Featured Savings Rates
Featured Accounts

Wright-Patt Credit Union

Popular Accounts at this Credit Union

2.18%6+ Year CD72 Month CD
2.02%5-year CD60-71 Month CD
2.18%6+ Year IRA72 Month IRA

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 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) Has Limited-Time 19-Month CD Special - 8/7/2017

Wright-Patt CU (OH) is offering a 19-month Share Certificate Exclusive (1.83% APY, $100k; 1.72% APY, $500) now through September 27, 2017.

Wright-Patt CU (OH) Raises 6-11 Month Share Certificate Rate - 6/22/2017

Wright-Patt CU (Ohio) has raised the rates on its 6-11 month Share Certificate: 1.33% APY ($100k) and 1.23% APY ($500). Also offered as an IRA.

Wright-Patt CU (OH) Adds 25-Month CD Special - 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.

View all posts from:

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.

Wright Patt Credit Union

Posted by: cathylove | Aug 3, 2017

Wright Patt Credit Union really is the best banking experience around my area. You really can tell that they are a member owned organization and not a large coporate bank. Everything they do and offer is centered around the customer and providing they the most rewarding and csot savings experience. the free checking account is really free, with no hidden fees. they dont charge you to use another banks atm's and they offer great interest rates in their savings accounts. i could not reccomend WPCU enough!

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!



Health Grade Components

NCUA #66328
Year Chartered1932
Primary Regulator
Profit Margin
Return on Assets - YTD1.25%
Return on Equity - YTD10.78%
Annual Interest Income$64.9MM
Assets and Liabilities
AssetsQ2 2017vs Q2 2016$3.80B$3.31B
LoansQ2 2017vs Q2 2016$2.72B$2.39B
DepositsQ2 2017vs Q2 2016$3.23B$2.77B
Equity CapitalQ2 2017vs Q2 2016$430.0MM$397.1MM
Loan Loss AllowanceQ2 2017vs Q2 2016$21.1MM$18.8MM
Unbacked Noncurrent LoansQ2 2017vs Q2 2016$15.5MM$13.8MM
Real Estate OwnedQ2 2017vs Q2 2016$237.00K$1.0MM
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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

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

1.01%*$2,500*-Personal Capital Money Market
OTHER TIERS: 0.15% $100 - $2,500
1.01%*$2,500*-Business Money Market Savings Account
OTHER TIERS: 0.15% $100 - $2,500

Wright-Patt Credit Union Checking Account Rates

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

2.18%*$100k*-72 Month CD
OTHER TIERS: 2.08% $500 - $100k
2.18%*$100k*-Business 72 Month CD
OTHER TIERS: 2.08% $500 - $100k
2.02%*$100k*-60-71 Month CD
OTHER TIERS: 1.92% $500 - $100k
2.02%*$100k*-Business 60 - 71 Month CD
OTHER TIERS: 1.92% $500 - $100k
1.89%*$100k*-48-59 Month CD
OTHER TIERS: 1.78% $500 - $100k
1.89%*$100k*-Business 48 - 59 Month CD
OTHER TIERS: 1.78% $500 - $100k
1.77%*$100k*-19 Month CD - Exclusive
OTHER TIERS: 1.67% $500 - $100k
1.77%*$100k*-Business 19 Month CD - Exclusive
OTHER TIERS: 1.67% $500 - $100k
1.74%*$100k*-36-47 Month CD
OTHER TIERS: 1.64% $500 - $100k
1.74%*$100k*-Business 36 - 47 Month CD
OTHER TIERS: 1.64% $500 - $100k
1.61%*$100k*-24-35 Month CD
OTHER TIERS: 1.51% $500 - $100k
1.61%*$100k*-Business 24 - 35 Month CD
OTHER TIERS: 1.51% $500 - $100k
1.52%*$100k*-18-23 Month CD
OTHER TIERS: 1.42% $500 - $100k
1.52%*$100k*-Business 18 - 23 Month CD
OTHER TIERS: 1.42% $500 - $100k
1.43%*$100k*-12-17 Month CD
OTHER TIERS: 1.33% $500 - $100k
1.43%*$100k*-Business 12 - 17 Month CD
OTHER TIERS: 1.33% $500 - $100k
1.34%*$100k*-6-11 Month CD
OTHER TIERS: 1.24% $500 - $100k
1.34%*$100k*-Business 6 - 11 Month CD
OTHER TIERS: 1.24% $500 - $100k

Wright-Patt Credit Union IRA Rates

2.18%*$100k*-72 Month IRA
OTHER TIERS: 2.08% $500 - $100k
2.02%*$100k*-60-71 Month IRA
OTHER TIERS: 1.92% $500 - $100k
1.89%*$100k*-48-59 Month IRA
OTHER TIERS: 1.78% $500 - $100k
1.74%*$100k*-36-47 Month IRA
OTHER TIERS: 1.64% $500 - $100k
1.61%*$100k*-24-35 Month IRA
OTHER TIERS: 1.51% $500 - $100k
1.52%*$100k*-18-23 Month IRA
OTHER TIERS: 1.42% $500 - $100k
1.52%*$100k*-18 Month Fixed Add-On IRA
OTHER TIERS: 1.42% $100 - $100k
1.43%*$100k*-12-17 Month IRA
OTHER TIERS: 1.33% $500 - $100k
1.34%*$100k*-6-11 Month IRA
OTHER TIERS: 1.24% $500 - $100k
1.32%*$100k*-18 Month Variable Add-On IRA
OTHER TIERS: 1.22% $100 - $100k