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IRAs

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​​​​​​​​​​​​​​​​​​​​​​​​​​​²​For All Share Certificates and IRA’s: ​The Annual Percentage Yields (APY’s) shown are accurate as of the last declaration date of May 1, 2025. The applicable APY is paid on the entire balance of your account, except for the Variable Rate Add-On IRA, these accounts are variable rate accounts and the APY may change after the account is opened. 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 TrueSaver®​ or Business Share account. For additional account information, please see the Truth-in-Savings disclosure.​​
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Your Credit Union ("Financial Institution") provides referrals to financial professionals of LPL Financial LLC ("LPL") pursuant to an agreement that allows LPL to pay the Financial Institution for these referrals. This creates an incentive for the Financial Institution to make these referrals, resulting in a conflict of interest. The Financial Institution is not a current client of LPL for advisory services. Please read the LPL Relationship Disclosure.

​ ​​​​​​​​*Securities and advisory services are offered through LPL Financial (LPL), a registered investment advisor and broker-dealer (member FINRA/SIPC). Insurance products are offered through LPL or its licensed affiliates. Wright-Patt Credit Union® and WPCU® Retirement Solutions are not registered as a broker-dealer or investment advisor. Registered representatives of LPL offer products and services using WPCU Retirement Solutions, and may also be employees of Wright-Patt Credit Union. These products and services are being offered through LPL or its affiliates, which are separate entities from, and not affiliates of, Wright-Patt Credit Union or WPCU Retirement Solutions. Securities and insurance offered through LPL or its affiliates are:

Not Insured by NCUA or Any Other Government Agency | Not Wright-Patt Credit Union ​Guaranteed | Not Wright-Patt Credit Union Deposits or Obligations | May Lose Value

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LPL Financial Form CRS

​​The LPL Financial registered representative(s) associated with this website may discuss and/or transact business only with residents of the states in which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state.​
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​​​​**Before deciding whether to retain assets in an employer sponsored plan or rollover to an IRA, an investor should consider various factors including, but not limited to: investment options, fees and expenses, services, withdrawal penalties, protection from creditors and legal judgments, required minimum distributions and possession of employer stock.​
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​***Under certain circumstances fees and charges may be assessed to your account. Early withdrawal penalties prior to maturity date apply,  see the General Fee Schedule and  Individual Retirement Account (IRA) Share Certificate Disclosure of Fees, Terms and Conditions for additional information.​
†All minimum balances are in addition to the purchase of one $5.00 membership share required to be maintained in your TrueSaver™ account.​
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