Wheelhouse Credit Union


Overview / Commentary
619-297-4835
9212 Balboa Ave
San Diego, CA 92123

Wheelhouse Credit Union is headquartered in San Diego and is the 94th largest credit union in the state of California. It is also the 803rd largest credit union in the nation. It was established in 1934 and as of March of 2024, it had grown to 83 employees and 32,151 members at 4 locations. Wheelhouse Credit Union's CD rates are 5X the national average, and it has a B+ health rating.

Field of Membership Restrictions

Wheelhouse Credit Union is open to anyone who lives or works in San Diego County. Members of the Zoological Society (San Diego Zoo) also qualify for membership, regardless of where they live.
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Reviews (1)

Don't Bother

Posted by: |

Small overconservative CU. Requires excessive verification for everything.

Photo of drivers license, plus a scan mailed in (it was "lost" by first CSR), then a second scan mailed to HQ required just to open $10 membership savings. Two months time elapsed.

Another site listed a deposit bonus. Turned out no such thing existed.

Was invited by emailed name to open credit card. Something looked out of whack in the first few computer questions. Called CSR (Thank you, helpful!) Turns out application must be Reviewed by an Underwriter-- after usual borrower information is submitted and 4 questions plus hard pull come back satisfactorily. That's when you get approved, often within 1 day in banks. Review is often many CUs code for we're going to deny you by some trick such as unusual documentation. Which others have tried on me--a retired banking professional--just say no to passport, pay slip, make Social Security Administration confirm SSN, and worse.



Health
B+

Health Grade Components

Overall
NCUA #61003
Year Chartered1934
Employees83
Primary Regulator
Profit Margin
Return on Assets - YTD-0.21%
Return on Equity - YTD-3.17%
Annual Interest Income$5MM
Assets and Liabilities
AssetsQ1 2024vs Q1 2023$437.4MM$441.6MM
LoansQ1 2024vs Q1 2023$353MM$353.1MM
DepositsQ1 2024vs Q1 2023$372.7MM$355.6MM
Equity CapitalQ1 2024vs Q1 2023$29MM$29MM
Loan Loss AllowanceQ1 2024vs Q1 2023$2.5MM$2.3MM
Unbacked Noncurrent LoansQ1 2024vs Q1 2023$366K$120K
Real Estate OwnedQ1 2024vs Q1 2023$0$0
Rates
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Always verify rates and promotions with the bank or credit union. We are not Wheelhouse Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Wheelhouse Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.15%$25-Coverdell Education Savings
0.10%*$10k*-Inspired Share/Savings
OTHER TIERS: 0.05% $0 - $10k
0.05%$100-Regular Share Savings
0.05%$100-Aspire Savings

Wheelhouse Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.25%*$10k*-Inspired Money Market
OTHER TIERS: 0.10% $0 - $10k
0.10%*$50k*-Money Market
OTHER TIERS: 0.05% $1k - $50k

Wheelhouse Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.00%*$0$10kInspired Checking
OTHER TIERS: 0.10% $10k - $75k | 1.00% $75k+
3.00%$0-Inspired Checking - 20 Debit Card Purchase Transactions

Wheelhouse Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.75%$500-11 Month Promotional Certificate – New Money
4.65%$500-15 Month Promotional Certificate - New Money
4.50%$500-18 Month Certificate
4.50%$500-12 Month Certificate
4.00%$500-60 Month Certificate
3.75%$500-36 Month Certificate
3.75%$500-8 Month Promotional Certificate - New Money
3.50%$500-24 Month Certificate
3.00%$500-6 Month Certificate
2.50%$500-4 Month Promotional Certificate - New Money
0.30%$500-3 Month Certificate

Wheelhouse Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.75%$500-11 Month Promotional IRA Certificate - New Money
4.65%$500-15 Month Promotional IRA Certificate - New Money
4.50%$500-12 Month IRA Certificate
4.50%$500-18 Month IRA Certificate
4.00%$500-60 Month IRA Certificate
3.75%$500-36 Month IRA Certificate
3.75%$500-8 Month Promotional IRA Certificate - New Money
3.50%$500-24 Month IRA Certificate
3.00%$500-6 Month IRA Certificate
2.50%$500-4 Month Promotional IRA Certificate - New Money
Locations


Wheelhouse Credit Union Locations
Branch Office306 BroadwayEl Cajon, CA 92021
Branch Office320 B StSan Diego, CA 92101-4204
Branch Office344 F StChula Vista, CA 91910-2645
Branch Office9212 Balboa AveSan Diego, CA 92123

The financial institution, product, and APY (Annual Percentage Yield) data displayed on this website is gathered from various sources and may not reflect all of the offers available in your region. Although we strive to provide the most accurate data possible, we cannot guarantee its accuracy. The content displayed is for general information purposes only; always verify account details and availability with the financial institution before opening an account. Contact [email protected] to report inaccurate info or to request offers be included in this website. We are not affiliated with the financial institutions included in this website.