downtown branch lobby

Resources for
our Members

We are Committed to You Letter to Members

We are here for you

Please check back for updates | This page was updated on May 15, 2020 at 4:11pm

Our Credit Union is committed to serving and supporting you through the development of the Coronavirus (COVID-19). We are keeping your funds safe and accessible to you and will continue to do so as an essential part of our community. As a federally insured institution, you can rest assured that your deposits are protected up to the maximum amount allotted by the National Credit Union Administration (NCUA). We are here for you. Wheelhouse is committed to providing stability, in a time of uncertainty, and financial relief, to our Members in need.

Relief Line of Credit2

If you are struggling to make your normal payments and day-to-day purchases, our Relief Line of Credit may be the right option for you. Get access to up to $5,000 at a 2.99% introductory APR* through 12/31/2020. After that, standard APR, as low as 12.49% APR, based on credit-worthiness.

Apply Today


Please choose one of the following options:

Reach us by phone

Contact Center Hours

Monday - Friday:
8:00am to 6:00pm
9:00am to 2:00pm


For further assistance, please email us. Do not include account information.

Steps to apply for relief line of credit

Member Service

Although we strongly encourage the use of our digital and mobile platforms, our Branches, Phone Branch, and more than 30,000 ATMs remain open and ready to serve you.

ATM Access

Our 30,000 ATMs are accessible and open. Use the link below to search a location near you.

Important Information Regarding Your Account: At Wheelhouse Credit Union, if accounts are overdrawn, any deposits are automatically applied to cover negative balances. However, we are committed to ensuring you have full access to your CARES Act stimulus funds. Please contact us if you have questions or need further information on how we can help you.

Branch hours, ATM and Shared Branch locations

Your well-being is our priority

For your health and safety, we continue to follow the CDC’s protocol to limit the spread of COVID-19. In our Branches:

  • All visitors to the Branches are required to wear a mask
  • Wheelhouse staff are wearing protective masks while assisting you.
  • We are limiting the number of people inside at any given time.
  • We use sanitized wipes before and after every transaction.
  • We disinfect pens, styluses, and PIN pads after every use. ATMs located outside our Branches are also disinfected regularly.
  • We are avoiding handshakes and hugs.
  • We are handling cash with extra care.
  • We have floor decals to help you keep a 6–foot distance between yourself and others.
  • We have clear plexiglass barriers along the teller line for added protection.

Thank you for your cooperation.

Bank by Appointment

During this time, you may make an appointment at any Branch by clicking here.


Our hearts go out to our Members who are experiencing financial hardships as a result of COVID-19. We are here to support you and have the following programs available. If you do not need financial relief, we encourage you to continue making your payments as usual.

Reduce Your Monthly Payment

Significantly reduce your monthly payment on a vehicle, personal, solar, or energy efficient loan. Our Payment Reduction option is a great way to reduce your monthly expenses and free up your cash flow.

  • Cost-effective
  • Continues to pay down interest
  • Reduces current payment
  • Allows reduced payment for up to six (6) months (a longer period of time than other relief options)
  • Pay less interest over time than other relief options


Payment Deferral1

We are now offering loan deferment options with no fees for vehicle loans, personal lines and loans, home equity lines of credit, and credit cards. Our Loan Deferment Program is flexible, so you can choose the deferral that is best-suited for your needs.

Lines of Credit, Home Equity Lines of Credit, and Credit Cards
Defer a payment for 30 days, up to three (3) months (90 days), with no additional fees. This option is available for request on a month-to-month basis.

Vehicle Loans and Personal Loans
Defer a payment for 30, 60, or 90 days, with no additional fees.



Relief Line of Credit2

If you are struggling to make your normal payments and day-to-day purchases, our Relief Line of Credit may be the right option for you. Get access to up to $5,000 at a 2.99% introductory APR* through 12/31/2020. After that, standard APR, as low as 12.49% APR, based on credit-worthiness.

Follow these steps to apply online:

1. Select “Apply for a Loan”
2. Choose “Line of Credit”
3. Select “Financial Assistance”
4. Enter your desired loan amount
5. Complete the application process



Residential Deferment Relief3

Payment deferrals are available for up to 90 days with no additional fees on:

  • Mortgage Loans
  • Solar Loans
  • Energy Efficient Loans

To request a Residential Deferral, please contact our Phone Branch and ask to speak to our Special Accounts Department.



SBA Paycheck Protection Program Loans

Thank you to all of those who have applied for an SBA PPP Loan through Wheelhouse Credit Union. At this time, we have received hundreds of applications and have reached our SBA PPP Portal capacity. Wheelhouse Credit Union is honored to have the opportunity to help local businesses through the SBA PPP Loan process.

Your Funds Are Protected

Your deposited funds are safe and protected at Wheelhouse Credit Union. As a state-chartered federally insured credit union, your money with Wheelhouse is protected by the National Credit Union Shared Insurance Fund. This is administered by the National Credit Union Administration (NCUA), a federal agency that insures deposit accounts up to $250,000.

Bank from Home

You can conduct many transactions from the comfort of your own home.

Below are some of the most common ways to utilize our Digital Banking, Mobile App, and Card Protection App to bank anywhere, anytime.

Digital Banking

  • View your transactions, balances and account details
  • Open a new account or start a new loan application
  • Pay anyone with “Money Move”
  • Schedule bill payment
  • Update your contact information
  • Transfer funds and make payments

Enroll or log in to Digital Banking

If you need assistance with enrollment or setup, please call us at 619-297-4835.

Mobile App

    • Make mobile deposits
    • View and manage your accounts
    • Schedule bill payments
    • Set alerts and notifications

Download for Android | Download for iOS

Card Protection App

  • Suspend card usage
  • Set transaction limits
  • Decline ATM transactions
  • Decline international transactions
  • Decline online transactions
  • Receive real-time alerts via SMS, email, and/or push notifications
    • Alerts include: Card not present, amount-based transactions, international transactions, declined transactions, gas station transactions, and ATM withdrawals

Download for Android | Download for iOS

Virtual Food Drive

Join us in supporting the San Diego Food Bank Virtual Food Drive.

Learn more
food drive center

Healthy Practices

We are following the health and safety guidelines provided by the Centers for Disease Control (CDC) and encourage our Members to do the same.

  • Keep at least a 6-foot distance from others
  • Wash your hands regularly with soap and water for at least 20 seconds
  • Use hand sanitizer that contains at least 60% alcohol
  • Avoid touching your eyes, nose, and mouth with unwashed hands
  • Regularly disinfect frequently touched surfaces
  • Increase ventilation by opening windows or adjusting air conditioning
Hands holding red heart

Latest Scam Alert

Stimulus Payment or Check Related Scams

Stimulus payments are paid in the form of direct deposits or through US Treasury checks. Fraudsters could steal checks out of the mail or produce counterfeit checks. Fraudsters may also contact individuals about overage payments received and ask for the overage to be sent back by cash, money order or wire transfer.

Solution – the Internal Revenue Service WILL NOT send a payment over what you are qualified to receive or ask that you send the overage back.

Wheelhouse is here to protect you. We have the available resources to verify the authenticity of US Treasury checks or verify funds deposited into your account.

Stimulus Payment Fraud

Fraudsters are contacting individuals through text, social media posts or phone calls informing them that they can get the stimulus payments faster or their payment is available pending verification of personal and banking information. These messages include a link directing individuals to a fraudulent government agency site called “U.S Emergency Grants Federation” or some other named agency. Visitors to the site are asked to provide personal and private information and in some cases, they are asked to pay a ‘processing fee’ in order to receive the stimulus payment.

Solution – Do not provide any information to the requested source, as the Internal Revenue Service (IRS), Social Security Department or other government entities do not contact individuals by social media posts, text messages, email or by phone. Also, the IRS will not use an outside agency to have your payment processed faster. To check the status of your payment, use the official IRS website at and navigate to the menu “GET MY PAYMENT”. You will need your 2018 or 2019 tax filing returns for verification.

If you are financially impacted by the Coronavirus, call us at


*APR = Annual Percentage Rate
1Interest will continue to accrue during the payment deferment and will cause your loan to extend beyond the original maturity date. This will change the total amount and schedule of repayment. All other terms and conditions of the loan will remain unchanged. Payment deferral available up to 90 days within a 12-month period. If your loan is protected with Credit Life and/or Disability, skipping a payment may subject your benefits to change or cancel. Refer to your Credit Life and/or Disability Contract. Either Member on the Loan Agreement may sign the COVID-19 Payment Extension Request Form. If you have GAP Insurance coverage on your loan, you can skip a maximum number of payments stated in your GAP agreement, during the life of the loan to receive full GAP coverage. Terms and conditions subject to change without notice.
2Additional discounts to not apply. All loans subject to credit approval. Payments will be due the 15th of every month, with a minimum payment amount of 3% of the balance, or $25, whichever is greater. Terms and conditions subject to change without notice.
3Borrow up to $5,000 at a 2.99% introductory APR* through 12/31/2020. After that, standard APR, as low as 12.49% APR, based on credit-worthiness. Subject to credit approval. Terms and conditions subject to change without notice.

You are leaving Wheelhouse Credit Union’s website. Links that may be accessed via this site are for the convenience of informational purposes only. Any products and services accessed through this link are not provided or guaranteed by Wheelhouse Credit Union. The site you are about to visit may have a privacy policy that is different than Wheelhouse Credit Union’s. Please review their privacy policy. Wheelhouse Credit Union does not endorse the content contained in these sites, nor the organizations publishing those sites, and hereby disclaims any responsibility for such content.

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