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Disclosures

*APY = Annual Percentage Yield

Participating Partners

¹WorkPlace Benefits Banking (WBB) is available to employees of Wheelhouse® Credit Union’s partner employers (Participating Partners). For eligibility information or if you are interested in becoming a partner employer, please visit https://wheelhousecreditunion.formstack.com/forms/workplace_banking.

²Banking Incentives (Bonus Offers) are valid only for current employees of Wheelhouse Participating Partners; current paystub is required to be eligible to apply. Other restrictions may apply.

Checking Bonus Offer is not available to existing Wheelhouse checking members. Auto Loan (purchase or refinance) and Credit Card Bonus Offer are not available to existing Wheelhouse members who have current auto loans or credit cards (Collectively, Offers).

Bonus Offers are not available to those whose accounts have been closed within 90 days or closed with a negative balance within the last 3 years. You can receive only one new checking account opening related bonus every two years from the last coupon enrollment date and only one bonus per account. Coupon is good for one-time use.

To receive any of the above Banking Incentive Offers, the enrolled account must not be closed or restricted at the time of payout. Eligibility may be limited based on account ownership.

To receive the Checking Bonus Offer: 1) open a new Wheelhouse Checking account, which is subject to approval; AND 2) have your direct deposit made to this account within 90 days of coupon enrollment. Your direct deposit needs to be an electronic deposit of your paycheck, pension, or government benefits (such as Social Security) from your employer or the government. Person-to-Person payments (such as Zelle®) are not considered direct deposit. Micro deposits do not qualify as a direct deposit for the bonus. Micro-deposits are small deposits, typically less than $1, that are sent to your account to verify it is the correct account. After you have completed all the above checking requirements and the account has been open for 120 days, the bonus will be deposited into your new Checking account the following day. within 15 days. Membership required.

Auto Loan Purchase or Refinance Bonus Offer You will qualify for $300 total bonus cash rewards if you 1) apply for an Auto Loan Purchase or Refinance (2017 or newer), which is subject to credit approval, and 2) meet all loan requirements. Offer is valid for current employees of Wheelhouse® Participating Partners only.

To receive the Auto Loan Purchase or Refinance Bonus Offer: Membership required. Once the loan requirements have been met, the bonus will automatically be deposited to the Member’s primary share account. The value of this reward may constitute taxable income to you.

Credit Card Bonus Offer: You will qualify for $300 total bonus cash rewards if you 1) Open a new Wheelhouse® Credit Card, which is subject to credit approval; and 2) if you use your new credit card account to make any combination of purchase transactions totaling at least $1,000 (excluding any fees) that post to your account within 120 days of the account open date. Returns, credits, and adjustments to this card will be deducted from purchases, even if this card was not the original payment method. Cash Advances and Balance Transfers are not considered purchases and do not apply for purposes of this offer. Limit 1 bonus cash rewards offer per new account. This one-time promotion is limited to current employees of Wheelhouse Participating Partners only and who become new members opening a new account in response to this offer and will not apply to requests to convert existing accounts. Your account must be open with active charging privileges to receive this offer. Other advertised promotional bonus cash reward offers can vary from this promotion and may not be substituted.

To receive the Credit Card Bonus Offer: Membership required. Once the credit card account requirements have been met, the bonus will automatically be deposited to the Member’s primary share account. The value of this reward may constitute taxable income to you. Bonuses are considered interest, and you may be issued an Internal Revenue Service Form 1099 (or other appropriate form) that reflects the value of such reward. Please consult your tax advisor, as neither we, nor our affiliates, provide tax advice.

Bonuses may be considered taxable as income, and you may be issued an Internal Revenue Service Form 1099 (or other appropriate form) that reflects the value of such reward. Please consult your tax advisor, as neither we, nor our affiliates, provide tax advice.

³Inspired Checking

To receive the APY of 3.00%, you must make a minimum of 20 qualifying purchase transactions using your Wheelhouse® Visa® debit card associated with an Inspired Checking account per calendar month and/or maintain an average daily balance of $75,000 or higher. No minimum balance is required to earn dividends. Inspired Checking is a variable rate account. The APY may change after account opening. Fees could reduce earnings on the account.

Inspired Checking requires the following within 90 days of account opening: initial minimum deposit of $10, at least $450 in recurring monthly direct deposits, active digital banking registration, and enrollment in eStatements. If requirements are not met and maintained, the account will be converted to a Basic Checking account, which may be subject to different terms, conditions, and restrictions. Membership required.

Wheelhouse Online Bill Pay: You must enroll in Wheelhouse online banking and activate Online Bill Pay. Certain restrictions may apply.

Wheelhouse Mobile App is available for select mobile devices. Enroll in Wheelhouse Online Banking or on the Wheelhouse Mobile app. Deposits made through the Wheelhouse Mobile app are subject to deposit limits and funds are typically available by next business day. Deposit limits may change at any time. Other restrictions apply. See Account Agreement for eligible mobile devices, limitations, terms, conditions, and details. Message and data rates may apply.

Zelle® requires a U.S. checking account. Transactions between enrolled users typically occur in minutes and generally do not incur transaction fees. Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

Contact a Team Member for further information. Other terms and conditions may apply.

©2025 Wheelhouse Credit Union | Federally insured by NCUA

⁴Auto Loans

All loans subject to credit and collateral approval. Contact a Team Member for further information. Membership required.

With our payment deferral option, you can postpone payments for up to 90 days, based on creditworthiness. Interest will continue to accrue during this period.

⁵Credit Card Terms & Conditions

Visa is a registered trademark. ©2025 Visa. All Rights Reserved.

APR = Annual Percentage Rate. Certain restrictions and fee(s) may apply. All loans are subject to credit approval. The APR will vary with the market based on the Prime Rate. Additionally, fees may reduce earnings on the account. See Terms & Conditions for details. Membership and credit are subject to approval. A one-time $1 membership fee and savings account are required. Restrictions may apply. Available for new accounts only. This offer may be used once only by the name herein and is not transferable.