. I have had nothing but great experiences with Wright-Patt I'm so happy I decided to leave PNC Bank.

Always willing to resolve

I have had a few mishaps with my account but they are always able to sit down with me and resolve the issue right there. They follow the chain and figure out the confusion. When applying for new loans as well the process is very quick and easy with little wait time for the answer.

Great place to do business

I have a savings account and car loan from WPCU and couldn't be happier. Their rates are reasonable, the staff is always helpful and friendly and the location is convenient if I ever need to go to the bank proper. I plan on giving them more of my business in the future.

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Health

Health Grade Components

Overall
NCUA #66328
Year Chartered1932
Employees777
Primary Regulator
Profit Margin
Return on Assets - YTD1.28%
Return on Equity - YTD11.27%
Annual Interest Income$165.9MM
Assets and Liabilities
AssetsQ4 2018vs Q4 2017$4.43B$4.04B
LoansQ4 2018vs Q4 2017$3.36B$2.88B
DepositsQ4 2018vs Q4 2017$3.82B$3.44B
Equity CapitalQ4 2018vs Q4 2017$498.3MM$446.2MM
Loan Loss AllowanceQ4 2018vs Q4 2017$26.8MM$22.4MM
Unbacked Noncurrent LoansQ4 2018vs Q4 2017$31.9MM$19.8MM
Real Estate OwnedQ4 2018vs Q4 2017$1.1MM$2.3MM
Rates
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Always verify rates and promotions with the bank or credit union. We are not Wright-Patt Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Wright-Patt Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
6.00%*-$500True Saver
OTHER TIERS: 0.15% $500 - $1k
6.00%*-$500HSA Enhanced
OTHER TIERS: 0.80% $500 - $1k
0.80%--HSA Basic
0.15%--Easy Saver Share
0.15%--Club Accounts
0.15%--Secondary Share
0.15%$5-Business Share Account

Wright-Patt Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.61%*$50k*-Personal Capital Money Market
OTHER TIERS: 0.15% $100 - $2.5k | 1.41% $2.5k - $10k | 1.51% $10k - $50k
1.61%*$50k*-Business Money Market Savings Account
OTHER TIERS: 0.15% $100 - $2.5k | 1.41% $2.5k - $10k | 1.51% $10k - $50k

Wright-Patt Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.08%*$25k*-Checking with Dividends
OTHER TIERS: 0.04% Up to $25k
0.08%*$25k*-Business Dividend Choice Checking
OTHER TIERS: 0.04% Up to $25k
0.08%*$25k*-Business Mission-Based Checking
OTHER TIERS: 0.04% Up to $25k
0.04%$1k-Select Checking

Wright-Patt Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.14%*$100k*-27 Month CD Special
OTHER TIERS: 3.04% $500 - $100k
3.14%*$100k*-Business 27 Month CD Special
OTHER TIERS: 3.04% $500 - $100k
2.97%*$100k*-72 Month CD
OTHER TIERS: 2.87% $500 - $100k
2.97%*$100k*-Business 72 Month CD
OTHER TIERS: 2.87% $500 - $100k
2.89%*$100k*-15 Month CD Special
OTHER TIERS: 2.79% $500 - $100k
2.89%*$100k*-Business 15 Month CD Special
OTHER TIERS: 2.79% $500 - $100k
2.85%*$100k*-60 - 71 Month CD
OTHER TIERS: 2.74% $500 - $100k
2.85%*$100k*-Business 60 - 71 Month CD
OTHER TIERS: 2.74% $500 - $100k
2.73%*$100k*-48 - 59 Month CD
OTHER TIERS: 2.63% $500 - $100k
2.73%*$100k*-Business 48 - 59 Month CD
OTHER TIERS: 2.63% $500 - $100k
2.61%*$100k*-36 - 47 Month CD
OTHER TIERS: 2.51% $500 - $100k
2.61%*$100k*-Business 36 - 47 Month CD
OTHER TIERS: 2.51% $500 - $100k
2.46%*$100k*-24 - 35 Month CD
OTHER TIERS: 2.36% $500 - $100k
2.46%*$100k*-Business 24 - 35 Month CD
OTHER TIERS: 2.36% $500 - $100k
2.32%*$100k*-18 - 23 Month CD
OTHER TIERS: 2.22% $500 - $100k
2.32%*$100k*-Business 18 - 23 Month CD
OTHER TIERS: 2.22% $500 - $100k
2.17%*$100k*-12 - 17 Month CD
OTHER TIERS: 2.07% $500 - $100k
2.17%*$100k*-Business 12 - 17 Month CD
OTHER TIERS: 2.07% $500 - $100k
2.02%*$100k*-6 - 11 Month CD
OTHER TIERS: 1.92% $500 - $100k
2.02%*$100k*-Business 6 - 11 Month CD
OTHER TIERS: 1.92% $500 - $100k

Wright-Patt Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.14%*$100k*-27 Month IRA Special
OTHER TIERS: 3.04% $500 - $100k
3.14%*$100k*-Business 27 Month IRA Special
OTHER TIERS: 3.04% $500 - $100k
2.97%*$100k*-72 Month IRA
OTHER TIERS: 2.87% $500 - $100k
2.97%*$100k*-72 Month Roth IRA
OTHER TIERS: 2.87% $500 - $100k
2.89%*$100k*-15 Month IRA Special
OTHER TIERS: 2.79% $500 - $100k
2.89%*$100k*-Business 15 Month IRA Special
OTHER TIERS: 2.79% $500 - $100k
2.85%*$100k*-60 - 71 Month IRA
OTHER TIERS: 2.74% $500 - $100k
2.85%*$100k*-60 - 71 Month Roth IRA
OTHER TIERS: 2.74% $500 - $100k
2.73%*$100k*-48 - 59 Month IRA
OTHER TIERS: 2.63% $500 - $100k
2.73%*$100k*-48 - 59 Month Roth IRA
OTHER TIERS: 2.63% $500 - $100k
2.61%*$100k*-36 - 47 Month IRA
OTHER TIERS: 2.51% $500 - $100k
2.61%*$100k*-36 - 47 Month Roth IRA
OTHER TIERS: 2.51% $500 - $100k
2.46%*$100k*-24 - 35 Month IRA
OTHER TIERS: 2.36% $500 - $100k
2.46%*$100k*-24 - 35 Month Roth IRA
OTHER TIERS: 2.36% $500 - $100k
2.32%*$100k*-18 - 23 Month IRA
OTHER TIERS: 2.22% $500 - $100k
2.32%*$100k*-18 Month Fixed Add-On IRA
OTHER TIERS: 2.22% $100 - $100k
2.32%*$100k*-18 - 23 Month Roth IRA
OTHER TIERS: 2.22% $500 - $100k
2.32%*$100k*-18 Month Fixed Add-On Roth IRA
OTHER TIERS: 2.22% $100 - $100k
2.17%*$100k*-12 - 17 Month IRA
OTHER TIERS: 2.07% $500 - $100k
2.17%*$100k*-12 - 17 Month Roth IRA
OTHER TIERS: 2.07% $500 - $100k
2.12%*$100k*-18 Month Variable Add-On IRA
OTHER TIERS: 2.02% $100 - $100k
2.12%*$100k*-18 Month Variable Add-On Roth IRA
OTHER TIERS: 2.02% $100 - $100k
2.02%*$100k*-6 - 11 Month IRA
OTHER TIERS: 1.92% $500 - $100k
2.02%*$100k*-6 - 11 Month Roth IRA
OTHER TIERS: 1.92% $500 - $100k
Locations

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