What are the current interest rates at Wheelhouse Credit Union?

Current rates for Wheelhouse Credit Union include: 12-Month CD: 3.75%, 18-Month CD: 3.30%, 24-Month CD: 3.25%, 60-Month CD: 2.40%, Savings: 0.05%, MMA: 0.05%

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Wheelhouse Credit Union

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Wheelhouse Credit Union Rates & Review September 2026

Q: How many branches does Wheelhouse Credit Union operate?

Wheelhouse Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is a member application needed to join Wheelhouse Credit Union?

Yes, to access services at Wheelhouse Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Wheelhouse Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 12, 2026

Wheelhouse Credit Union's 11 Month CD - 11 month rates are at 4.00%, 11 Month CD - 11 month ($10,000) rates are at 4.00%, 11 Month CD - 11 month ($500) rates are at 4.00%, 11 Month CD - 11 month ($90,000) rates are at 4.00%, Promotional Term CDs & IRA CDs - 11 month ($10,000) rates are at 4.00%. Wheelhouse Credit Union's savings rates are at 0.05%. Wheelhouse Credit Union's money market rates are at 0.05%. Wheelhouse Credit Union's Auto Loan Rates are as low as 3.99%. Wheelhouse Credit Union's Credit Card Rates are at 12.99%. MonitorBankRates evaluates the financial stability of Wheelhouse Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.42%. Rates last updated and verified on 09/12/2026.

Wheelhouse Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Wheelhouse Credit Union? Share your experience about Wheelhouse Credit Union by leaving a review below, or read customer reviews before you decide to use Wheelhouse Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.42%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Wheelhouse Credit Union
Kearny

9212 Balboa Ave
San Diego, CA 92123-1514

https://www.wheelhousecu.com

Wheelhouse Credit Union CD Rates

Product	Rate	APY	Term
11 Month Certificate - 11 month	-	4.00%	11 Months
Min Deposit $500 Details New money required; Upon maturing, a promotional 11-month Certificate will roll into a non-promotional 12-month Certificate at the prevailing APY. Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.42%
11 Month Certificate - 11 month ($10,000)	3.94%	4.00%	11 months
Min Balance $10,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.42%
11 Month Certificate - 11 month ($500)	3.94%	4.00%	11 months
Min Balance $500 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.42%
11 Month Certificate - 11 month ($90,000)	3.94%	4.00%	11 months
Min Balance $90,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.42%
Promotional Term Certificates & IRA Certificates - 11 month ($10,000)	3.94%	4.00%	11 months
Min Balance $10,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.42%
Promotional Term Certificates & IRA Certificates - 11 month ($500)	3.94%	4.00%	11 months
Min Balance $500 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.42%
Promotional Term Certificates & IRA Certificates - 11 month ($90,000)	3.94%	4.00%	11 months
Min Balance $90,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.42%
12 Month Term Certificate - 12 month ($10,000)	3.70%	3.75%	12 months
Min Balance $10,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.42%
12 Month Term Certificate - 12 month ($500)	3.70%	3.75%	12 months
Min Balance $500 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.42%
12 Month Term Certificate - 12 month ($90,000)	3.70%	3.75%	12 months
Min Balance $90,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.42%
8 Month Certificate - 8 month	-	3.75%	8 Months
Min Deposit $500 Details New money required; Upon maturing, a promotional 8-month Certificate will roll into a non-promotional 12-month Certificate at the prevailing APY. Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.42%
8 Month Certificate - 8 month ($10,000)	3.70%	3.75%	8 months
Min Balance $10,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.42%
8 Month Certificate - 8 month ($500)	3.70%	3.75%	8 months
Min Balance $500 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.42%
8 Month Certificate - 8 month ($90,000)	3.70%	3.75%	8 months
Min Balance $90,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.42%
Promotional Term Certificates & IRA Certificates - 8 month ($10,000)	3.70%	3.75%	8 months
Min Balance $10,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.42%
Promotional Term Certificates & IRA Certificates - 8 month ($500)	3.70%	3.75%	8 months
Min Balance $500 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.42%
Promotional Term Certificates & IRA Certificates - 8 month ($90,000)	3.70%	3.75%	8 months
Min Balance $90,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.42%
4 Month Certificate - 4 month	-	3.50%	4 Months
Min Deposit $500 Details New money required; Upon maturing, a promotional 4-month Certificate will roll into a non-promotional 6-month Certificate at the prevailing APY. Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.42%
4 Month Certificate - 4 month ($10,000)	3.45%	3.50%	4 months
Min Balance $10,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.42%
4 Month Certificate - 4 month ($500)	3.45%	3.50%	4 months
Min Balance $500 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.42%
4 Month Certificate - 4 month ($90,000)	3.45%	3.50%	4 months
Min Balance $90,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.42%
6 Month Term Certificate - 6 month ($10,000)	3.45%	3.50%	6 months
Min Balance $10,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.42%
6 Month Term Certificate - 6 month ($500)	3.45%	3.50%	6 months
Min Balance $500 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.42%
6 Month Term Certificate - 6 month ($90,000)	3.45%	3.50%	6 months
Min Balance $90,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.42%
Promotional Term Certificates & IRA Certificates - 4 month ($10,000)	3.45%	3.50%	4 months
Min Balance $10,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.42%
Promotional Term Certificates & IRA Certificates - 4 month ($500)	3.45%	3.50%	4 months
Min Balance $500 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.42%
Promotional Term Certificates & IRA Certificates - 4 month ($90,000)	3.45%	3.50%	4 months
Min Balance $90,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.42%
18 Month Term Certificate - 18 month ($10,000)	3.26%	3.30%	18 months
Min Balance $10,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.42%
18 Month Term Certificate - 18 month ($500)	3.26%	3.30%	18 months
Min Balance $500 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.42%
18 Month Term Certificate - 18 month ($90,000)	3.26%	3.30%	18 months
Min Balance $90,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.42%
15 Month Certificate - 15 month ($10,000)	3.21%	3.25%	15 months
Min Balance $10,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.42%
15 Month Certificate - 15 month ($500)	3.21%	3.25%	15 months
Min Balance $500 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.42%
15 Month Certificate - 15 month ($90,000)	3.21%	3.25%	15 months
Min Balance $90,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.42%
24 Month Certificate	-	3.25%	24 Months
Details Build wealth with predictable growth. Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.42%
24 Month Term Certificate - 24 month ($10,000)	3.21%	3.25%	24 months
Min Balance $10,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.42%
24 Month Term Certificate - 24 month ($500)	3.21%	3.25%	24 months
Min Balance $500 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.42%
24 Month Term Certificate - 24 month ($90,000)	3.21%	3.25%	24 months
Min Balance $90,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.42%
Promotional Term Certificates & IRA Certificates - 15 month ($10,000)	3.21%	3.25%	15 months
Min Balance $10,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.42%
Promotional Term Certificates & IRA Certificates - 15 month ($500)	3.21%	3.25%	15 months
Min Balance $500 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.42%
Promotional Term Certificates & IRA Certificates - 15 month ($90,000)	3.21%	3.25%	15 months
Min Balance $90,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.42%
36 Month Term Certificate - 36 month ($10,000)	2.38%	2.40%	36 months
Min Balance $10,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.42%
36 Month Term Certificate - 36 month ($500)	2.38%	2.40%	36 months
Min Balance $500 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.42%
36 Month Term Certificate - 36 month ($90,000)	2.38%	2.40%	36 months
Min Balance $90,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.42%
60 Month Term Certificate - 60 month ($10,000)	2.38%	2.40%	60 months
Min Balance $10,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.42%
60 Month Term Certificate - 60 month ($500)	2.38%	2.40%	60 months
Min Balance $500 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.42%
60 Month Term Certificate - 60 month ($90,000)	2.38%	2.40%	60 months
Min Balance $90,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.42%
3 Month Term Certificate - 3 month ($10,000)	1.69%	1.70%	3 months
Min Balance $10,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.42%
3 Month Term Certificate - 3 month ($500)	1.69%	1.70%	3 months
Min Balance $500 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.42%
3 Month Term Certificate - 3 month ($90,000)	1.69%	1.70%	3 months
Min Balance $90,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.42%

Wheelhouse Credit Union Savings Rates

Product	Rate	APY
Aspire First Savings	1.00%	1.00%
Min Balance $0 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.42%
Aspire Savings	1.00%	1.00%
Min Balance $0 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.42%
Inspired Savings	-	0.10%
Min Balance $10,000 Details No monthly fee; Access your account 24/7 via our Digital Banking Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.42%
Inspired Share/Savings	0.05%	0.05%
Min Balance $0 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.42%
Share Savings	0.05%	0.05%
Min Balance $0 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.42%

Wheelhouse Credit Union Money Market Rates

Product	Rate	APY
Inspired Money Market	0.25%	0.25%
Min Balance $10,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.42%
Inspired Money Market	0.10%	0.10%
Min Balance $500 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.42%
Money Market ($50,000)	0.10%	0.10%
Min Balance $50,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.42%
Money Market ($90,000)	0.10%	0.10%
Min Balance $90,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.42%
Money Market ($1,000.00)	0.05%	0.05%
Min Balance $1,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.42%
Money Market ($10,000)	0.05%	0.05%
Min Balance $10,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.42%
Money Market ($25,000)	0.05%	0.05%
Min Balance $25,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.42%

Wheelhouse Credit Union Checking Rates

Product	Rate	APY
Inspired & Inspired Plus Checking Account	2.96%	3.00%
Details Qualifications Required; Minimum of 20 Debit Card Purchase Transactions Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.42%
Inspired Checking	-	3.00%
Details Qualifications Required: monthly direct deposit of $450 or more; active online banking registration; eStatements within 90 days of account opening; 20 (twenty) purchase transactions using the Wheelhouse Visa Debit Card(s) associated with the Inspired Checking account per calendar month; Earn up to 3.00% APY* with Inspired Checking or Inspired Checking Plus. Rate and yield are subject to change without notice. Requires monthly direct deposit of $450 or more, an active online banking registration and eStatements within 90 days of account opening. If requirements are not met and maintained, account will be converted to a Basic Checking Account. Other restrictions, terms and conditions may apply. Membership is required. To receive the rate of 3.00%, 20 (twenty) purchase transactions using the Wheelhouse Visa Debit Card(s) associated with the Inspired Checking account per calendar month required. Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.42%
Inspired Plus Checking	-	3.00%
Details Qualifications Required: 20 qualifying purchase transactions using your Wheelhouse Visa debit card per calendar month; Premium Benefits Money saving perks and daily protection benefits that help make your life a little easier, and potentially save you over $1,000/year Enhanced Overdraft Protection All Inspired features Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.42%
Inspired & Inspired Plus Checking Account	1.98%	2.00%
Min Balance $75,000 Details Balance: $75,000+ Average Daily Balance Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.42%
Inspired & Inspired Plus Checking Account	0.25%	0.25%
Min Balance $10,000 Details Balance: $10,000 - $74,999.99 Average Daily Balance Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.42%
Inspired & Inspired Plus Checking Account	0.05%	0.05%
Min Balance $10,000 Details Balance: <$9,999.99 Average Daily Balance Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.42%

Wheelhouse Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term	View More
Home Equity Line of Credit	6.99%	0.000	6.99%
Details Combined Loan-To-Value (CLTV): Up to 75%; Loan Amount: $25,000 to $100,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.42%

Wheelhouse Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Loans (2023 & Newer)	-	-	3.99%	48-Month
Details On a 48-Month Term when you finance through our auto buying partner and purchase two ancillary products. Rates are effective as of September 1, 2026 and are subject to change without notice. Discounted Rates stated include discounts for using Wheelhouse Credit Union's auto buying service, New Cars Inc. (NCI), purchasing any two (2) ancillary products, and setting up loan auto-pay using your Inspired Checking Account. Internal refinances may not be eligible for all discounted rates. Subject to credit and collateral approval. Rates are determined based on credit-worthiness and applicable discounts. To qualify for a discounted rate of 0.50% on terms up to 66 months or 0.25% on terms between 67-84 months, you must purchase a new vehicle from our auto buying service, New Cars Inc (NCI), and finance your purchase with Wheelhouse Credit Union. To qualify for a discounted rate of 0.25%, you must purchase any two (2) ancillary products. To qualify for a discounted rate of 0.25%, you must set up automatic loan payments from your Inspired Checking Account on new eligible loans. Contact a Team Member for further information. Other terms, conditions, and restrictions may apply. Membership is required. Federally insured by NCUA. Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.42%
Auto Loan	-	-	4.99%	Up to 48 mos
Details As Low As; Discounted APR: 3.99% Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.42%
Auto Loan	-	-	5.24%	Up to 66 mos
Details As Low As; Discounted APR: 4.24% Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.42%
Auto Loan	-	-	5.74%	67-75 mos
Details As Low As; Discounted APR: 4.99% Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.42%
Auto Loan	-	-	5.99%	Up to 48 mos
Details As Low As; Discounted APR: 4.99% Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.42%
Auto Loan	-	-	6.24%	Up to 66 mos
Details As Low As; Discounted APR: 5.24% Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.42%
Auto Loan	-	-	6.49%	76-84 mos
Details As Low As; Discounted APR: 5.74% Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.42%
Auto Loan	-	-	6.74%	67-75 mos
Details As Low As; Discounted APR: 5.99% Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.42%
Auto Loan	-	-	7.49%	76 - 84 mos
Details As Low As; Discounted APR: 6.74% Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.42%

Wheelhouse Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Motorcycle Loans (2023 and Newer) - Up to 48 months	-	6.99%	Up to 48 months
Details Maximum Discounted APR: 6.49% Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.42%
RV & Trailer (2023 and Newer) - Up to 66 months Loan	-	6.99%	Up to 66 months
Details Maximum Discounted APR: 6.24% Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.42%
Motorcycle Loans (2023 and Newer) - 49-66 months	-	7.24%	66 Months
Details Maximum Discounted APR: 6.74% Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.42%
RV & Trailer (2023 and Newer) - 67 - 96 months Loan	-	7.49%	96 Months
Details Maximum Discounted APR: 6.74% Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.42%
RV & Trailer (2023 and Newer) - 97 - 144 months Loan	-	7.99%	144 Months
Details Maximum Discounted APR: 7.24% Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.42%
RV & Trailer Loan	-	7.99%	Up to 66 months
Details Maximum Discounted APR: 7.24%; Model Year: 2017 - 2022 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.42%
Motorcycle Loans (2023 and Newer) - 67-75 months	-	8.24%	75 Months
Details Maximum Discounted APR: 7.74% Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.42%
RV & Trailer Loan	-	8.49%	67 - 96 months
Details Maximum Discounted APR: 7.74%; Model Year: 2017 - 2022 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.42%
RV & Trailer (2023 and Newer) - 145 - 180 months Loan	-	8.74%	180 Months
Details Maximum Discounted APR: 7.99% Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.42%
RV & Trailer Loan	-	8.99%	97 - 144 months
Details Maximum Discounted APR: 8.24%; Model Year: 2017 - 2022 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.42%
RV & Trailer Loan	-	9.74%	145 - 180 months
Details Maximum Discounted APR: 8.99%; Model Year: 2017 - 2022 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.42%

Wheelhouse Credit Union Credit Card Rates

Product	Rate	APR
Visa Platinum Credit Card	-	12.99%
No additional details. Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.42%
Visa Platinum Rewards Credit Card	-	13.75%
No additional details. Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.42%

Wheelhouse Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Life Loan	-	-	12.49%	Up to 60 months
Details As low as; Inspired Checking APR*1 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.42%
Solar & Energy Efficient Loans - 121 - 144 months	-	-	7.99%	144 Months
Details As low as; Inspired Checking Rate: 7.74% Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.42%
Solar & Energy Efficient Loans - 145 - 180 months	-	-	8.24%	180 Months
Details As low as; Inspired Checking Rate: 7.99% Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.42%
Solar & Energy Efficient Loans - 181 - 240 months	-	-	8.49%	240 Months
Details As low as; Inspired Checking Rate: 8.24% Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.42%
Solar & Energy Efficient Loans - 61 - 96 months	-	-	6.99%	96 Months
Details As low as; Inspired Checking Rate: 6.74% Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.42%
Solar & Energy Efficient Loans - 97 - 120 months	-	-	7.24%	120 Months
Details As low as; Inspired Checking Rate: 6.99% Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.42%
Solar & Energy Efficient Loans - Up to 60 months	-	-	5.99%	Up to 60 months
Details As low as; Inspired Checking Rate: 5.74% Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.42%
Coverdell Education Savings	0.15%	-	0.15%
Min Balance $25 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.42%
Inspired Share/Savings	0.10%	-	0.10%
Min Balance $10,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.42%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Wheelhouse Credit Union’s Texas Ratio stayed near 0.52% in Q2 2023 to 0.42% in Q1 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
March 31, 2026	$457M	0.42%	5.0	A+
December 31, 2025	$448M	0.33%	5.0	A+
September 30, 2025	$425M	0.43%	5.0	A+
June 30, 2025	$420M	0.76%	5.0	A+
March 31, 2025	$428M	0.59%	5.0	A+
December 31, 2024	$442M	0.75%	5.0	A+
September 30, 2024	$438M	0.29%	5.0	A+
June 30, 2024	$440M	0.39%	5.0	A+
March 31, 2024	$437M	1.07%	5.0	A+
December 31, 2023	$436M	1.14%	5.0	A+
September 30, 2023	$433M	1.04%	5.0	A+
June 30, 2023	$431M	0.52%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Wheelhouse Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Wheelhouse Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Wheelhouse Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Wheelhouse Credit Union

Website https://www.wheelhousecu.com

Address 9212 Balboa Ave, San Diego, CA 92123-1514

Phone 619-297-4835

Fax

President Stephanie Rose

CEO Lisa Paul-Hill

Full-Time Employees 88

Part-Time Employees 1

Branch Locations 5

ATM Locations 4

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (100/100)

Texas Ratio

0.42%

Return on Assets (ROA)

0.0837%

Return on Equity (ROE)

1.0577%

Non-Performing Loans Ratio (NPL)

0.04%

Total Assets

456,770,671

Total Amount of Shares and Deposits

400,444,795

Total Shares and Deposits < 1 Year

390,379,038

Total Shares and Deposits 1 3 Years

8,304,610

Total Shares and Deposits > 3 Years

1,761,147

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

38,453,422

Total Uninsured Shares and Deposits > $250K (F+J)

38,453,422

Total Insured Shares and Deposits > $250K (item 17 less item K)

361,991,373

Total Interest Expense (Sum of items 6 8)

1,599,040

Share Certificates

2,840

Number of Accounts for Share Drafts

11,433

IRA KEOGH Accounts

515

Number of Accounts for Regular Shares

29,922

Money Market Shares

650

Net Income (unless the amount is already included in Undivided Earnings)

382,495

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

32,147,797

Total Liabilities

422,195,871

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

Wheelhouse Credit Union earned the Verified Healthy badge

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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

There are no reviews for Wheelhouse Credit Union yet. Feel free to create one below.

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Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for Wheelhouse Credit Union

Frequently Asked Questions About Wheelhouse Credit Union

How many branches does Wheelhouse Credit Union operate?

Wheelhouse Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Wheelhouse Credit Union?

Yes, to access services at Wheelhouse Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Wheelhouse Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Wheelhouse Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Wheelhouse Credit Union offer online and mobile banking?

Most modern institutions like Wheelhouse Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.wheelhousecu.com.

Current Wheelhouse Credit Union Rates

12-Month CD3.75%
18-Month CD3.30%
24-Month CD3.25%
60-Month CD2.40%
Savings0.05%
MMA0.05%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Wheelhouse Credit Union Rates & Review September 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Wheelhouse Credit Union Texas Ratio

Wheelhouse Credit Union Health Trend

Wheelhouse Credit Union CD Rates

Wheelhouse Credit Union Savings Rates

Wheelhouse Credit Union Money Market Rates

Wheelhouse Credit Union Checking Rates

Wheelhouse Credit Union Home Equity & HELOC

Wheelhouse Credit Union Auto Loan Rates

Wheelhouse Credit Union RV, Boat and Powersport Loan Rates

Wheelhouse Credit Union Credit Card Rates

Wheelhouse Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Wheelhouse Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Wheelhouse Credit Union

How many branches does Wheelhouse Credit Union operate?

Is a member application needed to join Wheelhouse Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Wheelhouse Credit Union offer online and mobile banking?

Current Wheelhouse Credit Union Rates

Compare to Other Credit Unions