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 August 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: August 28, 2026

Wheelhouse Credit Union's 11 month rates are at 4.25%, 11-month CD rates are at 4.25%, 8 month rates are at 4.15%, 6 month rates are at 4.00%, 12 month rates are at 3.75%. 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 Personal Loan Rates are at 3.99%. 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 0.43%. Rates last updated and verified on 08/28/2026.

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.

Exceptional Health 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

0.43%

Excellent Lower than avg

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	4.18%	4.25%	11 months
Min Balance $500 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.43%
11-month Certificate	-	4.25%	11-month
Min Deposit $500 Details New money required. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.43%
8 month	4.09%	4.15%	8 months
Min Balance $500 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.43%
6 month	3.94%	4.00%	6 months
Min Balance $500 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.43%
12 month	3.70%	3.75%	12 months
Min Balance $500 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.43%
4 month	3.70%	3.75%	4 months
Min Balance $500 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.43%
18 month	3.26%	3.30%	18 months
Min Balance $500 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.43%
15 month	3.21%	3.25%	15 months
Min Balance $500 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.43%
24 month	3.21%	3.25%	24 months
Min Balance $500 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.43%
36 month	2.38%	2.40%	36 months
Min Balance $500 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.43%
60 month	2.38%	2.40%	60 months
Min Balance $500 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.43%
3 month	1.69%	1.70%	3 months
Min Balance $500 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.43%

Wheelhouse Credit Union Savings Rates

Product	Rate	APY
Aspire First Savings	1.00%	1.00%
Min Balance $0 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.43%
Aspire Savings	1.00%	1.00%
Min Balance $0 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.43%
Inspired Savings	-	0.10%
Min Balance $10,000 Details Earn more on your savings with tiered rates and easy access to your money whenever you need it.; No monthly fee; Access your account 24/7 via our Digital Banking Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.43%
Inspired Share/Savings	0.05%	0.05%
Min Balance $0 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.43%
Share Savings	0.05%	0.05%
Min Balance $0 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.43%

Wheelhouse Credit Union Money Market Rates

Product	Rate	APY
Inspired Money Market	0.25%	0.25%
Min Balance $10,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.43%
Inspired Money Market	0.10%	0.10%
Min Balance $500 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.43%
Money Market	0.10%	0.10%
Min Balance $50,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.43%
Money Market	0.05%	0.05%
Min Balance $1,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.43%

Wheelhouse Credit Union Checking Rates

Product	Rate	APY
Inspired & Inspired Plus Checking Account	2.96%	3.00%
Details Qualifications Required; Average Daily Balance: <$9,999.99 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.43%
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 purchase transactions using the Wheelhouse Visa® Debit Card(s) per calendar month; Inspired Checking is a variable rate account and rate and yield are subject to change without notice. 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 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.43%
Inspired Checking Plus	-	3.00%
Details Qualifications Required: monthly direct deposit of $450 or more; active online banking registration; eStatements within 90 days of account opening; 20 purchase transactions using the Wheelhouse Visa® Debit Card(s) per calendar month; Inspired Checking is a variable rate account and rate and yield are subject to change without notice. Inspired Checking 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 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.43%
Inspired & Inspired Plus Checking Account	1.98%	2.00%
Min Balance $75,000 Details Average Daily Balance: $75,000+ Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.43%
Inspired & Inspired Plus Checking Account	0.25%	0.25%
Min Balance $10,000 Details Average Daily Balance: $10,000 - $74,999.99 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.43%
Inspired & Inspired Plus Checking Account	0.05%	0.05%
Min Balance $0 Details Average Daily Balance: <$9,999.99 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.43%

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 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.43%

Wheelhouse Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Loans	-	-	3.99%	48-Month Term
Details As Low As; On a 48-Month Term when you finance through our auto buying partner and purchase two ancillary products. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.43%
Vehicle Loan (2023 And Newer)	-	-	4.99%	Up to 48 mos
Details Discounted APR: 3.99%; 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 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.43%
Vehicle Loan (2023 And Newer)	-	-	5.24%	Up to 66 mos
Details Discounted APR: 4.24%; 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 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.43%
Vehicle Loan (2023 And Newer)	-	-	5.74%	67-75 mos
Details Discounted APR: 4.99%; 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 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.43%
Auto Loan	-	-	5.99%	Up to 48 mos
Details Discounted APR: 4.99% Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.43%
Auto Loan	-	-	6.24%	Up to 66 mos
Details Discounted APR: 5.24% Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.43%
Vehicle Loan (2023 And Newer)	-	-	6.49%	76-84 mos
Details Discounted APR: 5.74%; 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 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.43%
Auto Loan	-	-	6.74%	67-75 mos
Details Discounted APR: 5.99% Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.43%
Auto Loan	-	-	7.49%	76 - 84 mos
Details Discounted APR: 6.74% Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.43%

Wheelhouse Credit Union Credit Card Rates

Product	Rate	APR
Visa® Platinum Credit Card	-	12.99%
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.43%
Visa® Platinum Rewards Credit Card	-	13.75%
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.43%

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.
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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 85

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

0.43%

Return on Assets (ROA)

0.1629%

Return on Equity (ROE)

2.0824%

Non-Performing Loans Ratio (NPL)

0.04%

Total Assets

424,965,298

Total Amount of Shares and Deposits

379,930,706

Total Shares and Deposits < 1 Year

367,995,307

Total Shares and Deposits 1 3 Years

9,575,349

Total Shares and Deposits > 3 Years

2,360,050

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

36,472,815

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

36,472,815

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

343,457,891

Total Interest Expense (Sum of items 6 8)

4,817,266

Share Certificates

2,510

Number of Accounts for Share Drafts

10,837

IRA KEOGH Accounts

530

Number of Accounts for Regular Shares

29,317

Money Market Shares

681

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

692,246

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)

32,373,643

Total Liabilities

393,328,073

Source: NCUA — Last Updated 09/30/2025

2026 MBR Health & Safety Badge

Wheelhouse Credit Union earned the Exceptional Health badge

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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.