Wright-Patt Credit Union Xenia OH | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Wright-Patt Credit Union, Inc., your trusted financial partner located at 1636 W Park Sq, Xenia, OH 45385. Since our establishment in 1932, we have been dedicated to serving our community with integrity and a commitment to your financial well-being. With a robust membership of over 520,736, we pride ourselves on being more than just a credit union; we are a community-driven institution focused on helping you achieve your financial goals. At Wright-Patt Credit Union, we understand the importance of reliable banking services. That's why our total assets exceed $8.8 billion, and our members benefit from competitive rates on loans and deposits, with total deposits reaching $570,995,952. Whether you're looking for an auto loan, mortgage, or personal loan, our diverse offerings cater to all your needs, supported by a solid foundation of over $959 million in net worth. Our team is led by CEO Timothy Mislansky and Board President Joseph Linsenmeyer, who are committed to ensuring that each member receives personalized service tailored to their unique financial situation. We employ around 1,394 dedicated professionals who are always ready to assist you. While you can visit us at our branch for all your banking needs, please note that official correspondence should be sent to our mailing address: 1636 West Park Square, Xenia, OH 45385-2669. We invite you to explore all that Wright-Patt Credit Union has to offer. From online banking solutions to mobile payments and ATM access, we're here for you every step of the way. Feel free to reach out at 800-762-0047 or visit us online at www.wpcu.coop for more information. Join us today and experience the difference of banking with a credit union that truly cares about its members!

Branch History & Mission

Welcome to the story of Wright-patt Credit Union, Inc., a proud institution that has been serving the community of Xenia, OH since 1932. Over the decades, we have grown from a small financial cooperative into a significant player in the financial landscape, boasting over 520,736 members and total assets of $8,816,874,903. Our journey is marked by a steadfast commitment to our members and the communities we serve. Located at 1636 W Park Square, our branch is easily accessible for all residents in Xenia and nearby areas. Whether you are visiting us for personal banking needs or seeking advice on loans and savings, our friendly staff is ready to assist you. While members can visit us at this address, official correspondence should be sent to 1636 West Park Square, Xenia, OH 45385-2669. At Wright-patt Credit Union, our mission is clear: We aim to empower our members by providing exceptional financial services while actively supporting community growth. We believe that when our members succeed, our community thrives. This philosophy drives us to offer a range of services from checking and savings accounts to auto loans and mortgage options tailored to meet individual needs. Our operating hours reflect our dedication to serving you better: Monday through Friday from 9:00 AM to 6:00 PM, with Saturday hours from 9:00 AM to 1:00 PM (Drive-thru open until 2:00 PM). We also provide convenient ATM access and drive-thru banking for quick transactions. As technology advances, so do we. Our digital platforms allow members to manage their finances effortlessly with online banking and mobile payment options. We take pride in being ADA compliant and ensuring that all members can access our services comfortably. Community outreach is at the heart of what we do. We actively engage in partnerships that uplift local initiatives and provide educational resources on financial literacy. By investing in our community's future, we believe we can create a stronger bond with those we serve. Join us at Wright-patt Credit Union and discover how we can help you achieve your financial goals while being part of something greater. Together, let's build a brighter future for Xenia! For more information or to become a member today, please visit our website or call us at 800-762-0047. Your journey towards financial empowerment starts here!

Branch Location & Accessibility

Connect With Us

If you have any questions or would like more information about our services, don't hesitate to give us a call at (800) 762-0047. We look forward to welcoming you into our branch and helping you with all your financial needs. Come visit us today at Wright-patt Credit Union, Inc.!

Easy Access and Parking

At our Xenia branch, we prioritize accessibility for all members. You'll find ample parking available right outside our doors, along with ADA-compliant features to ensure everyone can easily access our services. If you prefer to bank from your vehicle, we also offer drive-thru banking for quick and easy transactions.

Operating Hours that Fit Your Schedule

We understand that life can get busy, so we've designed our operating hours to accommodate your needs. Our lobby is open Monday through Friday from 9:00 AM to 6:00 PM, and on Saturdays, we welcome you from 9:00 AM to 1:00 PM. Need to use the drive-thru? It's open during the same hours on weekdays and until 2:00 PM on Saturdays!

Services Tailored for You

Whether you're looking for personal banking options like checking and savings accounts or need assistance with auto loans, mortgages, or credit cards, we've got you covered. Our dedicated team is here to help with a variety of services including online and mobile banking, ATM access, and shared branch transactions. While members can visit us at 1636 W Park Sq Xenia Oh 45385, official correspondence should be sent to 1636 West Park Square, Xenia, OH 45385-2669.

Member Eligibility

Joining the family at Wright-patt Credit Union, Inc. is a simple and rewarding experience, where you become part of a community that genuinely cares about your financial well-being. To qualify for membership, you need to be an individual who lives, works, worships, or attends school in specific areas we serve. This means if you're in our local community, you're likely eligible! Plus, once you're a member, you'll gain access to a range of benefits like lower loan rates and personalized service that can make managing your finances easier and more enjoyable. For a detailed look at the eligibility criteria, feel free to check out our website at https://www.wpcu.coop/become-a-member. Opening an account with us is just as straightforward. You can start the process online by visiting https://app.loanspq.com/apply.aspx?lenderref=wpcu051619&list=xacbst, or simply give us a call at (800) 762-0047 if you have any questions. Our friendly staff is here to help guide you every step of the way. We can't wait to welcome you to Wright-patt Credit Union, Inc., located conveniently at 1636 W Park Sq Xenia Oh 45385!

Business Banking & Commercial Services

Merchant Services That Make a Difference

Imagine streamlining your transactions and improving customer satisfaction with our merchant services. From credit card processing to point-of-sale systems, we provide the tools you need to run your business efficiently. Our services not only simplify payments but also enhance your cash flow management allowing you more time to focus on what you do best: running your business. Located at 1636 W Park Sq, Xenia, OH 45385, we invite you to discover how Wright-patt Credit Union can partner with you for success. Reach out today at 800-762-0047 to learn more about our offerings!

Tailored Business Loans

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.

Comprehensive List Of Services

Credit Cards and Business Banking

Don't forget about our credit cards with rewards, which allow you to earn points on everyday purchases. Picture yourself earning rewards just for shopping as usual it's a win-win! For our business members, we offer comprehensive business banking services, including merchant services and business loans. We know running a business comes with its own set of challenges; thus, our dedicated team is ready to support you with tailored solutions that foster growth and efficiency.

Digital Banking Features

In today's fast-paced world, convenience is key. That's why our online and mobile banking platforms make managing your finances easier than ever. Access your accounts anytime, anywhere whether it's paying bills or transferring funds it's all at your fingertips. Additionally, if you're out and about in Xenia, take advantage of our ATM services for quick cash withdrawals or balance checks without any hassle. Plus, enjoy the convenience of our drive-thru banking, which allows you to handle basic transactions like deposits and withdrawals without leaving your car.

Personal Banking

Starting with personal banking, we offer checking and savings accounts designed to fit different lifestyles. Imagine having an account that helps you manage your expenses while also growing your savings effortlessly. Our team is here to assist you in choosing the best account tailored to your financial goals. When it comes to purchasing a vehicle, our auto loans and vehicle financing options ensure that you can drive away in the car of your dreams without breaking the bank. We understand that buying a car is a significant investment, and that's why we strive to offer competitive rates and flexible terms that work for you. If homeownership is on your mind, look no further than our mortgage loans and refinancing services. We know that every home is unique, which is why we provide personalized support throughout the mortgage process. Whether you're buying your first home or looking to refinance an existing loan, we're here to guide you every step of the way. For those unexpected expenses or consolidating debt, our personal loans can provide the financial relief you need. With straightforward terms and quick processing times, we can help lighten your financial load so you can focus on what matters most.

Shared Services

As part of our commitment to accessibility, we also provide basic shared branch transactions for partner credit union members. This means if you're visiting from another credit union, we can still assist you with deposits and withdrawals. To learn more about how Wright-patt Credit Union can meet your financial needs or if you're ready to open an account today, give us a call at 800-762-0047 or visit us at 1636 W Park Sq Xenia OH 45385. Your financial journey starts here!

Digital & Online Banking

At Wright-patt Credit Union, Inc., we understand that managing your finances should be as easy and secure as possible. That's why we offer a range of digital and online banking services designed to fit your busy lifestyle, ensuring you can bank whenever and wherever you need to. With our 24/7 online banking services, available at https://www.wpcu.coop/, you have real-time access to your accounts. Whether you're checking your balance, paying bills, or transferring funds, everything you need is just a click away. Plus, with e-statements, you can go paperless and keep track of your financial activity without cluttering your mailbox. Security is a top priority for us. Our online banking platform includes features like electronic signature authorization, ensuring that your transactions are safe and reliable. You can also enjoy the convenience of mobile payments through our user-friendly mobile application, which allows you to make purchases directly from your phone with ease. Need to send money to a friend? Our person-to-person transfers feature makes it simple to send or receive funds in just a few taps. And if you prefer the traditional way of managing finances, our mobile app supports all your banking needs right in the palm of your hand. Overall, our digital banking services at Wright-patt Credit Union, Inc. are designed to give you flexibility and peace of mind. Experience how easy banking can be by visiting us online today!

Financial Strength

Commitment to Growth

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 lending capacity supports your financial goals with $112,428 in used auto loans and $6,476,381,636 in total loans and leases.

Operational Efficiency

Our robust financial structure is reflected in our $19,642,187 which showcases our operational efficiency. This enables 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.

Secure 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.

Strong 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.

Trusted by Many

Total Share Accounts: 1,173,411, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $95,066,914. 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 1636 W Park Sq Xenia Oh 45385 or call (800) 762-0047 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Loan Offering

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 vehicle, we have options that can fit your budget and lifestyle.

Business Financing

For business owners, our outstanding commercial loans totaling $855,072,309 provide the capital needed to grow and expand your ventures. We understand the unique challenges businesses face and tailor our services to meet those specific needs. If you're interested in refinancing any of these loans or want to know more about eligibility options, don't hesitate to reach out. You can contact us at 800-762-0047 for more details or visit us at 1636 W Park Sq Xenia OH 45385. 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 our loan products can empower you to take control of your financial future today!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $512,008,680, make buying or refinancing simple. We offer competitive rates and flexible terms to ensure you find the right fit for your home financing needs.

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. Our credit cards come with rewards and benefits that can enhance your purchasing power while keeping your budget in check.

Loan Aggregator

Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency in every comparison. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results that you can trust. - Real-Time Rate Comparisons: Up-to-date loan rates from multiple institutions help users make informed decisions quickly. Thousands of users trust LendMesh for their loan comparisons. One member shared, "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This type of feedback highlights how effective and reliable the platform is for borrowers looking to save money. If you're ready to take the next step in finding the best loan rates for your needs, compare real-time loan offers today at LendMesh. *Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.*

How LendMesh Ensures Accurate Loan Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov). This strict adherence to NCUA guidelines ensures that users receive fair and transparent offers.

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

Type of Loan Offerings

Home Equity Loans

Personal Loans

Vehicle Loans

Compare Loan Rates Near You

Loan rates in Xenia, OH (45385)