What are the current interest rates at Wright-Patt Credit Union?

Current rates for Wright-Patt Credit Union include: 12-Month CD: 3.65%, 18-Month CD: 3.75%, 24-Month CD: 3.80%, 60-Month CD: 3.97%, Savings: 7.00%

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Wright-Patt Credit Union

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Wright-Patt Credit Union Rates & Review October 2026

Q: How many branches does Wright-Patt Credit Union operate?

Wright-Patt Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is a member application needed to join Wright-Patt Credit Union?

Yes, to access services at Wright-Patt Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Wright-Patt Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 9, 2026

Wright-Patt Credit Union's top rates as of October 9, 2026 are 3.97% APY on its 48 - 59 Month Business CDs CD, 7.00% APY on savings, 0.08% APY on checking, personal loans from 11.99% APR, and credit cards from 7.00% APR, according to rates verified by MonitorBankRates. Other Wright-Patt Credit Union CD rates include 48 - 59 Month Business CDs at 3.97%, 48 - 59 Month CD at 3.97%, and 48 - 59 Month CD at 3.97%. MonitorBankRates evaluates the financial stability of Wright-Patt Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 6.22%. Rates last updated and verified on 10/09/2026.

Wright-Patt Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Wright-Patt Credit Union? Share your experience about Wright-Patt Credit Union by leaving a review below, or read customer reviews before you decide to use Wright-Patt Credit Union.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

6.22%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

Wright-Patt Credit Union
Corporate

3560 Pentagon Blvd
Beavercreek, OH 45431

https://www.wpcu.coop/

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Wright-Patt Credit Union CD Rates

Product	Rate	APY	Term
48 - 59 Month Share Certificate	-	3.97%	48-59 Month
Min Deposit $500 Min Balance $500 Last Updated 10/09/2026 Rate History No change since Sep 26, 2026 · 3.97% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.22%
48 - 59 Month Share Certificate	-	3.97%	48-59 Month
Min Deposit $100,000 Min Balance $100,000 Last Updated 10/09/2026 Rate History No change since Sep 26, 2026 · 3.97% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.22%
36 - 47 Month Share Certificate	-	3.92%	36-47 Month
Min Deposit $500 Min Balance $500 Last Updated 10/09/2026 Rate History No change since Sep 26, 2026 · 3.92% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.22%
36 - 47 Month Share Certificate	-	3.92%	36-47 Month
Min Deposit $100,000 Min Balance $100,000 Last Updated 10/09/2026 Rate History No change since Sep 26, 2026 · 3.92% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.22%
24 - 35 Month Share Certificate	-	3.86%	24-35 Month
Min Deposit $500 Min Balance $500 Last Updated 10/09/2026 Rate History No change since Sep 26, 2026 · 3.86% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.22%
24 - 35 Month Share Certificate	-	3.86%	24-35 Month
Min Deposit $100,000 Min Balance $100,000 Last Updated 10/09/2026 Rate History No change since Sep 26, 2026 · 3.86% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.22%
18 - 23 Month Share Certificate	-	3.80%	18-23 Month
Min Deposit $500 Min Balance $500 Last Updated 10/09/2026 Rate History No change since Sep 26, 2026 · 3.80% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.22%
18 - 23 Month Share Certificate	-	3.80%	18-23 Month
Min Deposit $100,000 Min Balance $100,000 Last Updated 10/09/2026 Rate History No change since Sep 26, 2026 · 3.80% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.22%
12 - 17 Month Share Certificate	-	3.75%	12-17 Month
Min Deposit $500 Min Balance $500 Last Updated 10/09/2026 Rate History No change since Sep 26, 2026 · 3.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.22%
12 - 17 Month Share Certificate	-	3.75%	12-17 Month
Min Deposit $100,000 Min Balance $100,000 Last Updated 10/09/2026 Rate History No change since Sep 26, 2026 · 3.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.22%
06 - 11 Month Share Certificate	-	3.65%	6-11 Month
Min Deposit $500 Min Balance $500 Last Updated 10/09/2026 Rate History No change since Sep 26, 2026 · 3.65% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.22%
06 - 11 Month Share Certificate	-	3.65%	6-11 Month
Min Deposit $100,000 Min Balance $100,000 Last Updated 10/09/2026 Rate History No change since Sep 26, 2026 · 3.65% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.22%

Wright-Patt Credit Union Business CD Rates

Product	Rate	APY	Term
48 - 59 Month Business Share Certificates	-	3.97%	48-59 Month
Min Deposit $500 Last Updated 10/09/2026 Rate History No change since Sep 26, 2026 · 3.97% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.22%
48 - 59 Month Business Share Certificates	-	3.97%	48-59 Month
Min Deposit $100,000 Last Updated 10/09/2026 Rate History No change since Sep 26, 2026 · 3.97% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.22%
36 - 47 Month Business Share Certificates	-	3.92%	36-47 Month
Min Deposit $500 Last Updated 10/09/2026 Rate History No change since Sep 26, 2026 · 3.92% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.22%
36 - 47 Month Business Share Certificates	-	3.92%	36-47 Month
Min Deposit $100,000 Last Updated 10/09/2026 Rate History No change since Sep 26, 2026 · 3.92% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.22%
24 - 35 Month Business Share Certificates	-	3.86%	24-35 Month
Min Deposit $500 Last Updated 10/09/2026 Rate History No change since Sep 26, 2026 · 3.86% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.22%
24 - 35 Month Business Share Certificates	-	3.86%	24-35 Month
Min Deposit $100,000 Last Updated 10/09/2026 Rate History No change since Sep 26, 2026 · 3.86% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.22%
18 - 23 Month Business Share Certificates	-	3.80%	18-23 Month
Min Deposit $500 Last Updated 10/09/2026 Rate History No change since Sep 26, 2026 · 3.80% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.22%
18 - 23 Month Business Share Certificates	-	3.80%	18-23 Month
Min Deposit $100,000 Last Updated 10/09/2026 Rate History No change since Sep 26, 2026 · 3.80% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.22%
12 - 17 Month Business Share Certificates	-	3.75%	12-17 Month
Min Deposit $500 Last Updated 10/09/2026 Rate History No change since Sep 26, 2026 · 3.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.22%
12 - 17 Month Business Share Certificates	-	3.75%	12-17 Month
Min Deposit $100,000 Last Updated 10/09/2026 Rate History No change since Sep 26, 2026 · 3.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.22%
06 - 11 Month Business Share Certificates	-	3.65%	6-11 Month
Min Deposit $500 Last Updated 10/09/2026 Rate History No change since Sep 26, 2026 · 3.65% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.22%
06 - 11 Month Business Share Certificates	-	3.65%	6-11 Month
Min Deposit $100,000 Last Updated 10/09/2026 Rate History No change since Sep 26, 2026 · 3.65% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.22%

Wright-Patt Credit Union Savings Rates

Product	Rate	APY
Enhanced Health Savings Account	-	7.00%
Min Balance $0 Details Balance: $0.00 - $1,000.00; The first dividend rate and APY shown on the Current Dividend Rates sheet will be paid only on the portion of your average daily balance that was greater than $0.00 but less than $1,000.01. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 7.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.22%
Health Savings Account	-	7.00%
Min Balance $0 Details Balance: $0.01 to $1,000.00 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 7.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.22%
Money Market Savings Account	-	2.50%
Min Balance $100 Details Balance: $100.00 to $2,499.99 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 2.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.22%
Money Market Savings Account	-	2.50%
Min Balance $2,500 Details Balance: $2,500.00 to $9,999.99 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 2.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.22%
Money Market Savings Account	-	2.50%
Min Balance $10,000 Details Balance: $10,000.00 to $49,999.99 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 2.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.22%
Money Market Savings Account	-	2.50%
Min Balance $50,000 Details Balance: $50,000.00 and Higher Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 2.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.22%
Enhanced Health Savings Account	-	1.25%
Min Balance $1,000 Details Published APY range: 1.25% - 7.00%. Balance: $1,000.01 and over; The second dividend rate and APY shown on the Current Dividend Rates sheet will be paid only on the portion of your average daily balance that was greater than $1,000.00. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.22%
Health Savings Account	-	1.25%
Min Balance $1,000 Details Published APY range: 1.25% - 7.00%. Balance: $1,000.01 and Higher Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.22%
TrueSaver: Non-Qualifying Balance	-	0.25%
Min Balance $0 Details Balance: $0.01 and Higher Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.22%
TrueSaver: Qualifying Balance	-	0.25%
Min Balance $1,000 Details Published APY range: 0.25% - 7.00%. Balance: $1,000.01 and Higher Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.22%
Club Account	-	0.15%
Min Balance $0 Details Balance: $.01 and Higher Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.22%
EasySaver Share	-	0.15%
Min Balance $0 Details Balance: $0.01 to $500.00 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.15% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.22%
EasySaver Share	-	0.15%
Min Balance $500 Details Balance: $500.01 and Higher Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.15% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.22%

Wright-Patt Credit Union Business Savings Rates

Product	Rate	APY
Business Money Market Savings Account	-	2.50%
Min Balance $100 Details Balance: $100.00 to $2,499.99 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 2.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.22%
Business Money Market Savings Account	-	2.50%
Min Balance $2,500 Details Balance: $2,500.00 to $9,999.99 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 2.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.22%
Business Money Market Savings Account	-	2.50%
Min Balance $10,000 Details Balance: $10,000.00 to $49,999.99 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 2.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.22%
Business Money Market Savings Account	-	2.50%
Min Balance $50,000 Details Balance: $50,000.00 and Higher Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 2.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.22%

Wright-Patt Credit Union Money Market Rates

Product	Rate	APY
Money Market Savings Account	-	2.50%
Min Balance $100 Details Balance: $100.00 to $2,499.99 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 2.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.22%
Money Market Savings Account	-	2.50%
Min Balance $2,500 Details Balance: $2,500.00 to $9,999.99 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 2.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.22%
Money Market Savings Account	-	2.50%
Min Balance $10,000 Details Balance: $10,000.00 to $49,999.99 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 2.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.22%
Money Market Savings Account	-	2.50%
Min Balance $50,000 Details Balance: $50,000.00 and Higher Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 2.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.22%

Wright-Patt Credit Union Business Money Market Rates

Product	Rate	APY
Business Money Market Savings Account	-	2.50%
Min Balance $100 Details Balance: $100.00 to $2,499.99 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 2.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.22%
Business Money Market Savings Account	-	2.50%
Min Balance $2,500 Details Balance: $2,500.00 to $9,999.99 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 2.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.22%
Business Money Market Savings Account	-	2.50%
Min Balance $10,000 Details Balance: $10,000.00 to $49,999.99 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 2.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.22%
Business Money Market Savings Account	-	2.50%
Min Balance $50,000 Details Balance: $50,000.00 and Higher Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 2.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.22%

Wright-Patt Credit Union Checking Rates

Product	Rate	APY
Checking With Dividends	-	0.08%
Min Balance $25,000 Details Balance: $25,000.00 and Higher Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.08% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.22%
Dividend Choice/Mission Based Checking	-	0.08%
Min Balance $25,000 Details Balance: $25,000.00 and Higher Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.08% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.22%
Checking With Dividends	-	0.04%
Min Balance $0 Details Balance: $0.01 to $9,999.99 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.04% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.22%
Checking With Dividends	-	0.04%
Min Balance $10,000 Details Balance: $10,000.00 to $24,999.99 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.04% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.22%
Dividend Choice/Mission Based Checking	-	0.04%
Min Balance $0 Details Balance: $0.01 to $9,999.99 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.04% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.22%
Dividend Choice/Mission Based Checking	-	0.04%
Min Balance $10,000 Details Balance: $10,000.00 to $24,999.99 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.04% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.22%
Select Checking with Dividends	-	0.04%
Min Balance $1,000 Details Balance: $1,000.00 and Higher Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.04% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.22%

Wright-Patt Credit Union Business Checking Rates

Product	Rate	APY
Business Dividend Choice/Mission Based Checking	-	0.08%
Min Balance $25,000 Details Balance: $25,000.00 and Higher Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.08% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.22%
Business Dividend Choice/Mission Based Checking	-	0.04%
Min Balance $0 Details Balance: $0.01 to $9,999.99 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.04% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.22%
Business Dividend Choice/Mission Based Checking	-	0.04%
Min Balance $10,000 Details Balance: $10,000.00 to $24,999.99 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.04% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.22%

Wright-Patt Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Fixed-Rate Loan	7.00%	-	7.00%	60 months
Details Term: 60, 120, or 180 months; Closing costs of up to $851 will apply; these costs may vary based on the market. The property value is based on an approved valuation method determined by WPCU. Assessment of the property may require an appraisal based on the loan amount or LTV of the property; the cost of this appraisal may vary up to $475, which is included in the closing costs. Property must be an owner-occupied single-family residence, second home located 50 miles or more away from borrower's primary residence, duplex, or up to four units, if owner-occupied and is the primary residence of the applicant. Home Equity Loans available for second lien position mortgage loans only (must have a first mortgage loan to qualify). Property insurance is required on the property securing the loan, and flood insurance is required when the property is in a flood zone. Federally guaranteed student loans and other loans with special government benefits should not be consolidated because you Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 6.75% → 7.00% ▲ 0.25 pts · high 7.00% / low 6.75% Oct 9, 20267.00%▲ from 6.75% Sep 14, 20266.75%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.22%
Home Equity Line of Credit - LTV 85% or Less	-	-	7.00%
Details Published APR range: 7.00% - 12.50%. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 6.75% → 7.00% ▲ 0.25 pts · high 7.00% / low 6.75% Oct 2, 20267.00%▲ from 6.75% Sep 14, 20266.75%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.22%
Home Equity Loans (LTV 85% or Less) - 60 Months Fixed	-	-	7.00%	60 Months
Details Published APR range: 7.00% - 8.50%. Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 6.75% → 7.00% ▲ 0.25 pts · high 7.00% / low 6.75% Oct 2, 20267.00%▲ from 6.75% Sep 18, 20266.75%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.22%
Home Equity Loans (LTV 85% or Less) - 61-120 Months Fixed	-	-	7.75%	61-120 months
Details Published APR range: 7.75% - 9.25%. Last Updated 10/09/2026 Rate History No change since Oct 2, 2026 · 7.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.22%
Home Equity Loans (LTV 85% or Less) - 121-180 Months Fixed	-	-	8.00%	121-180 months
Details Published APR range: 8.00% - 8.75%. Last Updated 10/09/2026 Rate History No change since Oct 2, 2026 · 8.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.22%
Home Equity Loans (LTV 85.1% - 100%) - 60 Months Fixed	-	-	8.00%	60 Months
Details Published APR range: 8.00% - 9.50%. Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 7.75% → 8.00% ▲ 0.25 pts · high 8.00% / low 7.75% Oct 2, 20268.00%▲ from 7.75% Sep 18, 20267.75%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.22%
Home Equity Line of Credit - LTV 85.1% - 100%	-	-	8.50%
Details Published APR range: 8.50% - 10.00%. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 8.25% → 8.50% ▲ 0.25 pts · high 8.50% / low 8.25% Oct 2, 20268.50%▲ from 8.25% Sep 14, 20268.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.22%
Home Equity Loans (LTV 85.1% - 100%) - 61-120 Months Fixed	-	-	8.75%	61-120 months
Details Published APR range: 8.75% - 10.25%. Last Updated 10/09/2026 Rate History No change since Oct 2, 2026 · 8.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.22%
Home Equity Loans (LTV 85.1% - 100%) - 121-180 Months Fixed	-	-	9.00%	121-180 months
Details Published APR range: 9.00% - 9.75%. Last Updated 10/09/2026 Rate History No change since Oct 2, 2026 · 9.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.22%

Wright-Patt Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Loans (2023 or Newer) - Up to 63 Months	-	-	4.99%	Up to 63 Months
Details Published APR range: 4.99% - 15.44%. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 5.24% → 4.99% ▼ 0.25 pts · high 5.24% / low 4.99% Sep 18, 20264.99%▼ from 5.24% Sep 14, 20265.24%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.22%
Auto Loans (2022 or Older) - Up to 63 Months	-	-	5.49%	Up to 63 Months
Details Published APR range: 5.49% - 15.94%. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 5.74% → 5.49% ▼ 0.25 pts · high 5.74% / low 5.49% Sep 18, 20265.49%▼ from 5.74% Sep 14, 20265.74%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.22%
Auto Loans (2023 or Newer) - 64-75 Months	-	-	5.49%	64-75 months
Details Published APR range: 5.49% - 15.94%. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 5.49% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.22%
Auto Loans (2023 or Newer) - 76-84 Months	-	-	5.74%	76-84 months
Details Published APR range: 5.74% - 11.74%. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 5.74% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.22%
Auto Loans (2022 or Older) - 64-75 Months	-	-	5.99%	64-75 months
Details Published APR range: 5.99% - 16.44%. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 5.99% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.22%
Auto Loans (2022 or Older) - 76-84 Months	-	-	6.24%	76-84 months
Details Published APR range: 6.24% - 12.24%. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.24% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.22%

Wright-Patt Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Motorcycle Loans (2023 or Newer) - Up to 63 Months	-	6.54%	Up to 63 Months
Details Published APR range: 6.54% - 17.75%. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.54% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.22%
Motorcycle Loans (2022 or Older) - Up to 63 Months	-	7.04%	Up to 63 Months
Details Published APR range: 7.04% - 17.75%. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 7.04% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.22%
Motorcycle Loans (2023 or Newer) - 64-75 Months	-	7.04%	64-75 months
Details Published APR range: 7.04% - 17.75%. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 7.04% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.22%
RV & Watercraft Loans (2023 or Newer) - Up to 84 Months	-	7.34%	Up to 84 Months
Details Published APR range: 7.34% - 17.25%. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 7.34% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.22%
RV/Watercraft loan	-	7.34%	60 months
Details As Low As; Loan amounts up to $19,999 have a maximum term of 84 months. Loan amounts of $20,000 or more have a maximum term of 240 months. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 7.34% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.22%
Motorcycle Loans (2022 or Older) - 64-75 Months	-	7.54%	64-75 months
Details Published APR range: 7.54% - 17.75%. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 7.54% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.22%
Motorcycle Loans (2023 or Newer) - 76-84 Months	-	7.54%	76-84 months
Details Published APR range: 7.54% - 16.04%. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 7.54% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.22%
RV & Watercraft Loans (2022 or Older) - Up to 84 Months	-	7.84%	Up to 84 Months
Details Published APR range: 7.84% - 17.25%. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 7.84% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.22%
Motorcycle Loans (2022 or Older) - 76-84 Months	-	8.04%	76-84 months
Details Published APR range: 8.04% - 11.64%. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 8.04% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.22%
RV & Watercraft Loans (2023 or Newer) - 85-240 Months	-	8.34%	85-240 months
Details Published APR range: 8.34% - 16.74%. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 8.34% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.22%
RV & Watercraft Loans (2022 or Older) - 85-240 Months	-	8.84%	85-240 months
Details Published APR range: 8.84% - 17.24%. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 8.84% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.22%

Wright-Patt Credit Union Credit Card Rates

Product	Rate	APR	View More
Business Credit Cards	-	7.00%
Details The APR is variable and may change at any time. The APRs are based upon your creditworthiness and the index plus a margin and will vary with Prime Rate (the index) as published in the Wall Street Journal. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 7.00% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.22%

Wright-Patt Credit Union Personal Loan Rates

Product	APR	Term
Personal Signature Loan	11.99%	48 months
Details Loan amounts up to $7,999 have a maximum term of 48 months and loan amounts $8,000 or more have a maximum term of 60 months. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 11.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.22%
Signature Loan - Up to 60 Months	11.99%	Up to 60 Months
Details Published APR range: 11.99% - 18.00%. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 11.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.22%

Wright-Patt Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Business Platinum Low Rate Loan	-	-	9.75%
Details Published APR range: 9.75% - 13.75%. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 9.75% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.22%
Business Platinum Rewards Loan	-	-	12.75%
Details Published APR range: 12.75% - 16.75%. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 12.75% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.22%
First Time User Loan	-	-	17.99%
Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 17.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.22%
Platinum Low Rate Loan	-	-	9.75%
Details Published APR range: 9.75% - 17.75%. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 9.75% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.22%
Platinum Rewards Loan	-	-	12.75%
Details Published APR range: 12.75% - 20.75%. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 12.75% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.22%
QCash - Up to 24 Months Loan	-	-	17.00%	Up to 24 Months
Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 17.00% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.22%
ReadyLine Line of Credit	-	-	9.75%
Details Published APR range: 9.75% - 17.75%. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 9.75% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.22%
StretchPay Loan	-	-	25.00%
Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 25.00% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.22%
Wright State Alumni Platinum Low Rate Loan	-	-	9.75%
Details Published APR range: 9.75% - 17.75%. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 9.75% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.22%
Wright State Alumni Rewards Loan	-	-	12.75%
Details Published APR range: 12.75% - 20.75%. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 12.75% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.22%
WSUAA Low Rate Platinum Loan	-	-	9.75%
Details Intro rate expires: 12 months; Regular APR: 9.75% - 17.75% Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 9.75% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.22%
WSUAA Rewards Loan	-	-	12.75%
Details Earn unlimited 1.5% cash back on every qualifying purchase; you will earn 1.5 points for every $1.00 spent. Cash advances and balance transfers are not eligible for the 1.5% cash back rewards. Regular APR: 12.75% - 20.75% Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 12.75% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.22%
Add-On Traditional or Roth IRA	-	-	3.60%	18 Month
Min Deposit $100 Min Balance $100 Details Term: 18 Month Variable Rate Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 3.60% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.22%
Add-On Traditional or Roth IRA	-	-	3.60%	18 Month
Min Deposit $100,000 Min Balance $100,000 Details Term: 18 Month Variable Rate Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 3.60% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.22%
Add-On Traditional or Roth IRA	-	-	3.80%	18 Month Fixed Rate
Min Deposit $100 Min Balance $100 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 3.80% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.22%
Add-On Traditional or Roth IRA	-	-	3.80%	18 Month Fixed Rate
Min Deposit $100,000 Min Balance $100,000 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 3.80% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.22%
Business Share Account	-	-	0.25%
Min Balance $5 Details Balance: $5.00 - $500.00 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.22%
Business Share Account	-	-	0.25%
Min Balance $500 Details Balance: $500.01 and Higher Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.22%
Secondary Share	-	-	0.25%
Min Balance $0 Details Balance: $0.01 to $500.00 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.22%
Secondary Share	-	-	0.25%
Min Balance $500 Details Balance: $500.01 and Higher Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.22%
Single Deposit Traditional or Roth IRA	-	-	3.65%	6-11 Month
Min Deposit $500 Min Balance $500 Last Updated 10/09/2026 Rate History No change since Sep 26, 2026 · 3.65% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.22%
Single Deposit Traditional or Roth IRA	-	-	3.75%	12-17 Month
Min Deposit $500 Min Balance $500 Last Updated 10/09/2026 Rate History No change since Sep 26, 2026 · 3.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.22%
Single Deposit Traditional or Roth IRA	-	-	3.80%	18-23 Month
Min Deposit $500 Min Balance $500 Last Updated 10/09/2026 Rate History No change since Sep 26, 2026 · 3.80% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.22%
Single Deposit Traditional or Roth IRA	-	-	3.86%	24-35 Month
Min Deposit $500 Min Balance $500 Last Updated 10/09/2026 Rate History No change since Sep 26, 2026 · 3.86% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.22%
Single Deposit Traditional or Roth IRA	-	-	3.92%	36-47 Month
Min Deposit $500 Min Balance $500 Last Updated 10/09/2026 Rate History No change since Sep 26, 2026 · 3.92% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.22%
Single Deposit Traditional or Roth IRA	-	-	3.97%	48-59 Month
Min Deposit $500 Min Balance $500 Last Updated 10/09/2026 Rate History No change since Sep 26, 2026 · 3.97% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.22%
Single Deposit Traditional or Roth IRA	-	-	3.65%	6-11 Month
Min Deposit $100,000 Min Balance $100,000 Last Updated 10/09/2026 Rate History No change since Sep 26, 2026 · 3.65% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.22%
Single Deposit Traditional or Roth IRA	-	-	3.75%	12-17 Month
Min Deposit $100,000 Min Balance $100,000 Last Updated 10/09/2026 Rate History No change since Sep 26, 2026 · 3.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.22%
Single Deposit Traditional or Roth IRA	-	-	3.80%	18-23 Month
Min Deposit $100,000 Min Balance $100,000 Last Updated 10/09/2026 Rate History No change since Sep 26, 2026 · 3.80% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.22%
Single Deposit Traditional or Roth IRA	-	-	3.86%	24-35 Month
Min Deposit $100,000 Min Balance $100,000 Last Updated 10/09/2026 Rate History No change since Sep 26, 2026 · 3.86% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.22%
Single Deposit Traditional or Roth IRA	-	-	3.92%	36-47 Month
Min Deposit $100,000 Min Balance $100,000 Last Updated 10/09/2026 Rate History No change since Sep 26, 2026 · 3.92% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.22%
Single Deposit Traditional or Roth IRA	-	-	3.97%	48-59 Month
Min Deposit $100,000 Min Balance $100,000 Last Updated 10/09/2026 Rate History No change since Sep 26, 2026 · 3.97% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.22%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Wright-Patt Credit Union’s Texas Ratio rose from 5.50% in Q3 2023 to 6.22% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A+ to A. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$9.5B	6.22%	5.0	A
March 31, 2026	$9.6B	6.62%	5.0	A
December 31, 2025	$9.6B	7.37%	5.0	A
September 30, 2025	$9.4B	6.81%	5.0	A
June 30, 2025	$9.4B	7.22%	5.0	A
March 31, 2025	$9.4B	6.39%	5.0	A
December 31, 2024	$9.1B	7.79%	5.0	A
September 30, 2024	$8.8B	5.77%	5.0	A+
June 30, 2024	$8.7B	5.46%	5.0	A+
March 31, 2024	$8.6B	5.49%	5.0	A+
December 31, 2023	$8.3B	6.85%	5.0	A
September 30, 2023	$8.1B	5.50%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Wright-Patt Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Wright-Patt Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Wright-Patt Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Wright-Patt Credit Union

Website https://www.wpcu.coop/

Address 3560 Pentagon Blvd, Beavercreek, OH 45431

Phone 937-912-7000

Fax 937-912-8002

President Joseph Linsenmeyer

CEO Timothy Mislansky

Full-Time Employees 1,496

Part-Time Employees 64

Branch Locations 39

ATM Locations 37

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (97/100)

Texas Ratio

6.22%

Return on Assets (ROA)

0.5679%

Return on Equity (ROE)

5.0155%

Non-Performing Loans Ratio (NPL)

1.10%

Total Assets

9,548,735,239

Total Amount of Shares and Deposits

8,172,739,688

Total Shares and Deposits < 1 Year

7,419,690,389

Total Shares and Deposits 1 3 Years

548,773,335

Total Shares and Deposits > 3 Years

204,275,964

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

645,033,695

Total Uninsured Shares and Deposits > $250K (F+J)

645,033,695

Total Insured Shares and Deposits > $250K (item 17 less item K)

7,527,705,993

Total Interest Expense (Sum of items 6 8)

94,564,106

Share Certificates

43,858

Number of Accounts for Share Drafts

324,986

IRA KEOGH Accounts

10,338

Number of Accounts for Regular Shares

708,180

All other shares

29,499

Non Member Deposits

Money Market Shares

90,900

Net Income (unless the amount is already included in Undivided Earnings)

54,226,056

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

278,854,059

Total Liabilities

8,551,229,931

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Wright-Patt Credit Union earned the Verified Healthy badge

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Customer Reviews

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Frequently Asked Questions About Wright-Patt Credit Union

How many branches does Wright-Patt Credit Union operate?

Wright-Patt Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Wright-Patt Credit Union?

Yes, to access services at Wright-Patt Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Wright-Patt Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Wright-Patt Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Wright-Patt Credit Union offer online and mobile banking?

Most modern institutions like Wright-Patt Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.wpcu.coop/.

Current Wright-Patt Credit Union Rates

12-Month CD3.65%
18-Month CD3.75%
24-Month CD3.80%
60-Month CD3.97%
Savings7.00%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Wright-Patt Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Wright-Patt Credit Union Texas Ratio

Wright-Patt Credit Union Health Trend

Wright-Patt Credit Union CD Rates

Wright-Patt Credit Union Business CD Rates

Wright-Patt Credit Union Savings Rates

Wright-Patt Credit Union Business Savings Rates

Wright-Patt Credit Union Money Market Rates

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Wright-Patt Credit Union Home Equity & HELOC

Wright-Patt Credit Union Auto Loan Rates

Wright-Patt Credit Union RV, Boat and Powersport Loan Rates

Wright-Patt Credit Union Credit Card Rates

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Wright-Patt Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Wright-Patt Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Wright-Patt Credit Union

How many branches does Wright-Patt Credit Union operate?

Is a member application needed to join Wright-Patt Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Wright-Patt Credit Union offer online and mobile banking?

Current Wright-Patt Credit Union Rates

Compare to Other Credit Unions