Wright-Patt Credit Union Reviews: 101 User Ratings (2025)

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 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 (1)

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 (2025)

FAQs

Is Wright-Patt Credit Union a good bank? ›

MONEY Magazine (a publication of Time Inc.) has ranked Wright-Patt Credit Union (WPCU) as the Best Bank in Ohio 2017 – 2018 as part of its Best “Bank" in Every State November issue.

Which credit union has the best rating? ›

Compare the Best Credit Unions
Financial InstitutionWhy We Picked It
Blue Federal Credit UnionBest Overall
Liberty Federal Credit UnionBest for Checking
Alliant Credit UnionBest for a Savings Account
Service Credit UnionBest for Military Individuals & Families
1 more row

How do you know if a credit union is good? ›

How To Choose a Credit Union
  1. Look into membership requirements. ...
  2. Review available products and services. ...
  3. Check out digital tools. ...
  4. Compare rates. ...
  5. Research locations. ...
  6. Verify NCUA coverage.

Is Wright-Patt Credit Union federally insured? ›

Federally insured by NCUA.

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.

What are the three top credit unions? ›

Largest Credit Unions in the U.S.
Rank by Asset SizeCredit Union NameNumber of Branches
1.Navy Federal Credit Union350
2.State Employees' Credit Union270
3.Pentagon Federal Credit Union50
4.Boeing Employees' Credit Union60
6 more rows
Aug 27, 2024

What is a weakness of a credit union? ›

Weaknesses of Credit Unions

Membership is restricted. The membership of a credit union is restricted to a specific community, most often a religion, profession, or geographic location.

What is a disadvantage to using a credit union? ›

Limited accessibility. 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.

Are credit unions safer than banks? ›

One question that often arises is, "Are Credit Unions Safer than Banks?" If you're looking for a short answer, you'll be happy to know that we're not making you read the whole post: Credit Unions and banks are roughly identical in safety because deposits at both are insured by the Federal government to $250,000.

Can anyone join Wright-Patt Credit Union? ›

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.

What kind of bank is Wright-Patt? ›

As a trusted Cincinnati, Dayton and Columbus credit union, Wright-Patt Credit Union is an equal housing lender and a not-for-profit, member-owned financial institution, dedicated to giving all our members the products and resources they need to make life a little easier: Lower fees, higher interest rates, excellent ...

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.

Are credit unions as good as banks? ›

Credit unions go beyond standard banking, offering lower fees on loans, higher dividend rates on accounts, and more personalized member benefits. Unlike for-profit banks focused on maximizing shareholder profits, credit unions are member-owned, non-profit financial institutions.

Is my money safe in a credit union bank? ›

Which is Safer, a Bank or a Credit Union? If you are banking at a federally insured institution, whether it is a credit union insured by the NCUA or a bank by the FDIC, your money is equally safe. Credit unions are owned by the members—your savings account at a credit union is a share of ownership.

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