Savings Accounts

Yes – your deposits at Wright-Patt Credit Union are federally insured up to a total of $250,000 per ownership interest by the National Credit Union Administration (NCUA).

With a Roth IRA, you make contributions with money you’ve already paid taxes on and your money can grow tax-free, with tax-free withdrawals in retirement if certain conditions are met. While your contributions give you no current break on your income tax like the Traditional IRA, when you start taking money out of a Roth IRA, it can be withdrawn tax-free and penalty-free if the initial contribution was made at least five years ago, and you meet one of the following conditions:

1. At least 59 ½ years of age
2. Purchasing a home for the first time ($10,000 limit) 
3. Disabled 
4. Deceased 

Learn more about both Traditional and Roth IRAs by clicking here.

Consult your tax advisor for details.

In order to have access to your child's account, you must be listed as a joint or custodian of the account.

Yes! Club Accounts are a smarter way to save up for planned expenses. When you open a Wright-Patt Credit Union Club account, you can create a name for the account depending on your savings goals, from holidays and vacation to taxes and back-to-school expenses. Open one for all your needs.

es. Here are the different ways you can move money to/from other financial institutions:

Log into Online/Mobile Banking

• External Funds Transfer: Move your money between your deposit accounts at WPCU and 23,000 other financial institutions
  • Allows you to send funds from WPCU to an external financial institution OR from your external financial institution to WPCU
  • The Primary member on your WPCU account must also be the Primary member on your external financial institution account as well
  • Transfers take 2-3 business days to process
  • Free
• Pay WPCU Loans: Pay your WPCU loan directly from another financial institution
  • Your name must be on both the receiving and sending accounts
  • You will need the ACH account number and routing number for the external account at another financial institution
  • Loan payments take 2-3 business days to process
  • Free
• MyCUmortgage: Make an ACH payment to your WPCU mortgage
  • Your name must be on both the receiving and sending accounts
  • You will need the ACH account number and routing number for the external account at another financial institution
  • Loan payments take 2-3 business days to process
  • Free

Call our Member Help Center

• Call us to process an ACH transfer over the phone (800) 762-0047 or (937) 912-7000
  • Your name must be on both the receiving and sending accounts
  • You will need the ACH account number and routing number for the external account at another financial institution
  • Transfers and loan payments take 2-3 business days to process
  • Free

Visit us at one of our convenient Member Center locations

• Stop by one of our Member Centers to process an ACH transfer in person
  • Your name must be on both the receiving and sending accounts
  • You will need the ACH account number and routing number for the external account at another financial institution
  • Transfers and loan payments take 2-3 business days to process
  • Free
• You can do a cash advance at any of our Member Centers off of a credit/debit card from another financial institution
  • Immediate access to funds
  • Deposit the funds from your debit/credit card at another financial institution into your WPCU account
  • WPCU does not charge a fee for this service, however your other financial institution might – be sure to check with your other financial institution!

No. Custodial accounts do not have access to an ATM/Debit card, Mobile and Online Banking, loans or credit cards.

No. The only restriction is you must be between the ages of 17 and 24 to qualify for the Student Essentials package.

You can make withdrawals from your Club account during the account's term without fees or penalties.

Once your certificate reaches maturity, you can have the funds automatically transferred to another Wright-Patt Credit Union account, roll it into a new certificate with the same terms, or choose a new term. Prior to the maturity date of your share certificate, you will receive a notification from us describing your options.

When the minor reaches the age of 21, the custodian must deliver or pay the custodial property over to the minor.

No. The only requirement for the party opening the account, known as the "custodian," is that he or she must be an adult 18 years of age or older. The account must be opened in the name of the minor, and the minor's social security number must be included on the account.

Your Wright-Patt Credit Union Personal Capital Money Market gives you withdrawal and check-writing privileges like a regular checking account; however money market accounts are typically used more as a savings account and not a daily transaction-based account.

Yes! All children age 17 and younger have the opportunity to earn our highest savings rate on their first penny saved with our TrueSaver® account.