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Savings

​​​​​​​​​​​​​​​​¹For All Savings Accounts Listed: The Annual Percentage Yields (APY’s) shown are as of the last dividend declaration date of January 4, 2024. Please contact the Credit Union at (800) 762-0047 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 TrueSaver® account. The minimum deposit to open the TrueSaver is $5.00. The minimum deposit to open the Personal Capital Money Market Is $100.00; no dividends are paid on balances under $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​.
​ ​ TrueSaver®​: The dividend rates and Annual Percentage Yields (APYs) shown are accurate as of the declaration date of January 4, 2024. The TrueSaver Account is a variable rate account, and the dividend rates and APYs may change after the account is opened. Fees may reduce earnings. For TrueSaver accounts, the minimum deposit to open the account is the purchase of one $5.00 membership share in the Credit Union and is required to remain in your TrueSaver account. To earn the higher rate on your first $1,000.00 in your TrueSaver®, the following qualifications must be met: (1) The Primary member must provide the Credit Union with a Social Security Number or Tax Identification Number. (2) Primary members with more than one qualifying TrueSaver account will receive the TrueSaver rates specified in the Current Dividend Rates sheet for the qualifying account with the oldest open date. (3) The primary member must be a Member in Good Standing at the time dividends are paid to the account. A Member in Good Standing is any member of the Credit Union who meets all the following: (a) The member currently has at least $5.00 on deposit in his/her TrueSaver account, and (b) The member is not delinquent on any loan obligation to the Credit Union, and (c) The member does not have a negative balance in any share account he/she owns with the Credit Union, and (d) The member has not previously caused the Credit Union a financial loss of any kind. (4) The account must have an active checking account. An active checking account is defined as an account that has a minimum of four (4) "qualifying transactions” per dividend period, in any combination. Qualifying transactions are: (a) Bill Pay Transactions, (b) ACH deposits and withdrawals, (c) Debit Card transactions, (d) Point of Sale transactions, or (e) Cleared checks. (5) The account must have at least one (1) direct deposit transaction within a 45-day period OR be set up to receive eStatements. Accounts where the primary member is 17 years of age or younger must only meet qualifications 1-3 above. The first dividend rate and APY shown on the Current Dividend Rates sheet for “Qualifying Balance” will be paid only on the portion of your average daily balance that was greater than $0.00 but less than $1,000.01. The second dividend rate and APY shown on the Current Dividend Rates sheet for “Qualifying Balance” will be paid only on the portion of your average daily balance that was greater than $1,000.00. If you do not meet the rate qualifications outlined above, the dividend rate and APY shown for “Non-Qualifying Balance” will apply.​​​
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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 January 4, 2024. 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.​​
​​​​​​*Non-deposit investment products and services are offered through CUSO Financial Services, L.P. (“CFS”), a registered brokerdealer (Member FINRA/SIPC) and SEC Registered Investment Advisor. Products offered through CFS: are not NCUA/NCUSIF or otherwise federally insured, are not guarantees or obligations of the credit union, and may involve investment risk including possible loss of principal. Investment Representatives are registered through CFS. Wright-Patt Cr​edit Union has contracted with CFS to make non-deposit investment products and services available to credit union members. Before deciding to retain assets in an employer sponsored plan or roll over 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.
CUSO Financial Services, L.P. (CFS) does not provide tax or legal advice. For such guidance, please consult your tax and/or legal advisor.
All information provided through this site is intended to be accurate. However, there may be inaccuracies at times, which will make all commercially reasonable efforts to correct when found. Information provided is intended to assist you in making decisions and does not eliminate the need to discuss your particular circumstances with a qualified professional.
​Click here to view the full Referral Disclosure.

​​**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.
​​​​​​​​ATMs may be subject to surcharges and/or Member Choice fees. For ATM fee information​, view our ​General Fee Schedule​.

All loan applic​ations are subject to credit review and approval.

​​​​​^When you open an EasySaver® account, Wright-Patt Credit Union (WPCU), on a daily basis, will round up the amount of each debit card purchase posted to your checking account to the next whole dollar amount and transfer the total excess amount from your checking account to your EasySaver® account. WPCU will aggregate the rounded-up amounts from purchases that post to your checking account each business day and make a single transfer (“daily round-up transfer”) at the end of the business day. If on a business day you do not have sufficient available funds in your checking account, or if any transaction has overdrawn your checking account, we do not round up purchases posted on that business day and we cancel the daily round-up transfer for that day. If your debit card purchase is subsequently cancelled or reversed, such as a returned purchase, the corresponding daily round-up transfer will remain in the EasySaver® account. Refunded or adjustment transactions will not be rounded-up.
WPCU will match 50% of the daily round-up transfers that post to the EasySaver® account in the first 30 days after enrolling in the program. This 30-day period begins when the first daily round-up transfer posts to the EasySaver® account. After the first 30-day period, WPCU will match 5% of the daily round-up transfers that post to the EasySaver® account. To receive the Credit Union Match (“CU match”), you must have an open EasySaver® account, be enrolled in the EasySaver Debit Card Program and enrolled to receive eStatements, at the time of quarterly match. The CU match amount will be credited to the EasySaver® account at the end of each calendar quarter in an amount based on the applicable percentage of the accumulated daily round-up transfers for that calendar quarter or the actual balance in the account at the end of the calendar quarter, whichever is less. The annual cap on the CU match amount is $300.00. The annual amount of the CU match will be reported to the IRS on Form 1099-MISC. If you close your EasySaver® account before the CU match amount is posted to the savings, you will not receive the CU match for that calendar quarter.​
The minimum balance to open an Easysaver® account is $0.00. The minimum balance to open an EasySaver® is in addition to the purchase of one $5.00 membership share required to be maintained in your TrueSaver™. The EasySaver® account is a variable-rate account.
The Credit Union reserves the right to cancel or modify the EasySaver® account at any time, at its sole discretion. Only transactions posted to your account as debit card purchases are eligible. The Credit Union does not control whether a transaction is processed as a debit card transaction and is not responsible for how the merchant or any network processes a transaction.
For additional account information about the EasySaver account, please visit EasySaver Truth-in-Savings Disclosure.
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