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: 1.25%

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Wright-Patt Credit Union

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Wright-Patt Credit Union Rates & Review August 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: August 28, 2026

Wright-Patt Credit Union's 48-59 Month Business CDs Minimum rates are at 3.97%, 48-59 Month CDs Minimum rates are at 3.97%, 36-47 Month Business CDs Minimum rates are at 3.92%, 36-47 Month CDs Minimum rates are at 3.92%, 24-35 Month Business CDs Minimum rates are at 3.86%. Wright-Patt Credit Union's savings rates are at 1.25%. Wright-Patt Credit Union's Personal Loan Rates are at 11.99%. 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 6.81%. Rates last updated and verified on 08/28/2026.

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.

Overall Health & Safety Grade

Excellent Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

6.81%

Excellent Higher than avg

Wright-Patt Credit Union
Corporate

3560 Pentagon Blvd
Beavercreek, OH 45431

https://www.wpcu.coop/

Wright-Patt Credit Union CD Rates

Product	Rate	APY	Term
48-59 Month Business Share Certificates Minimum	-	3.97%	48-59 Month
Min Deposit $500 Details $500 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
48-59 Month Share Certificates Minimum	-	3.97%	48-59 Month
Min Balance $500 Details $500 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
36-47 Month Business Share Certificates Minimum	-	3.92%	36-47 Month
Min Deposit $500 Details $500 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
36-47 Month Share Certificates Minimum	-	3.92%	36-47 Month
Min Balance $500 Details $500 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
24-35 Month Business Share Certificates Minimum	-	3.86%	24-35 Month
Min Deposit $500 Details $500 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
24-35 Month Share Certificates Minimum	-	3.86%	24-35 Month
Min Balance $500 Details $500 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
18-23 Month Business Share Certificates Minimum	-	3.80%	18-23 Month
Min Deposit $500 Details $500 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
18-23 Month Share Certificates Minimum	-	3.80%	18-23 Month
Min Balance $500 Details $500 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
12-17 Month Business Share Certificates Minimum	-	3.75%	12-17 Month
Min Deposit $500 Details $500 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
12-17 Month Share Certificates Minimum	-	3.75%	12-17 Month
Min Balance $500 Details $500 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
06-11 Month Business Share Certificates Minimum	-	3.65%	06-11 Month
Min Deposit $500 Details $500 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
06-11 Month Share Certificates Minimum	-	3.65%	06-11 Month
Min Balance $500 Details $500 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%

Wright-Patt Credit Union Savings Rates

Product	Rate	APY
Enhanced Health Savings Account	-	7.00%
Min Balance $0 Details Dividends are earned tax-free and qualified medical expense withdrawals are tax-free also. Balances greater than $1,000 earn a rate of 1.25% - 7.00% APY. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
Enhanced Health Savings Account ("HSA")	-	7.00%
Min Balance $0 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
Health Savings Account	-	7.00%
Min Balance $0 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
TrueSaver: Qualifying Balance	-	7.00%
Min Balance $0 Details Qualifying balance up to $1,000.00 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
TrueSaver®	-	4.00%
Min Deposit $5 Min Balance $0 Details Qualifications Required: Primary member must provide the Credit Union with a Social Security Number or Tax Identification Number; Primary members with more than one qualifying TrueSaver account will receive the TrueSaver rates specified in the Current Dividend Rates sheet for the qualifying account with the oldest open date; The primary member must be a Member in Good Standing at the time dividends are paid to the account; The account must have an active checking account; The account must have at least one (1) direct deposit transaction within a 45-day period OR be set up to receive eStatements; Qualifying balance up to $1,000.00; The first dividend rate and APY shown on the Current Dividend Rates sheet for "Qualifying Balance" will be paid only on the portion of your average daily balance that was greater than $0.00 but less than $1,000.01. The second dividend rate and APY shown on the Current Dividend Rates sheet for "Qualifying Balance" will be paid only on the portion of your average daily balance that was greater than $1,000.00. If you do not meet the rate qualifications outlined above, the dividend rate and APY shown for "Non-Qualifying Balance" will apply. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
Business Money Market Savings Account	-	2.50%
Min Balance $100 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
Money Market Savings Account	-	2.50%
Min Balance $100 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
Enhanced Health Savings Account	-	1.25%
Min Balance $0 Details Dividends are earned tax-free and qualified medical expense withdrawals are tax-free also. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
Enhanced Health Savings Account ("HSA")	-	1.25%
Min Balance $1,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
Health Savings Account	-	1.25%
Min Balance $1,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
TrueSaver: Non-Qualifying Balance	-	0.25%
Min Balance $0 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
TrueSaver: Qualifying Balance	-	0.25%
Min Balance $1,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
Club Account	-	0.15%
Min Balance $0 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
EasySaver Share	-	0.15%
Min Balance $0 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%

Wright-Patt Credit Union Money Market Rates

Product	Rate	APY
Business Money Market Savings Account	-	2.50%
Min Balance $100 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
Money Market Savings Account	-	2.50%
Min Balance $100 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%

Wright-Patt Credit Union Checking Rates

Product	Rate	APY
Business Dividend Choice/Mission Based Checking	-	0.08%
Min Balance $25,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
Checking With Dividends	-	0.08%
Min Balance $25,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
Dividend Choice/Mission Based Checking	-	0.08%
Min Balance $25,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
Business Dividend Choice/Mission Based Checking	-	0.04%
Min Balance $0 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
Checking With Dividends	-	0.04%
Min Balance $0 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
Dividend Choice/Mission Based Checking	-	0.04%
Min Balance $0 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
Select Checking with Dividends	-	0.04%
Min Balance $1,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%

Wright-Patt Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity 60 Months Fixed	-	-	6.75%	60 Months
Details Home Equity Loans (LTV 85% or Less) Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
Home Equity Line of Credit	-	-	6.75%	25 years (15-year draw, 10-year repayment)
Details Variable rate based on Prime Rate + 0.00% (currently 6.75% APR) to Prime Rate + 5.50% (currently 12.25% APR), depending upon your creditworthiness and the loan-to-value (LTV). The APR may increase or decrease quarterly, but it will never fall below 4.00% APR and will never exceed 25.00% APR. Making only the minimum payment each month during the draw period will not reduce principal, and your payments during the repayment period may substantially increase from what you paid during the interest-only period. The amount of savings realized with debt consolidation varies by loan. Since a Home Equity Line of Credit may have a longer term than some of the bills being consolidated, there may not be a savings over the entire life of the line if you make only the minimum payments. Federally guaranteed student loans and other loans with special government benefits should not be consolidated because you may lose the benefits. 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. Property insurance is required on the property securing the loan, and flood insurance is required when the property is in a flood zone. Closing costs will be required up to $750, which may vary based on the market. 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. If your payment is more than 10 days late there is a Late Payment Fee of 5% of the payment due. Consult a tax advisor regarding the deductibility of interest. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
Home Equity LTV 85% or Less	-	-	6.75%
Details Home Equity Line of Credit Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
Home Equity 61-120 Months Fixed	-	-	7.50%	120 Months
Details Home Equity Loans (LTV 85% or Less) Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
Home Equity Fixed-Rate Loan	-	-	7.50%	60, 120, or 180 months
Details Fixed rate for the duration of the loan. APR is determined at the time of approval and is dependent on borrower's creditworthiness, loan term, and Loan-to-Value. Example: $30,000 loan for 120-month term at 7.50% APR and LTV 85% or less will have a monthly payment of $356.17. APR will be higher if LTV exceeds 85%. Closing costs of up to $851 apply. 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. Available for second lien position mortgage loans only. Property insurance is required. Consult a tax advisor regarding the deductibility of interest. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
Home Equity Loan	-	-	7.50%	60, 120, or 180 months
Details As Low As; The maximum allowable loan-to-value (LTV) is 100%. The APR will be higher if the LTV exceeds 85%. Closing costs of up to $851 will apply; these costs may vary based on the market. 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 may lose the benefits. Consult a tax advisor regarding the deductibility of interest. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
Home Equity 121-180 Months Fixed	-	-	7.75%	180 Months
Details Home Equity Loans (LTV 85% or Less) Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
Home Equity 60 Months Fixed	-	-	7.75%	60 Months
Details Home Equity Loans (LTV 85.1% - 100%) Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
Home Equity LTV 85.1% - 100%	-	-	8.25%
Details Home Equity Line of Credit Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
Home Equity 61-120 Months Fixed	-	-	8.50%	120 Months
Details Home Equity Loans (LTV 85.1% - 100%) Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
Home Equity 121-180 Months Fixed	-	-	8.75%	180 Months
Details Home Equity Loans (LTV 85.1% - 100%) Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%

Wright-Patt Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Loan	-	-	5.24%	Up to 84 months
Details As Low As; Loan amounts up to $7,999 have a maximum term of 63 months. Loan amounts of $8,000 to $17,999 have a maximum term of 75 months. Loan amounts of $18,000 or more have a maximum term of 84 months. Loan terms of 64-75 months require a minimum loan amount of $8,000, and loan terms 76 months or longer require a minimum loan amount of $18,000. Automobiles and motorcycles 2020 or older have a maximum term of 75 months. Automobiles and motorcycles 2021 or newer have a maximum term of 84 months. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
Auto Loans (2023 or Newer) - Up to 63 Months	-	-	5.24%
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
Auto Loans (2022 or Older) - Up to 63 Months	-	-	5.74%
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
Auto Loans (2023 or Newer) - 64-75 Months	-	-	5.74%
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
Auto Loans (2022 or Older) - 64-75 Months	-	-	6.24%
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
Auto Loans (2023 or Newer) - 76-84 Months	-	-	6.24%
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
Auto Loans (2022 or Older) - 76-84 Months	-	-	6.54%
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%

Wright-Patt Credit Union Personal Loan Rates

Product	Rate	APR	View More
Personal Signature Loan	-	11.99%
Details As Low As; 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 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%

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.
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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 1,443

Part-Time Employees 65

Branch Locations 38

ATM Locations 36

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

6.81%

Return on Assets (ROA)

0.6391%

Return on Equity (ROE)

5.8841%

Non-Performing Loans Ratio (NPL)

1.13%

Total Assets

9,381,555,306

Total Amount of Shares and Deposits

7,902,542,435

Total Shares and Deposits < 1 Year

7,211,661,134

Total Shares and Deposits 1 3 Years

421,414,262

Total Shares and Deposits > 3 Years

269,467,039

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

608,873,516

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

608,873,516

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

7,293,668,919

Total Interest Expense (Sum of items 6 8)

155,068,368

Share Certificates

45,190

Number of Accounts for Share Drafts

322,931

IRA KEOGH Accounts

10,566

Number of Accounts for Regular Shares

709,885

All other shares

31,269

Non Member Deposits

Money Market Shares

84,743

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

59,960,415

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)

400,386,864

Total Liabilities

8,450,209,375

Source: NCUA — Last Updated 09/30/2025

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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/.