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Wright-Patt Credit Union


Overview / Commentary
www.wpcu.coop
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 Ohio counties of Butler, Champaign, Clark, Clermont, Clinton, Darke, Delaware, Fairfield, Franklin, Greene, Hamilton, Licking, Madison, Miami, Montgomery, Pickaway, Preble, Union, or Warren; (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

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Reviews (2)

Stay Away!

Posted by: |

I tried to use Wright Patterson Credit Union to finance a condo I was buying. Before I made an offer, the loan officer I was working with (Aaron Snow) was very unresponsive. I had to setup an account in order to use them as my financing option. It took over 2 weeks just to setup a checking account! There were several issues that they ran into as we approached the proposed closing date. After Aaron made several false promises, I was informed on our proposed closing day that they would not proceed with my mortgage. To make matters worse, they did not refund the deposit I made. I ended up losing out on my dream condo because of Wright Patterson!

Stay as far away from Wright Patterson Credit Union as possible! A nightmarish experience…

1

Don't Bank Here

Posted by: |

They used to be a good bank but have definitely fallen off. They care more about the money than helping their own customers out. They've sent me debt cards where the strip wears out in a month. Then you can never get customer service on the phone. Between having bad business hours and having a long wait time for calls. Plus they don't help their customers out when they have legitimate probelms

5


Health
A

Data as of Q2 2024

Learn why bank health matters

Health Grade Components

Overall
NCUA #66328
Year Chartered1932
Employees1352
Primary Regulator
Profit Margin
Return on Assets - YTD0.78%
Return on Equity - YTD8.46%
Annual Interest Income$244.4MM
Assets and Liabilities
AssetsQ2 2024vs Q2 2023$8.7B$8.14B
LoansQ2 2024vs Q2 2023$6.31B$5.88B
DepositsQ2 2024vs Q2 2023$7.23B$6.73B
Equity CapitalQ2 2024vs Q2 2023$795.3MM$734.3MM
Loan Loss AllowanceQ2 2024vs Q2 2023$89.9MM$62.9MM
Unbacked Noncurrent LoansQ2 2024vs Q2 2023$56.3MM$41.5MM
Real Estate OwnedQ2 2024vs Q2 2023$1.3MM$1.2MM
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
7.00%*$0$500True Saver
OTHER TIERS: 0.25% → $500 - $1k
6.00%*$0$500HSA Enhanced
OTHER TIERS: 0.80% → $500 - $1k
6.00%*$0$500Business HSA Enhanced
OTHER TIERS: 0.80% → $500+
0.80%$0-HSA Basic
0.80%$0-Business HSA Basic
0.25%$0-Secondary Share
0.25%$5-Business Share Account
0.15%$0-Easy Saver Share
0.15%$0-Club Account

Wright-Patt Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.09%$100-Business Money Market Savings Account
3.09%$100-Money Market Savings Account

Wright-Patt Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.08%*$25k*-Checking with Dividends
OTHER TIERS: 0.04% → $0 - $25k
0.08%*$25k*-Business Dividend Choice Checking
OTHER TIERS: 0.04% → $0 - $25k
0.08%*$25k*-Business Mission-Based Checking
OTHER TIERS: 0.04% → $0 - $25k

Wright-Patt Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.48%*$100k*-6 - 11 Month CD
OTHER TIERS: 4.38% → $500 - $100k
4.48%*$100k*-12 - 17 Month CD
OTHER TIERS: 4.38% → $500 - $100k
4.48%*$100k*-Business 6 - 11 Month CD
OTHER TIERS: 4.38% → $500 - $100k
4.48%*$100k*-Business 12 - 17 Month CD
OTHER TIERS: 4.38% → $500 - $100k
4.33%*$100k*-18 - 23 Month CD
OTHER TIERS: 4.23% → $500 - $100k
4.33%*$100k*-Business 18 - 23 Month CD
OTHER TIERS: 4.23% → $500 - $100k
4.07%*$100k*-24 - 35 Month CD
OTHER TIERS: 3.97% → $500 - $100k
4.07%*$100k*-Business 24 - 35 Month CD
OTHER TIERS: 3.97% → $500 - $100k
3.82%*$100k*-72 Month CD
OTHER TIERS: 3.71% → $500 - $100k
3.82%*$100k*-Business 72 Month CD
OTHER TIERS: 3.71% → $500 - $100k
3.71%*$100k*-36 - 47 Month CD
OTHER TIERS: 3.61% → $500 - $100k
3.71%*$100k*-48 - 59 Month CD
OTHER TIERS: 3.61% → $500 - $100k
3.71%*$100k*-60 - 71 Month CD
OTHER TIERS: 3.61% → $500 - $100k
3.71%*$100k*-Business 36 - 47 Month CD
OTHER TIERS: 3.61% → $500 - $100k
3.71%*$100k*-Business 48 - 59 Month CD
OTHER TIERS: 3.61% → $500 - $100k
3.71%*$100k*-Business 60 - 71 Month CD
OTHER TIERS: 3.61% → $500 - $100k

Wright-Patt Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.48%*$100k*-6 - 11 Month IRA
OTHER TIERS: 4.38% → $500 - $100k
4.48%*$100k*-12 - 17 Month IRA
OTHER TIERS: 4.38% → $500 - $100k
4.48%*$100k*-6 - 11 Month Roth IRA
OTHER TIERS: 4.38% → $500 - $100k
4.48%*$100k*-12 - 17 Month Roth IRA
OTHER TIERS: 4.38% → $500 - $100k
4.33%*$100k*-18 - 23 Month IRA
OTHER TIERS: 4.23% → $500 - $100k
4.33%*$100k*-Fixed Rate Add-On IRA
OTHER TIERS: 4.23% → $100 - $100k
4.33%*$100k*-18 - 23 Month Roth IRA
OTHER TIERS: 4.23% → $500 - $100k
4.33%*$100k*-Fixed Rate Add-On Roth IRA
OTHER TIERS: 4.23% → $100 - $100k
4.13%*$100k*-Variable Rate Add-On IRA
OTHER TIERS: 4.02% → $100 - $100k
4.13%*$100k*-Variable Rate Add-On Roth IRA
OTHER TIERS: 4.02% → $100 - $100k
4.07%*$100k*-24 - 35 Month IRA
OTHER TIERS: 3.97% → $500 - $100k
4.07%*$100k*-24 - 35 Month Roth IRA
OTHER TIERS: 3.97% → $500 - $100k
3.82%*$100k*-72 Month IRA
OTHER TIERS: 3.71% → $500 - $100k
3.82%*$100k*-72 Month Roth IRA
OTHER TIERS: 3.71% → $500 - $100k
3.71%*$100k*-36 - 47 Month IRA
OTHER TIERS: 3.61% → $500 - $100k
3.71%*$100k*-48 - 59 Month IRA
OTHER TIERS: 3.61% → $500 - $100k
3.71%*$100k*-60 - 71 Month IRA
OTHER TIERS: 3.61% → $500 - $100k
3.71%*$100k*-36 - 47 Month Roth IRA
OTHER TIERS: 3.61% → $500 - $100k
3.71%*$100k*-48 - 59 Month Roth IRA
OTHER TIERS: 3.61% → $500 - $100k
3.71%*$100k*-60 - 71 Month Roth IRA
OTHER TIERS: 3.61% → $500 - $100k
Locations

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