Wright-patt Credit Union, Inc.
Headquarters
3560 Pentagon Blvd
Beavercreek, OH 45431
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Phone 1-937-912-7000
2024 Overview
General Credit Union Information
Wright-patt Credit Union, Inc. is an NCUA insured institution located in Beavercreek, OH. It was founded in 1932 and has approximately $8334.34 millions in assets.
Who can join?
Most residents of the Miami Valley are eligible for the great benefits of membership at Wright-Patt. If you meet one of the descriptions below, call or stop by today to begin enjoying the many ways it pays to belong at Wright-Patt Credit Union!
Wright-Patt Credit Union proudly serves:
Individuals who live, work, worship or attend school in Montgomery, Greene, Warren, Miami, Clark, Clinton, Champaign, or Hamilton counties in Ohio.
Military and civilian employees of Wright-Patterson Air Force Base.
Military personnel residing in a 14-county area adjacent to the Fairborn area who do not have a credit union available.
Retired United States Government military and civilian personnel.
Government employees residing near WPAFB who do not have credit union facilities at their places of employment.
Wright State University students, faculty, staff, and Alumni Association members.
Select groups made up of people associated through employment, geographic location, or other organizational affiliation.
List of select groups ( http://www.wpcu.coop/Index/OpenAccountsLoans/BecomeAMember/SelectEmployerGroup.aspx )
Spouses, children, and certain other relatives of those eligible for WPCU membership.
| NCUA Insured | Yes / State-Chartered |
| Charter Number # | # 66328 |
| Date Established | 1932 |
| Assets | $8,334.34 million |
| Loans | $6,070.12 million |
| Deposits | $6,952.06 million |
| Capital | $908.04 million |
Field of Membership Restrictions
Wright-Patt Credit Union serves:
Individuals who live, work, worship or attend school in Montgomery, Greene, Butler, Champaign, Clark, Clinton, Franklin, Hamilton, Miami, or Warren counties in Ohio.
Military and civilian employees of Wright-Patterson Air Force Base.
Military personnel residing in a 14-county area adjacent to the Fairborn area who do not have a credit union available.
Retired United States Government military and civilian personnel.
Government employees residing near WPAFB who do not have credit union facilities at their places of employment.
Wright State University students, faculty, staff, and Alumni Association members.
Select groups made up of people associated through employment, geographic location, or other organizational affiliation.
Spouses, children, and certain other relatives of current for WPCU members.
Deposit Rates - April 23, 2024
Your Current Location: Ohio, OH 43085
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| SAV
|
7.00% | $1 | $1,000 |
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|
| Qualifying TrueSaver
|
0.25% | $1,001 | - |
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|
|
Money Market
|
3.50% | $100 | $2,499 |
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|
|
Money Market
|
3.50% | $2,500 | $9,999 |
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|
|
Money Market
|
3.50% | $10,000 | $24,999 |
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|
|
Money Market
|
3.50% | $50,000 | - |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Mo CD
|
5.17% | $500 | $99,999 |
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|
| 6 Mo CD
|
5.27% | $100,000 | - |
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|
| 12 Mo CD
|
5.17% | $500 | $99,999 |
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|
| 12 Mo CD
|
5.27% | $100,000 | - |
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|
| 18 Mo CD
|
4.96% | $500 | $99,999 |
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|
| 18 Mo CD
|
5.06% | $100,000 | - |
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|
| 24 Mo CD
|
4.75% | $500 | $99,999 |
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|
| 24 Mo CD
|
4.85% | $100,000 | - |
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|
| 30 Mo CD
|
4.75% | $500 | $99,999 |
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|
| 30 Mo CD
|
4.85% | $100,000 | - |
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|
| 36 Mo CD
|
4.39% | $500 | $99,999 |
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|
| 36 Mo CD
|
4.49% | $100,000 | - |
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|
| 48 Mo CD
|
4.23% | $500 | $99,999 |
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|
| 48 Mo CD
|
4.33% | $100,000 | - |
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|
| 60 Mo CD
|
4.07% | $500 | $99,999 |
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|
| 60 Mo CD
|
4.18% | $100,000 | - |
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|
| 72 Month
|
4.18% | $500 | $99,999 |
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|
| 72 Month
|
4.28% | $100,000 | - |
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|
| Int Checking Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Int Ckg
|
0.04% | $1 | $99 | Learn More |
| Int Ckg
|
0.04% | $2,500 | $3,499 | Learn More |
Loan Rates - April 23, 2024
Your Current Location: Ohio, OH 43085
| Home Equity Rates | APR | Rate | Monthly Payment | |
|---|---|---|---|---|
| Line of Credit See Table |
5.00% | 5.00% | Varies | |
Compare with 7.49 RATE Line of Credit from Third Federal Savings and Loan
See All Home Equity Rates |
||||
| 10 Year Loan
See Table |
5.00% | 5.00% | $1,060.66 | |
| 15 Year Loan
See Table |
5.50% | 5.50% | $817.08 | |
| Auto Loan Rates | APR | Rate | Monthly Payment | |
|---|---|---|---|---|
| 3 Year | 3.19% | 3.19% | $729.13 | |
| 4 Year | 3.19% | 3.19% | $555.46 | |
| 5 Year | 3.19% | 3.19% | $451.33 |
| Refinance Mortgage Rates | APR | Rate | Monthly Payment | |
|---|---|---|---|---|
| 15 Year Fixed Conforming See Amortization Table |
7.37% | 6.88% | $2,854.82 | |
| 20 Year Fixed Conforming See Amortization Table |
7.64% | 7.25% | $2,529.20 | |
| 30 Year Fixed Conforming See Amortization Table |
7.66% | 7.38% | $2,211.25 |
| Purchase Mortgage Rates | APR | Rate | Monthly Payment | |
|---|---|---|---|---|
| 15 Year Fixed Conforming See Amortization Table |
7.37% | 6.88% | $2,854.82 | |
| 20 Year Fixed Conforming See Amortization Table |
7.64% | 7.25% | $2,529.20 | |
| 30 Year Fixed Conforming See Amortization Table |
7.66% | 7.38% | $2,211.25 | |
Compare with 6.994% APR and 6.875% 30-Year Fixed RATE from Tomo Mortgage, LLC
See All Mortgage Rates |
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Monthly payments for mortgage products are based on a loan amount of $200,000. Home equity monthly payments are based on a loan amount of $50,000. Auto loan monthly payments are based on a loan amount of $25,000. Rates for each product are based on a variety of factors including credit score and loan amount. For specific requirements please check with the lender. Rates may change at any time.
Branches
Below are Wright-patt Credit Union, Inc. branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.
Your Location:
Columbus,Ohio
Climate Policy and Initiatives
WRIGHT-PATT CREDIT UNION, INC. is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.
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Financial Details
Wright-patt Credit Union, Inc. Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of Wright-patt Credit Union, Inc.. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.
Texas Ratio
| Wright-patt Credit Union, Inc. | U.S. Average |
|---|---|
| 11.29% | 6.97 |
The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.
As of December 31, 2023, Wright-patt Credit Union, Inc. had $101,214,632 in non-current loans and $6,449,163 in owned assets. To cover these potential losses it had $908,040,169 in net worth and $45,791,425 in loans loss reserves. That gives it a Texas Ratio of 11.29%.
Net Worth
| Wright-patt Credit Union, Inc. | U.S. Average |
|---|---|
| 10.88% | 13.62% |
Wright-patt Credit Union, Inc. FCU has a net worth of 10.88% versus the BestCashCow average of 13.62. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
Customer Reviews for Wright-patt Credit Union, Inc.
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