About Us

Lillian Z., Member Since 2014

Welcome to Your Credit Union - Wright-Patt Credit Union

Banking shouldn’t be hard and at Wright-Patt Credit Union® (WPCU®), we make it easy. With Member Center locations throughout Southwest and Central Ohio, 40,000+ lower-to-no-fee ATMs, thousands of Shared Branching locations nationwide, we are proud to be the trusted financial home of 500,000 members.

We offer all the services and conveniences available from a traditional bank, but what really sets us apart is our commitment to helping you live the life you want to live. At WPCU, we believe everyone deserves a caring financial partner who builds hope and improves well-being. It’s why we do what we do. As your credit union, our goal is to be the best organization you have ever experienced and the best place our partner-employees have ever worked.

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.

The Credit Union Difference Bank staff

Credit unions are here to serve their members rather than make revenue for their investors. Our “stakeholders” are people like you who live, work and play in the areas we serve. They are our neighbors, the fans sitting on the bleachers next to us cheering on a little league baseball game, fellow co-workers, and local employers. They are our members! The difference is what we do with our earnings. We give those back to you through better rates, higher dividends and lower fees. At Wright-Patt Credit Union, we help you find ways to save better, borrow smarter, and learn a lot so you can keep more of your hard-earned money in your pocket. You get it all at WPCU--better value, great rates, trusted expertise, and EXTRAORDINARY service. 

A Legacy of Working Together History

In the early 1930’s, workers at Wright Field in Dayton, Ohio decided to chip in 25¢ a week to help an ailing co-worker and his struggling family. Recognizing a great idea, they later took a quarter each payday to create a fund for fellow workers who might also one day need help. It was called “The Sunshine Fund”. It was this shoebox of money that evolved to become today’s Wright-Patt Credit Union. Our story is about the power of people working together to help one another and become stronger as a whole.

Click here to learn more about Wright-Patt Credit Union's history and key milestones.

Purpose Statement

Everyone deserves a caring financial partner who builds hope and improves well-being.

Mission Statement

We help people through life.

Vision Statement

We will be the best organization our member-owners have ever experienced and the best place our partner-employees have ever worked.

Service:

  • Making people feel valued
  • Solving problems and providing solutions
  • Empathizing with others

Empowerment:

  • Helping members master their finances
  • Advocating in the best interests of members
  • Doing the right things in the right ways

Accountability:

  • Taking responsibility
  • Achieving goals
  • Acting ethically and with integrity

Learning:

  • Innovating and creating
  • Ideas and inspiration
  • Viewing the world openly and curiously

We believe everyone should have an opportunity to feel accepted and connected to the Wright-Patt Credit Union & myCUmortgage community. This means:

  • Creating a safe, welcoming, and respectful environment for all
  • Fair treatment and acceptance of people from all backgrounds
  • Leveraging our differences to deliver extraordinary service to our diverse community

Inappropriate or disrespectful actions or comments are not acceptable from anyone associated with the WPCU/myCU community – members, employees, vendors, or guests. Harassment, racism, sexism, homophobia, or mistreatment of anyone, of any kind and for any reason, is not tolerated and may result in termination of membership, restricted access to WPCU/myCU services, termination of third-party associations, or termination of employment for employees.  

Examples include, but are not limited to: 

  • Racist, sexist, religious, ethnic, or other discriminatory language, including stereotyping, slurs, jokes, or hostile graphic/written material
  • Sexual harassment
  • Photographing, videotaping, or recording our partners, members or premises without proper consent
  • Verbal or physical threats
  • Disruptive and/or aggressive behavior or dialogue, including bullying behavior, such as:
    • Interfering with or damaging WPCU/myCU property such as desk items, workstations, tools, or equipment
    • Name-calling of any kind
    • Abusive language
    • Threatening to harm property
  • Threatening to use any object or weapon against another person
  • Any behaviors or comments that humiliate, intimidate, or demean an individual

Should any partner, member, or guest of WPCU/myCU experience harassment or discrimination, we will actively investigate to understand the situation and seek a timely resolution. We will treat everyone involved fairly and transparently and seek to understand all sides of any incident. Wright-Patt Credit Union strives to be the best place our partners & members have ever experienced, and we must work together to create a welcoming environment for all. 

  • Member Benefits

    The value of belonging to Wright-Patt Credit Union means you keep more of your hard-earned money in your pocket. We pass our success right back to you through better rates and dividends, low-to-no fees and many other cost-saving conveniences.

    View Member Benefits

  • Media Center

    Stay up to date with what’s going on at the Wright-Patt Credit Union. Check out our press releases, media resources and annual reports.

    Go to Media Center

  • Employer Groups

    A number of companies partner with us to provide credit union membership benefits for their employees. Find out if your company is already participating or how to join if it’s not.

    Let Us Help Your Company