Featured Savings Rates
Featured Accounts

Wright-Patt Credit Union

Popular Accounts at this Credit Union

APYACCOUNT TYPEACCOUNT NAME
2.40%6+ Year CD72 Month CD
2.16%5-year CD60-71 Month CD
2.40%6+ Year IRA72 Month IRA

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 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

Related Posts

Wright-Patt CU (OH) Adds 25-Month CD Special (1.96% APY) - 3/22/2017

Wright-Patt CU (OH) has added a 25-month Share Certificate Special (1.96% APY, $100k; 1.86% APY, $500). Rates on long-term CDs were also raised 6-10 basis points.

Wright-Patt CU (OH) Raises 72-Month CD Rate To 18-Month High - 12/15/2016

Wright-Patt Credit Union (OH) has raised the rate on its 72-month Share Certificate (2.40% APY, $100k+; 2.29% APY, $500+). Also available as an IRA.

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WPCU is a 'people's' bank!

Posted by: Icyis | Sep 28, 2016

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!

Love Wpcu

Posted by: sigma | May 11, 2016

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.

Thoughts on Wright Patt Credit Union

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!

Decent Credit Union

I was pleased to sign up for savings account with Wright-Patt Credit Union because they have a program that gives a high-interest return on the first $500 of savings deposited in the account, and maintained. I also signed up for a service that deposits the change on a store purchase into another savings account. I have accumulated around $40 in this account just over the past three months. It is nice to see the small change add up. The only feature I do not like on these accounts is the online prompts to add mobile banking to my account. I cannot turn the prompt off. When I go to the credit union with a paper check I like that I can also just hand the teller my debit card to make my deposit. I don't have to waste time filling out a slip.

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Health
A+

Health Grade Components

Overall
NCUA #66328
Year Chartered1932
Employees698
Primary Regulator
Profit Margin
Return on Assets - YTD1.15%
Return on Equity - YTD9.74%
Annual Interest Income$117.4MM
Assets and Liabilities
AssetsQ4 2016vs Q4 2015$3.46B$3.20B
LoansQ4 2016vs Q4 2015$2.55B$2.33B
DepositsQ4 2016vs Q4 2015$2.88B$2.68B
Equity CapitalQ4 2016vs Q4 2015$405.6MM$370.6MM
Loan Loss AllowanceQ4 2016vs Q4 2015$19.8MM$17.9MM
Unbacked Noncurrent LoansQ4 2016vs Q4 2015$16.9MM$15.3MM
Real Estate OwnedQ4 2016vs Q4 2015$427.00K$391.00K
Rates
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* 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
3.00%*-$500True Saver
OTHER TIERS: 0.08% $500 - $1k
3.00%*-$500HSA Enhanced
OTHER TIERS: 0.80% $500 - $1k
3.00%*-$500Business Health Savings Account - Enhanced
OTHER TIERS: 0.80% $500+
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%--Business Share Account

Wright-Patt Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.90%*$2,500*-Personal Capital Money Market
OTHER TIERS: 0.15% $100 - $2,500
0.90%*$2,500*-Business Money Market Savings Account
OTHER TIERS: 0.15% $100 - $2,500

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
2.40%*$100k*-72 Month CD
OTHER TIERS: 2.29% $500 - $100k
2.40%*$100k*-Business 72 Month CD
OTHER TIERS: 2.29% $500 - $100k
2.16%*$100k*-60-71 Month CD
OTHER TIERS: 2.06% $500 - $100k
2.16%*$100k*-Business 60 - 71 Month CD
OTHER TIERS: 2.06% $500 - $100k
1.99%*$100k*-48-59 Month CD
OTHER TIERS: 1.89% $500 - $100k
1.99%*$100k*-Business 48 - 59 Month CD
OTHER TIERS: 1.89% $500 - $100k
1.84%*$100k*-35 Month Share Certificate Exclusive
OTHER TIERS: 1.73% $500 - $100k
1.84%*$100k*-Business 35 Month Share Certificate Exclusive
OTHER TIERS: 1.73% $500 - $100k
1.78%*$100k*-36-47 Month CD
OTHER TIERS: 1.68% $500 - $100k
1.78%*$100k*-Business 36 - 47 Month CD
OTHER TIERS: 1.68% $500 - $100k
1.58%*$100k*-24-35 Month CD
OTHER TIERS: 1.48% $500 - $100k
1.58%*$100k*-Business 24 - 35 Month CD
OTHER TIERS: 1.48% $500 - $100k
1.48%*$100k*-18-23 Month CD
OTHER TIERS: 1.38% $500 - $100k
1.48%*$100k*-Business 18 - 23 Month CD
OTHER TIERS: 1.38% $500 - $100k
1.40%*$100k*-12-17 Month CD
OTHER TIERS: 1.30% $500 - $100k
1.40%*$100k*-Business 12 - 17 Month CD
OTHER TIERS: 1.30% $500 - $100k
1.23%*$100k*-6-11 Month CD
OTHER TIERS: 1.13% $500 - $100k
1.23%*$100k*-Business 6 - 11 Month CD
OTHER TIERS: 1.13% $500 - $100k

Wright-Patt Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.40%*$100k*-72 Month IRA
OTHER TIERS: 2.29% $500 - $100k
2.16%*$100k*-60-71 Month IRA
OTHER TIERS: 2.06% $500 - $100k
1.99%*$100k*-48-59 Month IRA
OTHER TIERS: 1.89% $500 - $100k
1.78%*$100k*-36-47 Month IRA
OTHER TIERS: 1.68% $500 - $100k
1.58%*$100k*-24-35 Month IRA
OTHER TIERS: 1.48% $500 - $100k
1.48%*$100k*-18-23 Month IRA
OTHER TIERS: 1.38% $500 - $100k
1.48%*$100k*-18 Month Fixed Add-On IRA
OTHER TIERS: 1.38% $100 - $100k
1.40%*$100k*-12-17 Month IRA
OTHER TIERS: 1.30% $500 - $100k
1.28%*$100k*-18 Month Variable Add-On IRA
OTHER TIERS: 1.18% $100 - $100k
1.23%*$100k*-6-11 Month IRA
OTHER TIERS: 1.13% $500 - $100k
Locations

Wright-Patt Credit Union has 28 locations. Click to view all Wright-Patt Credit Union locations.