Go ALL In. Get More Back!

$8.3M Special Patronage Dividend


2025 Special Patronage Dividend

Wright-Patt Credit Union® (WPCU®) is stronger when our members go all in and take advantage of the many different accounts and services we offer. 

That’s why, this year, we’re giving back an $8.3 million Special Patronage Dividend to the members who use WPCU for their day-to-day financial needs. It’s our way of saying thank you to those who choose to make WPCU their trusted financial home. 

A Message about the 2025 Special Patronage Dividend from Tim Mislansky, WPCU President & CEO

  • What is a Special Patronage Dividend?

    Learn why WPCU pays a Special Patronage Dividend to eligible members.

  • Who is Eligible to Receive a Special Patronage Dividend?

    Learn about our eligibility requirements for 2025.

  • Make the Most of Your Membership

    Go all in with WPCU in 2026 and make sure you qualify for future payouts.

What is a Special Patronage Dividend?

Learn why WPCU pays a Special Patronage Dividend to eligible members.

As a financial cooperative, WPCU exists to serve our members—not shareholders or investors. This means that, as a member of WPCU, you share in the rewards and strength of the entire credit union. 

We work to return value to you all year round through better rates, higher dividends and lower fees—and when we have a great year, we’re able to share our success with eligible members through a Special Patronage Dividend. It’s our way of saying thank you to the members who go all in with WPCU for their day-to-day financial needs.

Who is Eligible to Receive a Special Patronage Dividend?

Learn about our eligibility requirements for 2025.

WPCU’s strength comes from members who make us their trusted financial home. For 2025, the Special Patronage Dividend focuses on those who go all in—members who actively use WPCU for their everyday financial needs.

To qualify, you must:

  • Have joined WPCU before December 1, 2025 and remain a member through January 13, 2026.
  • Be a member in good standing: 
    • At least $5 on deposit in their TrueSaver account.
    • Does not have a negative balance in any share account with the credit union.
    • Is not delinquent on any loan obligation to the credit union.
    • No prior financial loss caused to WPCU.

NEW Patronage Dividend Eligibility Requirements for 2025:
Patronage Dividends will be paid to members who have actively established or expanded their relationship with WPCU by having:

  • A share or loan opened directly with WPCU (in a Member Center, by phone, or online) OR
  • A mortgage loan, Retirement Solutions relationship, or student loan with a balance greater than $0.

Members who joined passively—such as through an indirect auto loan or an employer Health Savings Account—and have never expanded their relationship with WPCU are not eligible.

Examples of ineligible accounts:

  • Auto loan paired with a TrueSaver® opened via an indirect channel and have not added any additional products or services with WPCU directly.
  • Health Savings Account paired with a TrueSaver® opened through an employer and have not added any additional products or services with WPCU directly.

Patronage Dividend Formula for 2025

Your dividend is based on how you use WPCU products and services that help drive revenue or reduce expenses. Here’s how it works:

Balances Earn: 

  • Annual average share balances (includes business share balances and excludes financial planning balances): 0.0345%
  • Annual average loan balances (excludes business loan balances and mortgage balances): 0.0345%

Relationships Earn:

  • Business loan relationship: $100
  • Each first mortgage: $45
  • Financial planning relationship: $5

Activity Bonuses Earn:

  • Debit card with 3-19 transactions/month: $5
  • Debit card with 20+ transactions/month: $10
  • eStatements: $5
  • Active online banking, mobile banking or Call-24: $5
    • At least 1 login/call for each of the following months in 2025:
      • Business Banking: Sept., Oct., and Nov.
      • Consumer Banking: Oct., Nov., and Dec.

Important Notes:

  • Business account dividends are capped at $1,000.
  • Calculation is based on individual account numbers. If you’re primary on multiple accounts, the dividend posts to the account where it was calculated.
  • Joint owners are considered for eligibility, but payout goes to the primary account holder’s TrueSaver®.

All balances and transaction activity will be based on the 2025 calendar year.

You can find out your share on January 13, 2026 by logging into WPCU's Mobile or Online Banking and clicking on your WPCU TrueSaver® and/or Business Share Account.

Make the Most of Your Membership

Go all in with WPCU in 2026 and make sure you qualify for future payouts.

If you weren’t eligible for a 2025 Special Patronage Dividend this year, it’s easy to get more from your membership and make sure you qualify for future payouts moving forward. The steps below not only help you qualify—they maximize your potential payout.

In 2026, consider using WPCU for more of your everyday financial needs. You can: 

  • Open a checking account with no hassles or hidden fees
  • Open a high-yielding savings account
  • Open a new loan directly with a WPCU partner — in a Member Center, by phone or online

Remember, the more you use WPCU, the more you can get back — so be sure to take advantage of the different accounts and services we have to offer to increase your payout possibilities. 

Not yet a member of WPCU? Now is the perfect time to join! Learn more about the benefits of being a member. 

FAQs

  • Since 2008, WPCU has given back more than $135 million to our members in Special Patronage Dividends, including this year’s $8.3 million payout to eligible members who use WPCU for their everyday financial needs.

  • Eligible members’ Special Patronage Dividend will be deposited directly into their WPCU TrueSaver® account on January 13th, 2026. Simply log into WPCU's Mobile or Online Banking and click on your TrueSaver® account to see your share.

  • Any member in good standing who joined before December 1, 2025 and remains a member through January 13, 2026. You must also have an active relationship with WPCU (see details in “Who Is Eligible” section above).

  • We want to reward members who actively choose WPCU as their primary financial home. This ensures we can give back more to those who help drive our success.

  • Use WPCU for your everyday financial needs:

    • Open a checking account.
    • Apply for loans directly with WPCU (auto, mortgage, personal).
    • Actively use savings products and set up direct deposit. The more you use WPCU, the greater your potential payout.

  • Unlike traditional banks, WPCU is a not-for-profit, member-owned financial cooperative. Because the credit union is owned by the people who use it, we serve our members rather than shareholders or investors. This enables us to return more value to our members through better rates, higher dividends and lower fees. And, when the credit union has a great year, we’re able to share our success and put money back in eligible members’ pockets with a Special Patronage Dividend. The more you use WPCU for your everyday financial needs, the more you can benefit.

  • Special Patronage Dividends are never guaranteed. They are the direct result of member participation throughout the year. The more members take advantage of the many different accounts and services WPCU has to offer, the better the chances of a Special Patronage Dividend at the end of the year.

  • When we ring in the New Year on January 1st, the previous year is wiped clean, and we start again from scratch. There are several things you can do to help us increase the chances of another Special Patronage Dividend.

    Do you have a checking account with a debit card, mortgage loan, credit cards or car loans with other financial institutions? If you do, consider moving them to WPCU. Not only will it help you qualify for a potential Special Patronage Dividend at the end of the year, but it could help you save money in interest and fees. 

    What about our Online and Mobile Banking and eStatements? Have you checked them out? They could help put even more money in your pocket!

Special Patronage Dividends are not guaranteed.

Our members' use of the credit union makes them possible. The more our members take advantage of the many different accounts and services WPCU has to offer, the more everyone will benefit!