Featured Savings Rates
Featured Accounts

Wright-Patt Credit Union

Popular Accounts at this Credit Union

APYACCOUNT TYPEACCOUNT NAME
2.13%5-year CD60-71 Month CD
2.30%6+ Year CD72 Month CD
1.95%4-year CD48-59 Month CD

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

Wright-Patt Credit Union is headquartered in Beavercreek and is the largest credit union in the state of Ohio. It is also the 47th largest credit union in the nation. It was established in 1932 and as of June of 2016, it had grown to 676 employees and 324,496 members at 28 locations. Wright-Patt Credit Union's CD rates are 16% higher than the national average, and it boasts an A+ health rating.

Field of Membership Restrictions

Membership in Wright-Patt Credit Union is open to those who live, work, attend school or worship in Montgomery, Butler, Greene, Champaign, Clinton, Clark, Franklin, Miami, Hamilton, or 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 and members of the WSU Alumni Association.
See current membership details

Related Posts

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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.

Great Products and Service. Beware long lines during peak times .

I've had nothing but positive interactions with Wright-Patt Credit Union. The app takes care of most of my needs, but there are a number of locations that are very convenient and are open on the Saturday. My favorite feature is the 3% savings rate (up to $500) -- that rate is unheard of for a standard savings account. Easy bill-pay, and ATMs that accept cash - I rarely need to use a teller. That is a good thing since the institution is popular and the line can get long. The first checks were sent at no charge, and they should last a long time. The fees are clearly laid out and was reviewed thoroughly upon opening the account. They offer seminars and community education classes about finances which is great to get involved with. I highly recommend this company and for both the products and service to the area.

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.

VIEW MORE REVIEWS

Health
A+

Health Grade Components

Overall
NCUA #66328
Year Chartered1932
Employees676
Primary Regulator
Profit Margin
Return on Assets - YTD1.42%
Return on Equity - YTD11.73%
Annual Interest Income$56.7MM
Assets and Liabilities
AssetsQ2 2016vs Q2 2015$3.31B$3.12B
LoansQ2 2016vs Q2 2015$2.39B$2.25B
DepositsQ2 2016vs Q2 2015$2.77B$2.59B
Equity CapitalQ2 2016vs Q2 2015$397.1MM$357.2MM
Loan Loss AllowanceQ2 2016vs Q2 2015$18.8MM$16.7MM
Unbacked Noncurrent LoansQ2 2016vs Q2 2015$13.8MM$12.2MM
Real Estate OwnedQ2 2016vs Q2 2015$1.0MM$542.00K
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
0.40%*$50k*-Personal Capital Money Market
OTHER TIERS: 0.15% $100 - $2,500 | 0.37% $2,500 - $50k
0.40%*$50k*-Business Money Market Savings Account
OTHER TIERS: 0.15% $100 - $2,500 | 0.37% $2,500 - $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 SimpleChoice Checking
OTHER TIERS: 0.04% Up to $25k
0.08%*$25k*-Business DividentChoice Checking
OTHER TIERS: 0.04% Up to $25k
0.04%$1k-Select Checking

Wright-Patt Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.30%*$100k*-72 Month CD
OTHER TIERS: 2.20% $500 - $100k
2.30%*$100k*-Business 72 Month CD
OTHER TIERS: 2.20% $500 - $100k
2.13%*$100k*-60-71 Month CD
OTHER TIERS: 2.03% $500 - $100k
2.13%*$100k*-Business 60 - 71 Month CD
OTHER TIERS: 2.03% $500 - $100k
1.95%*$100k*-48-59 Month CD
OTHER TIERS: 1.85% $500 - $100k
1.95%*$100k*-Business 48 - 59 Month CD
OTHER TIERS: 1.85% $500 - $100k
1.63%*$100k*-36-47 Month CD
OTHER TIERS: 1.53% $500 - $100k
1.63%*$100k*-Business 36 - 47 Month CD
OTHER TIERS: 1.53% $500 - $100k
1.38%*$100k*-24-35 Month CD
OTHER TIERS: 1.28% $500 - $100k
1.38%*$100k*-Business 24 - 35 Month CD
OTHER TIERS: 1.28% $500 - $100k
1.23%*$100k*-18-23 Month CD
OTHER TIERS: 1.13% $500 - $100k
1.23%*$100k*-Business 18 - 23 Month CD
OTHER TIERS: 1.13% $500 - $100k
1.04%*$100k*-12-17 Month CD
OTHER TIERS: 0.94% $500 - $100k
1.04%*$100k*-Business 12 - 17 Month CD
OTHER TIERS: 0.94% $500 - $100k
0.81%*$100k*-6-11 Month CD
OTHER TIERS: 0.71% $500 - $100k
0.81%*$100k*-Business 6 - 11 Month CD
OTHER TIERS: 0.71% $500 - $100k

Wright-Patt Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.30%*$100k*-72 Month IRA
OTHER TIERS: 2.20% $500 - $100k
2.13%*$100k*-60-71 Month IRA
OTHER TIERS: 2.03% $500 - $100k
1.95%*$100k*-48-59 Month IRA
OTHER TIERS: 1.85% $500 - $100k
1.63%*$100k*-36-47 Month IRA
OTHER TIERS: 1.53% $500 - $100k
1.38%*$100k*-24-35 Month IRA
OTHER TIERS: 1.28% $500 - $100k
1.23%*$100k*-18-23 Month IRA
OTHER TIERS: 1.13% $500 - $100k
1.23%*$100*$100k18 Month Variable Add-On IRA
OTHER TIERS: 1.02% $100k+
1.13%*$100*$100k18 Month Fixed Add-On IRA
OTHER TIERS: 0.92% $100k+
1.04%*$100k*-12-17 Month IRA
OTHER TIERS: 0.94% $500 - $100k
0.81%*$100k*-6-11 Month IRA
OTHER TIERS: 0.71% $500 - $100k
Locations

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