Skip to main content

Rates

​​​​​¹For All Savings Accounts Listed: The Annual Percentage Yields (APY’s) shown are as of the last dividend declaration date of March 18, 2021. Please contact the Credit Union for current rate and account information. These accounts are variable rate accounts, and the APYs may change after the account is opened. Fees may reduce earnings. All stated minimum deposits to open are in addition to the purchase of one $5.00 membership share required to be maintained in your TrueSaverTM account. The minimum deposit to open the True Saver is $5.00. T​he minimum deposit to open the Personal Capital Money Market Is $100.00. There is no minimum deposit to open the Secondary Share, EasySaver® Share, or Club Account. ​For additional account information, please see the Truth-in-Savings disclosure provided at account opening or linked below under “View Disclosures” and the select the applicable product.
True SaverTM: The applicable APY for qualified shares is paid in a Tiered Method, based on the average daily balance in the account for the dividend period. Dividends are paid at the stated APYs only on the portion of the balance within the specified balance tier. If you meet the rate qualifications, the first APY shown for “Qualifying Shares” will be paid only on the portion of your average daily balance that was greater than $0.00 but less than $500.01. If you do not meet the rate qualifications, the APY shown for “Non-qualifying Shares” will apply only on the portion of your average daily balance that was greater than $0.00 but less than $500.01. Both Qualifying and Non-qualifying Shares will be paid the APY shown for “$500.01 and Higher” only on the portion of your average daily balance that was $500.01 and greater. To earn the “Qualifying Shares” APY, you must meet the Rate Qualifications outlined in the Truth-In-Savings disclosure for the specific share type.​
​​​​​²​For All Share Certificates and IRA’s: The Annual Percentage Yields (APY’s) shown are accurate as of the last declaration date of March 18, 2021. The applicable APY is paid on the entire balance of your account. Except for the Variable Rate Add-On IRA, these accounts are fixed rate accounts. A penalty may be imposed for early withdrawal. All stated​ minimum deposits to open are in addition to the purchase of one $5.00 membership share required to be maintained in your TrueSaverTM​ or Business Share account. For additional account information, please see the Truth-in-Savings disclosure provided at account opening or linked below under “View Disclosures” and the select the applicable product.​
The Variable Rate Add-On IRA is a variable rate account and the APYs may change after the account is opened.​

​​​​​​​​​​³For All HSA Accounts Listed: The Annual Percentage Yields (APY’s) shown are as of the last dividend declaration date March 18, 2021. Please contact the Credit Union for current rate and account information. These accounts are variable rate accounts, and the APYs may change after the account is opened. Fees may reduce earnings. All stated minimum deposits to open are in addition to the purchase of one $5.00 membership share required to be maintained in your TrueSaverTM account. There is no minimum deposit to open the Health Savings Account (HSA). For additional account information, please see the Truth-in-Savings disclosure provided at account opening or linked below under “View Disclosures” and the select the applicable product.
HSA Enhanced: The applicable dividend rate for qualified shares is paid in a Tiered Method, based on the average daily balance in the account for the dividend period. Dividends are paid at the stated APYs only on the portion of the balance within the specified balance tier. If you meet the rate qualifications, the first APY shown for “Qualifying Shares” will be paid only on the portion of your average daily balance that was greater than $0.00 but less than $500.01. If you do not meet the rate qualifications, the APY shown ​for “Non-qualifying Shares” will apply only on the portion of your average daily balance that was greater than $0.00 but less than $500.01. Both Qualifying and Non-qualifying Shares will be paid the APY shown for “$500.01 and Higher” only on the portion of your average daily balance that was $500.01 and greater. To earn the “Qualifying Shares” APY, you must meet the Rate Qualifications outlined in the Truth-In-Savings disclosure for the specific share type.
​​
​​​​​⁴​​For All Checking Accounts Listed: The Annual Percentage Yields (APY’s) shown are as of the last dividend declaration date of March 18, 2021. Please contact the Credit Union for current rate and account information. These accounts are variable rate accounts,and the APYs may change after the account is opened. Fees may reduce earnings. All stated minimum deposits to open are in addition to the purchase of one $5.00 membership share required to be maintained in your TrueSaverTM account. The minimum deposit to open the Checking with Dividends Account is $1,000.00. New Select Checking with Dividends accounts are not available to open.​​​ For additional account information, please see the Truth-in-Savings disclosure provided at account opening or linked below under “View Disclosures” and the select the applicable product.​

​​​​​​⁵​​For All Business Savings and Checking Accounts: The Annual Percentage Yields (APY’s) shown are accurate as of the last dividend declaration date of March 18, 2021. Please contact the Credit Union for current rate and account information. These accounts are variable rate accounts, and the APYs may change after the account is opened. Fees may reduce earnings. All stated minimum deposits to open are in addition to the purchase of one $5.00 membership share required to be maintained in your Business Share account. The minimum deposit to open the Business Share is $5.00. The minimum deposit to open the Business Money Market Savings and the Dividend Choice/Mission Based Checking is $100.00. There is no minimum deposit to open the Secondary Business Share.

​​
​​​​​​⁶Auto Loans​: All loan applications are subject to credit review and approval. Annual Percentage Rates (APRs) are accurate as of 9/3/2021 and are dependent upon creditworthiness, loan amount, loan term, and age of collateral. Auto loan APRs range from 2.49% APR to 14.59% APR with loan terms up to 84 months. Motorcycle loan APRs range from 3.39% APR to 17.39% APR with loan terms up to 84 months. RV/Boat loan APRs range from 4.59% APR to 17.39% APR with loan terms up to 144 months. For auto and motorcycle loans: Loan amounts up to $7,999 have a maximum term of 63 months. Loan amounts of $8,000-$17,999 have a maximum term of 75 months. Loan amounts of $18,000 or more have a maximum term of 84 months. Autos and motorcycles whose collateral age are 2015 or older have a maximum term of 75 months. Autos and motorcycles whose collateral age are 2016 or newer have a maximum term of 84 months. For RV/boat loans: Loan amounts up to $19,999 have a maximum term of 84 months. Loan amounts of $20,000 or more have a maximum term of 144 months. For all vehicle types, loan terms of 64-75 months require a minimum loan amount of $8,000, and loan terms 76 months or longer require a minimum loan amount of $18,000. All payment examples below are for 2019 or newer vehicles. Auto Loan Payment Example: loan amount of $21,500 and term of 60 months (5 years) at 2.49% APR will have a monthly payment of $381.50. The example disclosed above is for our highest qualified borrowers. Motorcycle Loan Payment Example: loan amount of $12,000 and term of 60 months at 6.09% APR will have a monthly payment of $232.53. RV/Boat Loan Payment Example​: loan amount of $23,000 and term of 60 months at 8.39% APR will have a monthly payment of $470.74. Other rates, terms, payments, and loan amounts are available. There will be a $75 Rate Modification Processing Fee each time we approve a request to lower your interest rate. Loans are subject to membership eligibility, credit approval and collateral conditions. Loan amount financed greater than $5,000 requires full coverage auto insurance.
​​
​​​​
​​​⁷Home Equity Loan: All loan applications are subject to credit review and approval. Annual Percentage Rates (APRs) are accurate as of 9/3/2021 and may change at any time. The minimum loan amount is $10,000, and the maximum loan amount is $250,000. The APR for the Home Equity Loan is a fixed rate for the duration of the loan; the APR is determined at the time your application is approved. The maximum allowable loan-to-value (LTV) is 100%, and terms are available for 60, 120, or 180 months. The APR will be dependent on borrower’s creditworthiness, loan term, and Loan-to-Value. The example disclosed below is for our highest qualified borrowers. For example, a Home Equity loan for $30,000 with a 120-month term (10-year term) at 4.75% APR and LTV 85% or less will have a monthly payment of $315.20. The APR will be higher if the LTV exceeds 85%. Closing costs of up to $750 will apply; these costs may vary based on the market. The property value is based on an approved valuation method determined by WPCU. Assessment of the property may require an appraisal based on the loan amount or LTV of the property; the cost of this appraisal may vary up to $475, which is included in the closing costs. Property must be an owner-occupied single-family residence, second home located 50 miles or more away from borrower’s primary residence, duplex, or up to four units, if owner-occupied and is the primary residence of the applicant. Home Equity Loans available for second lien position mortgage loans only (must have a first mortgage loan to qualify). Property insurance is required on the property securing the loan, and flood insurance is required when the property is in a flood zone. There will be a $75 Rate Modification Processing Fee each time we approve a request to lower your interest rate. Federally guaranteed student loans and other loans with special government benefits should not be consolidated because you may lose the benefits. Consult a tax advisor regarding the deductibility of interest.​​
Home Equity Line of Credit: All loan applications are subject to credit review and approval. Annual Percentage Rates (APRs) are accurate as of 9/3/2021 and may change at any time. The APR is variable, is based upon an index plus a margin, and will be based on the highest Prime Rate (the index) as published in the Wall Street Journal in effect on the last day of each calendar quarter that ends within the billing cycle, currently 3.25% APR. The APR for the Home Equity Line of Credit may increase or decrease quarterly, but it will never fall below 4.00% APR and will never exceed 25.00% APR. The APR will vary from Prime Rate + 0.00% (currently 4.00% APR) to Prime Rate + 5.50% (currently 8.75% APR), depending upon your creditworthiness and the loan-to-value (LTV). The term is 25 years, consisting of a 15-year draw period with interest-only payments, followed by a 10-year repayment period with principal + interest payments. Making only the minimum payment each month during the draw period will not reduce principal, and your payments during the repayment period may substantially increase from what you paid during the interest-only period. The amount of savings realized with debt consolidation varies by loan. Since a Home Equity Line of Credit may have a longer term than some of the bills being consolidated, there may not be a savings over the entire life of the line if you make only the minimum payments. Federally guaranteed student loans and other loans with special government benefits should not be consolidated because you may lose the benefits. The property value is based on an approved valuation method determined by Wright-Patt Credit Union. Property must be an owner-occupied single-family residence, second home located 50 miles or more away from borrower’s primary residence, duplex, or up to four units, if owner-occupied and is the primary residence of the applicant. Property insurance is required on the property securing the loan, and flood insurance is required when the property is in a flood zone. The minimum credit line is $10,000, and the maximum credit line is $250,000; line amount is dependent on LTV and the borrower’s creditworthiness. Closing costs will be required up to $750, which may vary based on the market. Assessment of the property may require an appraisal based on the loan amount or LTV of the property; the cost of this appraisal may vary up to $475, which is included in the closing costs. If your payment is more than 10 days late there is a Late Payment Fee of 5% of the payment due. There will be a $75 Rate Modification Processing Fee each time we approve a request to lower your interest rate. Consult a tax advisor regarding the deductibility of interest.​​

​​​​​​​​​⁸Low Rate Platinum and Wright State University Alumni Association (WSUAA) Low Rate Platinum: TThe Annual Percentage Rate (APR) is variable and is based upon an index plus a margin and will vary with Prime Rate (the index) as published in the Wall Street Journal, currently 3.25%. The APR for Purchases, Balance Transfers and Cash Advances for the Low Rate Platinum and WSUAA Low Rate Platinum credit cards will vary from Prime Rate + 3.00% (currently 6.25% APR) to Prime Rate + 11.00% (currently 14.25% APR), depending upon your creditworthiness. The rate may increase or decrease monthly, but it will never go below 3.00% APR and will never exceed 18.00% APR. Platinum Rewards and WSUAA Rewards: : The APR is variable and is based upon an index plus a margin and will vary with Prime Rate (the index) as published in the Wall Street Journal, currently 3.25%. The APR for Purchases, Balance Transfers and Cash Advances for the Platinum Rewards and WSUAA Rewards credit cards will vary from Prime Rate + 6.00% (currently 9.25% APR) to Prime + 14.00% (currently 17.25% APR), depending upon your creditworthiness. The rate may increase or decrease monthly, but it will never go below 3.00% APR and will never exceed 18.00% APR. Earn unlimited 1.5% cash back on every purchase; you will earn 1.5 points for every $1.00 spent. Cash advances and balance transfers are not eligible for the 1.5% cash back rewards. First Time User: The APR for Purchases, Balance Transfers and Cash Advances for the First Time User credit card is 17.99% APR and is a fixed rate for the duration of the loan. Applicants must have an open WPCU checking account, provide proof of income, and provide two personal references. Share-Secured: The APR for Purchases, Balance Transfers and Cash Advances for a Share-Secured credit card is 12.50% APR and is a fixed rate for the duration of the loan. To secure the amount of credit extended for the Shared-Secured credit card, funds will be held in the borrower’s TrueSaver® share account and unavailable for withdrawal until the account is closed. For All Credit Cards: All loans are subject to credit review and approval. APRs are accurate as of 9/3/2021 and may change at any time. There is a Foreign Transaction Fee of 1.00% of the final settlement amount for transactions that are initiated in a foreign currency or for transactions occurring in foreign countries and initiated in U.S. Dollars. There is a Returned Payment Fee of the lesser amount of $25.00 for any payment returned unpaid or the minimum payment amount due for the returned payment. If your payment is more than five days late there is a Late Payment Fee of $20. Credit card applicants under 21 must demonstrate an ability to repay or have a qualified co-borrower or co-signer who is 21 or older​. Click here for Credit Card Rates, Fees and Other Cost Information​ related to our credit card products.

​​⁹​​Personal Signature Loan: All loan applications are subject to credit review and approval. Annual Percentage Rates (APRs) are accurate as of 9/3/2021 and are dependent upon creditworthiness. The APR for a Signature loan is a fixed rate for the duration of the loan. The APR will vary from 7.99% APR to 15.99% APR, depending upon your creditworthiness; the APR will be determined at the time your application is approved. Loan amounts up to $9,999 have a maximum term of 48 months and loan amounts $10,000 or more have a maximum term of 60 months. For example, a Signature loan for $7,000 with a 48-month term (4 years) at 9.99% APR will have a monthly payment of $177.51. Other rates, terms, payments, and loan amounts are available. The minimum loan amount is $500, and the maximum loan amount is $40,000. If your payment is 11 or more days late, there is a Late Payment Fee of 5% of the payment due. There will be a $75 Rate Modification Processing Fee each time we approve a request to lower your APR.
¹⁰​​​QCash Loan: All loan applications are subject to review of eligibility and approval. The Annual Percentage Rate (APR) is accurate as of 9/01/2021. The APR for the QCash loan is a fixed rate for the duration of the loan. The APR will be 15.00% APR. For example, a QCash loan for $1,000 with a 12-month term (1 years) at 15.00% APR will have a monthly payment of $90.23. Other terms, payments, and loan amounts are available. The minimum loan amount is $200, and the maximum loan amount is $4,000. If your payment is 11 or more days late, there is a Late Payment Fee of 5% of the payment due. Loans are available to members who meet certain eligibility requirements, who have been with the credit union a minimum of 120 days and are considered a member in good standing. QCash loan is not available in Member Centers; it is only available through online or mobile banking.​ No minimum credit score required.
​¹¹ReadyLine Line of Credit®​: All loan applications are subject to credit review and approval. Annual Percentage Rates (APRs) are accurate as of 9/3/2021 and may change at any time. The APR for the ReadyLine Line of Credit® is a fixed rate for the duration of the loan. The APR will vary from 10.90% APR to 17.90% APR, depending upon your creditworthiness; the APR will be determined at the time your application is approved. The minimum loan amount is $250, and the maximum loan amount is $40,000. An advance on the Ready Line of Credit® is considered a cash advance. If your payment is 11 or more days late, there is a Late Payment Fee of 5% of the payment due. Click here for Credit Card Rates, Fees and Other Cost Information related to the ReadyLine Line of Credit®.​​
​¹²StretchPay Line of Credit®​: All loan applications are subject to credit review and approval. Annual Percentage Rates (APRs) are accurate as of 9/3/2021 and may change at any time. The APR for the StretchPay Line of Credit® (SPLOC) is 25.00% APR and is a fixed rate for the duration of the loan. The SPLOC offers credit limits of $150, $250, and $500 with a maximum term of 2 months. The SPLOC must be paid in full before funds can be advanced – partial or subsequent advances are not permitted. Prior to the first advance, borrowers are required to deposit funds into their TrueSaver® share account in the amount of $15 for a $150 credit limit, $25 for a $250 credit limit, and $50 for a $500 credit limit that will be held and unavailable for withdrawal until the first annual renewal date or the SPLOC is closed. SPLOC annual renewals are subject to credit review and approval. SPLOCs that have been auto approved for annual renewal expires after 60 days, afterward the borrower must reapply. The annual renewal fee must be in the borrower’s WPCU account and paid prior to loan advance. An advance on a SPLOC is considered a cash advance. There is an Annual Renewal Fee of $25 for a credit limit of $150, $35 for a credit limit of $250, and $70 for a credit limit of $500. If your payment is 11 or more days late, there is a Late Payment Fee of 5% of the payment due. Click here for Credit Card Rates, Fees and Other Cost Information related to the StretchPay Line of Credit®. ​​
​​​​​View ​D​isclosures