Wright-Patt Credit Union Dayton OH | Low Mortgage Rates & Business Banking

Introduction

At Wright-patt Credit Union, Inc., we believe in building strong financial futures for our members and the community. Since our establishment in 1932, we have grown to serve over 520,736 members with a deep commitment to providing exceptional financial services right here in Dayton, OH. Our branch located at 4512 Brandt Pike, Dayton, OH 45424, is your local hub for all things banking, from personal loans to business banking solutions. With total assets exceeding $8.8 billion and total deposits of $570,995,952, we are proud to offer a safe and reliable place for your money. Our dedicated team, led by CEO Timothy Mislansky and Board President Joseph Linsenmeyer, is committed to ensuring you have access to the best financial products tailored to your needs. We understand that each member's journey is unique, which is why we provide personalized services including auto loans, mortgages, and credit card options that come with rewards. Our commitment goes beyond numbers; it's about making a positive impact in our community. With a net worth of $959,289,927 and cash reserves of $101,272,237, we are well-positioned to support our members through thick and thin. Whether you're looking for simple transactions or more complex financial services, our branch offers a friendly atmosphere where you can feel secure. While members can visit us at 4512 Brandt Pike, official correspondence should be sent to the same address. We invite you to reach out by phone at 800-762-0047 or explore our website at wpcu.coop for more information on how we can assist you today. Experience the difference with Wright-patt Credit Union where your financial goals become our mission!

Branch History & Mission

At Wright-patt Credit Union, Inc., we take pride in our rich history and unwavering commitment to the community of Dayton, OH. Established in 1932, our branch has grown alongside its members, fostering a sense of trust and support that is now part of our core values. Over the years, we have expanded our services and membership base, currently serving over 520,000 individuals with total assets amounting to an impressive $8.8 billion. Located at 4512 Brandt Pike, our branch is easily accessible for all members. We are nestled in a vibrant area of Dayton, close to local landmarks that many residents recognize. For any official correspondence, please note that our mailing address remains the same: 4512 Brandt Pike, Dayton, OH 45424. Our mission goes beyond providing financial services; it's about empowering our members and uplifting our community. We strive to offer personalized banking solutions that cater to various needs be it personal checking accounts, auto loans, mortgage refinancing, or business banking services. Our goal is to ensure every member feels valued and supported on their financial journey. As we evolved with the times, we've embraced digital advancements while ensuring ADA compliance for accessibility. Our user-friendly online and mobile banking platforms make managing finances simple and convenient. Additionally, we offer an ATM on-site for easy cash access and have a drive-thru service for quick transactions. Wright-patt Credit Union believes in giving back. We actively engage in community outreach efforts and partnerships that help strengthen local initiatives. Our commitment to service extends beyond transactions; it's about building relationships and fostering growth within Dayton. We invite you to join us at Wright-patt Credit Union, Inc., where your financial well-being is our priority. Experience firsthand how we can support your financial goals and contribute positively to your life. To learn more about becoming a member or opening an account, visit us online at wpcu.coop or give us a call at 800-762-0047 today!

Branch Location & Accessibility

Convenient Access

Our branch is designed with your convenience in mind. Enjoy ample parking space, making it easy to visit us. Plus, we ensure that our facilities are ADA-compliant, so everyone can access our services comfortably. If you prefer banking from your vehicle, take advantage of our drive-thru service, where you can complete transactions without leaving your car!

Operating Hours

We understand that your time is valuable. That's why our lobby hours are designed to fit your busy schedule. We're open Monday through Friday from 9 AM to 6 PM and Saturday from 9 AM to 1 PM. For those needing to use our drive-thru, we're here until 2 PM on Saturdays, providing flexibility for all your banking needs.

Reach Out Anytime

Have questions or need assistance? Don't hesitate to call us at 800-762-0047. Our friendly team is always ready to help! We invite you to come by and see how we can assist you with your financial journey. Discover the difference of personalized service at Wright-patt Credit Union today!

Services Offered

At Wright-patt Credit Union, we offer a range of services tailored to meet the diverse needs of our members. From checking and savings accounts to auto loans and mortgage refinancing, we have solutions for every financial goal. Need cash? Our ATM is available for quick access to funds whenever you need them. We also participate in shared services, allowing members from partner credit unions to easily perform basic transactions right here at our branch. While members can visit us at 4512 Brandt Pike, official correspondence should be sent to the same address for consistency.

Member Eligibility

At Wright-patt Credit Union, Inc., we believe that everyone deserves a chance to join our welcoming community. Becoming a member is easy and opens the door to a world of financial opportunities designed with you in mind. If you live, work, worship, or attend school in Montgomery County, or if you are related to an existing member, you're likely eligible to join us! This means that your family members can also enjoy the benefits of membership alongside you. For more detailed eligibility information, feel free to visit our website at https://www.wpcu.coop/become-a-member. Once you're ready to take the next step, opening an account is just a click away! You can start the process online by visiting this link. If you have any questions or need assistance along the way, don't hesitate to reach out to us at 800-762-0047. Join us at 4512 Brandt Pike, Dayton, OH 45424 and discover how being part of Wright-patt Credit Union can enhance your financial journey!

Business Banking & Commercial Services

Commercial Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $1,816 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $19 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $855,072,309, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services That Matter

In today's fast-paced world, having reliable merchant services can make all the difference. Imagine easily accepting payments from customers through various channels, whether in-store or online. Our merchant services help you streamline transactions, manage cash flow, and enhance customer satisfaction all vital components for any thriving business. Explore how Wright-patt Credit Union, Inc., located at 4512 Brandt Pike Dayton Oh 45424, Dayton, OH, can empower your business journey. Let us be your partner in success!

Comprehensive List Of Services

Additional Services

We also offer basic shared branch transactions for members of partner credit unions, ensuring that even when you're away from home, you can still manage your finances without hassle. Our friendly team at Wright-patt Credit Union, Inc., located at 4512 Brandt Pike Dayton Oh 45424, is always ready to assist you with any questions or concerns you might have. You can reach us at (800) 762-0047 during our operating hours: Monday through Friday from 9 AM to 6 PM and Saturday from 9 AM to 1 PM (with drive-thru open until 2 PM). We invite you to explore all the ways we can serve you better! Whether you're looking for personal banking solutions or business support, Wright-patt Credit Union, Inc. is committed to helping you achieve your financial goals. Visit us today or check out our website at Brandt Pike for more information!

Business Banking Services

If you're a business owner, our business banking services are here to support you. From merchant services that simplify payment processing to business loans that help you grow your company, we have the tools necessary for success.

Convenient Digital Banking

In today's fast-paced world, access to your finances should be at your fingertips. With our online and mobile banking platforms, you can manage your accounts anytime, anywhere. Need to check your balance? Pay bills? Transfer money? It's all just a few clicks away! Plus, with features like ATM services for cash withdrawals and basic drive-thru banking for deposits and withdrawals, accessing your funds has never been easier.

Credit Cards and Rewards

In addition to these services, we offer credit cards with rewards that let you earn points on everyday purchases. This means you can enjoy benefits while managing your spending effectively.

Personal Banking Solutions

We understand that managing your personal finances can sometimes feel overwhelming. That's why our personal banking services are designed with you in mind. You can open checking and savings accounts that fit your lifestyle, helping you save for those important milestones. If you're thinking about buying a new vehicle, our auto loans and vehicle financing options provide affordable solutions tailored to your budget. For those considering homeownership or refinancing, our mortgage loans offer competitive rates and flexible terms to suit your needs. We also provide personal loans and debt consolidation options, making it easier for you to handle unexpected expenses or streamline your debts.

Digital & Online Banking

Accessible Online Banking

With our 24/7 online banking services available at https://www.wpcu.coop/, you can access your accounts anytime, anywhere. Whether you're checking your balance, transferring funds, or paying bills, our user-friendly platform allows you to manage your money with just a few clicks.

Convenient Features for Modern Banking

Our online banking includes features like electronic statements, which make it simple to keep track of your transactions without the clutter of paper. Plus, with electronic signature authorization available, you can sign documents securely from the comfort of your home. Say goodbye to paperwork and hello to convenience!

Mobile Banking on the Go

For those who prefer banking on their mobile devices, we offer a dedicated mobile application. This app not only lets you check balances and view statements but also supports mobile payments making transactions quicker and easier than ever. Additionally, our person-to-person transfer feature allows you to send money directly to friends or family with just a few taps on your screen. At Wright-patt Credit Union, Inc., we prioritize both security and ease-of-use in all our digital offerings. You can rest easy knowing that your personal information is protected while enjoying real-time account management. With every feature designed with you in mind, managing your finances has never been more straightforward. Experience the freedom of banking wherever you are with Wright-patt Credit Union, Inc.!

Financial Strength

Growing Member Trust

We are delighted to report that we have a strong base of trust among our members, as shown by our total share accounts of 1,173,411. This indicates that many people rely on us for their financial needs. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Wright-patt Credit Union, Inc. is your trusted partner. Visit us at 4512 Brandt Pike Dayton Oh 45424 or call (800) 762-0047 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings Options

Members' savings are secured through $1,727,077,589 in share certificates and $2,815,749,127 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $54,602,000, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our $19,642,187 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 1,331 full-time employees and 63 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Reinvestment in Member Services

With $893,226,827 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our ability to provide tailored lending solutions is backed by our capacity with $112,428 in used auto loans and $6,476,381,636 in total loans and leases.

Solid Financial Foundation

With a net worth of $959,289,927, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 10.86% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Additional Offerings

In addition to these primary loan options, we also provide credit lines totaling $1,389,320,539. These lines of credit can help with cash flow needs or unexpected expenses as they arise. If you're considering refinancing any existing loans or want to know more about eligibility options for our various products, don't hesitate to reach out. We believe that everyone should have access to reliable financial services tailored to their circumstances. For more information about our loan offerings or assistance with the application process, please call us at 800-762-0047 during our operating hours: Monday through Friday from 9 AM - 6 PM and Saturday from 9 AM - 1 PM (drive-thru open until 2 PM). Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Explore how Wright-patt Credit Union can help you take control of your finances today!

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $1,754,752,024 in used vehicle loans and $590,878,568 in new vehicle loans already helping members get on the road. Whether you're interested in financing a brand-new model or a reliable used option, we provide competitive rates and flexible terms to suit your budget.

Business Loans

For business owners, our outstanding commercial loans totaling $855,072,309 provide the capital needed to grow and expand. We understand that every business is different; therefore, our loan specialists are here to help tailor solutions that meet your specific operational needs.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Properties loans totaling $512,008,680. Our mortgage products are designed to be straightforward and accessible, ensuring you have the support you need throughout the process.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $270,394,753 in loans helping members manage their finances effectively. This can be an excellent option for those looking to consolidate debt or cover unexpected expenses without tying up assets.

Loan Aggregator

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WRIGHT PATT CREDIT UNION, INC. CREDIT UNION - Dayton, OH

Type of Loan Offerings

Home Equity Loans

Personal Loans

Vehicle Loans

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