Whether you’re a first-time saver looking for a basic savings account, or an experienced saver looking for the highest yields, we can help. Wright-Patt Credit Union® (WPCU®) has many options to choose from that can help you earn dividends and reach your savings goals. From basic savings accounts to high-rate accounts, we've got you covered. Learn more about becoming a member through our available savings account options below .
At Wright-Patt Credit Union, our TrueSaver® savings account gives you the opportunity to earn our highest savings rate on your very first penny saved at our credit union!
A savings account – with a twist! When you open a Save to Win® savings account, rather than earning dividends, for every $25 saved each month you’ll earn an entry for a chance to win cash prizes on top of your hard-earned savings dollars.
WPCU's Money Market Savings Account offers the best in money market account benefits to give you a smart solution for your savings account needs. Plus, your savings account gets you easy access to your savings whenever you need it, with no hidden fees!
For funds you don't need right away, Share Certificates are a great way to earn great rates with flexible terms on your additional savings.
If you’re looking for the safety of an insured deposit with a guaranteed rate of return, WPCU has IRA products to meet your needs.
WPCU's Health Savings Accounts (HSAs) help you pay for deductible health expenses and other out-of-pocket medical costs while you save for future medical expenses.
Plus, you can feel good about the extraordinary service you’ll get from friendly people who always have your best interests in mind.
Have a special child in your life that means the world to you? If you are a grandparent, godparent, aunt, uncle or close family friend of a youth under 21 years old, a Wright-Patt Credit Union Custodial Account is a smart way to help them establish a great start to a solid financial future. This also introduces them to the benefits a credit union offers, with great savings account rates.
Wright-Patt Credit Union’s Club Accounts are short-term savings accounts you’ve earmarked for a specific reason, like a summer vacation or a holiday. These savings accounts allow you to plan ahead and offer great rates with no hidden fees!
WPCU Club Savings Accounts offer an easier way to budget for life’s known expenses and plan ahead. You have a choice of terms from 3-to-12 months, and you can have as many Club Accounts as you have planned expenses. Find yourself a little short on cash? No problem. You can make withdrawals from your Club account during the account's term without fees or penalties. For additional account information, please see the Club Account Truth-in-Savings Disclosure .
It’s easy to spend money but not always as easy to save it. Now you can do both with Wright-Patt Credit Union’s EasySaver® debit card round-up account . Click here to learn more about EasySaver .
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:
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.
Yes. Here are the different ways you can move money to/from other financial institutions:
Log into Online/Mobile Banking
Call our Member Help Center
Visit us at one of our convenient Member Center locations
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.
A high-yield savings account, like WPCU’s Money Market Account, is a type of savings account that pays a significantly higher annual percentage yield (APY) than a traditional savings account. These accounts allow you to earn more interest on your deposits while still maintaining easy access to your money.
High-yield savings accounts work similarly to regular savings accounts, but they offer higher interest rates. The APY determines how much interest you earn on your balance over time, helping your savings grow faster.
A “good” APY is typically higher than the national average savings rate. Many high-yield savings accounts offer several times the interest of standard accounts, making them attractive for people looking to maximize their savings.
Yes. High-yield savings accounts offered by federally insured credit unions like Wright-Patt Credit Union are protected by the National Credit Union Administration (NCUA), which federally insures deposits up to $250,000 per account holder.
Money Market accounts or high-yield savings accounts are ideal for people who want to earn more interest on emergency funds, short-term savings goals, or cash reserves while still keeping their money accessible.
Access your account anywhere you go with a free contactless debit card available through our credit union.
Round up your debit card purchases and save more, faster. Learn more about our EasySaver® Account .
Manage your finances, including loans, checking or savings accounts, on the go from your smartphone or mobile device. Download the mobile app from our credit union today.
Take 2 minutes to answer 8 questions and receive a snapshot of what's going well with your money and opportunities to improve your Financial Flexibility and Freedom® journey!