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 99th largest credit union in the state of California. It is also the 847th largest credit union in the nation. It was established in 1934 and as of June of 2022, it had grown to 83 employees and 29,922 members at 4 locations. Wheelhouse Credit Union 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.
See current membership details

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 - YTD0.77%
Return on Equity - YTD10%
Annual Interest Income$6.5MM
Assets and Liabilities
AssetsQ2 2022vs Q2 2021$387.7MM$379.3MM
LoansQ2 2022vs Q2 2021$300.2MM$261.3MM
DepositsQ2 2022vs Q2 2021$338.3MM$333.0MM
Equity CapitalQ2 2022vs Q2 2021$30.3MM$30.2MM
Loan Loss AllowanceQ2 2022vs Q2 2021$2.2MM$2.3MM
Unbacked Noncurrent LoansQ2 2022vs Q2 2021$610.00K$768.00K
Real Estate OwnedQ2 2022vs Q2 2021$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% Up to $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% Up to $10k
0.10%*$50k*-Money Market
OTHER TIERS: 0.05% $1k - $50k

Wheelhouse Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.25%*$10k*-Inspired Checking
OTHER TIERS: 0.05% Up to $10k

Wheelhouse Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.00%$500-18 Month Certificate
2.27%*$90k*-22 Month Promotional Bump Certificate
OTHER TIERS: 2.22% $10k - $90k
2.27%*$90k*-33 Month Promotional Bump Certificate
OTHER TIERS: 2.22% $10k - $90k
2.02%*$90k*-33 Month Certificate
OTHER TIERS: 1.91% $500 - $10k | 1.96% $10k - $90k
2.02%*$90k*-22 Month Certificate
OTHER TIERS: 1.91% $500 - $10k | 1.96% $10k - $90k
2.02%*$90k*-11 Month Promotional Bump Certificate
OTHER TIERS: 1.96% $10k - $90k
1.76%*$90k*-11 Month Certificate
OTHER TIERS: 1.66% $500 - $10k | 1.71% $10k - $90k
1.45%*$90k*-60 Month Promotional Bump Certificate
OTHER TIERS: 1.41% $10k - $90k
1.21%*$90k*-24 Month Promotional Bump Certificate
OTHER TIERS: 1.15% $10k - $90k
1.20%*$90k*-60 Month Certificate
OTHER TIERS: 1.10% $500 - $10k | 1.15% $10k - $90k
1.10%*$90k*-36 Month Promotional Bump Certificate
OTHER TIERS: 0.85% $10k - $90k
1.05%*$90k*-36 Month Certificate
OTHER TIERS: 0.75% $500 - $10k | 0.80% $10k - $90k
0.95%*$90k*-24 Month Certificate
OTHER TIERS: 0.85% $500 - $10k | 0.90% $10k - $90k
0.75%*$90k*-12 Month Promotional Bump Certificate
OTHER TIERS: 0.70% $10k - $90k
0.60%*$90k*-6 Month Promotional Bump Certificate
OTHER TIERS: 0.55% $10k - $90k
0.55%*$90k*-3 Month Promotional Bump Certificate
OTHER TIERS: 0.50% $10k - $90k
0.50%*$90k*-12 Month Certificate
OTHER TIERS: 0.40% $500 - $10k | 0.45% $10k - $90k
0.35%*$90k*-6 Month Certificate
OTHER TIERS: 0.25% $500 - $10k | 0.30% $10k - $90k
0.30%*$90k*-3 Month Certificate
OTHER TIERS: 0.20% $500 - $10k | 0.25% $10k - $90k

Wheelhouse Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.00%$500-18 Month IRA Certificate
2.27%*$90k*-22 Month Promotional Bump IRA Certificate
OTHER TIERS: 2.22% $10k - $90k
2.27%*$90k*-33 Month Promotional Bump IRA Certificate
OTHER TIERS: 2.22% $10k - $90k
2.02%*$90k*-33 Month IRA Certificate
OTHER TIERS: 1.91% $500 - $10k | 1.96% $10k - $90k
2.02%*$90k*-22 Month IRA Certificate
OTHER TIERS: 1.91% $500 - $10k | 1.96% $10k - $90k
2.02%*$90k*-11 Month Promotional Bump IRA Certificate
OTHER TIERS: 1.96% $10k - $90k
1.76%*$90k*-11 Month IRA Certificate
OTHER TIERS: 1.66% $500 - $10k | 1.71% $10k - $90k
1.45%*$90k*-60 Month Promotional Bump IRA Certificate
OTHER TIERS: 1.41% $10k - $90k
1.21%*$90k*-24 Month Promotional Bump IRA Certificate
OTHER TIERS: 1.15% $10k - $90k
1.20%*$90k*-60 Month IRA Certificate
OTHER TIERS: 1.10% $500 - $10k | 1.15% $10k - $90k
1.10%*$90k*-36 Month Promotional Bump IRA Certificate
OTHER TIERS: 1.05% $10k - $90k
0.95%*$90k*-24 Month IRA Certificate
OTHER TIERS: 0.85% $500 - $10k | 0.90% $10k - $90k
0.85%*$90k*-36 Month IRA Certificate
OTHER TIERS: 0.75% $500 - $10k | 0.80% $10k - $90k
0.75%*$90k*-12 Month Promotional Bump IRA Certificate
OTHER TIERS: 0.70% $10k - $90k
0.60%*$90k*-6 Month Promotional Bump IRA Certificate
OTHER TIERS: 0.55% $10k - $90k
0.50%*$90k*-12 Month IRA Certificate
OTHER TIERS: 0.40% $500 - $10k | 0.45% $10k - $90k
0.35%*$90k*-6 Month IRA Certificate
OTHER TIERS: 0.25% $500 - $10k | 0.30% $10k - $90k
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

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