Wright-Patt Credit Union

Overview / Commentary
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

WPCU Rate Increases

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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.

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.

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!

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



Health Grade Components

NCUA #66328
Year Chartered1932
Primary Regulator
Profit Margin
Return on Assets - YTD1.5%
Return on Equity - YTD13.83%
Annual Interest Income$231.8MM
Assets and Liabilities
AssetsQ4 2021vs Q4 2020$7.13B$6.25B
LoansQ4 2021vs Q4 2020$4.89B$4.33B
DepositsQ4 2021vs Q4 2020$6.06B$5.34B
Equity CapitalQ4 2021vs Q4 2020$758.8MM$677.2MM
Loan Loss AllowanceQ4 2021vs Q4 2020$35.2MM$44.2MM
Unbacked Noncurrent LoansQ4 2021vs Q4 2020$16.8MM$16.8MM
Real Estate OwnedQ4 2021vs Q4 2020$335.00K$663.00K

Rates for Wright-Patt Credit Union are currently being reviewed.



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