Vision Statement. Mission Statement. Welcome! Welcome to Wright-Patt Credit Union. The Credit Union Difference. You Deserve Our Very Best

WELCOME

Welcome!

You Deserve Our Very Best

“I normally did business with an area bank, and I never felt that personal ‘take care of you’ feeling with them. I still believe in the whole personal experience, and Wright-Patt has been great. Everyone has been very personable, very helpful. I feel like Wright-Patt takes

Amy E.

care of me.”

Member since 2007

Welcome to Wright-Patt Credit Union

Surprising Products and Unexpected Service

As not-for-profit, member-owned financial cooperatives, credit unions have the unique ability to make a difference for you and your family! We make sure your relationship is a satisfying one by providing service above and beyond what you have come to expect from a financial institution. No one will work harder to earn your trust and confidence. Wright-Patt Credit Union is committed to helping you and your family through life. We do not simply offer checking accounts, mortgages, car loans, and IRAs. We do something much more fundamental: we help you and your family live happier, more financially secure lives, no matter what important stage of life you’re in.

The Credit Union Difference

Is a credit union like a bank? Yes and no. As a member of a credit union, you have access to most of the same consumer services a bank offers – savings, checking, loans, credit cards, IRAs, financial planning, ATMs and more. Your funds are also federally insured and your day-to-day transactions work much like they would through a bank. But the accounts and services we offer are simply the tools we use to help make you happier, more secure, and more productive than if you had chosen another financial institution.

Vision Statement Our vision is to be the best

organization our member-owners have ever experienced and the best place our partner-employees have ever worked.

Mission Statement Our mission is to help people through life.

And there is a bigger difference. A credit union’s earnings don’t go to stockholders. They come to you – in the form of higher dividends on your shares (savings) and lower interest rates on your loans. That’s the credit union difference. The first credit union in the United States was established in 1909 in New Hampshire. Today, Wright-Patt Credit Union is one of over 7,600 federally insured credit unions in the United States. The combined membership of these credit unions totals more than 91 million members and it continues to grow. The quality of service members receive from their credit unions is a key factor for continued growth. As the credit union movement’s motto declares, “not for profit, not for charity, but for service.”

Federally Insured by NCUA

937.912.7000 • www.WPCU.coop

WELCOME

You Deserve Our Very Best

Credit Union Choice

A credit union is a not-for-profit financial cooperative, owned and operated by its members for the benefit of all who belong. Credit unions were established to encourage financial responsibility among a group of people who have something in common, such as the same employer. They are designed to promote thrift through convenient, systematic savings and to provide a quick, economical source of credit. Every member of a credit union is a “major shareholder.” By having the opportunity to vote in the election of the Board of Directors, eligible credit union members have a voice in major issues affecting the credit union. All elected officials (other than employees) serve voluntarily and without pay, including the Board of Directors.

So you are not a customer – you are one of the owners.

Credit Union Advantages

Wright-Patt Credit Union is operated for your benefit, not for someone else’s profit. All members share the rewards of its strength and success in the form of affordable rates on loans; great returns on your savings; excellent growth of the money you have invested for the future; special programs to help you manage your finances; and low or no fees for all services and products. We are also committed to providing you with the surprising products and unexpected level of service you deserve. We understand how hard you have worked to earn your money. We understand the dreams you have for yourself and your family, and also understand that everyone needs help at some time. Your credit union isn’t just there for you – we are you. And we are thousands of other people with goals, dreams and financial needs, just like you.

That’s the credit union difference.

About Wright-Patt Credit Union

The organization that is now Wright-Patt Credit Union was founded in 1932. It was during the national economic depression of the early 1930s that federal employees at Wright Field (now Wright-Patterson Air Force Base) recognized the need for an “every person” financial institution. Since that time, we’ve become Ohio’s largest member-owned credit union and one of the largest nationwide. Today, Wright-Patt serves thousands of members from numerous employer and community groups and associations. While we take a conservative, responsible approach to handling our members’ money, Wright-Patt has a progressive attitude toward products and services. We are continually adding and expanding our products to meet our members’ needs and looking for opportunities to provide our members better deals on their financial services. We maintain state-of-the-art data processing systems to handle the growing volume of financial products and services our members use. We also provide ongoing training programs to increase staff and management capabilities and to enhance service to our members.

Wright-Patt’s Financial Services Savings Accounts to Help Your Money Grow

Your Wright-Patt Credit Union savings are recorded as “shares.” Because we are a financial cooperative, your shares represent your part-ownership of Wright-Patt Credit Union. At Wright-Patt, your TrueSaver share account will earn dividends – in much the same way a bank savings account earns interest – from the first penny saved. But at Wright-Patt, the dividend rate increases with higher average daily balances. So, the more money you save, the more you earn!

937.912.7000 • www.WPCU.coop

WELCOME

You Deserve Our Very Best

Share Insurance to Protect Your Hard Earned Money

All Wright-Patt shares (including savings accounts, checking accounts, money market accounts, share certificates, and club accounts) are federally insured up to a total of $250,000 per ownership interest by the National Credit Union Administration (NCUA). The NCUA is an agency of the federal government, similar to the Federal Deposit Insurance Corporation (FDIC). The NCUA insures an additional $250,000 per ownership interest on Individual Retirement Accounts.

Financial Planning to Help Secure Your Future

Through a partnership with our broker/dealer, CUSO Financial Services, L.P. (CFS), Wright-Patt provides members full-service personal financial advice and a diverse mix of products to meet virtually any investor’s needs. Services and products include retirement and investment planning, professional investment advice on mutual funds, annuities and other non-insured investments, life and health insurance, discount brokerage service, and much more. Our CFS representatives can assist members in planning and investing for their financial future. * Non-deposit investment products and services are offered through CUSO Financial Services, L.P. (“CFS”), a registered broker-dealer and SEC Registered Investment Advisor. Products offered through CFS: are not NCUA/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 Representatives are registered through CFS. Wright-Patt Credit Union has contracted with CFS to make non-deposit investment products and services available to credit union members. (Member FINRA/SIPC)

Affordable Loans for the Things You Need

Low-cost loans are available to all members of Wright-Patt Credit Union with approved credit. Your credit union isn’t in business to make a profit for anyone except its members, so the interest charged for loans is the minimum needed to pay for the organization’s expenses, member services and required reserves. In most cases, you’ll find our loan rates and payment terms are easier on your budget than those required by a bank. In addition to auto and personal loans, we offer several mortgage programs to help make your dream home a reality. Wright-Patt Credit Union is also here to help you evaluate and prepare your finances before you purchase your home. Mortgage loans processed and underwritten by myCUmortgage, LLC. — a wholly-owned subsidiary of Wright-Patt Credit Union, Inc. All loans subject to credit approval and property appraisal.

Easy Ways to Manage Your Money

At Wright-Patt, we understand what you’re looking for in a checking account. You want it to be simple and easy to use, with no hidden fees and charges. Our checking accounts offer all of the convenience and services you need to manage your daily finances. In fact, our Totally Fair Checking is the account that never surprises you with hidden fees or excessive penalties if you accidentally overdraw your account. And all of our checking accounts receive unlimited check writing privileges with no per-check fees.

Convenient Services to Simplify Your Life

With our wide range of financial services, Wright-Patt Credit Union members enjoy convenience, flexibility, and savings. Services like our online loan application, free Online Banking system, Mobile Banking, eStatements, online Bill Pay service, and Call-24™ allow members to access their accounts or apply for loans 24 hours a day, 7 days a week in the comfort and convenience of their home or office. Direct Deposit and ATM/Debit card access are among the other services offered by Wright-Patt for added value to our members.

937.912.7000 • www.WPCU.coop

WELCOME

You Deserve Our Very Best

Who Can Join Wright-Patt Credit Union?

Wright-Patt Credit Union serves:

• Individuals who live, work, worship, or attend school in Butler, Champaign, Clark, Clinton, Franklin, Greene, Hamilton, Miami, Montgomery, and Warren Counties in Ohio. • Military and civilian employees of Wright-Patterson Air Force Base. • Military personnel residing in a 14-county area adjacent to the Fairborn area who do not have a credit union available.

• Retired United States Government military and civilian personnel.

• Other government employees residing near WPAFB who do not have credit union facilities at their places of employment.

• Wright State University students, faculty, staff, and Alumni Association members.

• Select groups made up of people associated through employment, geographic location, or other organizational affiliation.

• Spouses, children, and certain other relatives of those eligible for WPCU membership.

Wright-Patt Credit Union membership may be available to additional community and employer groups. Call us at (937) 912-7000 or (800) 762-0047 for the latest information on membership eligibility, or ask your employer if your company is a Wright-Patt Credit Union Select Group.

We Love Giving You Better Deals

If you are looking for a better deal on your financial services and you are eligible for membership, simply visit one of our convenient Member Centers, fill out a new member application and open a share (savings) account with a minimum opening balance of $5. You’ll enjoy the better deals available from Wright-Patt Credit Union.

Save Better • Borrow Smarter • Learn a Lot!

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937.912.7000 • www.WPCU.coop

MENU OF SERVICES

Menu of Services

Convenient Locations, Surprising Products, Uncommon Service “Whenever you’re doing any kind of business, there are three things to consider: quality, service, and price. At Wright-Patt, you can see the difference. They’re easy to access - the online banking system 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

At Wright-Patt Credit Union, we work hard to provide our members with a better return on savings, lower loan rates, and lower account fees. Our philosophy of putting people before profits should be evident in the following list of products and services.

Savings Products

Credit union savings accounts are referred to and recorded as “shares” because we are a financial cooperative, and shares represent members’ ownership of the credit union. They are basic savings accounts for a variety of savings needs.

TrueSaver® Savings Accounts

Your primary share account, or TrueSaver® savings account, gives you the opportunity to earn our very highest savings rate – from your first penny saved – to help you better reach your savings goal.

Club Accounts

A Club Account can help you budget for anticipated expenses while earning monthly dividends.* *Some restrictions apply.

Share Certificates

A Share Certificate is an investment vehicle that provides you a guaranteed rate of return. Wright-Patt’s Share Certificates are available at competitive rates with a minimum deposit of $500 and your choice of terms from 6 to 72 months.

Personal Capital Money Market Savings Accounts Combining the best money market account features, the Personal Capital Money Market Savings Account offers you a low minimum balance of only $100, competitive dividend rates based on three deposit tiers, and the convenience of greater account access through withdrawal and check writing privileges.

Health Savings Accounts (HSAs)

If you have an HSA-qualified High Deductible Health Plan (HDHP), opening an HSA with Wright-Patt Credit Union could be the right solution for your healthcare savings needs. You’ll be able to save for medical expenses while receiving our high rate of return on your account.

Checking Products

At Wright-Patt, we love giving you a better checking deal. We offer three different checking account products tailored to meet the needs of our members’ unique lifestyles.

Totally Fair Checking®

Totally Fair Checking® is the account that never surprises you with hidden fees or excessive penalties. In fact, there is no monthly service fee, no minimum balance requirements, unlimited check writing with no per check charges, and no daily negative balance fee.* *Teller and other transaction fees vary by Member Choice level. Please reference the Member Choice information for details.

Individual Retirement Accounts (IRAs)

Invest your retirement dollars in three different ways – Single Deposit, Add-On Variable, or AddOn Fixed. All three are available as a Traditional or Roth IRA.

937.912.7000 • www.wpcu.coop Federally Insured by NCUA

MENU OF SERVICES

Convenient Locations, Surprising Products, Uncommon Service

Checking with Dividends

If you maintain a $1,000 average daily balance, our Checking with Dividends account pays dividends on your entire balance. You’ll earn higher dividend rates for higher balances. You’ll also receive unlimited check writing with no per check charges and no monthly service fee, as long as you maintain a minimum daily balance of $1,000.

Select Checking

Select Checking offers you numerous extras all in one complete package. You’ll receive benefits including free personalized checks, unlimited check writing with no per check charges, dividends paid on balances of $1,000 or more, valuable travel savings, credit and ATM/ Debit Card protection, and more.

EasySaver® Debit Card Round-Up Program

Use your ATM/Debit Card – available with any checking account – to save by signing up for our EasySaver® debit card round-up program. Wright-Patt will round-up each purchase you make with your debit card to the nearest whole dollar and deposit the difference into your WrightPatt EasySaver® account, plus match 5%.* *Enrollment in eStatements is required to receive match. Match will be paid on eligible 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.

Loan Products

Take advantage of our many loan programs to help you finance bill consolidation, home improvement, college tuition, and much more.

Visa® Credit Cards

Credit cards are available with no annual fee, no cash advance fee, and no balance transfer fees. A First Time User/Student card option is also available to help establish credit.* *If you are under 21, you will need a co-signer age 21 years or older to apply.

StretchPay® Loans

A more economical choice than payday or check cashing lenders, StretchPay® helps pay for your unexpected expenses. StretchPay® is a short-term cash advance available at a low annual fee and fixed annual percentage rate, and is payable over a 30- or 60-day time period.

ReadyLine Line of Credit

Funds from this open-end loan are available as you need them for overdraft protection on your checking account or as a cash advance. You can borrow up to your limit and pay a fixed interest rate with no fees.

Personal Loans

Use this traditional closed-end loan to borrow money for any reason: home improvements, vacation, school, etc. Pay a fixed rate with no collateral required, only your signature.

Share Secured Loans

Share secured loans are perfect for someone who needs money, but doesn’t want to dig into their savings. Borrowing against the funds currently on deposit in your share (savings), money market, or share certificate accounts, this loan offers low variable rates, low monthly payments, and a variety of terms up to 120 months.

Vehicle Loans

Several purchase plan options including 100% financing and terms up to 72 months are available for most new or late model vehicle loans. You can qualify for rate discounts by purchasing a fuel-conscious vehicle or electing to make automatic payments. Auto Buying Service Our experienced auto buying staff can help you find a great price on your new vehicle purchase through one of our preferred dealers. Many offer our members special pricing, eliminating the need for negotiating.

GAP Insurance 

Offered at a low, one-time cost of $260, Guaranteed Auto Protection (GAP) helps to protect you in the event your vehicle is totaled by collision or theft. GAP will pay off the outstanding vehicle loan balance if you owe more than your insurance company gives you.

First Mortgage Loans

Whether you are purchasing or refinancing a home, we offer a full line of residential first mortgage products. Choose from fixed rate, adjustable rate, construction to permanent, jumbo, and investment property loans. First mortgage loans are available with repayment terms of up to 30 years. *Mortgage loans, with the exception of VA and FHA loans, are processed and underwritten by myCUmortgage, LLC. – a wholly-owned subsidiary of WPCU.

937.912.7000 • www.WPCU.coop

MENU OF SERVICES

Convenient Locations, Surprising Products, Uncommon Service

Home Master Equity Loans

Borrow up to 100% of the equity in your home. These loans are available with fixed ates and repayment terms of up to 15 years.

Home Master Equity Line of Credit

Open-end loans which allow you to borrow up to 100% of the equity in your home, with continuing use of funds at low rates over a 15-year draw period, followed by a 10-year repayment period. This loan allows for unlimited draws against your equity and interest-only payments during the draw period.

Student Choice Loans

Wright-Patt’s free online Home Banking system is one of the fastest, most convenient ways to access your accounts, view balances, transfer funds, view transaction history, and much more. With WPCU Online, most of the things you can do in a Member Center can be done around the clock at www.WPUC.coop.

Bill Pay

 Save money and time by using Wright-Patt’s free online Bill Pay service. You can set up your bills to be paid once or schedule recurring payments such as your rent or mortgage to be paid on a regular basis.

 eStatements

The Credit Union Student Choice Loan Program helps you achieve the dream of higher education by filling the gap that federal funding leaves behind. Zero origination fees, lower interest rates, and flexible repayment options designed with the student in mind can help you save hundred of dollars a year.

With Wright-Patt eStatements, you’ll receive access to your account statement days sooner than you would through regular mail. Plus, those statements will be much more secure, since they won’t spend any time sitting in your mailbox.

Small Business Loans

When you sign up for eAlerts, you can receive customized e-mail or text messages alerting you of your account activity. You can choose to be notified about your account balance, checks clearing, Share Certificates or club accounts maturing, and more. You can also use eAlerts for personal calendar reminders like anniversaries and birthdays.

Whether your small business needs a commercial real estate loan, business term loan or revolving line of credit, Wright-Patt can help with flexible terms, competitive rates, and personal service.

Credit Life and Disability Insurance

Low-cost insurance may be purchased to pay off your loan balances in the event of death or to make loan payments in the event a disability causes a loss of your income.

Convenience Products & Services

eAlerts

eNotices

Extending the convenience of our eAlerts service, eNotices is a free service that automatically e-mails you when something important happens with your account like a transfer of funds from an overdraft source or maturity of your Share Certificate.

Direct Deposit

Direct deposit, payroll deduction, military allotment, or any recurring transfer from another financial institution (ACH) saves you time and money. Allocations can be made to any share (savings) or checking account and for loan payments.

WPCU Online

937.912.7000 • www.WPCU.coop

MENU OF SERVICES

Convenient Locations, Surprising Products, Uncommon Service

Call-24™

Check your account balances, transfer funds, request withdrawals mailed to you by check, and much more over the phone. Use push button or voice recognition to access your accounts 24 hours a day, 7 days a week.

ATM Card

Your ATM Card provides convenient access to your credit union accounts through any ATM with the STARSM or Plus® logos*. *ATMs subject to surcharges and/or Member Choice fees.

Additional Financial Services AD&D Insurance

Your Wright-Patt Credit Union membership comes with free Accidental Death and Dismemberment Insurance in the amount of $1,000. Additional coverage at low-cost group-rate premiums is also available.

Safe Deposit Boxes

Various size safe deposit boxes are available at the Gantt, Xenia, and Downtown Dayton Member Centers to secure your important documents and valuables.

Notary Service

It works like a check and an ATM card, anywhere you see the Visa® logo. Just present your card, sign the receipt, and go!

As a benefit of membership, Wright-Patt offers free notary service at each of our 24 Member Centers. Just call ahead to verify notary availability, bring a valid photo ID, and wait to sign the document until you are in the presence of the notary public.

Mobile Banking

Financial Planning*

ATM/Debit Card

With Wright-Patt Mobile, you can check your account balance before making a purchase, transfer funds to cover a purchase or loan payment, avoid late fees by making payments to your Wright-Patt loans or other bills, stay on top of your money with alerts about account activity, track spending to stay on budget by viewing up to 20 days of account history, locate WPCU Member Centers, and more... all from your cell phone or mobile device!

Visa® Gift Cards

Visa gift cards are a gift that always fits! Available in any dollar amount from $10 to $500, Wright-Patt Visa® gift cards can be used at any merchant who accepts Visa® debit cards.

Savings Bonds What if you still have paper savings bonds? If you currently hold paper savings bonds, they’ll still earn interest for 30 years from the issue date and you’ll still be able to redeem them at any of our convenient Member Centers. For more information about savings bonds, please visit www.treasurydirect.gov.

We can help you meet your financial goals with alternative investment options such as stocks and bonds, mutual funds, tax-deferred investments, U.S. Government Securities, and more available through CUSO Financial Services, L.P., our broker/dealer. *Investment products are services offered through CUSO Financial Services, L.P. (CFS) are not NCUA/NCUSIF insured, not Credit Union guaranteed and may lose value. Advisors are employed by Wright-Patt Credit Union (WPCU), and registered through CFS. WPCU is in partnership with CFS. (MemberFINRA/SIPC)

Financial Counseling with GreenPath Debt Solutions

GreenPath, Inc. provides Wright-Patt members a free debt solutions service which includes professional, confidential money management information and counseling services.

Identity Protection

Wright-Patt has partnered with Identity Fraud, Inc. to provide you a complimentary professional victim assistance plan, as well as discounted rates on identity protection including victim assistance, credit monitoring, insurance, access to credit reports, newsletters, resource guides and much more.

Money Orders

When a personal check just won’t do, consider a safe, fast and convenient alternative of a money order. Wright-Patt offers money orders in amounts up to $1,000 that allow you to pay in confidence.

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937.912.7000 • www.WPCU.coop

MEMBER CENTER LOCATIONS

Member Centers

Convenient Locations & Hours Wright-Patt Credit Union is committed to providing our members with convenient Member Center locations. We have even partnered with other credit unions to offer Shared Service Center (Shared Branching) locations around the country. These centers allow you to conduct most of your business as if they were your own credit union. By sharing facilities, we can offer great convenience for account access even when you’re away from home! For a Shared Service Center near you, visit www.CUServiceCenters.com, call (800) 919-CUSC (2872) or look for this symbol:

*Administrative Offices

Phone (937) 912-7000 (800) 762-0047 3560 Pentagon Boulevard, Beavercreek, Ohio 45431 Monday – Friday 8:00 am – 5:00 pm Member Help Center Monday – Friday Saturday

8:00 am – 8:00 pm 9:00 am – 1:00 pm

Financial Planning (Sessions with a CFS Financial Advisor are available by appointment at each Member Center during Member Center hours.) Mortgage Lending Monday – Friday

8:00 am – 5:00 pm

Beavercreek

Beavercreek 1506 N. Fairfield, Beavercreek, OH 45432 Monday – Friday 9:00 am – 7:00 pm Saturday (lobby) 9:00 am – 1:00 pm Saturday (drive-thru) 9:00 am – 2:00 pm

Centerville (Dayton Mall Area)

Cross Pointe 277 Alex-Bell Road, Centerville, OH 45459 Monday – Friday 9:00 am – 7:00 pm Saturday (lobby) 9:00 am – 1:00 pm Saturday (drive-thru) 9:00 am – 2:00 pm

Mad River (Behind the Dayton Mall) 8850 Kingsridge Dr. Dayton, OH 45458 Monday – Friday 9:00 am – 7:00 pm Saturday (lobby) 9:00 am – 1:00 pm Saturday (drive-thru) 9:00 am – 2:00 pm

Dayton

Downtown Dayton (One Dayton Centre) 1 S. Main Street, Suite H, Dayton, OH 45402 Monday – Friday 8:00 am – 4:30 pm Northwest (The Shoppes at Siebenthaler) 3530 W. Siebenthaler Avenue, Dayton, OH 45406 Monday – Friday 9:00 am – 7:00 pm Saturday (lobby) 9:00 am – 1:00 pm Saturday (drive-thru) 9:00 am – 2:00 pm

FEDERALLY INSURED BY NCUA

Twin Towers 521 Xenia Avenue, Dayton, OH 45410 Monday – Friday 9:00 am – 5:00 pm Saturday 9:00 am – 1:00 pm Wright-Dunbar 1137 W. Third Street, Dayton, OH, 45402 Monday – Friday 9:00 am – 5:30 pm Saturday 9:00 am – 1:00 pm

Columbus

Clintonville 3134 N. High Street Columbus, OH 43202 Monday – Friday Saturday (lobby)

9:00 am – 7:00 pm 9:00 am – 1:00 pm

Graceland, 30 Graceland Blvd., Columbus, OH 43212 Monday – Friday 9:00 am – 7:00 pm Saturday (lobby) 9:00 am – 1:00 pm Saturday (drive-thru) 9:00 am – 2:00 pm Grandview Yard 860 W. Third Avenue Columbus, OH 43212 Monday – Friday Saturday (lobby) Saturday (drive-thru)

9:00 am – 7:00 pm 9:00 am – 1:00 pm 9:00 am – 2:00 pm

Lane Avenue (Across from The Shops on Lane Avenue) 1600 W. Lane Avenue, Suite 150, Upper Arlington, OH 43221 Monday – Friday 9:00 am – 7:00 pm Saturday (lobby) 9:00 am – 1:00 pm

Englewood/Clayton

Englewood 7704 Hoke Road, Clayton, OH 45315 Monday – Friday 9:00 am – 7:00 pm Saturday 9:00 am – 1:00 pm

Fairborn

Five Points 130 E. Dayton-Yellow Springs Road, Fairborn, OH 45324 Monday – Friday 9:00 am – 7:00 pm Saturday (lobby) 9:00 am – 1:00 pm Saturday (drive-thru) 9:00 am – 2:00 pm

800.762.0047 • www.WPCU.coop

MEMBER CENTER LOCATIONS Gantt 2465 Executive Park Boulevard, Fairborn, OH 45324 Monday – Friday 9:00 am – 7:00 pm Saturday (lobby) 9:00 am – 1:00 pm Saturday (drive-thru) 9:00 am – 2:00 pm

Greenhills (Cincinnati Area)

Greenhills 3 Enfield Street, Greenhills, OH 45218 Monday – Friday 9:00 am – 7:00 pm Saturday 9:00 am – 1:00 pm

Huber Heights

Huber Heights 7345 Old Troy Pike, Route 202, Huber Heights, OH 45424 Monday – Friday 9:00 am – 7:00 pm Saturday (lobby) 9:00 am – 1:00 pm Saturday (drive-thru) 9:00 am – 2:00 pm Brandt Pike 4512 Brandt Pike, Dayton, OH 45424 Monday – Friday 9:00 am – 7:00 pm Saturday (lobby) 9:00 am – 1:00 pm Saturday (drive-thru) 9:00 am – 2:00 pm

Kettering

Kettering (Behind Aldi and Goodwill) 1810 Woodman Center Dr., Kettering, OH 45420 Monday – Friday 9:00 am – 7:00 pm Saturday (lobby) 9:00 am – 1:00 pm Saturday (drive-thru) 9:00 am – 2:00 pm

Norwood (Cincinnati Area)

Norwood 4560 Lafayette Avenue, Norwood, OH 45212 Monday – Friday 9:00 am – 7:00 pm Saturday (lobby) 9:00 am – 1:00 pm Saturday (drive-thru) 9:00 am – 2:00 pm

Springboro

Springboro 770 Gardner Rd., Springboro, OH 45066 Monday – Friday 9:00 am – 7:00 pm Saturday (lobby) 9:00 am – 1:00 pm Saturday (drive-thru) 9:00 am – 2:00 pm

Springfield

Springfield 2097 N. Bechtle Avenue, Springfield, OH 45504 Monday – Friday 9:00 am – 7:00 pm Saturday (lobby) 9:00 am – 1:00 pm Saturday (drive-thru) 9:00 am – 2:00 pm

Urbana

Urbana 1868 E US Highway 36, Urbana, OH 43078 Monday – Friday 9:00 am – 7:00 pm Saturday 9:00 am – 1:00 pm

Wilmington

Wilmington 161 Carrie Drive, Wilmington, OH 45177 Monday – Friday 9:00 am – 7:00 pm Saturday (lobby) 9:00 am – 1:00 pm Saturday (drive-thru) 9:00 am – 2:00 pm

Wright-Patterson Air Force Base

Area A Building 262, Wright-Patterson Air Force Base, OH 45433 Monday – Friday 8:00 am – 4:00 pm Area B Building 16, Wright-Patterson Air Force Base, OH 45433 Monday – Friday 8:00 am – 4:00 pm Kittyhawk Building 1224, Wright-Patterson Air Force Base, OH 45433 Monday – Friday 9:00 am – 6:00 pm Saturday 9:00 am – 1:00 pm

Wright State University

Wright State University Student Union, Room 180, Dayton, OH 45435 Monday – Friday 9:00 am – 5:00 pm

Xenia

Xenia 88 Progress Drive, Xenia, OH 45385 Monday – Friday 9:00 am – 7:00 pm Saturday (lobby) 9:00 am – 1:00 pm Saturday (drive-thru) 9:00 am – 2:00 pm

Denotes a WPCU ATM is available. Non-deposit investment products and Services are offered through CUSO Financial Services, L.P. (“CFS”), a registered broker-dealer (Member FINRA/SIPC) and SEC Registered Investment Advisor. Products offered through CFS: are not NCUA/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 Representatives are registered through CFS. Wright-Patt Credit Union has contracted with CFS to make non-deposit investment products and services available to credit union members. Denotes safe deposit boxes available. Denotes coin machine available. Denotes Personal Teller Machines available.

Troy

Troy 2501 W. Main Street, Troy, OH 45373 Monday – Friday 9:00 am – 7:00 pm Saturday (lobby) 9:00 am – 1:00 pm Saturday (drive-thru) 9:00 am – 2:00 pm

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ATM LOCATIONS

ATM Locations Your ATM/Debit Card will give you convenient access to your credit union accounts through any ATM with the STARSM or Plus® logos*. And to make life more convenient for you, Wright-Patt not only owns many ATMs throughout Southwest Ohio, but we have partnered with ATM providers to give you lower-to-no-fee access to any Alliance One® network or CO-OP Network ATMs**. For a complete listing of ATMs, go to www.wpcu.coop/atm or call (800) 762-0047. Open a Wright-Patt checking account and receive a free ATM/DebitCard. You can use your new debit card just like a check, anywhere you see the Visa® logo. Just present your card, sign the receipt, and go! Life couldn’t be easier.

Beavercreek

Beavercreek Member Center (Drive-up: Bilingual – English/Spanish) 1506 N. Fairfield Rodd., Beavercreek, OH 45432

Centerville (Dayton Mall Area)

Cross Pointe Member Center

(Drive-up: Bilingual – English/Spanish) 277 E. Alex-Bell Road, Centerville, OH 45459

Mad River Member Center (Drive-up: Bilingual – English/Spanish) 8850 Kingsridge Drive, Dayton, OH 45458

Downtown Dayton Member Center (Walk-up: Available 24 Hours) $5 increments available One Dayton Centre, 1 S. Main Street, Suite H, Dayton, OH 45402

Northwest Member Center (1 Walk-up) 3530 Siebenthaler Avenue, Dayton, OH 45406

Northwest Plaza (2 Drive-ups) 3201 W. Siebenthaler Avenue, Dayton, OH 45406

Englewood/Clayton

Central State University

Hoke Plaza

(Walk-up: Ward Building) - $5 increments available 1400 Brush Row Road, Wilberforce, OH 45384

(Drive-up: Across from Walmart; Northwest corner of shopping plaza) 7606 Hoke Road, Clayton, OH 45315

Columbus

Fairborn

Student Union

Clintonville Member Center 3134 N. High Street Columbus, OH 43202 (Drive-up: Bilingual – English/Spanish)

Graceland Member Center 1010 N. High Street Columbus, OH 43215 (Drive-up: Bilingual – English/Spanish)

Grandview Yard Member Center 860 W. Third Avenue Columbus, OH 43212 (Drive-up: Bilingual – English/Spanish)

Lane Avenue Member Center 1600 W. Lane Avenue, Suite 150 Upper Arlington, OH 43221 (Walk-up: Bilingual – English/Spanish)

Dayton

Brandt Pike Member Center

Five Points Member Center (Drive-up: Bilingual – English/Spanish) 130 E. Dayton-Yellow Springs Road, Fairborn, OH 45324

Gantt Financial Center (2 Drive-ups: Bilingual – English/Spanish) 2465 Executive Park Boulevard, Fairborn, OH 45324

St. Rt. 235 at I-675 (Drive-up: Bilingual – English/Spanish) 710 E. Xenia Drive, Fairborn, OH 45324

Greenhills

Greenhills Member Center (Drive-up) - $5 increments available 3 Enfield Street, Greenhills, OH 45218

Huber Heights

Huber Heights Member Center (Drive-up: Bilingual – English/Spanish) 7345 Old Troy Pike, Huber Heights, OH 45424

(Drive-up: Bilingual – English/Spanish) 4512 Brandt Pike, Dayton, OH 45424

Federally Insured by NCUA

937.912.7000 • www.WPCU.coop

ATM LOCATIONS

ATM Locations Northpark Shopping Center (Drive-up: North of I-70 between Elder Beerman and Steak n Shake) 8189 Old Troy Pike, Huber Heights, OH 45424

Kettering

Kettering Member Center Behind Aldi and Goodwill (Drive-up: Bilingual – English/Spanish) 1810 Woodman Center Drive, Kettering, OH 45420

Miamisburg

Shoppes by the Mall (Drive-up: Near Lowe’s; cash only) 200 Springboro Pike, Miamisburg, OH 45449

Norwood (Cincinnati Area)

Norwood Member Center (Drive-up) 4560 Lafayette Avenue, Norwood, OH 45212

Springboro

Springboro Member Center (Walk-up: Bilingual – English/Spanish) 770 Gardner Rd., Springboro, OH 45066

Springfield

Springfield Member Center (Drive-up: Available 24-Hours; Bilingual – English/Spanish) 2097 N. Bechtle Avenue, Springfield, OH 45504

Springfield Plaza (Drive-up: Across the street from Upper Valley Mall in the parking lot next to Fricker’s) 1600 Upper Valley Pike, Springfield, OH 45504

Hope Hotel/Building 823 (Walk-up: Withdrawal only) NASIC/Building 822 (Walk-up: Withdrawal only; Bilingual – English/Spanish) - $5 increments available

Area B

Building 16 (Walk-up) Hill Top/Building 642 (Walk-up: Withdrawal only) $5 increments available AMC Complex/Building 558 - (Walk-up: Withdrawal only) Air Force Museum/Building 489 - (Walk-up: Withdrawal only)

Kittyhawk

Building 1 (Walk-up) Kittyhawk Member Center/Building 1224 (Drive-up)

Wright State University Main Campus

3640 Colonel Glenn Highway, Fairborn, OH 45435

Student Union

(Walk-up: Near WSU Member Center, next to elevator) $5 increments available

Allyn Hall

(Walk-up: Near the Hangar, in the copy and vending area) $5 increments available

E.J. Nutter Center

(2 Walk-ups: Withdrawal only; Inside back entrance by gym; on concourse by Gate 3) $5 increments available

Xenia

Xenia Member Center (Drive-up)

Troy

Troy Member Center (Drive-up) 2501 W. Main Street, Troy, OH 45373

Troy Plaza (Drive-up: Near Kroger and Dollar General) 769 W. Market Street, Troy, OH 45373

Urbana01/09

Urbana Member Center (Walk-up: Available 24-Hours) 1868 E US Highway 36, Urbana, OH 43078

Wilmington

Wilmington Member Center (Drive-up: Bilingual – English/Spanish) 161 Carrie Drive, Wilmington, OH 45177

88 S. Progress Drive, Xenia, OH 45385

Xenia Plaza (Drive-up: Next to Domino’s Pizza) 33 N. Allison Avenue, Xenia, OH 45385

Lost or Stolen Card?

You can replace your card the same day with WPCU instant issue cards1; however, you will want to act as quickly as possible to notify us that your card has been lost or stolen. The quickest way to notify us is to call our Member Help Center at (800) 762-0047.2 A replacement card fee may apply. Instant Issue Cards cannot be produced over the phone. Notifying the Member Help Center will help to reduce any chances of fraudulent activity on a lost or stolen card. 1

2

Wright-Patterson Air Force Base Area A - Building 262 (Walk-up)

Medical Center/Building 830 (Walk-up) Wright-Patterson Club/Building 800 (Walk-up: Withdrawal only)

02/15

937.912.7000 • www.WPCU.coop

MEMBER CHOICE

Member Choice

Increasing the Value of Your Credit Union Membership

“Everyone who has an account at WPCU is a shareholder, and you see those rewards in what they offer. You’re working toward a common goal, and you’re working together. Wright-Patt is going to tell you the best thing for you. You actually have a stake in the credit union – they work with your money, and everyone in the credit union is working together.”

Preston F.

Member since 2007

Benefits of Cooperation

As a credit union, Wright-Patt is a member-owned and operated not-for-profit financial cooperative. That means Wright-Patt joins our members together to meet each others’ needs by pooling their financial resources. Like other credit unions, Wright-Patt uses your pooled resources to cover operational costs and then returns everything to you through the benefits of better rates on savings and loan products, and overall lower service fees or even no fees at all. The success of a cooperative like Wright-Patt is dependent upon the commitment of its members. The more members who actively use Wright-Patt, the stronger our cooperative becomes, giving it the ability to return more value to our members. That’s why we reward our members’ use of Wright-Patt products and services in a program called Member Choice. It’s a simple plan that will benefit you directly.

Ways to Contribute

Belonging to Wright-Patt Credit Union makes a lot of sense, especially the more you use your membership. You can increase the benefits of credit union membership to yourself and other members by contributing in one or more of the following ways:



1. Making deposits. Members who contribute as depositors make it possible for Wright-Patt to make loans to



other members.



2. Taking out loans. Members who borrow at Wright-Patt are contributing to the cooperative by paying interest on the money



3. Paying for transaction services as you go, including cashing checks and withdrawing funds.

they borrowed. The interest is used to pay dividends and the operating expenses of the credit union.

When members cooperate with each other by making deposits and taking out loans, we’re able to enhance the value of credit union membership for every member involved. That’s why, if you keep a certain average daily balance in deposits and/or loans, you are eligible for additional savings, exclusive offers and fewer fees. It’s our way at Wright-Patt of focusing on you – the member – and your financial future. A complete Member Choice chart is available on the next page to show you how to get more from your membership with Wright-Patt. For example, with a relationship (total deposits and loans) balance of $300 - $9,999, you can become a Partner Member. With that Partner Member Choice level, you would receive added freebies including four free teller-assisted transactions a month, six free non-WPCU ATM transactions per month, a free box of checks each year, and more! If your participation included the following, you would qualify as an Advantage member, with free teller transactions, free cashier’s checks and money orders, and more:



• $7,500 used car loan • $3,500 money market • $795 average checking account balance

(Total: $11,795)

Federally Insured by NCUA

937.912.7000 • www.wpcu.coop

MEMBER CHOICE

Member Choice



DEPOSITS AND LOANS**

WPCU ATMs Free transactions***

YOUNG ADULT

ASSOCIATE

PARTNER*

ADVANTAGE

PREMIER

$5+

Less than $300

$300-$9,999

$10,000-$49,999

$50,000+

(Under Age 24)

Free Free Free Free Free All

None

4 per month

All

All

Fee per transaction (includes Non-Call-24TM None $2.00 $2.00 None None phone assistance)*** Free cashier’s checks***

2 per month

None

2 per month

All

All



Fee for cashier’s checks***

$5.00

$5.00

$5.00

None

None

Deposits only

Free

Free

Free

Free

Free

WPCU online Bill Pay monthly fees

Free

Free

Free

Free

Free

Standard

Standard

Standard

Free

Free

$5.00

$5.00

$5.00

$4.00

Free

6 per month

2 per month

6 per month

6 per month

All

Foreign ATM transaction fee*****

$0.60

$0.60

$0.60

$0.60

None

Free box of standard checks

None

None

1 box/year

1 box/year

All



Money orders

‘Select Checking’ benefits monthly fee

Free foreign ATM transactions*****



How to Avoid Fees

Our goal at Wright-Patt is to provide each of our members with lower costs and the best return possible on every financial product we offer. Our objective is NOT to increase fee income by charging members for their account, but to ask for a relatively equal contribution from each member based on how they choose to use their credit union membership.

To continue enjoying your credit union membership with little or no fees, please consider the following: • Initiate a direct deposit or a transfer deposit from another financial institution (ACH) that posts to your account at least once each month and you’ll automatically achieve Partner level status. • Increase your combined loan and deposit balances to a monthly average of $300 or more, and you will be able to conduct at least four (4) FREE teller-assisted transactions each month.

• Use automated ways of conducting routine transactions such as ATM/Debit card transactions, online banking, and Call-24™. All of these services are FREE. All WPCU ATM transactions will be FREE. (Non-WPCU ATM owner surcharges may apply.) Wright-Patt encourages our members to do business with us at the lowest possible cost to them. In every instance where a fee applies, we provide an alternative to avoid the fee. * Members can automatically attain Partner status by maintaining a Direct Deposit or a recurring ACH deposit that posts at least monthly. Direct deposit must equal $100 or more per month. Must be a member in good standing. ** The combination of deposit and loan balances determines relationship. All members with first mortgages are automatically placed in the Premier group for 5 years. *** Transactions are teller-assisted cash withdrawals, check cashing, balance transfers & balance inquiries. Also includes Help Center based transactions. **** Please refer to the Account Disclosure for Select Checking and General Fee Schedule for complete details. ***** The FREE foreign ATM transaction refers to the $0.60 cost to WPCU, not the non-WPCU ATM owner surcharge. Premier members are eligible to receive a maximum ATM surcharge rebate of $10 per month. Bring receipts to one of our Member Centers or mail with your name and account number to: Wright-Patt Credit Union, P.O. Box 340134, Beavercreek, Ohio 45431, Attention: ATM Rebate.

04/14

937.912.7000 • www.wpcu.coop

WPCU POLICIES: CHECK HOLD

Frequently Asked Questions about Check Holds Helping You Understand Your Credit Union’s Policies

“I appreciate Wright-Patt Credit Union’s safeguards against fraud. They really have their members’ best interests at heart.” Latricia M.

Member since 2011

Check Hold FAQs Why are check holds necessary? You may have noticed that when you deposit a check, Wright-Patt Credit Union and other financial institutions may not make all of your money available to you on the same day as your deposit. This practice is commonly referred to as a “hold”, and it allows time for us to collect funds from whoever wrote the check to you. We want your accounts to be safe, and our check holds help protect you, your fellow members, and your credit union. How long can you hold my check? During the hold, we use the tools that we have in place to help determine whether a check is legitimate and whether there are funds available for the amount for which it was written. Check holds can vary from 2 to 7 business days based on several factors, including the check amount. Exceptions may be made based on available funds in your account and your account history. When will funds from my check be available? When you deposit funds at a WPCU Member Center or WPCU-operated ATM, $200 of your deposit will be made available to you within the first business day after the day of your deposit*. A Member Experience Representative will inform you about the other portion(s) of the funds that are on hold, and when they will be available to you. This information will also appear on your deposit receipt. *Some restrictions may apply What happens if a check that I deposit is “bad”? Returned checks are costly to members and the credit union because of lost funds and potential legal fees. If a check is returned to us as “non-sufficient funds” (NSF), you are responsible for paying those funds back to the credit union, and your account is subject to a returned check fee. Depending on your available funds, you also risk incurring service charges related to overdrawing your account. You’ve worked hard for your money and our check holds help protect your accounts from lost funds and returned check fees! What about check scams? If it seems too good to be true, it probably is. Unfortunately many bad checks are the result of scams. Some members have received letters informing them they have won a lottery, an email asking them to be a secret shopper, or an overpayment for an item listed in a classified ad. The sender asks the member to cash a check and return some of the money to the sender – and suddenly the member is responsible for paying the credit union the entire amount of the phony check! Your best defense against becoming a victim is education. Visit www.ftc.gov or www.fakechecks. org for more information about check scams. As your credit union, our first priority is the safety and security of your accounts. While check holds are not a guarantee against fraud, they do allow us time to investigate a check. Please read our Funds Availabilty Policy at www.WPCU.coop for more information about check holds.

05/14 Federally Insured by NCUA

937.912.7000 • www.wpcu.coop

DIRECT DEPOSIT

Direct Deposit Save Time and Money!

“I was on vacation several years ago when my paycheck did not arrive in the mail as it was supposed to. By the time the check arrived, several checks had bounced with my old bank and I was charged an excessive amount in fees. Now I use Wright-Patt’s direct deposit for my checks so I can always be sure my money is there when I need it.”

Tom T.

Member since 2008

Direct Deposit

With all of your daily responsibilities, it sometimes can be hard to find even five minutes to visit a Member Center to cash your paycheck. Direct deposit helps save that time for you! Whether it’s your net pay, a payroll deduction, or military allotment, Wright-Patt’s direct deposit is one of the best time savers for our members. Once you are enrolled, your funds will automatically be deposited into your account of choice, eliminating your need to deposit your check in person. Plus, a portion of your payroll deposit can automatically be transferred to any share (savings) or checking account, or to any loan payments you wish. All you have to do is tell us where the money should go, and we’ll do the rest!

Signing Up

To start using Wright-Patt’s direct deposit, talk to your employer’s payroll department, or visit www.wpcu.coop to download a direct deposit form. You will want to know Wright-Patt Credit Union’s ABA/Routing number in order to set up your direct deposit, payroll deduction and other automatic deposits and withdrawals on savings, checking, and loan accounts. Using this format will help your transactions process more efficiently. An ABA number, also known as the Routing and Transit number, uniquely identifies Wright-Patt Credit Union and is used for electronic processing. The ABA number consists of nine consecutive digits inside transit symbols. Wright-Patt Credit Union’s ABA number is 242279408. This is the first string of numbers listed on the bottom of your checks. You will also want to use your account’s unique 13-digit processing number. This is the second number printed on the line at the bottom of your checks. The number can be broken into three parts. The first digit is to identify whether you want to process the automatic deposit or withdrawal from a Share (1) or a Loan (2). The next two numbers identify the specific share or loan ID. The final ten numbers are your basic account number (with leading zeros).

1

9

1 = Share, 2 = Loan

0

Specific share or loan ID

0

0

0

1

2

3

4

5

6

7

Basic account number (with leading zeros) 10 digits total

Convenient Services to Simplify Your Life

With our wide range of financial services, Wright-Patt Credit Union members enjoy convenience, flexibility, and savings. Services like our free online Home Banking system, mobile banking, eStatements, online Bill Pay service, Call-24™, and 24-hour Lending, allow members to access their accounts or apply for loans 24 hours a day, 7 days a week in the comfort and convenience of their home or office. Contact us to find out more ways to simplify your life! Visit your local Member Center, call our Member Help Center at (937) 912-7000 or (800) 762-0047 or go online at www.wpcu.coop.

09/09 Federally Insured by NCUA

937.912.7000 • www.wpcu.coop