Wright-Patt Credit Union Reviews: 101 User Ratings (2024)

Wright-Patt Credit Union Reviews: 101 User Ratings (1)

Rating 3.1 / 5

101 Reviews

101 Reviews

Wright-Patt Credit Union is a Federally Insured State Chartered Credit Union with 30 Member Centers, and assets of nearly $3 billion. WPCU is a democratically controlled not-for-profit financial cooperative owned by and operated for the benefit of the membership.

Eligibility

Find out if you are eligible to join Wright-Patt Credit Union.

Wright-Patt Credit Union Reviews

5

44%

4

8%

3

4%

2

1%

1

44%

3.1

101 reviews

101 reviews

What's Your Rating?

Stephanie J

@stephaniej_62

5 Star Rating

Verified Customer

Greatest credit union to have on your side. Always there for you when in need of anything. I bank with them and have two loans with them: a credit card and a car loan.

Product: Wright-Patt Credit Union Car Loans

Comment

Kellye

@kellyed1122

5 Star Rating

Verified Customer

Very excellent customer service. I'm super impressed with Wright-Patterson Credit Union. I have been with Day Air Credit Union for five years, and with a 667 credit score and zero debt, I could not get a car loan. But Wright Patt and Reichard Buick got me all the way together. Thank you, Wright Patt, for outstanding work and client support system. I didn't even have to go into the branch; the dealer opened the account for me during my car sale. Talk about convenience!

Product: Wright-Patt Credit Union Car Loans

Comment

jkirkland4610

@jkirkland4610

1 Star Rating

I have been a customer with Wright Patt for 15 years. I applied for a personal loan and have a stellar pay history on my credit report and a good credit score, my DTI is a bit high and that was the reason I was applying for the loan was to do some debt consolidation and they turned me down. None of the representatives are on the same page and I keep getting different information from everyone that I have spoken with. I called my bank and was able to get approved and funded within 10 minutes. I’ll never try to do business with this place again and I will be closing out all of my accounts that I have with them. Hopefully they hire competent people that are aware how the financial industry work.

Product: Wright-Patt Credit Union Personal Loans

Comment

tsherry17

@tsherry17

5 Star Rating

Verified Customer

The best credit union. For a car loan they the best.I will alway do business with this company.Hopefully to get a credit card with them in the next year

Product: Wright-Patt Credit Union Car Loans

Comment

1

Paul

@paula_83

2 Star Rating

Verified Customer

I don’t have this loan anymore it’s not on my Wright Patt account anymore You’re hitting me with something I don’t have anymore I have added all that I can say about this account you’re bombing my credit

Product: Wright-Patt Credit Union Car Loans

Comment

1

Ridge Johnston

@ridge_johnston

5 Star Rating

Verified Customer

Lowest Interest Rate and Highest Credit Availability to Income Level I had been Offered by any other institution. Their Customer Service and Fraud Department is Amazing! I don't worry about anything! There online banking is amazing too for managing the Credit Card!

Product: Wright-Patt Credit Union Credit Cards

Comment

1

Steve L

@n8tfd

1 Star Rating

My elderly parents have "autopay" on their HELOC....WPCU decided to change the date they paid it to conveniently after it was due, charged a late fee, and are now threatening collections -- hoping my parents wouldn't notice. They didn't, but I did. This is clearly elder abuse and will not be tolerated...I will successfully fight this but I'd prefer that nobody else should have to.

Product: Wright-Patt Credit Union Home Equity

Comment

Paul

@paula_83

5 Star Rating

Verified Customer

Wright Patt Credit union is a awesome place that helps you get back on course with your credit I would recommend Wright Patt whole heartedly

Product: Wright-Patt Credit Union Personal Loans

Comment

1

Archie Bryant

@bryant_mcafee

5 Star Rating

Verified Customer

Great Credit Union Option for all banking needs. I really appreciate the support and ease of access. Customer support is world class!

Product: Wright-Patt Credit Union Credit Cards

Comment

1

Maria

@airamay40

5 Star Rating

Verified Customer

Low apr. Easy to contact and easy to work with a good grace period 15 days. This helps if you get paid every two weeks. The payment is high but I'm looking to refinance soon

Product: Wright-Patt Credit Union Car Loans

Comment

1

kebeswick

@kebeswick

1 Star Rating

Opened up a CD with Wright-Patt Credit Union only to get a notification that they performed a hard credit check thru Transunion. Imagine, I'm giving them money and they are running a credit check on me? What? Would rate zero if I could.

Product: Wright-Patt Credit Union CDs

Comment

1

Anissa

@nissab89

4 Star Rating

Verified Customer

The app is terrible, but other than that I had a pretty good experience and would recommend them. They are friendly and very helpful and great at answering any questions you may have.

Product: Wright-Patt Credit Union Car Loans

Comment

Adam

@adam8bblackford

3 Star Rating

Verified Customer

Set me up on an auto pay system at the start of the loan but made me go in and manually make the first one. A couple of years later they did not inform me that I had an $8 balance on my account and could not tell me where it was from.

Product: Wright-Patt Credit Union Car Loans

Comment

1

Anita

@Anitathe411

5 Star Rating

Verified Customer

Very helpful, personable and always kind. Locations are always convenient, drivethru is very secure, and ATM are everywhere. Thank you wright patt

Product: Wright-Patt Credit Union Personal Loans

Comment

1

William

@w_warren058

5 Star Rating

Verified Customer

They are always helpful and friendly they will work hard to help you anyway they can they offer a lot of programs to help you save for retirement

Product: Wright-Patt Credit Union Personal Loans

Comment

1

Review Wright-Patt Credit Union

Wright-Patt Credit Union Offers

Business Services

Car Loans

Checking

Credit Cards

Home Equity

Investments

Mortgages

Personal Loans

Prepaid Cards

Savings

CDs

Student Loans

Wright-Patt Credit Union Q&A(7 questions)

Get answers to your questions about Wright-Patt Credit Union below. Editorial and user-generated content is not provided, reviewed or endorsed by any company. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered.

Wright-Patt Credit Union Reviews: 101 User Ratings (2)

1

Upvote

Can I transfer money from my Wright-Patt account to someone else's account?

Reply

1

Kendall Morris, Credit Cards Moderator

@kendallmorris

You cannot transfer money from your Wright-Patt account to someone else's account. You can only transfer funds to your account from another bank.

1

View more answers

1

Upvote

Can I transfer money from my Wright-Patt account to an account from another bank?

Reply

1

Lisa Cahill, Credit Cards Moderator

@lisacahill

You can transfer money from your Wright-Patt account to an account from a different bank. There are several ways you can do that: by logging in to online or mobile banking, by calling the member help center, or by going to a branch.

1

Upvotes

What credit score do I need for a home equity line of credit

Reply

Upvotes

How many times can I overdraft?

Reply

Upvotes

If I open an account with WPCU, how do they invest the money?

Reply

Upvotes

If I am under the age of 18, are there any additional conditions for savings, checking, and CD accounts?

Reply

Upvotes

Where can I find more information about Student Choice for my daughter?

Reply

Wright-Patt Credit Union

@WPCU

Hello, please visit the Wright-Patt Credit Union Student Choice at https://wpcu.studentchoice.org/, and you'll get everything you need. Let me know if I can help further! Nate

Wright-Patt Credit Union Reviews: 101 User Ratings (2024)

FAQs

What credit union has the highest rating? ›

Here is an overview of the best overall institutions and accounts of 2024. Best-of 2024 Banking Winners: Alliant Credit Union: Best credit union. Ally Bank: Best bank; best CDs.

What credit bureau does Wright-Patt Credit Union pull from? ›

My Credit Score uses a soft pull of your credit profile from TransUnion, one of the three major credit reporting bureaus, and uses VantageScore 3.0, a credit scoring model developed collaboratively by the three major credit bureaus: Equifax, Experian, and TransUnion.

How reliable are credit unions? ›

Why are credit unions safer than banks? Like banks, which are federally insured by the FDIC, credit unions are insured by the NCUA, making them just as safe as banks. The National Credit Union Administration is a US government agency that regulates and supervises credit unions.

Is Wright-Patt Credit Union FDIC insured? ›

Are my deposits insured? ​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).

What are the top credit union issues? ›

Top 10 Challenges Facing Credit Unions
  • Competing with Larger Banks & FinTechs.
  • Membership Growth & Awareness.
  • Aging Membership.
  • Talent Acquisition and Retention.
  • Expanding Services.
  • Technological Integration.
  • AI leverages Economic & Operational Efficiency.
  • Actions for Credit Union Success.
Apr 30, 2024

What is the safest bank in the United States? ›

JPMorgan Chase, the financial institution that owns Chase Bank, topped our experts' list because it's designated as the world's most systemically important bank on the 2023 G-SIB list. This designation means it has the highest loss absorbency requirements of any bank, providing more protection against financial crisis.

How big is Wright-Patt Credit Union? ›

WPCU is registered as a state-chartered credit union, is the largest member-owned credit union in Ohio, and is one of the 50 largest credit unions in the United States. As of February 2022, WPCU has over $7.1 billion in assets, and over 446,000 members.

What credit score do credit unions use? ›

FICO® Scores are the most widely used credit scores. Each FICO® Score is a three-digit number calculated from the data on your credit reports at the three major consumer reporting agencies—Experian, TransUnion and Equifax. Your FICO® Scores predict how likely you are to pay back a credit obligation as agreed.

What is the largest credit union bank? ›

Navy Federal Credit Union

Is there a downside to a credit union? ›

Credit unions tend to have fewer branches than traditional banks. A credit union may not be close to where you live or work, which could be a problem unless your credit union is part of a shared branch network and/or a large ATM network such as Allpoint or MoneyPass. May offer fewer products and services.

Can a credit union crash like a bank? ›

Experts told us that credit unions do fail, like banks (which are also generally safe), but rarely. And deposits up to $250,000 at federally insured credit unions are guaranteed, just as they are at banks.

How to tell if a credit union is good? ›

How to Choose a Credit Union: Top Ten Factors to Consider
  1. Rates and Fees. Credit unions (CUs) offer lower rates and fees on most of their products. ...
  2. Outstanding Customer Service. ...
  3. Community Focus of Credit Unions. ...
  4. Apps and Technology. ...
  5. ATMs and Branch Locations. ...
  6. Security and Insurance. ...
  7. Assess Your Needs. ...
  8. Check Eligibility.
Sep 12, 2019

How safe is Wright-Patt Credit Union? ›

85-90% of WPCU deposit accounts are insured by the NCUA against loss. Those that are uninsured have balances above the amount insured.

Which is safer FDIC or NCUA? ›

One of the only differences between NCUA and FDIC coverage is that the FDIC will also insure cashier's checks and money orders. Otherwise, banks and credit unions are equally protected, and your deposit accounts are safe with either option.

Can anyone join Wright-Patt Credit Union? ›

Individuals who live, work, worship or attend school in Butler, Champaign, Clark, Clermont, Clinton, Darke, Delaware, Fairfield, Franklin, Greene, Hamilton, Licking, Madison, Miami, Montgomery, Pickaway, Preble, Shelby, Union or Warren Counties in Ohio.

Is there a rating system for credit unions? ›

NCUA LETTER TO CREDIT UNIONS

The NCUA Board approved a final rule that added the Sensitivity to Market Risk, or “S,” component to the existing CAMEL rating system and redefined the Liquidity Risk, or “L,” component. The effective date of the CAMELS final rule is April 1, 2022.

Which bank has the highest credit rating? ›

The world's top banks credit ratings
NoBankFitch
1Bank Nederlandse GemeentenAAA
2Caisse des Depots et Consignations (CDC)AAA
3KfWAAA
4Landwirtschaftliche RentenbankAAA
31 more rows

Which credit union has the best CD rates? ›

Compare the Best CD Rates
InstitutionRate (APY)Minimum Deposit
NASA Federal Credit Union5.40%$10,000
INOVA Federal Credit Union5.40%$200
CIBC Agility5.36%$1,000
Mills42 Federal Credit Union5.35%$500
15 more rows

Which one is the best credit union in California? ›

Top Credit Unions in California
  • SchoolsFirst Federal Credit Union.
  • Golden 1 Credit Union.
  • First Technology Federal Credit Union.
  • San Diego County Credit Union.
  • Star One Credit Union.
  • Patelco Credit Union.
  • Logix Federal Credit Union.
  • Redwood Credit Union.
Apr 4, 2024

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