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What Makes Credit Unions Different?

​At first glance, credit unions like Wright-Patt Credit Union® (WPCU®) may seem no different than other financial institutions. But while they have many of the same products and financial services as a traditional bank, credit unions actually offer several unique benefits that set them apart!

Let's take a closer look at the credit union difference:

Member-Owned and Focused

First and foremost, credit unions like WPCU are member-owned, not-for-profit financial cooperatives. This means they are owned and operated to serve their members, not to generate a profit for investors.

As a member of WPCU, you share in the rewards and strength of the entire credit union. Because we put people first, we're able to return value right back to members through competitive loan and savings rates, as well as lower-to-no fees to help you keep more money in your pocket. 

Products and Services That Exist to Help People

Credit unions offer many of the same financial products and conveniences you'd find at a bank, such as checking accounts and savings accounts, credit cards, mortgage and auto loans and much more.

The difference is that at WPCU, everything we do is designed to help our members build hope and improve their well-being. This allows us to tailor our products and services to the specific needs of our members. We also offer free financial education classes, digital services and helpful resources to help our members navigate every step of their Financial Flexibility and Freedom® journey with confidence.

Local, Friendly Service That Goes Above and Beyond

Because they're more localized than larger banks, credit unions are able to provide highly personalized member service. At WPCU, our friendly, knowledgeable Financial Coaches are always here to answer your questions and help you achieve your financial goals.

Credit unions are also strongly community-focused, playing an active role in supporting local non-profit organizations, small businesses, community initiatives and events. Over the years, WPCU partner-employees have raised more than $2 million in Southwest and Central Ohio to support local non-profit organizations through the WPCU Sunshine Community Fund®, the charitable giving arm of Wright-Patt Credit Union.

Experience the Wright-Patt Credit Union Difference in Dayton and Beyond!

If you're looking for a Dayton credit union, look no further than Wright-Patt Credit Union. Founded in Dayton, Ohio, WPCU is now over 500,000 members strong with convenient Member Centers across Southwest and Central Ohio. We're always welcoming new members to join WPCU and experience what makes our credit union so special. In fact, most individuals in Southwest and Central Ohio are eligible for the great benefits of Wright-Patt Credit Union!

If you're not yet a member, learn more about joining our credit union in Dayton and see how we can help you build hope and improve your well-being as your caring financial partner.

And, if you're already a member, be sure to tell a friend or family member why you're proud to be a part of WPCU!​​