Today’s Best Rates

Inspired Checking

Average Daily Balance

Dividend Rate

APY*

Rates effective as of September 24, 2020

*APY – Annual Percentage Yield

See Product Details

Average Daily Balance

<$10,000.00

Dividend Rate

0.05%

APY*

0.05%

Average Daily Balance

$10,000+

Dividend Rate

0.25%

APY*

0.25%

Share Savings

Minimum Balance

Dividend Rate

APY

Rates effective as of September 24, 2020

See Product Details

Minimum Balance

$0+

Dividend Rate

0.05%

APY

0.05%

Inspired Share/Savings

Minimum Balance

Dividend Rate

APY*

Rates effective as of September 24, 2020

*APY – Annual Percentage Yield

See Product Details

Minimum Balance

Dividend Rate

0.05%

APY*

0.05%

Minimum Balance

$10,000.00+

Dividend Rate

0.10%

APY*

0.10%

Aspire Savings - Smart Start Program

Minimum Balance

Dividend Rate

APY

Rates effective as of September 24, 2020

Available to members between the ages of 13 to 25.

See Product Details

Minimum Balance

$100+

Dividend Rate

0.05%

APY

0.05%

Inspired Money Market

Minimum Balance

Dividend Rate

APY*

Rates effective as of September 24, 2020

*APY = Annual Percentage Yield. Dividend rates, APY and terms are subject to change. Dividend period is monthly. See your account disclosure for full details. Fees could reduce earnings.

Minimum Balance

$500 - $9,999.99

Dividend Rate

0.10%

APY*

0.10%

Minimum Balance

$10,000+

Dividend Rate

0.25%

APY*

0.25%

Money Market

Average Daily Balance

Dividend Rate

APY

Rates effective as of September 24, 2020

*APY = Annual Percentage Yield. Dividend rates, APY and terms are subject to change. Dividend period is monthly. See your account disclosure for full details. Fees could reduce earnings.

See Product Details

Average Daily Balance

$1,000.00 - $9,999.99

Dividend Rate

0.05%

APY

0.05%

Average Daily Balance

$10,000 - $24,999.99

Dividend Rate

0.05%

APY

0.05%

Average Daily Balance

$25,000 - $49,999.99

Dividend Rate

0.05%

APY

0.05%

Average Daily Balance

$50,000 - $89,999.99

Dividend Rate

0.10%

APY

0.10%

Average Daily Balance

$90,000 and above

Dividend Rate

0.10%

APY

0.10%

Coverdell Education Savings

Average Daily Balance

Dividend Rate

APY*

Rates effective as of September 24, 2020

*APY – Annual Percentage Yield

See Product Details

Average Daily Balance

$25.00+

Dividend Rate

0.15%

APY*

0.15%

Regular & IRA Certificates

Terms

Average Daily Balance

Dividend Rate

APY

Rates effective as of September 24, 2020

APY = Annual Percentage Yield. The rate contracted for Certificates remains in effect for the entire term of the account. Dividend period for Certificates is quarterly. The APY for Certificates assumes principal and dividends paid quarterly remain on deposit until maturity. If the dividends are withdrawn prior to maturity, the APY will be lower. Dividends withdrawn from IRAs may be considered a taxable distribution. Please consult a tax advisor. A penalty may be imposed for withdrawals made before maturity. Minimum daily balances must be maintained to earn dividends and avoid closure. See your account disclosure for full details.

* 3-month/91 day term not available on IRA certificates.

See Product Details

Terms

3 months* (91 day)

Average Daily Balance

$500.00 and above

Dividend Rate

0.25%

APY

0.25%

Terms

6 months

Average Daily Balance

$500.00 and above

Dividend Rate

0.25%

APY

0.25%

Terms

12 months

Average Daily Balance

$500.00 and above

Dividend Rate

0.50%

APY

0.50%

Terms

18 months

Average Daily Balance

$500.00 and above

Dividend Rate

0.60%

APY

0.60%

Terms

24 months

Average Daily Balance

$500.00 and above

Dividend Rate

0.75%

APY

0.75%

Terms

36 months

Average Daily Balance

$500.00 and above

Dividend Rate

0.90%

APY

0.90%

Terms

60 months

Average Daily Balance

$500.00 - $9,999.99

Dividend Rate

1.14%

APY

1.15%

Terms

60 months

Average Daily Balance

$10,000.00 - $89,999.99

Dividend Rate

1.19%

APY

1.20%

Terms

60 months

Average Daily Balance

$90,000.00 and above

Dividend Rate

1.24%

APY

1.25%

Coverdell Education Savings

Average Daily Balance

Dividend Rate

APY*

Rates effective as of September 24, 2020

*APY – Annual Percentage Yield

See Product Details

Average Daily Balance

$25.00+

Dividend Rate

0.15%

APY*

0.15%

Auto Loans (2017 and newer)

Terms

Promotional APR*

Estimated Monthly Payment
per $1,000

Auto Buying Service (NCI) APR*

Estimated Monthly Payment
per $1,000

Rates effective September 1, 2020

* APR = Annual Percentage Rate. All loans are subject to credit approval. Rates are determined based on credit-worthiness and applicable discounts. Rates and terms are subject to change. Other terms and conditions may apply. Additional discounts do not apply.

1Subject to credit and collateral approval. Rates and terms are effective September 1, 2020 and are subject to change without notice. Rates stated include a discount for using the Wheelhouse Credit Union Auto Buying Service, New Cars Inc. (NCI) and is valid for model years 2017 and newer and may not be combined with any other discount. Internal refinances are not eligible for the promotional rates. To qualify for a discount offer, you must purchase a new vehicle from New Cars Inc., and finance your purchase with Wheelhouse Credit Union.  Discount is 0.50% off of the approved interest rate for loan terms up to 66 months and discount is 0.25% off of the approved interest rate for loan terms of 67 to 84 months.

See Product Details

Terms

Up to 36 mos

Promotional APR*

As low as 1.99%

Estimated Monthly Payment
per $1,000

$28.64 (at 36 months)

Auto Buying Service (NCI) APR*

As low as 1.49%1

Estimated Monthly Payment
per $1,000

$28.42 (at 36 months)

Terms

37 - 66 mos

Promotional APR*

As low as 2.69%

Estimated Monthly Payment
per $1,000

$16.32 (at 66 months)

Auto Buying Service (NCI) APR*

As low as 2.19%1

Estimated Monthly Payment
per $1,000

$16.10 (at 66 months)

Terms

67 - 75 mos

Promotional APR*

As low as 2.99%

Estimated Monthly Payment
per $1,000

$14.63 (at 75 months)

Auto Buying Service (NCI) APR*

As low as 2.74%1

Estimated Monthly Payment
per $1,000

$14.52 (at 75 months)

Terms

76 - 84 mos

Promotional APR*

As low as 5.24%

Estimated Monthly Payment
per $1,000

$14.25 (at 84 months)

Auto Buying Service (NCI) APR*

As low as 4.99%1

Estimated Monthly Payment
per $1,000

$14.13 (at 84 months)

Auto Loans (2012 - 2016)

Terms

Promotional APR*

Estimated Monthly Payment
per $1,000

Auto Buying Service (NCI) APR*

Estimated Monthly Payment
per $1,000

Rates effective September 1, 2020

* APR = Annual Percentage Rate. All loans are subject to credit approval. Rates are determined based on credit-worthiness and applicable discounts. Other rates may be available for older vehicles. Rates and terms are subject to change. Other terms and conditions may apply. Additional rate discounts may be available. Please ask a representative for details.

1Subject to credit and collateral approval. Rates and terms are effective September 1, 2020 and are subject to change without notice. Rates stated include a discount for using the Wheelhouse Credit Union Auto Buying Service, New Cars Inc. (NCI) and is valid for model years 2016 to 2012 and may not be combined with any other discount. Internal refinances are not eligible for the promotional rates. To qualify for a discount offer, you must purchase a used vehicle from New Cars Inc., and finance your purchase with Wheelhouse Credit Union. Discount is 0.50% off of the approved interest rate for loan terms up to 66 months and discount is 0.25% off of the approved interest rate for loan terms of 67 to 84 months.

See Product Details

Terms

Up to 66 mos

Promotional APR*

As low as 3.74%

Estimated Monthly Payment
per $1,000

$16.79 (at 66 months)

Auto Buying Service (NCI) APR*

As low as 3.24%1

Estimated Monthly Payment
per $1,000

$16.56 (at 66 months)

Terms

67 - 75 mos

Promotional APR*

As low as 3.74%

Estimated Monthly Payment
per $1,000

$14.94 (at 75 months)

Auto Buying Service (NCI) APR*

As low as 3.49%1

Estimated Monthly Payment
per $1,000

$14.86 (at 75 months)

Terms

76 - 84 mos

Promotional APR*

As low as 5.99%

Estimated Monthly Payment
per $1,000

$14.60 (at 84 months)

Auto Buying Service (NCI) APR*

As low as 5.74%1

Estimated Monthly Payment
per $1,000

$14.48 (at 84 months)

Motorcycle Loans (2017 and Newer)

Terms

Minimum Loan Amount

APR*

Estimated monthly payment
per $1,000

With Ancillary Product Purchase APR*

Estimated monthly payment
per $1,000

Rates effective September 1, 2020

* APR = Annual Percentage Rate. All loans are subject to credit approval. Rates are determined based on credit-worthiness and applicable discounts. Rates and terms are subject to change. Other terms and conditions may apply. Additional rate discounts may be available. Please ask a representative for details.

1Subject to credit and collateral approval. Rates and terms are effective September 1, 2020 and are subject to change without notice. Rates stated include a discount for purchasing Mechanical Repair Coverage (MRC), Guaranteed Asset Protection (GAP) or Payment Protection from Wheelhouse Credit Union. Additional rate discounts may be available. Please ask a representative for details.

See Product Details

Terms

Up to 48 months

Minimum Loan Amount

$5,000

APR*

As low as 4.99%

Estimated monthly payment
per $1,000

$23.02 (at 48 months)

With Ancillary Product Purchase APR*

As low as 4.74%1

Estimated monthly payment
per $1,000

$22.91 (at 48 months)

Terms

49 - 66 months

Minimum Loan Amount

$7,500

APR*

As low as 5.99%

Estimated monthly payment
per $1,000

$17.82 (at 66 months)

With Ancillary Product Purchase APR*

As low as 5.74%1

Estimated monthly payment
per $1,000

$17.70 (at 66 months)

Terms

67 - 75 months

Minimum Loan Amount

$10,000

APR*

As low as 6.99%

Estimated monthly payment
per $1,000

$16.50 (at 75 months)

With Ancillary Product Purchase APR*

As low as 6.74%1

Estimated monthly payment
per $1,000

$16.38 (at 75 months)

Motorcycle Loans (2012 - 2016)

Terms

Minimum Loan Amount

APR*

Estimated monthly payment
per $1,000

With Ancillary Product Purchase APR*

Estimated monthly payment
per $1,000

Rates effective September 1, 2020

* APR = Annual Percentage Rate. All loans are subject to credit approval. Rates are determined based on credit-worthiness and applicable discounts. Rates and terms are subject to change. Other terms and conditions may apply. Additional rate discounts may be available. Please ask a representative for details.

1Subject to credit and collateral approval. Rates and terms are effective September 1, 2020 and are subject to change without notice. Rates stated include a discount for purchasing Mechanical Repair Coverage (MRC), Guaranteed Asset Protection (GAP) or Payment Protection from Wheelhouse Credit Union. Additional rate discounts may be available. Please ask a representative for details.

See Product Details

Terms

Up to 48 months

Minimum Loan Amount

$2,500

APR*

As low as 5.99%

Estimated monthly payment
per $1,000

$23.48 (at 48 months)

With Ancillary Product Purchase APR*

As low as 5.74%1

Estimated monthly payment
per $1,000

$23.37 (at 48 months)

Terms

49 - 66 months

Minimum Loan Amount

$5,000

APR*

As low as 6.99%

Estimated monthly payment
per $1,000

$18.29 (at 66 months)

With Ancillary Product Purchase APR*

As low as 6.74%1

Estimated monthly payment
per $1,000

$18.17 (at 66 months)

Terms

67 - 75 months

Minimum Loan Amount

$10,000

APR*

As low as 7.99%

Estimated monthly payment
per $1,000

$16.98 (at 75 months)

With Ancillary Product Purchase APR*

As low as 7.74%1

Estimated monthly payment
per $1,000

$16.86 (at 75 months)

Boats and Sports Craft (2017 and Newer)

Terms

Minimum Loan Amount

APR*

Estimated monthly payment
per $1,000

With Ancillary Purchase APR*

Estimated monthly payment
per $1,000

Rates effective September 1, 2020

* APR = Annual Percentage Rate. All loans are subject to credit approval. Rates are determined based on credit-worthiness and applicable discounts. Rates and terms are subject to change. Other terms and conditions may apply. Additional rate discounts may be available. Please ask a representative for details.

1Subject to credit and collateral approval. Rates and terms are effective September 1, 2020 and are subject to change without notice. Rates stated include a discount for purchasing Guaranteed Asset Protection (GAP) from Wheelhouse Credit Union. Please ask a representative for details.

See Product Details

Terms

Up to 66 months

Minimum Loan Amount

$7,500

APR*

As low as 6.99%

Estimated monthly payment
per $1,000

$18.29 (at 66 months)

With Ancillary Purchase APR*

As low as 6.49%1

Estimated monthly payment
per $1,000

$18.06 (at 66 months)

Terms

67 - 96 months

Minimum Loan Amount

$25,000

APR*

As low as 7.99%

Estimated monthly payment
per $1,000

$14.13 (at 96 months)

With Ancillary Purchase APR*

As low as 7.49%1

Estimated monthly payment
per $1,000

$13.88 (at 96 months)

Terms

97 - 144 months

Minimum Loan Amount

$50,000

APR*

As low as 8.99%

Estimated monthly payment
per $1,000

$11.37 (at 144 months)

With Ancillary Purchase APR*

As low as 8.49%1

Estimated monthly payment
per $1,000

$11.09 (at 144 months)

Boats and Sports Craft (2016 and Older)

Terms

Minimum Loan Amount

APR*

Estimated monthly payment
per $1,000

With Ancillary Purchase APR*

Estimated monthly payment
per $1,000

Rates effective September 1, 2020

* APR = Annual Percentage Rate. All loans are subject to credit approval. Rates are determined based on credit-worthiness and applicable discounts. Rates and terms are subject to change. Other terms and conditions may apply. Additional rate discounts may be available. Please ask a representative for details.

1Subject to credit and collateral approval. Rates and terms are effective September 1, 2020 and are subject to change without notice. Rates stated include a discount for purchasing Guaranteed Asset Protection (GAP) from Wheelhouse Credit Union. Please ask a representative for details.

See Product Details

Terms

Up to 66 months

Minimum Loan Amount

$7,500

APR*

As low as 7.99%

Estimated monthly payment
per $1,000

$18.77 (at 66 months)

With Ancillary Purchase APR*

As low as 7.49%1

Estimated monthly payment
per $1,000

$18.53 (at 66 months)

Terms

67 - 96 months

Minimum Loan Amount

$25,000

APR*

As low as 8.99%

Estimated monthly payment
per $1,000

$14.65 (at 96 months)

With Ancillary Purchase APR*

As low as 8.49%1

Estimated monthly payment
per $1,000

$14.39 (at 96 months)

Terms

97 - 144 months

Minimum Loan Amount

$50,000

APR*

As low as 9.99%

Estimated monthly payment
per $1,000

$11.95 (at 144 months)

With Ancillary Purchase APR*

As low as 9.49%1

Estimated monthly payment
per $1,000

$11.66 (at 144 months)

Recreational Vehicles (2017 and Newer)

Terms

Minimum Loan Amount

APR*

Estimated monthly payment
per $1,000

With Ancillary Product Purchase APR*

Estimated monthly payment
per $1,000

Rates effective September 1, 2020

* APR = Annual Percentage Rate. All loans are subject to credit approval. Rates are determined based on credit-worthiness and applicable discounts. Rates and terms are subject to change. Rate discounts may be available. Ask a representative for details. Other terms and conditions may apply.

1Subject to credit and collateral approval. Rates and terms are effective September 1, 2020 and are subject to change without notice. Rates stated include a 0.50% discount for purchasing Guaranteed Asset Protection (GAP) from Wheelhouse Credit Union. Please ask a representative for details.

Rate discount of 0.25% is available when purchasing Payment Protection from Wheelhouse Credit Union. Maximum discount cannot exceed 0.50%.
See Product Details

Terms

Up to 66 months

Minimum Loan Amount

$7,500

APR*

As low as 6.49%

Estimated monthly payment
per $1,000

$18.06 (at 66 months)

With Ancillary Product Purchase APR*

As low as 5.99%1

Estimated monthly payment
per $1,000

$17.82 (at 66 months)

Terms

67 - 96 months

Minimum Loan Amount

$25,000

APR*

As low as 7.49%

Estimated monthly payment
per $1,000

$13.88 (at 96 months)

With Ancillary Product Purchase APR*

As low as 6.99%1

Estimated monthly payment
per $1,000

$13.63 (at 96 months)

Terms

97 - 144 months

Minimum Loan Amount

$50,000

APR*

As low as 8.49%

Estimated monthly payment
per $1,000

$11.09 (at 144 months)

With Ancillary Product Purchase APR*

As low as 7.99%1

Estimated monthly payment
per $1,000

$10.82 (at 144 months)

Recreational Vehicles (2010 - 2016)

Terms

Minimum Loan Amount

APR*

Estimated monthly payment
per $1,000

With Ancillary Product Purchase APR*

Estimated monthly payment
per $1,000

Rates effective September 1, 2020

* APR = Annual Percentage Rate. All loans are subject to credit approval. Rates are determined based on credit-worthiness and applicable discounts. Rates and terms are subject to change. Rate discounts may be available. Ask a representative for details. Other terms and conditions may apply.

1Subject to credit and collateral approval. Rates and terms are effective September 1, 2020 and are subject to change without notice. Rates stated include a 0.50% discount for purchasing Guaranteed Asset Protection (GAP) from Wheelhouse Credit Union. Please ask a representative for details.

Rate discount of 0.25% is available when purchasing Payment Protection from Wheelhouse Credit Union. Maximum discount cannot exceed 0.50%.

See Product Details

Terms

Up to 66 months

Minimum Loan Amount

$7,500

APR*

As low as 7.49%

Estimated monthly payment
per $1,000

$18.53 (at 66 months)

With Ancillary Product Purchase APR*

As low as 6.99%1

Estimated monthly payment
per $1,000

$18.29 (at 66 months)

Terms

67 - 96 months

Minimum Loan Amount

$25,000

APR*

As low as 8.49%

Estimated monthly payment
per $1,000

$14.39 (at 96 months)

With Ancillary Product Purchase APR*

As low as 7.99%1

Estimated monthly payment
per $1,000

$14.13 (at 96 months)

Terms

97 - 144 months

Minimum Loan Amount

$50,000

APR*

As low as 9.49%

Estimated monthly payment
per $1,000

$11.66 (at 144 months)

With Ancillary Product Purchase APR*

As low as 8.99%1

Estimated monthly payment
per $1,000

$11.37 (at 144 months)

Wheelhouse Credit Cards

Card

APR

Rates as of September 21, 2020

See full summary of rates and terms

See Product Details

Card

Visa® Platinum Credit Card

APR

9.49% - 21.49% APR*

Card

Visa® Platinum Rewards Credit Card

APR

10.25% - 22.25% APR*

Solar and Energy Efficient Loans

Terms

Maximum Loan Amount

APR*

Estimated monthly payment per $1,000

* APR = Annual Percentage Rate. All loans are subject to credit approval. Rates are based on credit worthiness, payment method and loan term. Rates are effective September 1, 2020 and are subject to change without notice.

+ Payment may be deferred for up to 120 days from loan funding. Interest will accrue during the deferral period. Not all borrowers will qualify.
++ Payment may be deferred for up to 90 days from loan funding. Interest will accrue during the deferral period. Not all borrowers will qualify.

Energy Efficient Loans includes Water Conservation program.

Product Details for Solar Product Details for Energy Efficient

Terms

Up to 96 months

Maximum Loan Amount

$80,000

APR*

As low as 4.49%+

Estimated monthly payment per $1,000

$12.42 (at 96 months)

Terms

97 - 144 months

Maximum Loan Amount

$80,000

APR*

As low as 5.49%+

Estimated monthly payment per $1,000

$9.50 (at 144 months)

Terms

145 - 240 months

Maximum Loan Amount

$80,000

APR*

As low as 6.99%++

Estimated monthly payment per $1,000

$7.75 (at 240 months)

Personal Loans

Loan Type

Terms

Minimum Loan Amount

APR*

Estimated monthly payment per $1,000

Rates effective September 1, 2020

* APR = Annual Percentage Rate. All loans are subject to credit approval. Rates are determined based on credit-worthiness and applicable discounts. Rates and terms are subject to change. Other terms and conditions may apply. Additional rate discounts may be available. Please ask a representative for details.

**Rates stated include a discount of 0.25% APR with the purchase of an ancillary product.

1 No additional discounts apply. Rates are determined based on savings or certificate rate plus a 3% margin. Certificate Secured loans are due and payable upon maturity of the certificate account.

See Product Details

Loan Type

Life Loan

Terms

Up to 60 months

Minimum Loan Amount

$500

APR*

As low as 7.49%**

Estimated monthly payment per $1,000

$20.03 (at 60 months)

Loan Type

Bill Consolidation Loan

Terms

Up to 60 months

Minimum Loan Amount

$500

APR*

As low as 14.24%**

Estimated monthly payment per $1,000

$23.52 (at 60 months)

Loan Type

Shared Secured1

Terms

Up to 120 months

Minimum Loan Amount

$100

APR*

Savings rate + 3% APR

Estimated monthly payment per $1,000

Loan Type

Certificate Secured1

Terms

60 months or up to certificate term

Minimum Loan Amount

$500

APR*

Certificate rate + 3% APR

Estimated monthly payment per $1,000

Line of Credit

Loan Type

Maximum Loan Amount

APR*

Rates effective September 1, 2020

* APR = Annual Percentage Rate. All loans are subject to credit approval. Rates are determined based on credit-worthiness and applicable discounts. Rates and terms are subject to change. Other terms and conditions may apply.

** Rate stated include a discount of 0.25% APR with the purchase of an ancillary product.

tRates are effective 08/01/2020 and are subject to change without notice. 2.99% introductory APR through December 31, 2020. After that, standard APR as low as 12.49% APR, based on credit-worthiness. Other terms and conditions may apply.

Loan Type

Relief Loan (New limited-time offer)

Maximum Loan Amount

$5,000

APR*

As low as 2.99%t

Loan Type

1010 Police Department Loan

Maximum Loan Amount

$2,500

APR*

As low as 9.11%

Loan Type

Money on Request

Maximum Loan Amount

$15,000

APR*

As low as 12.49%**

We offer fixed or adjustable-rate closed-end, simple interest loans used for home purchase or refinance, including:

  • Purchase or Refinance
  • Jumbo or Conforming
  • FHA and VA
  • 1st-Time Homebuyer

Visit the Mortgage Center or call our Wheelhouse Mortgage Specialist at 619-278-5771 to apply today!

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