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Wright-Patt Credit Union Rates & Review September 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
Location-Based Rate Tables
Bank & Credit Union Health Safety Ratings
Bank & Credit Union Star Ratings
Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
|✓Fact Checked|Rates Last Updated and Verified: September 22, 2026
Wright-Patt Credit Union's 48 - 59 Month Business CDs Minimum rates are at 3.97%, 48 - 59 Month Business CDs Minimum rates are at 3.97%, 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%. Wright-Patt Credit Union's savings rates are at 1.25%. Wright-Patt Credit Union's Personal Loan Rates are as low as 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 6.62%. Rates last updated and verified on 09/22/2026.
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.
Wright-Patt Credit Union has earned an overall safety grade of A (Excellent, Score: 97/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective NCUA regulatory data.
MonitorBankRates Rating
?
5.0
ExceptionalOut of 5.0 Stars
MonitorBankRates Star Rating
Wright-Patt Credit Union has earned a Star Rating of 5.0 out of 5 stars (Exceptional).
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
?
6.62%
ExcellentHigher than avg
Wright-Patt Credit Union Texas Ratio
Wright-Patt Credit Union's Texas Ratio is 6.62%, which is considered excellent and is higher than the national average of 6.13%.
Wright-Patt Credit Union has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
4.34% to 6.62% over 12 quarters, worseningFull history
Star Rating 5.0 to 5.0, Health Grade A+ to A
The Texas Ratio for this credit union has weakened since Q2 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
DetailsBalance: $0.00 - $1,000.00; The Enhanced Health Savings Account (HSA) is a variable rate account, and the dividend rates and APYs may change after the account is opened. Fees may reduce earnings. All members are required to open and maintain a TrueSaver account in order to have any other WPCU product or service.
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.62%
Health Savings Account
-
7.00%
Min Balance$0
DetailsBalance: $0.01 to $1,000.00
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.62%
TrueSaver: Qualifying Balance
-
7.00%
Min Balance$0
DetailsBalance: $0.01 to $1,000.00
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.62%
TrueSaver
-
4.00%
Min Deposit$5
Min Balance$0
DetailsQualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Intro rate expires: 12 months; Regular APR: 19.99% - 29.99%
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.62%
Business Money Market Savings Account
-
2.50%
Min Deposit$100
Min Balance$100
DetailsBalance: $100.00 to $2,499.99
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.62%
Business Money Market Savings Account
-
2.50%
Min Deposit$100
Min Balance$2,500
DetailsBalance: $2,500.00 to $9,999.99
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.62%
Business Money Market Savings Account
-
2.50%
Min Deposit$100
Min Balance$10,000
DetailsBalance: $10,000.00 to $49,999.99
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.62%
Business Money Market Savings Account
-
2.50%
Min Deposit$100
Min Balance$50,000
DetailsBalance: $50,000.00 and Higher
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.62%
Money Market Savings Account
-
2.50%
Min Balance$100
DetailsBalance: $100.00 to $2,499.99
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.62%
Money Market Savings Account
-
2.50%
Min Balance$2,500
DetailsBalance: $2,500.00 to $9,999.99
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.62%
Money Market Savings Account
-
2.50%
Min Balance$10,000
DetailsBalance: $10,000.00 to $49,999.99
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.62%
Money Market Savings Account
-
2.50%
Min Balance$50,000
DetailsBalance: $50,000.00 and Higher
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.62%
Enhanced Health Savings Account
-
1.25%
Min Balance$1,000
DetailsPublished APY range: 1.25% - 7.00%. Balance: $1,000.01 and over; The Enhanced Health Savings Account (HSA) is a variable rate account, and the dividend rates and APYs may change after the account is opened. Fees may reduce earnings. All members are required to open and maintain a TrueSaver account in order to have any other WPCU product or service.
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.62%
Health Savings Account
-
1.25%
Min Balance$1,000
DetailsPublished APY range: 1.25% - 7.00%. Balance: $1,000.01 and Higher
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.62%
TrueSaver: Non-Qualifying Balance
-
0.25%
Min Balance$0
DetailsBalance: $0.01 and Higher
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.62%
TrueSaver: Qualifying Balance
-
0.25%
Min Balance$1,000
DetailsPublished APY range: 0.25% - 7.00%. Balance: $1,000.01 and Higher
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.62%
Club Account
-
0.15%
Min Balance$0
DetailsBalance: $.01 and Higher
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.62%
EasySaver Share
-
0.15%
Min Balance$0
DetailsBalance: $0.01 to $500.00
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.62%
EasySaver Share
-
0.15%
Min Balance$500
DetailsBalance: $500.01 and Higher
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.62%
Wright-Patt Credit Union Money Market Rates
Product
Rate
APY
View More
Business Money Market Savings Account
-
2.50%
Min Deposit$100
Min Balance$100
DetailsBalance: $100.00 to $2,499.99
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.62%
Business Money Market Savings Account
-
2.50%
Min Deposit$100
Min Balance$2,500
DetailsBalance: $2,500.00 to $9,999.99
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.62%
Business Money Market Savings Account
-
2.50%
Min Deposit$100
Min Balance$10,000
DetailsBalance: $10,000.00 to $49,999.99
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.62%
Business Money Market Savings Account
-
2.50%
Min Deposit$100
Min Balance$50,000
DetailsBalance: $50,000.00 and Higher
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.62%
Money Market Savings Account
-
2.50%
Min Balance$100
DetailsBalance: $100.00 to $2,499.99
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.62%
Money Market Savings Account
-
2.50%
Min Balance$2,500
DetailsBalance: $2,500.00 to $9,999.99
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.62%
Money Market Savings Account
-
2.50%
Min Balance$10,000
DetailsBalance: $10,000.00 to $49,999.99
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.62%
Money Market Savings Account
-
2.50%
Min Balance$50,000
DetailsBalance: $50,000.00 and Higher
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.62%
Wright-Patt Credit Union Checking Rates
Product
Rate
APY
View More
Business Dividend Choice/Mission Based Checking
-
0.08%
Min Balance$25,000
DetailsBalance: $25,000.00 and Higher
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.62%
Checking With Dividends
-
0.08%
Min Balance$25,000
DetailsBalance: $25,000.00 and Higher
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.62%
Dividend Choice/Mission Based Checking
-
0.08%
Min Balance$25,000
DetailsBalance: $25,000.00 and Higher
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.62%
Business Dividend Choice/Mission Based Checking
-
0.04%
Min Balance$0
DetailsBalance: $0.01 to $9,999.99
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.62%
Business Dividend Choice/Mission Based Checking
-
0.04%
Min Balance$10,000
DetailsBalance: $10,000.00 to $24,999.99
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.62%
Checking With Dividends
-
0.04%
Min Balance$0
DetailsBalance: $0.01 to $9,999.99
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.62%
Checking With Dividends
-
0.04%
Min Balance$10,000
DetailsBalance: $10,000.00 to $24,999.99
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.62%
Dividend Choice/Mission Based Checking
-
0.04%
Min Balance$0
DetailsBalance: $0.01 to $9,999.99
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.62%
Dividend Choice/Mission Based Checking
-
0.04%
Min Balance$10,000
DetailsBalance: $10,000.00 to $24,999.99
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.62%
Select Checking with Dividends
-
0.04%
Min Balance$1,000
DetailsBalance: $1,000.00 and Higher
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.62%
Wright-Patt Credit Union Home Equity & HELOC
Product
Rate
Points
APR
Term
View More
Home Equity Line of Credit - LTV 85% or Less
-
-
6.75%
DetailsPublished APR range: 6.75% - 12.25%.
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.62%
Home Equity Loans (LTV 85% or Less) - 60 Months Fixed
-
-
6.75%
60 Months
DetailsPublished APR range: 6.75% - 8.25%.
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.62%
Home Equity Loans (LTV 85% or Less) - 61-120 Months Fixed
-
-
7.50%
120 Months
DetailsPublished APR range: 7.50% - 9.00%.
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.62%
Home Equity Loans (LTV 85% or Less) - 121-180 Months Fixed
DetailsLoan 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 Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.62%
Wright-Patt Credit Union RV, Boat and Powersport Loan Rates
Product
Rate
APR
Term
View More
Motorcycle Loans (2023 or Newer) - Up to 63 Months
-
6.54%
Up to 63 Months
DetailsPublished APR range: 6.54% - 17.75%.
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.62%
Motorcycle Loans (2022 or Older) - Up to 63 Months
-
7.04%
Up to 63 Months
DetailsPublished APR range: 7.04% - 17.75%.
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.62%
Motorcycle Loans (2023 or Newer) - 64-75 Months
-
7.04%
75 Months
DetailsPublished APR range: 7.04% - 17.75%.
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.62%
RV & Watercraft Loans (2023 or Newer) - Up to 84 Months
-
7.34%
Up to 84 Months
DetailsPublished APR range: 7.34% - 17.25%.
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.62%
RV/Watercraft Loan
7.34%
7.34%
Up to 240 months
DetailsAs 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 Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.62%
Motorcycle Loans (2022 or Older) - 64-75 Months
-
7.54%
75 Months
DetailsPublished APR range: 7.54% - 17.75%.
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.62%
Motorcycle Loans (2023 or Newer) - 76-84 Months
-
7.54%
84 Months
DetailsPublished APR range: 7.54% - 16.04%.
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.62%
RV & Watercraft Loans (2022 or Older) - Up to 84 Months
-
7.84%
Up to 84 Months
DetailsPublished APR range: 7.84% - 17.25%.
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.62%
Motorcycle Loans (2022 or Older) - 76-84 Months
-
8.04%
84 Months
DetailsPublished APR range: 8.04% - 11.64%.
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.62%
RV & Watercraft Loans (2023 or Newer) - 85-240 Months
-
8.34%
240 Months
DetailsPublished APR range: 8.34% - 16.74%.
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.62%
RV & Watercraft Loans (2022 or Older) - 85-240 Months
-
8.84%
240 Months
DetailsPublished APR range: 8.84% - 17.24%.
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.62%
RV/Watercraft Loan
17.25%
17.25%
Up to 240 months
DetailsLoan 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 Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.62%
Motorcycle Loan
17.75%
17.75%
Up to 84 months
DetailsLoan 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 Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.62%
Wright-Patt Credit Union Personal Loan Rates
Product
APR
Term
View More
Personal Signature Loan
11.99%
Up to 60 months
DetailsAs 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 Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.62%
Signature Loan - Up to 60 Months
11.99%
Up to 60 Months
DetailsPublished APR range: 11.99% - 18.00%.
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.62%
Personal Signature Loan
18.00%
Up to 60 months
DetailsLoan 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 Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.62%
Wright-Patt Credit Union Other Rates
Product
Rate
Points
APY/APR
Term
View More
Business Platinum Low Rate Loan
-
-
9.75%
DetailsPublished APR range: 9.75% - 13.75%.
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.62%
Business Platinum Rewards Loan
-
-
12.75%
DetailsPublished APR range: 12.75% - 16.75%.
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.62%
First Time User Loan
-
-
17.99%
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.62%
Low Rate Platinum Loan
9.75%
-
9.75%
DetailsRegular APR: 17.75%; The APR for Purchases, Balance Transfers and Cash Advances for the Low Rate Platinum and WSUAA Low Rate Platinum credit cards will vary from Prime Rate + 3.00% (currently 9.75% APR) to Prime Rate + 11.00% (currently 17.75% APR), depending upon your creditworthiness.
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.62%
Platinum Low Rate Loan
-
-
9.75%
DetailsPublished APR range: 9.75% - 17.75%.
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.62%
Platinum Rewards Loan
-
-
12.75%
DetailsPublished APR range: 12.75% - 20.75%.
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.62%
QCash - Up to 24 Months Loan
-
-
17.00%
Up to 24 Months
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.62%
ReadyLine Line of Credit
17.75%
-
17.75%
DetailsAn advance on the Ready Line of Credit is considered a cash advance.
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.62%
ReadyLine Line of Credit
-
-
9.75%
DetailsPublished APR range: 9.75% - 17.75%.
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.62%
StretchPay Line of Credit
25.00%
-
25.00%
2 months
DetailsThe SPLOC must be paid in full before funds can be advanced - partial or subsequent advances are not permitted. Prior to the first advance, borrowers are required to deposit funds into their TrueSaver share account in the amount of $15 for a $150 credit limit, $25 for a $250 credit limit, and $50 for a $500 credit limit that will be held and unavailable for withdrawal until the first annual renewal date or the SPLOC is closed. SPLOC annual renewals are subject to credit review and approval. SPLOCs that have been auto approved for annual renewal expires after 60 days, afterward the borrower must reapply. The annual renewal fee must be in the borrower's WPCU account and paid prior to loan advance. An advance on a SPLOC is considered a cash advance.
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.62%
StretchPay Loan
-
-
25.00%
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.62%
Wright State Alumni Platinum Low Rate Loan
-
-
9.75%
DetailsPublished APR range: 9.75% - 17.75%.
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.62%
Wright State Alumni Rewards Loan
-
-
12.75%
DetailsPublished APR range: 12.75% - 20.75%.
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.62%
Wright State University Alumni Association (WSUAA) Low Rate Platinum Loan
9.75%
-
9.75%
DetailsRegular APR: 17.75%; The APR for Purchases, Balance Transfers and Cash Advances for the Low Rate Platinum and WSUAA Low Rate Platinum credit cards will vary from Prime Rate + 3.00% (currently 9.75% APR) to Prime Rate + 11.00% (currently 17.75% APR), depending upon your creditworthiness.
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.62%
WSUAA Rewards Loan
12.75%
-
12.75%
DetailsEarn 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: 20.75%; The APR for Purchases, Balance Transfers and Cash Advances for the Platinum Rewards and WSUAA Rewards credit cards will vary from Prime Rate + 6.00% (currently 12.75% APR) to Prime + 14.00% (currently 20.75% APR), depending upon your creditworthiness.
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.62%
Add-On Traditional or Roth IRA
-
-
3.60%
18 Month
Min Balance$100
DetailsTerm: 18 Month Variable Rate
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.62%
Add-On Traditional or Roth IRA
-
-
3.60%
18 Month
Min Balance$100,000
DetailsTerm: 18 Month Variable Rate
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.62%
Add-On Traditional or Roth IRA
-
-
3.80%
18 Month Fixed Rate
Min Balance$100
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.62%
Add-On Traditional or Roth IRA
-
-
3.80%
18 Month Fixed Rate
Min Balance$100,000
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.62%
Business Share Account
-
-
0.25%
Min Deposit$5
Min Balance$5
DetailsBalance: $5.00 - $500.00
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.62%
Business Share Account
-
-
0.25%
Min Deposit$5
Min Balance$500
DetailsBalance: $500.01 and Higher
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.62%
Secondary Share
-
-
0.25%
Min Balance$0
DetailsBalance: $0.01 to $500.00
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.62%
Secondary Share
-
-
0.25%
Min Balance$500
DetailsBalance: $500.01 and Higher
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.62%
Single Deposit Traditional or Roth IRA Minimum
-
-
3.65%
6-11 Month
Min Balance$500
Details$500
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.62%
Single Deposit Traditional or Roth IRA Minimum
-
-
3.75%
12-17 Month
Min Balance$500
Details$500
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.62%
Single Deposit Traditional or Roth IRA Minimum
-
-
3.80%
18-23 Month
Min Balance$500
Details$500
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.62%
Single Deposit Traditional or Roth IRA Minimum
-
-
3.86%
24-35 Month
Min Balance$500
Details$500
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.62%
Single Deposit Traditional or Roth IRA Minimum
-
-
3.92%
36-47 Month
Min Balance$500
Details$500
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.62%
Single Deposit Traditional or Roth IRA Minimum
-
-
3.97%
48-59 Month
Min Balance$500
Details$500
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.62%
Single Deposit Traditional or Roth IRA Minimum
-
-
3.65%
6-11 Month
Min Balance$100,000
Details$100,000
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.62%
Single Deposit Traditional or Roth IRA Minimum
-
-
3.75%
12-17 Month
Min Balance$100,000
Details$100,000
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.62%
Single Deposit Traditional or Roth IRA Minimum
-
-
3.80%
18-23 Month
Min Balance$100,000
Details$100,000
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.62%
Single Deposit Traditional or Roth IRA Minimum
-
-
3.86%
24-35 Month
Min Balance$100,000
Details$100,000
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.62%
Single Deposit Traditional or Roth IRA Minimum
-
-
3.92%
36-47 Month
Min Balance$100,000
Details$100,000
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.62%
Single Deposit Traditional or Roth IRA Minimum
-
-
3.97%
48-59 Month
Min Balance$100,000
Details$100,000
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.62%
Financial Health History
Wright-Patt Credit Union’s Texas Ratio rose from 4.34% in Q2 2023 to 6.62% in Q1 2026, so its financial health has weakened 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
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+
June 30, 2023
$8.1B
4.34%
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.
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
638,798,389
Total Uninsured Shares and Deposits > $250K (F+J)
638,798,389
Total Insured Shares and Deposits > $250K (item 17 less item K)
7,526,851,865
Total Interest Expense (Sum of items 6 8)
48,224,268
Share Certificates
44,311
Number of Accounts for Share Drafts
324,807
IRA KEOGH Accounts
10,381
Number of Accounts for Regular Shares
705,992
All other shares
29,937
Non Member Deposits
6
Money Market Shares
88,762
Net Income (unless the amount is already included in Undivided Earnings)
19,642,187
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)
333,853,958
Total Liabilities
8,642,468,067
Source: NCUA — Last Updated 03/31/2026
2026 MBR Health & Safety Badge
Wright-Patt Credit Union earned the Verified Healthy badge
Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.
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Learn more about the MBR Health & Safety Badge program on our methodology page.
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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%
Savings1.25%
Retrieved from our database of financial products. Rates subject to change.
Brian McKay
