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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 October 3, 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 October 3, 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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​​*Wright-Patt Credit Union membership and Qualifying Save to Win Account required. Participating Member will be eligible for one (1) entry for each $25 increase in the monthly balance of the Qualifying Account calculated on the last calendar day of the month. Eligible entries cannot exceed 100 entries for the monthly Prize Drawing, 300 entries for each quarterly Prize Drawing and 1,200 entries for each annual Prize Drawing, per Participating Member. Odds of winning are based on the number of eligible entries received. Except for making the required deposits taking any other action, or purchasing any goods or services, will not increase the odds of winning. Eligibility restrictions apply. See Official Rules​ for more details.

**The minimum deposit to open a Save to Win account is in addition to the purchase of one $5.00 membership share required to be maintained in your TrueSaver® account. There is no minimum balance required to open a Save to Win account. The minimum deposit to open a TrueSaver® account is $5.00. Dividends are not paid on the Save to Win account. For additional account information, please see the Save to Win Truth-In-Savings disclosure​. 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 their 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 they own with the Credit Union, and (d) The member has not previously caused the Credit Union a financial loss of any kind.​
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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 October 3, 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.​​
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†​​ATMs may be subject​ to surcharges and/or Member Choice fees. For ATM fee information, view our General Fee Schedule.​
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‡All loan applic​ations are subject to credit review and approval.​​​
***In accordance with regulatory requirements, borrowers under the age of 21 applying for a credit card must either show proof of “ability to pay” or have a qualified cosigner who is 21 years of age or older. All credit applications are subject to credit review and approval.
​​​​​​​*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.
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