MENU of SERVICES | the WPCU Difference
MENU OF SERVICES | The WPCU Difference
“Whenever you’re doing any kind of business, there are three things to consider: quality, service and price. At Wright-Patt Credit Union, you can see the difference. They’re easy to access - Mobile and Online Banking is very user friendly, and it’s good to have locations in different areas for convenience. You’re going to get the personalized service you need when you walk in.” – Ralph G., Member since 2008
Convenient Locations, Surprising Products, Personal Capital Money Market Savings Uncommon Service Accounts At Wright-Patt Credit Union (WPCU), we work hard to Combining the best money market account features, the provide our members with a better return on savings, Personal Capital Money Market Savings Account offers you lower loan rates and lower account fees. Our philosophy of a low minimum balance of only $100, competitive dividend putting people before profits is highlighted in the following rates based on multiple deposit tiers and the convenience products and services. of greater account access through withdrawal and check writing privileges. SAVINGS PRODUCTS Health Savings Accounts (HSAs) Credit union savings accounts are referred to and recorded If you have an HSA-qualified High Deductible Health Plan as “shares” because we are a financial cooperative, and (HDHP), opening an HSA with WPCU could be the right shares represent members’ ownership of the credit union. solution for your healthcare savings needs. You’ll be able to They are basic savings accounts for a variety of savings save for medical expenses while receiving our high rate of needs. return on your account. TrueSaver® Savings Accounts Your primary share account, or TrueSaver® savings account, CHECKING PRODUCTS gives you the opportunity to earn our very highest savings At WPCU, we love giving you a better checking deal. We rate – from your first penny saved – to help you better offer several different checking accounts tailored to meet reach your savings goal. the needs of our members’ unique lifestyles. Club Accounts Totally Fair Checking® A club account can help you budget for anticipated Totally Fair Checking® is the account that never surprises expenses while earning monthly dividends.* you with hidden fees or excessive penalties. In fact, there is *Some restrictions apply. no monthly service fee, no minimum balance requirements, unlimited check writing with no per check charges and no Share Certificates daily negative balance fee.* A share certificate is an investment vehicle that provides *Teller and other transaction fees vary by Member Choice level. Please reference the you a guaranteed rate of return. WPCU’s share certificates Member Choice information for details. are available at competitive rates with a minimum deposit CentsibleSpend® of $500 and your choice of terms from 6 to 72 months. Keep more of your hard-earned money instead of paying Individual Retirement Accounts (IRAs) out-of-pocket NSF fees with CentsibleSpend® – an Invest your retirement dollars in three different ways – alternative to a traditional checking account. Single Deposit, Add-On Variable or Add-On Fixed. All three This is a spending account that is entirely free of traditional are available as a Traditional or Roth IRA. paper checks. You can only spend what you have in your
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Save Better. Borrow Smarter. Learn A Lot! WPCU.coop | (800) 762-0047 | TTY: (800) 750-0750 or 711 account so you won’t overdraft.* No overdrafts means no expenses. The StretchPay loan is a short-term cash advance overdraft fees! Knowing that you can’t overdraft helps you available at a low annual fee and fixed annual percentage budget and spend wisely.** Let CentsibleSpend help make rate and is payable over a 60-day time period. sense of your spending so you can improve your financial †StretchPay® is a registered trademark of the Ohio Credit Union League. health and make it easier to manage your money. ReadyLine Line of Credit *While this account prevents you from overdrawing in most cases, there may still be times when your account could have a negative balance. This could happen if a Funds from this open-end loan are available as you need transaction is approved for one amount, but the actual charge is more than the amount of money in your account. For example, when you use your debit card for a meal at a them for overdraft protection on your checking account or restaurant and then add a tip. In this situation, the full payment may go through but as a cash advance. You can borrow up to your limit and pay the tip may result in a negative balance on your account, but we will not charge you an overdraft fee or a NSF fee. **WPCU will not charge overdraft fees. However, depending a fixed interest rate with no fees. on the circumstance, it is possible you could receive a third-party fee. Personal Loans Business Checking Use this traditional closed-end loan to borrow money for We know running your business isn’t a 9 to 5 job. That’s any reason: home improvements, vacation, school, etc. Pay why we offer the tools you need to access your accounts a fixed rate with no collateral required, only your signature. any time – day or night – from your home, office or on the go. Our checking accounts include a free ATM/debit card Share Secured Loans that gives you access to thousands of surcharge-free ATMs, Share secured loans are perfect for someone who needs plus access to our Mobile and Online Banking and Call-24. money but doesn’t want to dig into their savings. Borrowing Checking with Dividends against the funds currently on deposit in your share (savings), money market or share certificate accounts, this Our Checking with Dividends account pays dividends on loan offers low variable rates, low monthly payments and a your entire balance and you’ll earn higher dividend rates variety of terms up to 120 months. for higher balances. You’ll also receive unlimited check writing with no per check charges and no monthly service Vehicle Loans fee, as long as you maintain a minimum daily balance Several purchase plan options, including 100% financing of $1,000. and terms up to 72 months, are available for most new or EasySaver® Debit Card Round-Up Program late model vehicle loans. Use your WPCU debit card to save by signing up for our GAP Insurance EasySaver® debit card round-up program. WPCU will Offered at a low, one-time cost, Guaranteed Auto round-up each purchase you make with your debit card to Protection (GAP) helps to protect you in the event your the nearest whole dollar and deposit the difference into vehicle is totaled by collision or theft. GAP will pay off your WPCU EasySaver® account, plus match 5%.* the outstanding vehicle loan balance if you owe more *Enrollment in eStatements is required to receive match. Match will be paid on eligible than your insurance company gives you. funds in member’s EasySaver® account at quarter-end. Match is reportable on IRS Form 1099. The annual match limit is $300. Other reasonable restrictions may apply. Route 66 Extended Warranty LOAN PRODUCTS Even the most reliable vehicle can develop a mechanical problem. Through a trusted partnership Take advantage of our many loan programs to help you with Route 66 Extended Warranty, you’re protected finance bill consolidation, home improvement, college against major mechanical expenses. tuition and much more. Visa® Credit Cards First Mortgage Loans Whether you are purchasing or refinancing a home, we Credit cards are available with no annual fee, no cash offer a full line of residential first mortgage products. advance fee and no balance transfer fees. A First Time Choose from fixed rate, adjustable rate, construction to User/Student card option is also available to help establish permanent, jumbo and investment property loans. First credit.* mortgage loans are available with repayment terms of up *If you are under 21, you may need a co-signer age 21 years or older to apply. to 30 years. † StretchPay® Loans *Mortgage loans, with the exception of VA and FHA loans, are processed and underwritten by myCUmortgage, LLC. – a wholly-owned subsidiary of WPCU. A more economical choice than payday or check cashing lenders, a StretchPay® loan helps pay for your unexpected
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Save Better. Borrow Smarter. Learn A Lot! WPCU.coop | (800) 762-0047 | TTY: (800) 750-0750 or 711 Home Equity Loans through regular mail. Plus, those statements will be much more secure, since they won’t spend any time Borrow up to 100% of the equity in your home with no sitting in your mailbox. closing costs. These loans are available with fixed rates and repayment terms of up to 15 years. eAlerts Home Equity Line of Credit When you sign up for eAlerts, you can receive customized e-mail or text messages alerting you of These open-end loans allow you to borrow up to 100% of your account activity. You can choose to be notified the equity in your home, with continuing use of funds at about your account balance, checks clearing, share low rates over a 15-year draw period, followed by a 10-year certificates or club accounts maturing and more. You repayment period. This loan allows for unlimited draws can also use eAlerts for personal calendar reminders against your equity and interest-only payments during the like anniversaries and birthdays. draw period. eNotifications Small Business Loans Whether your small business needs a commercial real Extending the convenience of our eAlerts service, estate loan, business term loan or revolving line of credit, eNotices is a free service that automatically emails you WPCU can help with flexible terms, competitive rates and when something important happens with your account, personal service. like a transfer of funds from an overdraft source or Credit Life and Disability Insurance maturity of your share certificate. Low-cost insurance may be purchased to pay off your loan Call-24 balances in the event of death or to make loan payments in Check your account balances, transfer funds, request the event a disability causes a loss of your income. withdrawals mailed to you by check and much more over the phone. Use push button or voice recognition to access CONVENIENT PRODUCTS & your accounts 24 hours a day, 7 days a week. SERVICES ATM Card Your ATM card provides convenient access to your credit Direct Deposit union accounts through any STAR or STARsf ATM with the ® Direct deposit, payroll deduction, military allotment or any Plus logos.* recurring transfer from another financial institution (ACH) *ATMs subject to surcharges and/or Member Choice fees. saves you time and money. Allocations can be made to any ATM/Debit Card share (savings) or checking account and for loan payments. It works like a check and an ATM card, anywhere you see WPCU Digital Services the Visa® logo. WPCU’s free Mobile & Online Banking is one of the fastest, Mobile Banking most convenient ways to access your accounts, view balances, transfer funds, view transaction history and With WPCU’s Mobile Banking app, you can check your much more. With WPCU’s Digital Services, most of the account balance before making a purchase, transfer funds things you can do in a Member Center can be done around to cover a purchase or loan payment, avoid late fees by the clock at WPCU.coop or through the Mobile App. making payments to your WPCU loans or other bills, stay on top of your money with alerts about account activity, Bill Pay track spending to stay on budget by viewing up to 20 days Save money and time by using WPCU’s free online Bill of account history, locate WPCU Member Centers and more Pay service. You can set up your bills to be paid once ... all from your mobile device! or schedule recurring payments such as your rent or Visa® Gift Cards mortgage to be paid on a regular basis. Visa® gift cards are a gift that always fits! Available in any eStatements dollar amount from $10 to $1,000, Wright-Patt Visa gift cards can be used at any merchant that accepts Visa With WPCU eStatements, you’ll receive access to debit cards. your account statement days sooner than you would
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Save Better. Borrow Smarter. Learn A Lot! WPCU.coop | (800) 762-0047 | TTY: (800) 750-0750 or 711 Savings Bonds Safe Deposit Boxes You can redeem Savings Bonds at any of our convenient Various size safe deposit boxes are available at the Gantt, Member Centers. Xenia and Downtown Dayton Member Centers to secure your important documents and valuables. Money Orders When a personal check just won’t do, consider the safe, fast Notary Service and convenient alternative of a money order. WPCU offers As a benefit of membership, WPCU offers free notary money orders in amounts up to $1,000 that allow you to service at each of our Member Centers. Just call ahead to pay in confidence. verify notary availability, bring a valid photo ID and wait to sign the document until you are in the presence of the ADDITIONAL FINANCIAL notary public. SERVICES Retirement Solutions* We can help you meet your financial goals with alternative TruStage® Insurance for Life, Auto & Home investment options such as stocks and bonds, mutual You trust Wright-Patt Credit Union to make products and funds, tax-deferred investments, U.S. Government services available to help you do more with what you have. Securities and more, available through CUSO Financial That’s why we’ve joined with a dedicated team of insurance Services, L.P., our broker/dealer. professionals to bring you the TruStage® Insurance * The CFS* financial advisors and registered representatives on WPCU’s Retirement Solutions Team, available through CFS,* are here to sit down with you side-by-side Program. and help you make send of all the information available when trying to plan for your retirement. Non-deposit investment products and services are offered through CUSO Working with carefully selected insurance companies, these Financial Services, L.P. (“CFS”), a registered broker-dealer (Member FINRA/SIPC) and programs can provide discounted rates designed for our SEC Registered Investment Advisor. Products offered through CFS: are not NCUA/ members for auto, home and life insurance. If you haven’t NCUSIF or otherwise federally insured, are not guarantees or obligations of the credit union and may involve investment risk including possible loss of principal. Investment compared insurance rates lately, it’s a great time to take Representatives are registered through CFS. The credit union has contracted with CFS to a look. make non-deposit investment products and services available to credit union members. AD&D Insurance Financial Counseling with GreenPath Financial As a WPCU member age 18 or older you can help protect Wellness your family’s financial future with Accidental Death and GreenPath, Inc. provides WPCU members a free financial Dismemberment (AD&D) Insurance underwritten by solutions service which includes professional, confidential Minnesota Life Insurance Company. In addition to the and money management information resources and $1,000.00 Credit Union Paid coverage, you can purchase counseling services. Additional Coverage at group rates. • You are pre-authorized for Additional Coverage up to $300,000 • Your acceptance is guaranteed - No Medical Exams or Health Questions • Benefits are paid to your beneficiary if you die from a covered accident You cannot be turned down for the Credit Union Paid Coverage — or any additional coverage you may select. All coverage reduces by 50% at age 70 and older, regardless of age at enrollment. Remember, the $1,000.00 coverage is at no cost to you. It’s complimentary of WPCU. [Robert Dudacek, Licensed Insurance Agent #972576-TN]
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Save Better. Borrow Smarter. Learn A Lot! WPCU.coop | (800) 762-0047 | TTY: (800) 750-0750 or 711