Credit union · NCUA insured
Wright-Patt Credit Union Savings Rates
Wright-Patt Credit Union’s best savings rate is 2.50% APY on $10,000, with its Money Market Savings Account. Rates checked October 16, 2026.
How Wright-Patt Credit Union’s savings 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
2.50%APY
- Requires
- None
- Minimum
- $100
- Earns on $10,000 a year
- $250
Money Market Savings Account
Top rate
Pathways Financial Credit Union
4.00%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $400
2nd-highest rate
Huntington Bank
3.25%APY
- Requires
- Another account
- Minimum
- $100
- Earns on $10,000 a year
- $325
Wright-Patt Credit Union savings score
74
Savings score
Higher than 35% of U.S. banks and credit unions
- $1,000 balance$1,0000.25%
- $10,000 balance$10,0000.25%
- $100,000 balance$100,0002.50%
- QualifiedQualified0.25%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
TrueSaver
0.25%APY
To earn the higher rate on qualifying balances up to $1,000, must have an active checking account with a minimum of 4 qualifying transactions per dividend period, and at least 1 direct deposit within 45 days or enrollment in eStatements. A $5 minimum share deposit/balance is required to open.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $1,000Qualifying balance tier. Requires active checking (at least 4 qualifying transactions per dividend period) and either direct deposit within 45 days or eStatements setup. | 7.00% | — | Qualifying balance tier. Requires active checking (at least 4 qualifying transactions per dividend period) and either direct deposit within 45 days or eStatements setup. |
| Over $0Non-qualifying balance tier. | 0.25% | $25 | Non-qualifying balance tier. |
Money Market Savings Account
2.50%APY
Dividends are compounded and credited monthly. Variable rate account. No monthly service fees. Free checks available with a balance of $10,000 or more. NCUA insured up to $250,000.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $100 – $2,500 | 2.50% | — |
| $2,500 – $10,000 | 2.50% | — |
| $10,000 – $50,000 | 2.50% | $250 |
| $50,000 and up | 2.50% | — |
Sources (2)
All captured Sep 17, 2026
Secondary Share
0.25%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $500 | 0.25% | — |
| Over $500 | 0.25% | $25 |
Sources (2)
All captured Sep 17, 2026
EasySaver Share
0.15%APY
Debit card round-up program transfers rounded difference to savings; includes match of 50% for first 30 days and 5% per quarter thereafter (up to $300/year).
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $500 | 0.15% | — |
| Over $500 | 0.15% | $15 |
Sources (3)
- wpcu.coop/helpful-resources/rates
- wpcu.coop/personal/checking-ac…-checking-account-offers
- wpcu.coop/personal/savings-accounts
All captured Sep 17, 2026
Special-purpose accounts
Custodial Account
0.25%APY
Account for a minor under 21 years old managed by an adult custodian (18+). Features a TrueSaver account structure with $5 minimum balance and no monthly service fee. Does not include access to ATM/Debit card, mobile/online banking, loans, or credit cards.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $1,000Eligible to earn TrueSaver dividend rate. Qualifying balances up to $1,000 earn 7.00% APY. | 7.00% | — | Eligible to earn TrueSaver dividend rate. Qualifying balances up to $1,000 earn 7.00% APY. |
| Over $0Non-qualifying balance tier earns 0.25% APY. | 0.25% | $25 | Non-qualifying balance tier earns 0.25% APY. |
Sources (1)
- wpcu.coop/personal/savings-accounts · captured Sep 17, 2026
Enhanced Health Savings Account (HSA)
7.00%APY
Must be covered under an HSA-qualified High Deductible Health Plan (HDHP), not covered by another non-HDHP plan, and not enrolled in Medicare.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $1,000 | 7.00% | — |
Sources (3)
- wpcu.coop/helpful-resources/rates
- wpcu.coop/personal/savings-accounts
- wpcu.coop/personal/savings-acc…/health-savings-accounts
All captured Sep 17, 2026
Club Account
0.15%APY · 1 term
Short-term savings accounts earmarked for specific savings goals with terms from 3 to 12 months. No minimum balance required, no monthly fee, and withdrawals are permitted without fee or penalty during the term.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3–12 monthsChoice of terms from 3-to-12 months. Withdrawals permitted during term without fees or penalties | 0.15% | $4 |
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.