Find the Best Rates for You | Wright-Patt Credit Union

¹For All Savings Accounts Listed: The Annual Percentage Yields (APY’s) shown are as of the last dividend declaration date of December 5, 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 December 5, 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.

²For All Share Certificates and IRA’s: The Annual Percentage Yields (APY’s) shown are accurate as of the last declaration date of December 5, 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.

³For All HSA Accounts Listed: The Annual Percentage Yields (APYs) shown are as of the last dividend declaration date December 5, 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 an HSA account are in addition to the purchase of one $5.00 membership share required to be maintained in your TrueSaver® account. There is no minimum deposit to open an HSA. For additional account information, please see the Truth-in-Savings disclosure. For technical questions relating to HSA, consult a tax advisor.
Enhanced HSA: The Enhanced HSA is a Tiered rate account. Dividends are paid at the stated dividend rates and APYs only on the portion of the balance within the specified balance tier. If you meet the Rate Qualifications, the first dividend rate and APY shown for “Qualifying Balance” will be paid only on the portion of your average daily balance that was greater than $0.00 but less than $500.01. The second dividend rate and APY will be paid only on the portion of your average daily balance that was greater than $500.00. To earn the “Qualifying Balance” dividend rates and APYs, you must meet the Rate Qualifications outlined in the Truth-In-Savings disclosure for the specific share type. If you do not meet the Rate Qualifications, the dividend rate and APY shown for “Non-Qualifying Balance” will apply. If your insurance plan is part of an employer-based HSA benefit, the employer may choose to absorb the monthly fee charged for the Enhanced HSA account. You cannot be covered by any health plans other than your HSA-qualified High Deductible Health Plan (HDHP), other types of insurance like specific injury insurance or accident, disability, dental care, vision care, or long-term care insurance are permitted. Consult your tax advisor for more details.

⁴For All Checking Accounts Listed: The Annual Percentage Yields (APY’s) shown are as of the last dividend declaration date of December 5, 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 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.

⁵For All Business Savings and Checking Accounts: The Annual Percentage Yields (APY’s) shown are accurate as of the last dividend declaration date of December 5, 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 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.

⁶All Vehicle Type Loans: All vehicle loan applications are subject to credit review and approval. Annual Percentage Rates (APRs) are accurate as of 12/09/2024 and may change at any time. The APR for all vehicle loans are fixed rates for the duration of the loan; the APR is determined at the time your application is approved. Your APR is dependent upon creditworthiness, loan amount, loan term, and age of collateral. Auto loan APRs range from 5.99% APR to 17.19% APR with loan terms up to 84 months. Motorcycle loan APRs range from 7.29% APR to 18.00% APR with loan terms up to 84 months. RV/Watercraft loan APRs range from 8.09% APR to 18.00% APR with loan terms up to 240 months. For auto and motorcycle loans: Loan amounts up to $7,999 have a maximum term of 63 months. Loan amounts of $8,000 to $17,999 have a maximum term of 75 months. Loan amounts of $18,000 or more have a maximum term of 84 months. 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. Automobiles and motorcycles 2018 or older have a maximum term of 75 months. Automobiles and motorcycles 2019 or newer have a maximum term of 84 months. For RV/Watercraft 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 240 months. All payment examples below are for 2022 or newer vehicles. Auto Loan Payment Example: loan amount of $21,500 for a 2022 or newer automobile and term of 60 months (5 years) at 5.99% APR will have a monthly payment of $415.55. The example disclosed above is for our highest qualified borrowers. Motorcycle Loan Payment Example: loan amount of $12,000 for a 2022 or newer motorcycle and term of 60 months at 7.29% APR will have a monthly payment of $239.26. RV/Boat Loan Payment Example: loan amount of $23,000 for a 2022 or newer RV/boat and term of 60 months at 8.09% APR will have a monthly payment of $467.33. Other rates, terms, payments, and loan amounts are available. Loans are subject to membership eligibility, credit approval and collateral conditions. Loan amount financed greater than $10,000 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 12/01/2024 and may change at any time. The minimum loan amount is $10,000, and the maximum loan amount is $400,000. 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 8.75% APR and LTV 85% or less will have a monthly payment of $376.05. 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. 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 12/01/2024 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 8.00% 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 8.00% APR) to Prime Rate + 5.50% (currently 13.50% 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 $400,000; 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. Consult a tax advisor regarding the deductibility of interest.

⁸Low Rate Platinum and Wright State University Alumni Association (WSUAA) Low Rate Platinum: The 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 8.00%. 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 11.00% APR) to Prime Rate + 11.00% (currently 19.00% APR), depending upon your creditworthiness. The rate may increase or decrease quarterly, but it will never exceed 25.00% 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 8.00%. 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 14.00% APR) to Prime + 14.00% (currently 22.00% APR), depending upon your creditworthiness. The rate may increase or decrease quarterly, but it will never exceed 25.00% APR. Earn unlimited 1.5% cash back on every qualifying 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. For college students to be eligible for a 1st Time User Credit Card, you must be enrolled in at least 2 classes per quarter with no established credit history or be employed with proof of income and no established credit history. Share-Secured: The APR for Purchases, Balance Transfers and Cash Advances for a Share-Secured credit card is 14.50% 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 12/01/2024 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 $10 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.

⁹Personal Signature Loan: All loan applications are subject to credit review and approval. Annual Percentage Rates (APRs) are accurate as of 12/01/2024 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 11.99% APR to 18.00% APR, depending upon your creditworthiness; the APR will be determined at the time your application is approved. Loan amounts up to $7,999 have a maximum term of 48 months and loan amounts $8,000 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 11.99% APR will have a monthly payment of $184.34. Other rates, terms, payments, and loan amounts are available. The minimum loan amount is $500, and the maximum loan amount is $50,000. If your payment is more than 10 days late, there is a Late Payment Fee of 5% of the payment due.

¹⁰QCash Loan: All loan applications are subject to review of eligibility and approval. The Annual Percentage Rate (APR) is accurate as of 12/01/2024. The APR for the QCash loan is a fixed rate for the duration of the loan. The APR will be 17.00% APR. For example, a QCash loan for $1,000 with a 12-month term (1 years) at 17.00% APR will have a monthly payment of $91.18. Other terms, payments, and loan amounts are available. The minimum loan amount is $200, and the maximum loan amount is $2,000. 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 180 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 12/09/2024 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 11.00% APR to 19.00% 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 $50,000. 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 12/01/2024 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®.

¹³All loans are subject to credit review and approval. The Annual Percentage Rate (APR) is variable and may change at any time. The APRs are accurate as of 12/01/2024 and are based upon your creditworthiness and the index plus a margin and will vary with Prime Rate (the index) as published in the Wall Street Journal.

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