Eligibility Requirements for Membership

Become a Member

Why Join Wright-Patt Credit Union® (WPCU®)?

At Wright-Patt Credit Union® (WPCU®), our earnings go right back to work for you rather than into the pockets of investors. That’s why you get better rates, higher dividends, and lower-to-no fees on all the same products and services traditional banks offer—like savings and checking accounts, mortgages, retirement plans, business accounts, loans, online and mobile banking, and more.

But we go well above and beyond the products we offer. It’s our friendly, personalized approach that touches every member as an individual with unique needs and financial goals, and our extraordinary service that sets us apart. We help you and your family through every stage of life so you can experience a better quality of life.

You May Already Be Eligible

Joining WPCU could be easier than you think. Many people qualify for WPCU membership through where they live, work, worship, or attend school—making it simple to start enjoying these benefits.

Take a moment to explore the eligibility options below to see if you qualify. Once you confirm you’re eligible, you can quickly and easily become a member and start taking advantage of everything WPCU has to offer.

Check your eligibility and become a member today!

Member Eligibility

  • Individuals who live, work, worship or attend school in Brown, Butler, Champaign, Clark, Clermont, Clinton, Darke, Delaware, Fairfield, Fayette, Franklin, Greene, Hamilton, Highland, Licking, Madison, Miami, Montgomery, Pickaway, Preble, Shelby, Union 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.
  • Wright State University students, faculty, staff, and Alumni.
  • Select groups made up of people associated through employment, geographic location, or other organizational affiliation.
  • Spouses, children, and certain other relatives of current WPCU members.

Ohio Counties Map

Business Eligibility

A business applying for WPCU membership must be located within WPCU’s field of membership to be considered for membership.

To be approved for WPCU membership, a Business must:

  • be registered in the state of Ohio, if required (Some Businesses operating in Ohio are not required to register with the secretary of state. In those cases, WPCU may choose to make an exception for membership approval);
  • be in good standing with the Ohio Secretary of State if registered in Ohio (or in their state of primary registration, if not Ohio);
  • have or be building a principal place of business in WPCU’s field of membership; and
  • be in good financial standing with WPCU, i.e., not have caused a financial loss to the Credit Union. In the case of sole proprietorships, the individual’s financial loss is considered a business loss.

Businesses may also apply to be Select Employer Groups (SEGs) of WPCU. For additional details related to the SEG application and approval process, please visit our Employer Groups webpage.

Frequently Asked Questions

  • Wright-Patt Credit Union® (WPCU®) has one of the most inclusive fields of membership in Ohio, covering 23 counties and hundreds of select employer and community groups. If you live, work, worship, study, or have family ties within WPCU's service area, there's a very good chance you already qualify. Click here to apply to become a member today.

  • Absolutely. WPCU was founded at Wright Field (now Wright-Patterson Air Force Base) in 1932, so serving the military community is part of our history. The following groups all qualify:

    • Military and civilian employees of Wright-Patterson Air Force Base
    • Military personnel in the 14-county area adjacent to Fairborn without access to another credit union
    • Retired U.S. government civilian and military personnel
    • Government employees near WPAFB who lack access to a credit union

  • Yes! The entire Wright State University community is eligible for WPCU membership, including:

    • Current students
    • Faculty and staff
    • Alumni Associates

    WPCU also offers special Young Adult member perks for those under 24, making it an ideal financial partner from college and beyond.

  • Yes - and this is the most common way people qualify. If you live, work, worship, or attend school in any of the following 23 Ohio counties, you are eligible to join WPCU today:

    • Champaign, Clark, Darke, Greene, Miami, Montgomery, Preble, Shelby
    • Brown, Butler, Clermont, Clinton, Hamilton, Highland, Warren
    • Delaware, Fairfield, Fayette, Franklin, Licking, Madison, Pickaway, Union 

    This spans the greater Dayton, Cincinnati, and Columbus metro areas - covering millions of Ohioans across Southwest and Central Ohio.

  • Yes! Family ties are a recognized pathway to membership. If you have a qualifying relationship with a current WPCU member, you may be eligible too. This includes:

    • Spouses of current members
    • Children of current members
    • Certain other relatives of current members

    Not sure if your family relationship qualifies? Give us a call at (800) 762-0047 — we're happy to confirm your eligibility.

  • Yes! Businesses that have or are building a principal place of business within WPCU's field of membership may apply for business membership. The business must:

    • Be located (or establish a presence) within WPCU's eligible counties
    • Be registered with the State of Ohio (LLC, Corporation, etc.)
    • Be in good financial standing with WPCU

    Businesses may also apply to become a Select Employer Group (SEG), extending membership benefits to all their employees.

  • Becoming a WPCU member is easy and affordable. All it takes to establish membership is opening a TrueSaver® account with a one-time deposit of just $5.00. That $5 represents your ownership share in the credit union — and from that moment, you're a member-owner.

    No joining fees. No minimum balance requirements beyond your $5 share. Just better banking - built by members, for members.

  • WPCU partners with hundreds of organizations - employers, associations, nonprofits, and community groups - through our Select Employer Groups (SEG) program. If your employer or organization is an approved SEG, all members of that group may be eligible to join WPCU regardless of where they live.

    Employees of SEG companies gain access to all the same member benefits - including better rates, lower fees, and a full suite of financial products.

    Ask your HR department if your employer is a WPCU SEG partner or check with us directly to find out if your organization qualifies.

  • Credit unions are not-for-profit, member-owned financial cooperatives built to serve their members, not shareholders. Anyone living, working, worshipping, or attending schools in the specific Ohio counties that each credit union serves are eligible to join that credit union, as well as family members of current members and those affiliated with certain select employer or community groups. Wright-Patt Credit Union® (WPCU®) has one of the most inclusive fields of membership in Ohio, covering 23 counties and hundreds of select employer and community groups.

  • With 23 Ohio counties and hundreds of employer and community groups in our field of membership, chances are WPCU is already your credit union - you just haven't joined yet.

    Check your eligibility and become a member today at wpcu.coop, or call us at (800) 762-0047. TTY users: (800) 750-0750 or 711. We'd love to welcome you.