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Introductory rates as low as 7.99% APR* for the first 12 months(1). Home Equity Line of Credit. LEARN MORE. Copyright 2024 Wheelhouse Credit Union. Equal Housing Opportunity.

* APR = Annual Percentage Rate.
Rates are effective as of 10/01/2024 and are subject to change without notice. Rates are based on creditworthiness. Introductory rate is fixed for the first 12 months.

¹ Wheelhouse® Credit Union’s primary area of service is Southern California which includes San Diego County. Your home must be owner occupied and located in our service area. Introductory fixed APR is based on a combined loan-to-value (CLTV) and will remain in effect for 12 months from the date the Home Equity Line of Credit (HELOC) Agreement and Disclosure Statement was signed. Thereafter, the introductory APR will revert to a variable APR and will be adjusted on the first day of each billing cycle based on the WSJ Prime Rate + a margin up to 3.00% depending on loan parameters. As of 07/27/2023, the APR ranges from 9.50% – 11.50% APR. The maximum APR that can be applied is 18.00% and the minimum is 3.99%. Maximum credit limit subject to CLTV guidelines. Minimum credit line available is $25,000. You can obtain advances of credit for 10-years (Draw Period); the Draw Period will be followed by a Repayment Period as outlined in your HELOC Agreement. Property insurance is required. All loans are subject to credit approval, income verification, and satisfactory appraisal and collateral. Rates, terms, and fees are subject to change without notice. Please consult a tax advisor regarding the deductibility of interest. Download this PDF guide to learn more about What You Should Know About Home Equity Lines of Credit.
Draw Period: You can obtain advances of credit for 10-years (Draw Period). During the Draw Period, your minimum payment will equal the total of (a) the periodic finance charges, and other fees, charges and costs including without limitation, any other expenses or advances incurred by us under the Security Instrument and (b) accrued but unpaid interest for prior Billing Cycles. The Draw Period will be followed by a Repayment Period as outlined in your HELOC Agreement. During the Repayment Period, if any, your minimum payment will equal the fraction as outlined in your HELOC Agreement of your unpaid Account Balance at the end of the Draw Period, plus all periodic finance charges, and other fees, charges, and costs. All payments will be due monthly. The minimum payments may not be sufficient to fully repay the principal that is outstanding on your HELOC. If they are not, you will be required to pay the entire outstanding balance in a single payment and a balloon payment may result. Your minimum payments will not repay the principal that is outstanding on your line. You will be required to pay the entire outstanding balance in a single payment.

Minimum Payment Example: The information provided is based on an initial $10,000 advance at funding on an existing single-family home used as a primary residence. The assumed credit score is 720 with an assumed CLTV of 75% and a credit limit of $100,000.

During the 10-Year Draw Period
• 12 payments of $66.58 at an initial interest rate of 7.99%.
• 108 payments of $79.16 at a variable interest rate of 9.50%.

During the 20-Year Repayment Period
• 239 payments of $93.27 at a variable interest rate of 9.50%.
• 1 payment of $89.25 at a variable interest rate of 9.50%.

Other terms and conditions may apply. Equal Housing Opportunity. Membership required.

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Branches & ATMs

Welcome to Wheelhouse Credit Union! We are a San Diego Made^® credit union with four conveniently located branches in Kearny Mesa, El Cajon, Chula Vista and Downtown San Diego. Members can use the best CO-OP® ATM network with more than 30,000 surcharge-free ATMs nationwide. Plus, they get the best access to over 5,600 Shared Branch locations throughout the United States.

To locate a San Diego branch, surcharge-free ATM, or Shared Branch, simply search by city, state or zip code below. For directions, hours and special services available at each location, click on any branch name.

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Wheelhouse Credit Union Branches
Wheelhouse Credit Union ATMs
Surcharge-Free ATMs
Deposit Taking ATMs
CU Service Centers

Branches

chula vista 3rd ave

Chula Vista Branch

Address

344 F Street & Garrett Avenue
Chula Vista, CA 91910

Hours

Mon: 9:00am – 5:00pm
Tue: 9:00am – 5:00pm
Wed: 10:00am – 5:00pm
Thu: 9:00am – 5:00pm
Fri: 9:00am – 5:00pm

Holiday Closures
Full Holiday Schedule

Downtown Manager

Downtown Branch

Address

320 B Street
San Diego, CA 92101

Hours

Mon: 8:30am – 4:00pm
Tue: 8:30am – 4:00pm
Wed: 10:00am – 4:00pm
Thu: 8:30am – 4:00pm
Fri: 8:30am – 5:00pm

Holiday Closures
Full Holiday Schedule

El Cajon Branch Manager

El Cajon Branch

Address

306 Broadway
El Cajon, CA 92021

Hours

Mon: 9:00am – 5:00pm
Tue: 9:00am – 5:00pm
Wed: 10:00am – 5:00pm
Thu: 9:00am – 5:00pm
Fri: 9:00am – 5:00pm
Sat: 9:00am – 2:00pm

Holiday Closures
Full Holiday Schedule

Kearny Mea Branch

Kearny Mesa Branch

Address

9212 Balboa Avenue
San Diego, CA 92123

Hours

Mon: 9:00am – 5:00pm
Tue: 9:00am – 5:00pm
Wed: 10:00am – 5:00pm
Thu: 9:00am – 5:00pm
Fri: 9:00am – 5:00pm

Holiday Closures
Full Holiday Schedule

contact center staff

Phone Branch

Hours

Mon – Fri: 8:00am – 5:00pm
Sat: 9:00am – 2:00pm

(Local) 619-297-4835
(Toll Free) 888-907-3628

Holiday Closures
Full Holiday Schedule

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