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Products & Rates | Wright-Patt Credit Union

Save Money

Save Money

Save Money

  • Save Better with WPCU: Checking Account; TrueSaver; HSA Health Savings; Youth, Student, Custodial & Club Accounts; Certificates; IRA; Money Markets; free online banking and more.

TrueSaver

TrueSaver

TrueSaver

  • Our very highest rate from the first penny saved — saving money has changed.

EasySaver

EasySaver

EasySaver

  • Build your savings with every debit card purchase — a smarter way to shop.

Health Savings Accounts

Health Savings Accounts

Health Savings Accounts

  • Our very highest savings rate from your first penny saved — the right solution for your healthcare savings needs.

Certificates & IRAs

Certificates & IRAs

Certificates & IRAs

  • Competitive rates and terms from 6 to 72 months — make the most of your savings.

Money Market Accounts

Money Market Accounts

Money Market Accounts

  • For savings of $100 and higher — combines the best in money market benefits with convenience.

Club Accounts

Club Accounts

Club Accounts

  • Easy way to start saving 3 to 12 months ahead — a better way to budget for life’s known expenses.

Youth Accounts & Navigators Club

Youth Accounts & Navigators Club

Youth Accounts & Navigators Club

  • Teach your child lessons that last a lifetime — good savings habits start early.

Custodial Accounts

Custodial Accounts

Custodial Accounts

  • The control is yours, but the money is theirs — start a solid savings foundation for the child in your life.

College Student Accounts

College Student Accounts

College Student Accounts

  • Discounted auto loans, one-time fee waiver, free checks and ATM/debit card — everyday essentials for college students ages 17 to 24.


Buy/Refi A Home

Buy/Refi A Home

Buy/Refi A Home

  • Borrow Smarter with WPCU: Fixed Rate, ARM, first time home buyer, construction, FHA & VA Mortgage Loans; Home Equity Line of Credit; Refinancing and more.

Mortgage Loans

Mortgage Loans

Mortgage Loans

  • Fixed rate, ARMs, First Time Homebuyer, Construction, FHA, and VA — let us find the Wright Mortgage 4 You.

Construction Loans

Construction Loans

Construction Loans

  • We offer expert advice and a variety of Construction Loan programs, allowing you to build the home of your dreams.

Home Equity Loans

Home Equity Loans

Home Equity Loans

  • Have a specific purchase in mind and have a good handle on how much it will cost. A Home Equity loan is the perfect way to go.

Home Equity Line of Credit

Home Equity Line of Credit

Home Equity Line of Credit

  • A Home Equity Line of Credit is an affordable way to remodel, consolidate debt, and more.

Good Faith Guarantee

Good Faith Guarantee

Good Faith Guarantee

  • Your closing costs are guaranteed — or we’ll pay the difference.

Foreclosure Assistance

Foreclosure Assistance

Foreclosure Assistance

  • Acting now is the most important step — learn the best way to keep your home.

Buying A Home

Buying A Home

Buying A Home

  • Learn how to buy a home — live the American Dream.

Refinancing Your Home

Refinancing Your Home

Refinancing Your Home

  • You may be paying more than you need to — save money with a Wright 4 You Mortgage.

Mortgage Originators

Mortgage Originators

Mortgage Originators

  • Meet the Columbus originators at Wright-Patt Credit Union!

Columbus Mortgage Originators

Columbus Mortgage Originators

Columbus Mortgage Originators

  • Meet the Columbus originators at Wright-Patt Credit Union!

Help with HARP

Help with HARP

Help with HARP

  • The Home Affordable Refinance Program (HARP) was designed to assist homeowners with a Fannie Mae loan refinance to a lower interest rate – even if they owe more than the home’s current value.

VA Loans

VA Loans

VA Loans

  • 30-year loans, no down payment, no PMI requirements — military friendly.


Get A Loan

Get A Loan

Get A Loan

  • At Wright-Patt Credit Union get Low Rate Credit Cards, Home Equity Loans, Lines of Credit, Mortgage Loans, Auto Loans. Dayton, Springfield, and Columbus.

Auto Loans

Auto Loans

Auto Loans

  • Quick, affordable, and flexible — on the road to borrowing smarter.

Auto Buying Program

Auto Buying Program

Auto Buying Program

  • No-hassle pricing, along with free auto specs, reviews, and buying advice - shop smarter for a new or used vehicle.

Platinum Low Rate Credit Card Offer

Platinum Low Rate Credit Card Offer

Platinum Low Rate Credit Card Offer

  • Big banks are raising interest rates — don’t pay more than you have to!

Student Choice Loans

Student Choice Loans

Student Choice Loans

  • Zero origination fees, lower rates, and flexible repayment terms — a better way to achieve the dream of higher education.

Personal Loans

Personal Loans

Personal Loans

  • With low rates, easy terms, and no collateral required, a personal loan is a smart way to go.

ReadyLine Line of Credit

ReadyLine Line of Credit

ReadyLine Line of Credit

  • ReadyLine is a revolving line of credit that you can use whenever expenses hit, whether they’re expected or unexpected.

StretchPay®†

StretchPay®†

StretchPay®†

  • Avoid high rates and fees — an economical alternative to payday loans and check cashing outlets.

Home Equity Loans

Home Equity Loans

Home Equity Loans

  • Get a Home Equity Loan, or a Home Equity Line of Credit from Wright-Patt Credit Union. We serve Dayton, Springfield, Cincinnati, and Columbus.

Home Equity Line of Credit

Home Equity Line of Credit

Home Equity Line of Credit

  • Get a low rate Home Equity Line Of Credit at Wright Patt Credit Union. Borrow up to 100% on your home. Dayton, Springfield, Cincinnati, and Columbus.

First Time User Credit Card

First Time User Credit Card

First Time User Credit Card

  • A low rate and no annual fee is a great way to establish and manage credit for first time borrowers.

Wright State Alumni Credit Card

Wright State Alumni Credit Card

Wright State Alumni Credit Card

  • Learn a Lot about Your Finances with Tips & Tools from WPCU: iPhone, Android; Online Banking; Home Banking; Mobile App; Bill Pay; Safe, Secure, FREE!


Checking

Checking

Checking

  • Manage Your Hard-Earned Money Better with WPCU: Totally Fair Checking with no hidden fees; Checking with dividends; free debit card, online banking, bill pay and more.

Totally Fair Checking

Totally Fair Checking

Totally Fair Checking

  • No surprises or hidden fees, unlimited check writing and more — the smarter way to manage your money.

EasySaver

EasySaver

EasySaver

  • Want an easy way to save money? Check out our EasySaver debit card program.

ATM/Debit Card

ATM/Debit Card

ATM/Debit Card

  • Access your account anywhere you go with a free chip debit card or ATM card.

TrueSaver

TrueSaver

TrueSaver

  • Truesaver is our best savings account, and we offer our best savings account interest rates from the first penny saved. Plus manage your online savings account for free!

Checking with Dividends

Checking with Dividends

Checking with Dividends

  • Earn dividends on balances above $1,000 — let your money work for you.

Check Re-Order

Check Re-Order

Check Re-Order

  • Reordering your checks couldn’t be easier. Through our exclusive partnership with Deluxe Corp., you can order new checks online, check your order status and more


Business Accounts

Business Accounts

Business Accounts

  • Wright-Patt Credit Union offers the tools you need to build a successful business. Whether you're just starting out, looking to expand or need a better solution for your everyday financial needs, our Member Business Services team can help you reach your goals.

Business Service Team

Business Service Team

Business Service Team

  • Invest in Your Future with WPCU: College & Retirement Planning; 401(k) Rollover; self or advisor-assisted investing; AD&D, Long-Term Care & Life Insurance; and more.

Contact Business Services

Contact Business Services

Contact Business Services

  • Contact Wright-Patt's business services team by completing an online form.

Corporate Businesses

Corporate Businesses

Corporate Businesses

  • Grow Your Business with WPCU: Business Checking; Commercial Real Estate; SBA, Term & Micro Loans; Merchant Services; Retirement Plans; HSA; Check Conversion and more.

Small Businesses

Small Businesses

Small Businesses

  • Grow Your Business with WPCU: Business Checking; Commercial Real Estate; SBA, Term & Micro Loans; Merchant Services; Retirement Plans; HSA; Check Conversion and more.

Deposit Services

Deposit Services

Deposit Services

  • Competitive rates and low fees — smart financial services to help you run your business.

Business Loans

Business Loans

Business Loans

  • Loans up to $7 million — let us help your business grow.

Merchant Services

Merchant Services

Merchant Services

  • Process debit/credit card transactions, open an online store, and offer gift cards — increase efficiency and drive sales.


Smarter Services to Help Your Business Grow

Retirement Solutions

Retirement Solutions

Retirement Solutions

  • Invest in Your Future with WPCU: College & Retirement Planning; 401(k) Rollover; self or advisor-assisted investing; AD&D, Long-Term Care & Life Insurance; and more.

Retirement Planning

Retirement Planning

Retirement Planning

  • Your goals are our passion — live happy. Schedule an appointment with our Retirement Solutions team today.

401(k) & SEP Rollovers

401(k) & SEP Rollovers

401(k) & SEP Rollovers

  • Financial advice on your retirement plan when leaving a job — our Retirement Solutions team can help you decide which option is best for you.

College Planning

College Planning

College Planning

  • Guidance to help you provide for your child’s education — our Retirement Solutions team can help you understand your options for beginning to invest in your child.

Life Insurance

Life Insurance

Life Insurance

  • Our Retirement Solutions team will help you select the right type of coverage and amount of insurance based on your unique situation.

Long-Term Care Insurance

Long-Term Care Insurance

Long-Term Care Insurance

  • Long-Term Care Insurance may be the best way to finance the health and in-home care you may need as a result of an injury or when you get older, without sacrificing your assets and independence.

Self-Directed Investing

Self-Directed Investing

Self-Directed Investing

  • Low-cost, online self-trading — take control of your investments. If you’re a savvy investor and like to take control of your own investment decisions, eVISION® may be right for you.

Advisor-Assisted Investing

Advisor-Assisted Investing

Advisor-Assisted Investing

  • Wright-Patt provides advisor-assisted investing through CFS and can help you develop a plan toward achieving financial goals.


*Mortgage loans processed and underwritten by myCUmortgage, LLC- a wholly-owned subsidiary of Wright-Patt Credit Union, Inc.

**Investment and insurance products and services offered through CUSO Financial Services, L.P. (CFS) are not NCUA/NCUSIF insured, not obligations of the credit union, not credit union guaranteed and may lose value. Advisors are employed by Wright-Patt Credit Union (WPCU) and registered through CFS. WPCU is in partnership with CFS. (Member FINRA/SIPC and SEC Registered Investment Advisor)

StretchPay® is a registered trademark of the Ohio Credit Union League.

Keep more of your hard-earned money. Check out our other websites:

Respect Your Money - Young Today, Money Smart TomorrowFraud Awareness - Protect Yourself From FraudWright 4 You Mortgage - A Perfect FitWPCU Student Choice - Better Way To Pay For College

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