Source: https://www.wpcu.coop/helpful-resources/rates
Read: 2026-10-22T10:08:53.000Z

Rates for Personal and Business Accounts | Wright-Patt Credit Union This website uses cookies, tags, pixels, web beacons, social media plug-ins, session replay technology, heatmaps and other tracking technologies to improve and personalize your experience, conduct website analytics, and advertise to you. We share information gathered through these tracking technologies with our social media, advertising and analytics partners. By clicking “I Agree”, you consent to the use of these tracking technologies on this website. By clicking “Decline” or continuing to use this website without closing or responding to this banner, these tracking technologies will not be enabled. For further information, please refer to the WPCU Online Privacy Policy .
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# Rates
Become a Member
## Save Better, Borrow Smarter with Great Rates from Wright-Patt Credit Union
Wright-Patt Credit Union® (WPCU®) is dedicated to providing the best rates you will find anywhere. Because we share profits with our members—rather than paying revenue to investors—we can give back through better rates, higher dividends and lower fees. Check out our rates on popular products, then Become a Member today!
Savings Accounts
Description | APY
TrueSaver: Qualifying Balance
Description $0.01 to $1,000.00 | APY 7.00%
Description $1,000.01 and Higher | APY 0.25% - 7.00%
TrueSaver: Non-Qualifying Balance
Description $0.01 and Higher | APY 0.25%
Secondary Share
Description $0.01 to $500.00 | APY 0.25%
Description $500.01 and Higher | APY 0.25%
EasySaver Share ,
Description $0.01 to $500.00 | APY 0.15%
Description $500.01 and Higher | APY 0.15%
Club Account
Description $.01 and Higher | APY 0.15%
Money Market Savings Account
Description $100.00 to $2,499.99 | APY 2.75%
Description $2,500.00 to $9,999.99 | APY 2.75%
Description $10,000.00 to $49,999.99 | APY 2.75%
Description $50,000.00 and Higher | APY 2.75%
Share Certificates - $500 Minimum
Description 06-11 Month | APY 4.00%
Description 12-17 Month | APY 4.25%
Description 18-23 Month | APY 4.30%
Description 24-35 Month | APY 4.40%
Description 36-47 Month | APY 4.50%
Description 48-59 Month | APY 4.60%
Description 60-71 Month | APY 4.60%
Description 72 Month | APY 4.70%
Share Certificates - $100,000 Minimum
Description 06-11 Month | APY 4.00%
Description 12-17 Month | APY 4.25%
Description 18-23 Month | APY 4.30%
Description 24-35 Month | APY 4.40%
Description 36-47 Month | APY 4.50%
Description 48-59 Month | APY 4.60%
Description 60-71 Month | APY 4.60%
Description 72 Month | APY 4.70%
Single Deposit Traditional or Roth IRA - $500 Minimum
Description 06-11 Month | APY 4.00%
Description 12-17 Month | APY 4.25%
Description 18-23 Month | APY 4.30%
Description 24-35 Month | APY 4.40%
Description 36-47 Month | APY 4.50%
Description 48-59 Month | APY 4.60%
Description 60-71 Month | APY 4.60%
Description 72 Month | APY 4.70%
Single Deposit Traditional or Roth IRA - $100,000 Minimum
Description 06-11 Month | APY 4.00%
Description 12-17 Month | APY 4.25%
Description 18-23 Month | APY 4.30%
Description 24-35 Month | APY 4.40%
Description 36-47 Month | APY 4.50%
Description 48-59 Month | APY 4.60%
Description 60-71 Month | APY 4.60%
Description 72 Month | APY 4.70%
Add-On Traditional or Roth IRA
Description $100 Min - 18 Month Variable Rate | APY 4.09%
Description $100,000 Min - 18 Month Variable Rate | APY 4.09%
Description $100 Min - 18 Month Fixed Rate | APY 4.30%
Description $100,000 Min - 18 Month Fixed Rate | APY 4.30%
Health Savings Accounts
Description | APY
Enhanced Health Savings Account ("HSA")
Description $0.01 to $1,000.00 | APY 7.00%
Description $1,000.01 and Higher | APY 1.25% - 7.00%
Checking Accounts
Description | APY
Checking With Dividends
Description $0.01 to $9,999.99 | APY 0.04%
Description $10,000.00 to $24,999.99 | APY 0.04%
Description $25,000.00 and Higher | APY 0.08%
Select Checking with Dividends
Description $1,000.00 and Higher | APY 0.04%
Auto Loans
Description | APR
Auto Loans (2023 or Newer)
Description Up to 63 Months | APR 4.99% - 15.44%
Description 64-75 Months | APR 5.49% - 15.94%
Description 76-84 Months | APR 5.74% - 11.74%
Auto Loans (2022 or Older)
Description Up to 63 Months | APR 5.49% - 15.94%
Description 64-75 Months | APR 5.99% - 16.44%
Description 76-84 Months | APR 6.24% - 12.24%
Motorcycle Loans (2023 or Newer)
Description Up to 63 Months | APR 6.54% - 17.75%
Description 64-75 Months | APR 7.04% - 17.75%
Description 76-84 Months | APR 7.54% - 16.04%
Motorcycle Loans (2022 or Older)
Description Up to 63 Months | APR 7.04% - 17.75%
Description 64-75 Months | APR 7.54% - 17.75%
Description 76-84 Months | APR 8.04% - 11.64%
RV & Watercraft Loans (2023 or Newer)
Description Up to 84 Months | APR 7.34% - 17.25%
Description 85-240 Months | APR 8.34% - 16.74%
RV & Watercraft Loans (2022 or Older)
Description Up to 84 Months | APR 7.84% - 17.25%
Description 85-240 Months | APR 8.84% - 17.24%
Home Equity Loans
Description | APR
Home Equity Loans (LTV 85% or Less)
Description 60 Months Fixed | APR 7.00% - 8.50%
Description 61-120 Months Fixed | APR 7.75% - 9.25%
Description 121-180 Months Fixed | APR 8.00% - 8.75%
Home Equity Loans (LTV 85.1% - 100%)
Description 60 Months Fixed | APR 8.00% - 9.50%
Description 61-120 Months Fixed | APR 8.75% - 10.25%
Description 121-180 Months Fixed | APR 9.00% - 9.75%
Home Equity Line of Credit
Description LTV 85% or Less | APR 7.00% - 12.50%
Description LTV 85.1% - 100% | APR 8.50% - 10.00%
Credit Cards
Description | APR
Credit Cards
Description Platinum Low Rate | APR 9.75% - 17.75%
Description Platinum Rewards | APR 12.75% - 20.75%
Description Wright State Alumni Platinum Low Rate | APR 9.75% - 17.75%
Description Wright State Alumni Rewards | APR 12.75% - 20.75%
Description First Time User | APR 17.99%
Description Share Secured | APR 14.50%
Personal Loans
Description | APR
Description Signature Loan - Up to 60 Months | APR 11.99% - 18.00%
Description QCash - Up to 24 Months | APR 17.00%
Description ReadyLine Line of Credit | APR 9.75% - 17.75%
Description StretchPay Loan | APR 25.00%
Business Deposits
Description | APY
Business Share Account
Description $5.00 to $500.00 | APY 0.25%
Description $500.01 and Higher | APY 0.25%
Dividend Choice/Mission Based Checking
Description $0.01 to $9,999.99 | APY 0.04%
Description $10,000.00 to $24,999.99 | APY 0.04%
Description $25,000.00 and Higher | APY 0.08%
Business Money Market Savings Account
Description $100.00 to $2,499.99 | APY 2.75%
Description $2,500.00 to $9,999.99 | APY 2.75%
Description $10,000.00 to $49,999.99 | APY 2.75%
Description $50,000.00 and Higher | APY 2.75%
Business Share Certificates - $500 Minimum
Description 06-11 Month | APY 4.00%
Description 12-17 Month | APY 4.25%
Description 18-23 Month | APY 4.30%
Description 24-35 Month | APY 4.40%
Description 36-47 Month | APY 4.50%
Description 48-59 Month | APY 4.60%
Description 60-71 Month | APY 4.60%
Description 72 Month | APY 4.70%
Business Share Certificates - $100,000 Minimum
Description 06-11 Month | APY 4.00%
Description 12-17 Month | APY 4.25%
Description 18-23 Month | APY 4.30%
Description 24-35 Month | APY 4.40%
Description 36-47 Month | APY 4.50%
Description 48-59 Month | APY 4.60%
Description 60-71 Month | APY 4.60%
Description 72 Month | APY 4.70%
Business Credit Cards
Description | APR
Business Credit Cards
Description Business Platinum Low Rate | APR 9.75% - 13.75%
Description Business Platinum Rewards | APR 12.75% - 16.75%