Today's Best Rates
Whether you’re borrowing, saving, or spending, explore our rates and discover the value of banking with Wheelhouse.
Checking
3.00% APY*
Earn up to 3.00% APY* with Inspired Checking or Inspired Checking Plus.
Auto Loans
3.99% APR*
On a 48-Month Term when you finance through our auto buying partner and purchase two ancillary products.
Certificates
4.25% APY*
11-month Certificate with a $500 minimum opening deposit. New money required.
Inspired & Inspired Plus Checking Account
| Requirements | Dividend Rate | APY* |
|---|---|---|
| Minimum of 20 Debit Card Purchase Transactions2 | 2.96% | 3.00% |
| <$9,999.99 Average Daily Balance | 0.05% | 0.05% |
| $10,000 - $74,999.99 Average Daily Balance | .25% | .25% |
| $75,000+ Average Daily Balance | 1.98% | 2.00% |
Rates effective as of 04/17/2026
*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%, 20 (twenty) purchase transactions using the Wheelhouse Visa® Debit Card(s) associated with the Inspired Checking account per calendar month required.
Share Savings
| Minimum Balance | Dividend Rate | APY* |
|---|---|---|
| $0+ | 0.05% | 0.05% |
Rates effective as of 04/17/2026
*APY = Annual Percentage Yield. Dividend rates, APY and terms are subject to change. Dividend period is monthly. Fees could reduce earnings.
Inspired Share/Savings
| Minimum Balance | Dividend Rate | APY* |
|---|---|---|
| <$9,999.99 | 0.05% | 0.05% |
| $10,000.00+ | 0.10% | 0.10% |
Rates effective as of 04/17/2026
*APY = Annual Percentage Yield. Dividend rates, APY and terms are subject to change. Dividend period is monthly. Fees could reduce earnings.
Smart Start Program
| Minimum Balance | Dividend Rate | APY* | |
|---|---|---|---|
| Aspire First Savings1 | $0+ | 1.00% | 1.00% |
| Aspire Savings2 | $0+ | 1.00% | 1.00% |
Rates effective as of 04/17/2026
*APY = Annual Percentage Yield. Dividend rates, APY and terms are subject to change. Dividend period is monthly. Fees could reduce earnings.
1Available to members ages birth to 13.
2Available to members between the ages of 13 to 25.
Inspired Money Market
| Minimum Balance | Dividend Rate | APY* |
|---|---|---|
| $500 - $9,999.99 | 0.10% | 0.10% |
| $10,000+ | 0.25% | 0.25% |
Rates effective as of 04/17/2026
*APY = Annual Percentage Yield. Dividend rates, APY and terms are subject to change. Dividend period is monthly. Fees could reduce earnings.
Money Market
| Average Daily Balance | Dividend Rate | APY* |
|---|---|---|
| $1,000.00 - $9,999.99 | 0.05% | 0.05% |
| $10,000 - $24,999.99 | 0.05% | 0.05% |
| $25,000 - $49,999.99 | 0.05% | 0.05% |
| $50,000 - $89,999.99 | 0.10% | 0.10% |
| $90,000 and above | 0.10% | 0.10% |
Rates effective as of 04/17/2026
*APY = Annual Percentage Yield. Dividend rates, APY and terms are subject to change. Dividend period is monthly. Fees could reduce earnings.
Coverdell Education Savings
| Average Daily Balance | Dividend Rate | APY* |
|---|---|---|
| $25.00+ | 0.15% | 0.15% |
Rates are effective as of 04/17/2026
*APY = Annual Percentage Yield. Dividend rates, APY and terms are subject to change. Dividend period is monthly. Fees could reduce earnings.
Promotional Term Certificates & IRA Certificates
| Tier | $500 - $9,999 | $10,000 - $89,999 | $90,000 - $500,000 | |||
|---|---|---|---|---|---|---|
| Terms | Dividend Rate | APY* | Dividend Rate | APY* | Dividend Rate | APY* |
| 15 months1 | 3.21% | 3.25% | 3.21% | 3.25% | 3.21% | 3.25% |
| 11 months1 | 4.18% | 4.25% | 4.18% | 4.25% | 4.18% | 4.25% |
| 8 months1 | 4.09% | 4.15% | 4.09% | 4.15% | 4.09% | 4.15% |
| 4 months1 | 3.70% | 3.75% | 3.70% | 3.75% | 3.70% | 3.75% |
Rates are effective as of 04/17/2026
*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.
Term Certificates & IRA Certificates
| Tier | $500 - $9,999 | $10,000 - $89,999 | $90,000+ | |||
|---|---|---|---|---|---|---|
| Terms | Dividend Rate | APY* | Dividend Rate | APY* | Dividend Rate | APY* |
| 60 months | 2.38% | 2.40% | 2.38% | 2.40% | 2.38% | 2.40% |
| 36 months | 2.38% | 2.40% | 2.38% | 2.40% | 2.38% | 2.40% |
| 24 months | 3.21% | 3.25% | 3.21% | 3.25% | 3.21% | 3.25% |
| 18 months | 3.26% | 3.30% | 3.26% | 3.30% | 3.26% | 3.30% |
| 12 months | 3.70% | 3.75% | 3.70% | 3.75% | 3.70% | 3.75% |
| 6 months | 3.94% | 4.00% | 3.94% | 4.00% | 3.94% | 4.00% |
| 3 months2 | 1.69% | 1.70% | 1.69% | 1.70% | 1.69% | 1.70% |
Rates effective as of 04/17/2026
*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.
Coverdell Education Savings
| Average Daily Balance | Dividend Rate | APY* |
|---|---|---|
| $25.00+ | 0.15% | 0.15% |
Rates are effective as of 04/17/2026
*APY = Annual Percentage Yield. Dividend rates, APY and terms are subject to change. Dividend period is monthly. Fees could reduce earnings.
Auto Loans (2023 & 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 |
|---|---|---|---|---|
| Up to 48 mos | 4.99% | $23.02 | 3.99% | $22.57 |
| Up to 66 mos | 5.24% | $17.47 | 4.24% | $17.01 |
| 67-75 mos | 5.74% | $15.90 | 4.99% | $15.55 |
| 76-84 mos | 6.49% | $14.84 | 5.74% | $14.48 |
* APR = Annual Percentage Rate. Rates are effective as of August 1, 2026 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.
Auto Loans (2019 - 2022)
| Terms | APR* As low as | Estimated Monthly Payment per $1,000 | Discounted APR*1 As low as | Estimated Discounted Monthly Payment per $1,000 |
|---|---|---|---|---|
| Up to 48 mos | 5.99% | $23.48 | 4.99% | $23.02 |
| Up to 66 mos | 6.24% | $17.94 | 5.24% | $17.47 |
| 67-75 mos | 6.74% | $16.38 | 5.99% | $16.02 |
| 76 - 84 mos | 7.49% | $15.33 | 6.74% | $14.97 |
* APR = Annual Percentage Rate. Rates are effective as of August 1, 2026 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.
Motorcycle Loans (2023 and Newer)
| Terms | Minimum Loan Amount | APR* As low as | Estimated monthly payment per $1,000 | Maximum Discounted APR*† As low as | Estimated monthly payment per $1,000 |
|---|---|---|---|---|---|
| Up to 48 months | $5,000 | 6.99% | $23.94 | 6.49% | $23.71 |
| 49-66 months | $7,500 | 7.24% | $18.41 | 6.74% | $18.17 |
| 67-75 months | $10,000 | 8.24% | $17.10 | 7.74% | $16.86* |
*APR = Annual Percentage Rate. Rates are effective as of August 1, 2026 and are subject to change without notice.
†0.25% loan rate discount is only available on new eligible loans and require setting up automatic loan payments from an Inspired or Inspired Plus Checking account. One discount per qualifying loan.
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. Inspired Plus checking is subject to the same requirements as Inspired checking, plus a $9 monthly fee. If requirements are not met and maintained, the account will be converted to a Basic or Basic Plus Checking account, which may be subject to different terms and conditions and the auto pay discount will be removed. Access to Perks by Wheelhouse® will also be removed when applicable. Contact a Team Member for further information.
Rates as low as are valid for model years 2021 [this date may change] and newer and include the following discounts on new qualified loans: get a rate discount of 0.50% on terms up to 66 months or 0.25% on terms between 67-84 months when you purchase a vehicle using our auto buying service, New Cars Inc. (NCI) and finance it with Wheelhouse® Credit Union; purchase any two (2) ancillary products to get a 0.25% discount on the rate; and set up automatic loan payments via your Inspired Checking Account and get a 0.25% discount. All loans subject to credit and collateral approval. Contact a Team Member for further information.
© 2026 Wheelhouse Credit Union | Federally Insured by NCUA
Motorcycle Loans (2019 - 2022)
| Terms | Minimum Loan Amount | APR* As low as | Estimated monthly payment per $1,000 | Maximum Discounted APR*† As low as | Estimated monthly payment per $1,000 |
|---|---|---|---|---|---|
| Up to 48 months | $2,500 | 7.99% | $24.41 | 7.49% | $24.17 |
| 49 - 66 months | $5,000 | 8.24% | $18.89 | 7.74% | $18.65 |
| 67 - 75 months | $10,000 | 9.24% | $17.60 | 8.74% | $17.35 |
*APR = Annual Percentage Rate. Rates are effective as of August 1, 2026 and are subject to change without notice.
†0.25% loan rate discount is only available on new eligible loans and require setting up automatic loan payments from an Inspired or Inspired Plus Checking account. One discount per qualifying loan.
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. Inspired Plus checking is subject to the same requirements as Inspired checking, plus a $9 monthly fee. If requirements are not met and maintained, the account will be converted to a Basic or Basic Plus Checking account, which may be subject to different terms and conditions and the auto pay discount will be removed. Access to Perks by Wheelhouse® will also be removed when applicable. Contact a Team Member for further information.
Rates as low as are valid for model years 2017 to 2020 [these dates will change] and include the following discounts on new qualified loans: get a rate discount of 0.50% on terms up to 66 months or 0.25% on terms between 67-84 months when you purchase a vehicle using our auto buying service, New Cars Inc. (NCI) and finance it with Wheelhouse® Credit Union; purchase any two (2) ancillary products to get a 0.25% discount on the rate; and set up automatic loan payments via your Inspired Checking Account and get a 0.25% discount. All loans subject to credit and collateral approval. Contact a Team Member for further information.
Membership required. Federally Insured by NCUA.
RV & Trailer (2023 and Newer)
| Terms | Minimum Loan Amount | APR* as low as | Estimated Monthly payment per $1,000 | Maximum Discounted APR*1-2 As low as | Estimated monthly payment per $1,000 |
|---|---|---|---|---|---|
| Up to 66 months | $7,500 | 6.99% | $18.29 | 6.24% | $17.94 |
| 67 - 96 months | $25,000 | 7.49% | $13.88 | 6.74% | $13.50 |
| 97 - 144 months | $50,000 | 7.99% | $10.82 | 7.24% | $10.41 |
| 145 - 180 months | $50,000 | 8.74% | $9.99 | 7.99% | $9.55 |
*APR = Annual Percentage Rate. Rates are effective as of August 1, 2026 and are subject to change without notice.
1Rates as low as include the following discounts on new qualified loans: rate discount of 0.50% when two ancillary products (Debt Protection and GAP Protection) are purchased and get a rate discount of 0.25% for setting up automatic loan payments using your Inspired or Inspired Plus checking account. All loans subject to credit and collateral approval. Contact a Team Member for further information.
20.25% loan rate discount is only available on new eligible loans and require setting up automatic loan payments from an Inspired or Inspired Plus Checking account. One discount per qualifying loan.
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. Inspired Plus checking is subject to the same requirements as Inspired checking, plus a $9 monthly fee. If requirements are not met and maintained, the account will be converted to a Basic or Basic Plus Checking account, which may be subject to different terms and conditions and the auto pay discount will be removed. Access to Perks by Wheelhouse® will also be removed when applicable. Contact a Team Member for further information.
RV & Trailer (2017 - 2022)
| Terms | Minimum Loan Amount | APR* as low as | Estimated monthly payment per $1,000 | Maximum Discounted APR*1-2 as low as | Estimated monthly payment per $1,000 |
|---|---|---|---|---|---|
| Up to 66 months | $7,500 | 7.99% | $18.77 | 7.24% | $18.41 |
| 67 - 96 months | $25,000 | 8.49% | $14.39 | 7.74% | $14.00 |
| 97 - 144 months | $50,000 | 8.99% | $11.37 | 8.24% | $10.96 |
| 145 - 180 months | $50,000 | 9.74% | $10.59 | 8.99% | $10.14 |
*APR = Annual Percentage Rate. Rates are effective as of August 1, 2026 and are subject to change without notice.
1Rates as low as include the following discounts on new qualified loans: rate discount of 0.50% when two ancillary products (Debt Protection and GAP Protection) are purchased and get a rate discount of 0.25% for setting up automatic loan payments using your Inspired or Inspired Plus checking account. All loans subject to credit and collateral approval. Contact a Team Member for further information.
20.25% loan rate discount is only available on new eligible loans and require setting up automatic loan payments from an Inspired or Inspired Plus Checking account. One discount per qualifying loan.
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. Inspired Plus checking is subject to the same requirements as Inspired checking, plus a $9 monthly fee. If requirements are not met and maintained, the account will be converted to a Basic or Basic Plus Checking account, which may be subject to different terms and conditions and the auto pay discount will be removed. Access to Perks by Wheelhouse® will also be removed when applicable. Contact a Team Member for further information.
Boats & Sports Craft (2023 & Newer)
| Terms | Minimum Loan Amount | APR* As low as | Estimated monthly payment per $1,000 | Maximum Discounted APR*† As low as | Estimated monthly payment per $1,000 |
|---|---|---|---|---|---|
| Up to 66 months | $7,500 | 10.24% | $19.88 | 9.49% | $19.51 |
| 67 - 96 months | $25,000 | 11.24% | $15.84 | 10.49% | $15.43 |
| 97 - 144 months | $50,000 | 12.24% | $13.28 | 11.49% | $12.83 |
*APR = Annual Percentage Rate. Rates are effective as of August 1, 2026 and are subject to change without notice.
†0.25% loan rate discount is only available on new eligible loans and require setting up automatic loan payments from an Inspired or Inspired Plus Checking account. One discount per qualifying loan.
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. Inspired Plus checking is subject to the same requirements as Inspired checking, plus a $9 monthly fee. If requirements are not met and maintained, the account will be converted to a Basic or Basic Plus Checking account, which may be subject to different terms and conditions and the auto pay discount will be removed. Access to Perks by Wheelhouse® will also be removed when applicable. Contact a Team Member for further information.
Rates as low as are valid for model years 2021 [this date may change] and newer and include the following discounts on new qualified loans: get a rate discount of 0.50% on terms up to 66 months or 0.25% on terms between 67-84 months when you purchase a vehicle using our auto buying service, New Cars Inc. (NCI) and finance it with Wheelhouse® Credit Union; purchase any two (2) ancillary products to get a 0.25% discount on the rate; and set up automatic loan payments via your Inspired Checking Account and get a 0.25% discount. All loans subject to credit and collateral approval. Contact a Team Member for further information.
© 2026 Wheelhouse Credit Union | Federally Insured by NCUA
Boats & Sports Craft (2019 - 2022)
| Terms | Minimum Loan Amount | APR* As low as | Estimated monthly payment per $1,000 | Maximum Discounted APR*† As low as | Estimated monthly payment per $1,000 |
|---|---|---|---|---|---|
| Up to 66 months | $7,500 | 11.24% | $20.38 | 10.49% | $20.00 |
| 67 - 96 months | $25,000 | 12.24% | $16.38 | 11.49% | $15.97 |
| 97 - 144 months | $50,000 | 13.24% | $13.90 | 12.49% | $13.43 |
*APR = Annual Percentage Rate. Rates are effective as of August 1, 2026 and are subject to change without notice.
†0.25% loan rate discount is only available on new eligible loans and require setting up automatic loan payments from an Inspired or Inspired Plus Checking account. One discount per qualifying loan.
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. Inspired Plus checking is subject to the same requirements as Inspired checking, plus a $9 monthly fee. If requirements are not met and maintained, the account will be converted to a Basic or Basic Plus Checking account, which may be subject to different terms and conditions and the auto pay discount will be removed. Access to Perks by Wheelhouse® will also be removed when applicable. Contact a Team Member for further information.
Rates as low as are valid for model years 2017 to 2020 [these dates will change] and include the following discounts on new qualified loans: get a rate discount of 0.50% on terms up to 66 months or 0.25% on terms between 67-84 months when you purchase a vehicle using our auto buying service, New Cars Inc. (NCI) and finance it with Wheelhouse® Credit Union; purchase any two (2) ancillary products to get a 0.25% discount on the rate; and set up automatic loan payments via your Inspired Checking Account and get a 0.25% discount. All loans subject to credit and collateral approval. Contact a Team Member for further information.
Membership required. Federally Insured by NCUA.
Credit Cards
| Card | APR* |
|---|---|
| Visa® Platinum Credit Card | 12.99% - 24.99% |
| Visa® Platinum Rewards Credit Card | 13.75% - 25.75% |
*APR = Annual Percentage Rate. Rates are effective as of June 21, 2026 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.
Solar & 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 |
|---|---|---|---|---|---|
| Up to 60 months1 | $80,000 | 5.99% | $19.33 | 5.74% | $19.21 |
| 61 - 96 months1 | $80,000 | 6.99% | $13.63 | 6.74% | $13.50 |
| 97 - 120 months1 | $80,000 | 7.24% | $11.73 | 6.99% | $11.61 |
| 121 - 144 months1 | $80,000 | 7.99% | $10.82 | 7.74% | $10.68 |
| 145 - 180 months1 | $80,000 | 8.24% | $9.70 | 7.99% | $9.55 |
| 181 - 240 months1 | $80,000 | 8.49% | $8.67 | 8.24% | $8.51 |
* 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 August 10, 2026 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 Energy Efficient
The CA. SB2, Atkins. Building Homes and Job Act imposes a fee of $150.
UCC-1 filing is required.
Personal Loans
| Loan Type | Terms | Loan Amount | With Ancillary Product Purchase & Inspired Checking APR*1 As low as | Estimated monthly payment per $1,000 |
|---|---|---|---|---|
| Life Loan1 | Up to 60 months | $500 - $25,000 | 12.49% | $22.49 |
| Share Secured 2 | Up to 120 months | $100 | Savings rate + 3% APR* | |
| Certificate Secured2 | 60 months or up to certificate term | $500 | Certificate rate + 3% APR* |
Rates effective August 1, 2026
* 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 0.25% loan rate discount is only available on new eligible loans and require setting up automatic loan payments from an Inspired or Inspired Plus Checking account. One discount per qualifying loan. 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. Inspired Plus checking is subject to the same requirements as Inspired checking, plus a $9 monthly fee. If requirements are not met and maintained, the account will be converted to a Basic or Basic Plus Checking account, which may be subject to different terms and conditions and the auto pay discount will be removed. Access to Perks by Wheelhouse® will also be removed when applicable. Contact a Team Member for further information.
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.
Home Equity Line of Credit
| Combined Loan-To-Value (CLTV) | Loan Amount | Rate (as low as) | Introductory APR* (as low as) | Points |
|---|---|---|---|---|
| Up to 75% | $25,000 to $100,000 | 6.99% | 6.99% | 0.000 |
| Up to 65% | $25,000 to $250,000 | 6.99% | 6.99% | 0.000 |
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 08/01/2026 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 12/19/2024, the APR ranges from 8.50% – 10.50% 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 (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 Draw Period
• 12 payments of $58.25 at an initial interest rate of 6.99%.
• 108 payments of $70.83 at a variable interest rate of 8.50%.
During Repayment Period
• 239 payments of $86.79 at a variable interest rate of 8.50%.
• 1 payment of $84.27 at a variable interest rate of 8.50%.
Other terms and conditions may apply. Equal Housing Opportunity. Membership required.
Manufactured Home Loans (2011 & Newer)
| Terms | Maximum Loan Amount | APR* as low as | Estimated Monthly Payment per $1,000 | Discounted APR*1 As low as | Estimated Discounted Monthly Payment per $1,000 |
|---|---|---|---|---|---|
| Up to 66 mos | $700,000 | 5.74% | $17.70 | 5.24% | $17.47 |
| 67 - 96 mos | $700,000 | 6.24% | $13.26 | 5.74% | $13.02 |
| 97 - 144 mos | $700,000 | 6.74% | $10.15 | 6.24% | $9.88 |
| 145 - 180 mos | $700,000 | 7.24% | $9.12 | 6.74% | $8.84 |
| 181 - 240 mos | $700,000 | 7.49% | $8.05 | 6.99% | $7.75 |
*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 August 1, 2026 and are subject to change without notice.
1 Discounted Rates stated include discounts for purchasing Debt Protection Plan ancillary product, and setting up loan auto-pay using your Inspired or Inspired Plus Checking Account.
To qualify for a discounted rate of 0.25%, you must purchase Debt Protection Plan 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.
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.
Manufactured Home Loans (1976 - 2010)
| Terms | Maximum Loan Amount | APR* as low as | Estimated Monthly Payment per $1,000 | Discounted APR*1 As low as | Estimated Discounted Monthly Payment per $1,000 |
|---|---|---|---|---|---|
| Up to 66 mos | $700,000 | 7.24% | $18.41 | 6.74% | $18.17 |
| 67 - 96 mos | $700,000 | 7.74% | $14.00 | 7.24% | $13.75 |
| 97 - 144 mos | $700,000 | 8.24% | $10.96 | 7.74% | $10.68 |
| 145 - 180 mos | $700,000 | 8.74% | $9.99 | 8.24% | $9.70 |
| 181 - 240 mos | $700,000 | 8.99% | $8.99 | 8.49% | $8.67 |
*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 August 1, 2026 and are subject to change without notice.
1 Discounted Rates stated include discounts for purchasing Debt Protection Plan ancillary product, and setting up loan auto-pay using your Inspired or Inspired Plus Checking Account.
To qualify for a discounted rate of 0.25%, you must purchase Debt Protection Plan 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.
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.
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