Credit union · NCUA insured
Wright-Patt Credit Union CD Rates
Wright-Patt Credit Union’s best CD rate is 4.07% APY on a 6-year share certificate (CD). Terms run from 6 months to 6 years. Rates checked October 16, 2026.
How Wright-Patt Credit Union’s CD rates compare
Compared with banks and credit unions near Dayton, OH, where Wright-Patt Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Wright-Patt Credit Union
4.07%APY
- Term
- 72 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $2,704
Share Certificates
Top rate
Bridge Credit Union
4.40%APY
- Term
- 15 months
- Requires
- Another account
- Minimum
- $1,000
- Earns on $10,000
- $553
2nd-highest rate
Treadwell Credit Union
4.30%APY
- Term
- 18 months
- Requires
- None
- Minimum
- —
- Earns on $10,000
- $652
Wright-Patt Credit Union CD score
86
CD score
Higher than 73% of U.S. banks and credit unions
- 3–8 months3–8 mo3.65%
- 9–15 months9–15 mo3.75%
- 16–30 months16–30 mo3.86%
- 31–60 months31–60 mo3.97%
- QualifiedQualified3.97%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Wright-Patt Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Share Certificates
Up to 4.07%APY · 8 terms
Dividends are compounded monthly and credited monthly. Early withdrawal penalties apply. $500.00 or $100,000 minimum balance requirement to open and earn dividends depending on the dividend tier. No monthly service fee.
| Term | APY · $500 and up | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 6–11 months | 3.65% | 3.65% | 3.65%3.65% from $100k | $181 |
| 12–17 months | 3.75% | 3.75% | 3.75%3.75% from $100k | $375 |
| 18–23 months | 3.80% | 3.80% | 3.80%3.80% from $100k | $575 |
| 24–35 months | 3.86% | 3.86% | 3.86%3.86% from $100k | $787 |
| 36–47 months | 3.92% | 3.92% | 3.92%3.92% from $100k | $1,223 |
| 48–59 months | 3.97% | 3.97% | 3.97%3.97% from $100k | $1,685 |
| 60–71 months | 3.97% | 3.97% | 3.97%3.97% from $100k | $2,149 |
| 72 months | 4.07% | 4.07% | 4.07%4.07% from $100k | $2,704 |
Sources (3)
- wpcu.coop/helpful-resources/rates
- wpcu.coop/personal/savings-accounts
- wpcu.coop/personal/savings-accounts/share-certificates
All captured Sep 17, 2026
Special-purpose accounts
Single Deposit Traditional or Roth IRA
Up to 4.07%APY · 8 terms
Available as Traditional or Roth IRA. Minimum balance required is $500.00 or $100,000.00 depending on dividend tier. No yearly fees. Contribution restrictions apply.
| Term | APY · $500 and up | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 6–11 months | 3.65% | 3.65% | 3.65%3.65% from $100k | $181 |
| 12–17 months | 3.75% | 3.75% | 3.75%3.75% from $100k | $375 |
| 18–23 months | 3.80% | 3.80% | 3.80%3.80% from $100k | $575 |
| 24–35 months | 3.86% | 3.86% | 3.86%3.86% from $100k | $787 |
| 36–47 months | 3.92% | 3.92% | 3.92%3.92% from $100k | $1,223 |
| 48–59 months | 3.97% | 3.97% | 3.97%3.97% from $100k | $1,685 |
| 60–71 months | 3.97% | 3.97% | 3.97%3.97% from $100k | $2,149 |
| 72 months | 4.07% | 4.07% | 4.07%4.07% from $100k | $2,704 |
Sources (2)
All captured Sep 17, 2026
Add-On Traditional or Roth IRA
Up to 3.80%APY · 1 term
Available as Traditional or Roth IRA. Minimum balance required is $100.00 or $100,000.00 depending on dividend tier. Offers variable and fixed rate options. No yearly fees. Contribution restrictions apply.
| Term | APY · $100 and up | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 18 monthsFixed Rate | 3.80% | 3.80% | 3.80%3.80% from $100k | $575 |
| 18 monthsVariable Rate | 3.60% | 3.60% | 3.60%3.60% from $100k | $545 |
Sources (2)
All captured Sep 17, 2026
Who can join Wright-Patt Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, worship, or attend school in Brown, Butler, Champaign, Clark, Clermont, Clinton, Darke, Delaware, Fairfield, Fayette, Franklin, Greene, Hamilton, Highland, Licking, Madison, Miami, Montgomery, Pickaway, Preble, Shelby, Union, or Warren Counties in Ohio are eligible.
Employers and groups
- People associated through employment, geographic location, or other organizational affiliation with approved Select Employer Groups (SEGs) are eligible for membership.
Military, government and schools
- Government employees near WPAFB who lack access to a credit union are eligible for membership.
- Military personnel residing in a 14-county area adjacent to the Fairborn area who do not have a credit union available are eligible for membership.
- Retired U.S. government civilian and military personnel are eligible for membership.
- Military and civilian employees of Wright-Patterson Air Force Base are eligible for membership.
3 more ways to join
Military, government and schools
- Wright State University students, faculty, staff, and alumni are eligible for membership.
Family and household
- Spouses, children, and certain other relatives of current WPCU members are eligible for membership.
Other ways
- Businesses located within WPCU's field of membership that meet state registration, principal location, and financial standing requirements are eligible for business membership.
Cost to join
- Membership requires opening a TrueSaver account with a one-time share deposit of $5.00.
Membership information collected October 5, 2026.