Member Benefits

Our success depends on the commitment and contributions of our members. The more you are actively using Wright-Patt Credit Union, the stronger the credit union becomes and the more we can return back to you — like better rates and lower fees.

Through a program called Member Choice, we all increase the benefits of belonging to WPCU® by simply using the credit union in one or more of the following ways--

• Making deposits. Members who contribute as depositors earn great rates while making it possible for Wright-Patt Credit Union to make loans to other members in need.
• Taking out loans. Members who borrow contribute by paying interest on the money borrowed. This is used to pay dividends on the deposits that provided the loans and to cover the operating expenses of the credit union.
• Paying for transaction services as you go. This includes activities like cashing checks and withdrawing funds.

We encourage our members to do business with us at the lowest possible cost to them. In every instance where a fee applies, we also provide an alternative to avoid the fee.

Based on your average daily balance in deposits and month-end balance in loans*, you may be eligible for additional savings, exclusive offers, and fewer fees. View Member Choice for more details. The more you use Wright-Patt Credit Union, the more you gain!

Enjoy your member benefits with little to no fees

When taking advantage of everything Wright-Patt Credit Union has to offer, consider the following--

• Initiating direct deposit at least once a month automatically gives you Partner level status.

• Increasing your combined month-end loan and average daily deposit balances* to a monthly average of $300 or more provides you receive at least four FREE teller-assisted transactions each month.

• Using free automated services such as your ATM/Debit card at WPCU-owned ATMs, online and mobile banking, Mobile Deposit, and Call-24.

*Member Choice relationship is determined by a combination of average daily balance in deposits and month-end balances in loans. Student loans are not included. Month-end balances are used for assets under management by a financial advisor. All members with a first mortgage are automatically placed in the Premier group for 5 years. After 5 years, members with a first mortgage are placed in the relationship determined by their combination of average daily balance in deposits and month-end balance in loans.

Get $2,000 No-Cost coverage — Paid for you by Wright-Patt Credit Union, Inc.

Plus, you’ve got guaranteed acceptance for up to $300,000.00.

As a Wright-Patt Credit Union, Inc member age 18 or older, you are pre-authorized for up to $300,000.00 in optional coverage. With no doctor visits, health questions or lab tests, in minutes you can activate important accidental death and dismemberment insurance, underwritten by Minnesota Life Insurance Company. All coverage is reduced by 50% at age 70, regardless of age at enrollment. You cannot be turned down due to age or health.

Don’t delay. Help make sure your family can have money to spend on whatever they choose when you’re no longer with them.

Learn More »

Josh Mers, Licensed Insurance Agent #1471643
0122
1947555

As a Wright-Patt Credit Union member you have convenient access to more than 40,000 lower-to-no-fee ATMs nationwide. For the ATM nearest you, click here.

In order to provide members with the most convenient Member Center locations, we have partnered with other credit unions to offer shared locations around the country. These centers allow you to conduct most of your business as if they were a branch of your Wright-Patt Credit Union. For a Shared Branching location near you, click here.

Whether you’re closing on a loan or in a pinch and need to get money to someone fast, Wright-Patt Credit Union’s wire transfer service may be the answer.

All you have to do is tell us:

• Name and address of the financial institution receiving the funds
• Recipient’s Routing/Transit Number
• Recipient’s name, account number, and address
• The purpose of your wire
• SWIFT/BIC Code and IBAN, if the transfer is international

Please note: Additional information may be required. Domestic wires initiated in person or by phone before 4:00 pm EDT will be sent the same day*; international wires initiated by 2:00 pm EDT will be sent the same day*. In addition, a $20 fee does apply for domestic transfers and a $50 fee applies for international transfers.

Click here to schedule an appointment at a Member Center to make a wire transfer. 

*Pending verification of information. All wire verification items must be fulfilled no later than 4:00 pm EDT the same business day or the wire transfer request could be cancelled.

Why take the time each week to manually deposit your check when you can have it deposited automatically to your account? Save time with Direct Deposit.

You can even deposit your entire paycheck or just a portion, or allocate portions of your check to go to any savings or checking account or as payment towards a loan.

Access your account anytime by calling (937) 912-8000 or (800) 336-7277. You can check your account balances, make transfers between accounts and even pay your WPCU loans or credit cards by saying things like:

• “Check my savings account balance.”
• “Transfer $75 from checking to savings.”
• “Repeat, please.”
• “I want to make a payment on my new car loan."

Give the gift that always fits!

• Available in any dollar amount from $10 to $1000
• Can be used anywhere Visa^® debit cards are accepted
• Safer than cash
• Check available balance and transaction history online or by phone
• Easy to replace if lost or stolen

Visa® gift cards are only $3.00 per card.

Click here to schedule an appointment to purchase a Visa® Gift Card.

Protect your valuable items and personal documents from being damaged, lost or stolen. Five different sizes are available at our Gantt, Xenia and Downtown Dayton Member Centers.

Sizes and Rates:

• 3" x 5" x 22"- $25 per year
• 5" x 5" x 22"- $40 per year*
• 3" x 10" x 22" - $50 per year
• 5" x 10" x 22" - $75 per year
• 10" x 10" x 22" - $150 per year

*Xenia and Downtown Dayton Member Centers only. Applicable sales tax will be added to the rental fee.

You must have an appointment to access or open a Safe Deposit Box:

• Click here to schedule an appointment to open or close a Safe Deposit Box.
• Click here to schedule an appointment to access an existing Safe Deposit Box.

Money orders are a safe alternative to a personal check and available in amounts up to $1,000.

Official checks are guaranteed funds. They are withdrawn from your account prior to the check being issued.

You can redeem U.S. Savings Bonds issued by the U.S. Department of the Treasury at any Wright-Patt Credit Union Member Center. However, WPCU does not sell savings bonds.

Click here to schedule an appointment for a U.S. Savings Bond.

Members have access to free notary service at any Member Center. Just call ahead or schedule an appointment to be sure a notary is available and bring a valid photo ID. It’s as simple as that!

With Purchase Rewards*, when you activate selected offers and pay with your debit card you’ll receive cash-back. Just go to the Purchase Rewards section of Online Banking or the Wright-Patt Credit Union free Mobile Banking App and choose your offers.

Log in and get started earning money today. Just Click, Shop, and Enjoy!

*At select merchants. Both signature and PIN based purchases are eligible. Business debit cards are not eligible. Cash back will be automatically credited to your account the next month.

We make TruStage^® Life Insurance policies available to help credit union members like you protect the people who matter most in their lives. Underwritten by CMFG Life Insurance Company, these plans are designed to fit your budget, because any amount of coverage can make a difference.

Call 1-800-814-2914 for more information or get a quote today.

TruStage^® Life Insurance is offered by TruStage Insurance Agency, LLC and issued by CMFG Life Insurance Company, PO Box 61, Waverly IA 50677 0061. The insurance offered is not a deposit and is not federally insured or guaranteed by your credit union.

© 2020 TruStage Insurance Agency

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Designed for credit union members like you, the TruStage® Auto & Home Insurance Program provides affordable top-quality protection. You could enjoy discounted rates combined with online convenience and 24/7 claims service.

Get your free quote online today or call 1-855-589-2146.

A Tradition of Strength

TruStage is part of a heritage of faithful service to credit union members spanning more than 80 years. Over 20 million people have selected TruStage for AD&D, life, auto & home insurance and more.

TruStage® Auto & Home Insurance Program is made available by TruStage. Coverage provided and underwritten by Liberty Mutual® Insurance and its affiliates, 175 Berkeley Street, Boston, MA 02116 USA © 2020 Liberty Mutual® Insurance.

To the extent permitted by law, applicants are individually underwritten; not all applicants may qualify. A consumer report from a consumer reporting agency and/or motor vehicle report will be obtained on all drivers listed on your policy where state laws and regulations allow. Please consult your policy for specific coverages and limitations. The insurance offered is not a deposit, and is not federally insured, sold or guaranteed by your credit union. Your credit union enables this insurance program to be offered and is entitled to compensation from TruStage Insurance Agency, LLC, PO Box 61, Waverly IA 50677-0061.  Individual premiums and savings will vary.

*Discounts are not available in all states and discounts vary by state.

© 2020 TruStage Insurance Agency

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With TurboTax, there's no software to buy or install. You get—

     Every penny you deserve

     TurboTax uncovers the latest deductions and credits

     A head start

     Data from your online WPCU account uploads automatically into your tax return

     Your taxes done right

     Turbo Tax guarantees 100% accuracy and your maximum refund or your money back

To access TurboTax, simply log into your WPCU Online Banking account and click on My TurboTax tab. Be sure to use your full 13-digit account number when filing for a direct deposit of your tax return.