Today’s Best Rates

Inspired & Inspired Plus Checking Account

Requirements

Dividend Rate

APY*

Rates effective as of 11/22/2024

*APY = Annual Percentage Yield.

1Inspired Checking is a variable rate account and rate and yield are subject to change without notice. Inspired Checking requires monthly direct deposit of $450 or more, an active online banking registration and eStatements within 90 days of account opening. If requirements are not met and maintained, account will be converted to a Basic Checking Account. Other restrictions, terms and conditions may apply. Membership is required.

2To receive the rate of 3.00% APY, 20 (twenty) purchase transactions using the Wheelhouse Visa® Debit Card(s) associated with the Inspired Checking account per calendar month required.

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Requirements

20+ Debit Card Purchase Transactions2

Dividend Rate

2.96%

APY*

3.00%

Requirements

<$9,999.99 Average Daily Balance

Dividend Rate

0.10%

APY*

0.10%

Requirements

$10,000 - $74,999.99 Average Daily Balance

Dividend Rate

1.00%

APY*

1.00%

Requirements

$75,000+ Average Daily Balance

Dividend Rate

2.96%

APY*

3.00%

Share Savings

Minimum Balance

Dividend Rate

APY*

Rates effective as of 11/22/2024

*APY = Annual Percentage Yield. Dividend rates, APY and terms are subject to change. Dividend period is monthly. Fees could reduce earnings.

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Minimum Balance

$0+

Dividend Rate

0.05%

APY*

0.05%

Inspired Share/Savings

Minimum Balance

Dividend Rate

APY*

Rates effective as of 11/22/2024

*APY = Annual Percentage Yield. Dividend rates, APY and terms are subject to change. Dividend period is monthly. Fees could reduce earnings.

See Product Details

Minimum Balance

<$9,999.99

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 11/22/2024

*APY = Annual Percentage Yield. Dividend rates, APY and terms are subject to change. Dividend period is monthly. Fees could reduce earnings.

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 11/22/2024

*APY = Annual Percentage Yield. Dividend rates, APY and terms are subject to change. Dividend period is monthly. 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 11/22/2024

*APY = Annual Percentage Yield. Dividend rates, APY and terms are subject to change. Dividend period is monthly. 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 are effective as of 11/22/2024

*APY = Annual Percentage Yield. Dividend rates, APY and terms are subject to change. Dividend period is monthly. Fees could reduce earnings.

See Product Details

Average Daily Balance

$25.00+

Dividend Rate

0.15%

APY*

0.15%

Promotional Term Certificates & IRA Certificates

Tier

$500 - $9,999

$10,000 - $89,999

$90,000 - $500,000

Rates are effective as of 11/22/2024

*APY = Annual Percentage Yield. Your Certificate will automatically renew at maturity for the same time period as the original term at the prevailing rate. The rate contracted for Certificates remains in effect for the entire term of the Certificate. 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 Certificates may be considered a taxable distribution. Please consult a tax advisor. A penalty may be imposed for withdrawals made before maturity. Fees could reduce earnings on the account. See your account disclosure for full details. Other terms, conditions, services, and restrictions are subject to change without notice.

1All new money required for the 4-month, 8-month, 11-month and 15-month Certificate promotion with a minimum opening balance of $500 and a maximum deposit of $500,000. Upon maturing, a promotional 4-month Certificate will roll into a non-promotional 6-month Certificate, a promotional 8-month Certificate will roll into a non-promotional 12-month Certificate, a promotional 11-month Certificate will roll into a non-promotional 12-month Certificate and a promotional 15-month Certificate will roll into a non-promotional 18-month Certificate at the prevailing APY.

See Product Details

Tier

Terms

$500 - $9,999

Dividend Rate

APY*

$10,000 - $89,999

Dividend Rate

APY*

$90,000 - $500,000

Dividend Rate

APY*

Tier

15 months1

$500 - $9,999

3.45%

3.50%

$10,000 - $89,999

3.45%

3.50%

$90,000 - $500,000

3.45%

3.50%

Tier

11 months1

$500 - $9,999

3.80%

3.85%

$10,000 - $89,999

3.80%

3.85%

$90,000 - $500,000

3.80%

3.85%

Tier

8 months1

$500 - $9,999

4.18%

4.25%

$10,000 - $89,999

4.18%

4.25%

$90,000 - $500,000

4.18%

4.25%

Tier

4 months1

$500 - $9,999

3.70%

3.75%

$10,000 - $89,999

3.70%

3.75%

$90,000 - $500,000

3.70%

3.75%

Term Certificates & IRA Certificates

Tier

$500 - $9,999

$10,000 - $89,999

$90,000+

Rates effective as of 11/22/2024

*APY = Annual Percentage Yield. The APY for Term/IRA 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. You should consult a tax professional about withdrawn Term/IRA Certificate dividends, which may be taxable. A penalty may be imposed for withdrawals made before maturity. Fees could reduce earnings on the account. See account disclosure for full details or contact a Team Member for further information.
Membership required. Federally Insured by NCUA.

23-month term not available on IRA Certificates.

See Product Details

Tier

Terms

$500 - $9,999

Dividend Rate

APY*

$10,000 - $89,999

Dividend Rate

APY*

$90,000+

Dividend Rate

APY*

Tier

60 months

$500 - $9,999

2.48%

2.50%

$10,000 - $89,999

2.48%

2.50%

$90,000+

2.48%

2.50%

Tier

36 months

$500 - $9,999

2.48%

2.50%

$10,000 - $89,999

2.48%

2.50%

$90,000+

2.48%

2.50%

Tier

24 months

$500 - $9,999

2.72%

2.75%

$10,000 - $89,999

2.72%

2.75%

$90,000+

2.72%

2.75%

Tier

18 months

$500 - $9,999

3.36%

3.40%

$10,000 - $89,999

3.36%

3.40%

$90,000+

3.36%

3.40%

Tier

12 months

$500 - $9,999

3.70%

3.75%

$10,000 - $89,999

3.70%

3.75%

$90,000+

3.70%

3.75%

Tier

6 months

$500 - $9,999

4.18%

4.25%

$10,000 - $89,999

4.18%

4.25%

$90,000+

4.18%

4.25%

Tier

3 months2

$500 - $9,999

1.79%

1.80%

$10,000 - $89,999

1.79%

1.80%

$90,000+

1.79%

1.80%

Coverdell Education Savings

Average Daily Balance

Dividend Rate

APY*

Rates are effective as of 11/22/2024

*APY = Annual Percentage Yield. Dividend rates, APY and terms are subject to change. Dividend period is monthly. Fees could reduce earnings.

See Product Details

Average Daily Balance

$25.00+

Dividend Rate

0.15%

APY*

0.15%

Auto Loans (2021 and newer)

Terms

APR*
As low as

Estimated Monthly Payment
per $1,000

Discounted APR*1
As low as

Estimated Discounted Monthly Payment
per $1,000

* APR = Annual Percentage Rate. Rates are effective as of December 1, 2024 and are subject to change without notice.

1 Discounted Rates stated include discounts for using Wheelhouse Credit Union’s auto buying service, New Cars Inc. (NCI), purchasing any two (2) ancillary products, and setting up loan auto-pay using your Inspired Checking Account. Internal refinances may not be eligible for all discounted rates. Subject to credit and collateral approval. Rates are determined based on credit-worthiness and applicable discounts.

  • To qualify for a discounted rate of 0.50% on terms up to 66 months or 0.25% on terms between 67-84 months, you must purchase a new vehicle from our auto buying service, New Cars Inc (NCI), and finance your purchase with Wheelhouse Credit Union.
  • To qualify for a discounted rate of 0.25%, you must purchase any two (2) ancillary products.
  • To qualify for a discounted rate of 0.25%, you must set up automatic loan payments from your Inspired Checking Account on new eligible loans.

Contact a Team Member for further information. Other terms, conditions, and restrictions may apply. Membership is required. Federally insured by NCUA.

See Product Details

Terms

Up to 48 mos

APR*
As low as

5.99%

Estimated Monthly Payment
per $1,000

$23.48

Discounted APR*1
As low as

4.99%

Estimated Discounted Monthly Payment
per $1,000

$23.02

Terms

Up to 66 mos

APR*
As low as

6.24%

Estimated Monthly Payment
per $1,000

$17.94

Discounted APR*1
As low as

5.24%

Estimated Discounted Monthly Payment
per $1,000

$17.47

Terms

67 - 75 mos

APR*
As low as

6.74%

Estimated Monthly Payment
per $1,000

$16.38

Discounted APR*1
As low as

5.99%

Estimated Discounted Monthly Payment
per $1,000

$16.02

Terms

76 - 84 mos

APR*
As low as

7.49%

Estimated Monthly Payment
per $1,000

$15.33

Discounted APR*1
As low as

6.74%

Estimated Discounted Monthly Payment
per $1,000

$14.97

Auto Loans (2017 - 2020)

Terms

APR*
As low as

Estimated Monthly Payment
per $1,000

Discounted APR*1
As low as

Estimated Discounted Monthly Payment
per $1,000

* APR = Annual Percentage Rate. Rates are effective as of December 1, 2024 and are subject to change without notice.

1 Discounted Rates stated include discounts for using Wheelhouse Credit Union’s auto buying service, New Cars Inc. (NCI), purchasing any two (2) ancillary products, and setting up loan auto-pay using your Inspired Checking Account. Internal refinances may not be eligible for all discounted rates. Subject to credit and collateral approval. Rates are determined based on credit-worthiness and applicable discounts.

  • To qualify for a discounted rate of 0.50% on terms up to 66 months or 0.25% on terms between 67-84 months, you must purchase a new vehicle from our auto buying service, New Cars Inc (NCI), and finance your purchase with Wheelhouse Credit Union.
  • To qualify for a discounted rate of 0.25%, you must purchase any two (2) ancillary products.
  • To qualify for a discounted rate of 0.25%, you must set up automatic loan payments from your Inspired Checking Account on new eligible loans.

Contact a Team Member for further information. Other terms, conditions, and restrictions may apply. Membership is required. Federally insured by NCUA.

See Product Details

Terms

Up to 48 mos

APR*
As low as

6.99%

Estimated Monthly Payment
per $1,000

$23.94

Discounted APR*1
As low as

5.99%

Estimated Discounted Monthly Payment
per $1,000

$23.48

Terms

Up to 66 mos

APR*
As low as

7.24%

Estimated Monthly Payment
per $1,000

$18.41

Discounted APR*1
As low as

6.24%

Estimated Discounted Monthly Payment
per $1,000

$17.94

Terms

67 - 75 mos

APR*
As low as

7.74%

Estimated Monthly Payment
per $1,000

$16.86

Discounted APR*1
As low as

6.99%

Estimated Discounted Monthly Payment
per $1,000

$16.50

Terms

76 - 84 mos

APR*
As low as

8.49%

Estimated Monthly Payment
per $1,000

$15.83

Discounted APR*1
As low as

7.74%

Estimated Discounted Monthly Payment
per $1,000

$15.46

Motorcycle Loans (2021 and Newer)

Terms

Minimum Loan Amount

APR*
As low as

Estimated monthly payment
per $1,000

Maximum Discounted APR*2
As low as

Estimated monthly payment
per $1,000

*APR = Annual Percentage Rate. Rates are effective as of December 1, 2024 and are subject to change without notice.

2Discounted Rate stated includes discounts for purchasing any ancillary product, and setting up loan autopay using your Inspired Checking Account. Subject to credit and collateral approval. Rates are determined based on creditworthiness and applicable discounts.

• To qualify for a discounted rate of 0.25%, you must purchase any ancillary product.
• To qualify for a discounted rate of 0.25%, you must set up automatic loan payments from your
Inspired Checking Account on new eligible loans.

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

Inspired Checking is a variable rate account. Inspired Checking requires monthly direct deposits totaling $450 or more, an active online banking registration and eStatements within 90 days of account opening. If requirements are not met and maintained, account will be converted to a Basic Checking Account. Other terms, conditions, services, and restrictions are subject to change without notice. Membership is required. Federally insured by NCUA.

See Product Details

Terms

Up to 48 months

Minimum Loan Amount

$5,000

APR*
As low as

7.24%

Estimated monthly payment
per $1,000

$24.06

Maximum Discounted APR*2
As low as

6.74%

Estimated monthly payment
per $1,000

$23.83

Terms

49 - 66 months

Minimum Loan Amount

$7,500

APR*
As low as

7.49%

Estimated monthly payment
per $1,000

$18.53

Maximum Discounted APR*2
As low as

6.99%

Estimated monthly payment
per $1,000

$18.29

Terms

67 - 75 months

Minimum Loan Amount

$10,000

APR*
As low as

8.49%

Estimated monthly payment
per $1,000

$17.23

Maximum Discounted APR*2
As low as

7.99%

Estimated monthly payment
per $1,000

$16.98

Motorcycle Loans (2017 - 2020)

Terms

Minimum Loan Amount

APR*
As low as

Estimated monthly payment
per $1,000

Maximum Discounted APR*2
As low as

Estimated monthly payment
per $1,000

*APR = Annual Percentage Rate. Rates are effective as of December 1, 2024 and are subject to change without notice.

2Discounted Rate stated includes discounts for purchasing any ancillary product, and setting up loan autopay using your Inspired Checking Account. Subject to credit and collateral approval. Rates are determined based on creditworthiness and applicable discounts.

• To qualify for a discounted rate of 0.25%, you must purchase any ancillary product.
• To qualify for a discounted rate of 0.25%, you must set up automatic loan payments from your
Inspired Checking Account on new eligible loans.

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

Inspired Checking is a variable rate account. Inspired Checking requires monthly direct deposits totaling $450 or more, an active online banking registration and eStatements within 90 days of account opening. If requirements are not met and maintained, account will be converted to a Basic Checking Account. Other terms, conditions, services, and restrictions are subject to change without notice. Membership is required. Federally insured by NCUA.

See Product Details

Terms

Up to 48 months

Minimum Loan Amount

$2,500

APR*
As low as

8.24%

Estimated monthly payment
per $1,000

$24.53

Maximum Discounted APR*2
As low as

7.74%

Estimated monthly payment
per $1,000

$24.29

Terms

49 - 66 months

Minimum Loan Amount

$5,000

APR*
As low as

8.49%

Estimated monthly payment
per $1,000

$19.02

Maximum Discounted APR*2
As low as

7.99%

Estimated monthly payment
per $1,000

$18.77

Terms

67 - 75 months

Minimum Loan Amount

$10,000

APR*
As low as

9.49%

Estimated monthly payment
per $1,000

$17.73

Maximum Discounted APR*2
As low as

8.99%

Estimated monthly payment
per $1,000

$17.48

RV and Trailer (2021 and Newer)

Terms

Minimum Loan Amount

APR*
As low as

Estimated monthly payment
per $1,000

Maximum Discounted APR*3
As low as

Estimated monthly payment
per $1,000

*APR = Annual Percentage Rate. Rates are effective as of December 1, 2024 and are subject to change without notice.

3Discounted Rate stated includes discounts for purchasing any ancillary product, and setting up loan autopay using your Inspired Checking Account. Subject to credit and collateral approval. Rates are determined based on creditworthiness and applicable discounts.

• To qualify for a discounted rate of 0.25%, you must purchase a Payment Protection ancillary product.
• To qualify for a discounted rate of 0.50%, you must purchase a GAP Protection ancillary product.
• To qualify for a discounted rate of 0.25%, you must set up automatic loan payments from your Inspired Checking Account on new eligible loans.

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

Inspired Checking is a variable rate account. Inspired Checking requires monthly direct deposits totaling $450 or more, an active online banking registration and eStatements within 90 days of account opening. If requirements are not met and maintained, account will be converted to a Basic Checking Account. Other terms, conditions, services, and restrictions are subject to change without notice. Membership is required. Federally insured by NCUA.

See Product Details

Terms

Up to 66 months

Minimum Loan Amount

$7,500

APR*
As low as

8.74%

Estimated monthly payment
per $1,000

$19.14

Maximum Discounted APR*3
As low as

7.99%

Estimated monthly payment
per $1,000

$18.77

Terms

67 - 96 months

Minimum Loan Amount

$25,000

APR*
As low as

9.24%

Estimated monthly payment
per $1,000

$14.78

Maximum Discounted APR*3
As low as

8.49%

Estimated monthly payment
per $1,000

$14.39

Terms

97 - 144 months

Minimum Loan Amount

$50,000

APR*
As low as

9.74%

Estimated monthly payment
per $1,000

$11.80

Maximum Discounted APR*3
As low as

8.99%

Estimated monthly payment
per $1,000

$11.37

Terms

145 - 180 months

Minimum Loan Amount

$50,000

APR*
As low as

10.24%

Estimated monthly payment
per $1,000

$10.89

Maximum Discounted APR*3
As low as

9.49%

Estimated monthly payment
per $1,000

$10.44

RV and Trailer (2015 - 2020)

Terms

Minimum Loan Amount

APR*
As low as

Estimated monthly payment
per $1,000

Maximum Discounted APR*3
As low as

Estimated monthly payment
per $1,000

*APR = Annual Percentage Rate. Rates are effective as of December 1, 2024 and are subject to change without notice.

3Discounted Rate stated includes discounts for purchasing any ancillary product, and setting up loan autopay using your Inspired Checking Account. Subject to credit and collateral approval. Rates are determined based on creditworthiness and applicable discounts.

• To qualify for a discounted rate of 0.25%, you must purchase a Payment Protection ancillary product.
• To qualify for a discounted rate of 0.50%, you must purchase a GAP Protection ancillary product.
• To qualify for a discounted rate of 0.25%, you must set up automatic loan payments from your Inspired Checking Account on new eligible loans.

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

Inspired Checking is a variable rate account. Inspired Checking requires monthly direct deposits totaling $450 or more, an active online banking registration and eStatements within 90 days of account opening. If requirements are not met and maintained, account will be converted to a Basic Checking Account. Other terms, conditions, services, and restrictions are subject to change without notice. Membership is required. Federally insured by NCUA.

See Product Details

Terms

Up to 66 months

Minimum Loan Amount

$7,500

APR*
As low as

9.74%

Estimated monthly payment
per $1,000

$19.63

Maximum Discounted APR*3
As low as

9.24%

Estimated monthly payment
per $1,000

$19.38

Terms

67 - 96 months

Minimum Loan Amount

$25,000

APR*
As low as

10.24%

Estimated monthly payment
per $1,000

$15.30

Maximum Discounted APR*3
As low as

9.74%

Estimated monthly payment
per $1,000

$15.04

Terms

97 - 144 months

Minimum Loan Amount

$50,000

APR*
As low as

10.74%

Estimated monthly payment
per $1,000

$12.38

Maximum Discounted APR*3
As low as

10.24%

Estimated monthly payment
per $1,000

$12.09

Terms

145 - 180 months

Minimum Loan Amount

$50,000

APR*
As low as

11.24%

Estimated monthly payment
per $1,000

$11.52

Maximum Discounted APR*3
As low as

10.74%

Estimated monthly payment
per $1,000

$11.20

Boat and Sports Craft (2021 and Newer)

Terms

Minimum Loan Amount

APR*
As low as

Estimated monthly payment
per $1,000

Maximum Discounted APR*4
As low as

Estimated monthly payment
per $1,000

*APR = Annual Percentage Rate. Rates are effective as of December 1, 2024 and are subject to change without notice.

4Discounted Rate stated includes discounts for purchasing any ancillary product, and setting up loan autopay using your Inspired Checking Account. Subject to credit and collateral approval. Rates are determined based on creditworthiness and applicable discounts.

• To qualify for a discounted rate of 0.25%, you must purchase a Payment Protection ancillary product.
• To qualify for a discounted rate of 0.50%, you must purchase a GAP Protection ancillary product.
• To qualify for a discounted rate of 0.25%, you must set up automatic loan payments from your Inspired Checking Account on new eligible loans.

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

Inspired Checking is a variable rate account. Inspired Checking requires monthly direct deposits totaling $450 or more, an active online banking registration and eStatements within 90 days of account opening. If requirements are not met and maintained, account will be converted to a Basic Checking Account. Other terms, conditions, services, and restrictions are subject to change without notice. Membership is required. Federally insured by NCUA.

See Product Details

Terms

Up to 66 months

Minimum Loan Amount

$7,500

APR*
As low as

10.49%

Estimated monthly payment
per $1,000

$20.00

Maximum Discounted APR*4
As low as

9.74%

Estimated monthly payment
per $1,000

$19.63

Terms

67 - 96 months

Minimum Loan Amount

$25,000

APR*
As low as

11.49%

Estimated monthly payment
per $1,000

$15.97

Maximum Discounted APR*4
As low as

10.74%

Estimated monthly payment
per $1,000

$15.57

Terms

97 - 144 months

Minimum Loan Amount

$50,000

APR*
As low as

12.49%

Estimated monthly payment
per $1,000

$13.43

Maximum Discounted APR*4
As low as

11.74%

Estimated monthly payment
per $1,000

$12.98

Boat and Sports Craft (2017 - 2020)

Terms

Minimum Loan Amount

APR*
As low as

Estimated monthly payment
per $1,000

Maximum Discounted APR*4
As low as

Estimated monthly payment
per $1,000

*APR = Annual Percentage Rate. Rates are effective as of December 1, 2024 and are subject to change without notice.

4Discounted Rate stated includes discounts for purchasing any ancillary product, and setting up loan autopay using your Inspired Checking Account. Subject to credit and collateral approval. Rates are determined based on creditworthiness and applicable discounts.

• To qualify for a discounted rate of 0.25%, you must purchase a Payment Protection ancillary product.
• To qualify for a discounted rate of 0.50%, you must purchase a GAP Protection ancillary product.
• To qualify for a discounted rate of 0.25%, you must set up automatic loan payments from your Inspired Checking Account on new eligible loans.

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

Inspired Checking is a variable rate account. Inspired Checking requires monthly direct deposits totaling $450 or more, an active online banking registration and eStatements within 90 days of account opening. If requirements are not met and maintained, account will be converted to a Basic Checking Account. Other terms, conditions, services, and restrictions are subject to change without notice. Membership is required. Federally insured by NCUA.

See Product Details

Terms

Up to 66 months

Minimum Loan Amount

$7,500

APR*
As low as

11.49%

Estimated monthly payment
per $1,000

$20.51

Maximum Discounted APR*4
As low as

10.74%

Estimated monthly payment
per $1,000

$20.13

Terms

67 - 96 months

Minimum Loan Amount

$25,000

APR*
As low as

12.49%

Estimated monthly payment
per $1,000

$16.52

Maximum Discounted APR*4
As low as

11.74%

Estimated monthly payment
per $1,000

$16.11

Terms

97 - 144 months

Minimum Loan Amount

$50,000

APR*
As low as

13.49%

Estimated monthly payment
per $1,000

$14.05

Maximum Discounted APR*4
As low as

12.74%

Estimated monthly payment
per $1,000

$13.59

Visa Credit Cards

Card

APR*

*APR = Annual Percentage Rate. Rates are effective as of November 21, 2024 and are subject to change without notice. All loans are subject to credit approval. The APR will vary with the market based on the prime rate.

See full summary of rates and terms

See Product Details

Card

Visa® Platinum Credit Card

APR*

14.24% - 26.24% APR*

Card

Visa® Platinum Rewards Credit Card

APR*

15.00% - 27.00% APR*

Solar and Energy Efficient Loans

Terms

Maximum Loan Amount

APR*
As low as

Estimated monthly payment per $1,000

With Inspired Checking2
As low as

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 December 1, 2024 and are subject to change without notice.

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

2Inspired Checking Loan Discount – Take 0.25% APR off when you open an Inspired Checking account with a new eligible loan and set up automatic loan payments from the Inspired Checking account (per eligible loan).

Inspired Checking is a variable rate account. Inspired Checking requires monthly direct deposits totaling $450 or more, an active online banking registration and eStatements within 90 days of account opening. If requirements are not met and maintained, account will be converted to a Basic Checking Account. Other terms, conditions, services, and restrictions are subject to change without notice. Membership is required. Federally insured by NCUA.

Energy Efficient Loans includes Water Conservation program.

Product Details for Solar Product Details for Energy Efficient

The CA. SB2, Atkins. Building Homes and Job Act imposes a fee of $75.
UCC-1 filing is required.

Terms

Up to 96 months1

Maximum Loan Amount

$80,000

APR*
As low as

7.24%

Estimated monthly payment per $1,000

$13.75

With Inspired Checking2
As low as

6.99%

Estimated monthly payment per $1,000

$13.63

Terms

97 - 144 months1

Maximum Loan Amount

$80,000

APR*
As low as

8.24%

Estimated monthly payment per $1,000

$10.96

With Inspired Checking2
As low as

7.99%

Estimated monthly payment per $1,000

$10.82

Terms

145 - 240 months1

Maximum Loan Amount

$80,000

APR*
As low as

8.74%

Estimated monthly payment per $1,000

$8.83

With Inspired Checking2
As low as

8.49%

Estimated monthly payment per $1,000

$8.67

Personal Loans

Loan Type

Terms

Loan Amount

With Ancillary Product Purchase
& Inspired Checking APR*1
As low as

Estimated monthly payment per $1,000

Rates effective December 1, 2024

* 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.

1 Rates stated includes a discount of 0.25% APR with the purchase of an ancillary product.

Inspired Checking Loan Discount – Take 0.25% APR off the standard rate when you open an Inspired Checking account with a new eligible loan and set up automatic loan payments from the Inspired Checking account (per eligible loan).

Inspired Checking is a variable rate account. Inspired Checking requires monthly direct deposits totaling $450 or more, an active online banking registration and eStatements within 90 days of account opening. If requirements are not met and maintained, account will be converted to a Basic Checking Account. Other terms, conditions, services, and restrictions are subject to change without notice. Membership is required. Federally insured by NCUA.

2 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

Loan Amount

$500 - $25,000

With Ancillary Product Purchase
& Inspired Checking APR*1
As low as

12.49%

Estimated monthly payment per $1,000

$22.49

Loan Type

Bill Consolidation Loan

Terms

Up to 60 months

Loan Amount

$500 - $20,000

With Ancillary Product Purchase
& Inspired Checking APR*1
As low as

15.99%

Estimated monthly payment per $1,000

$24.31

Loan Type

Terms

Loan Amount

With Ancillary Product Purchase
& Inspired Checking APR*1
As low as

Estimated monthly payment per $1,000

Loan Type

Loan Type

Terms

Terms

Loan Amount

Min. Loan Amount

With Ancillary Product Purchase
& Inspired Checking APR*1
As low as

APR*

Estimated monthly payment per $1,000

Loan Type

Share Secured2

Terms

Up to 120 months

Loan Amount

$100

With Ancillary Product Purchase
& Inspired Checking APR*1
As low as

Savings rate + 3% APR*

Estimated monthly payment per $1,000

Loan Type

Certificate Secured2

Terms

60 months or up to certificate term

Loan Amount

$500

With Ancillary Product Purchase
& Inspired Checking APR*1
As low as

Certificate rate + 3% APR*

Estimated monthly payment per $1,000

Line of Credit

Loan Type

Maximum Loan Amount

APR*
As low as

Rates effective December 1, 2024

* 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.

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

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

14.49%3

Home Equity Line of Credit

Combined Loan-To-Value (CLTV)

Loan Amount

Rate
(as low as)

Introductory APR*
(as low as)

Points

Second Home property types will require a 0.25% add-on to published rate. Investment property types will require a 0.50% add-on to published rate. $25,000 minimum loan amount. Other conditions may apply.

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

1Introductory 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 09/19/2024, the APR ranges from 9.00% – 11.00% 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 (https://www.wheelhousecu.com/files/201603_cfpb_booklet_heloc.pdf).

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 $75.00 at a variable interest rate of 9.00%.

During the 20-Year Repayment Period
• 239 payments of $90.00 at a variable interest rate of 9.00%.
• 1 payment of $86.09 at a variable interest rate of 9.00%.

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

See Product Details

Combined Loan-To-Value (CLTV)

Up to 75%

Loan Amount

$25,000 to $100,000

Rate
(as low as)

7.99%

Introductory APR*
(as low as)

7.99%

Points

0.000

Combined Loan-To-Value (CLTV)

Up to 65%

Loan Amount

$25,000 to $250,000

Rate
(as low as)

7.99%

Introductory APR*
(as low as)

7.99%

Points

0.000

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