Save for the retirement you deserve.
Whether you’re just starting out or growing your nest egg, our IRA options can help you plan confidently for the future.
Choose the path that's right for you
Compare your options. Both IRA options offer distinct advantages depending on your income, tax situation, and retirement goals.
Roth IRA
Tax-advantaged Growth Potential
Enjoy tax-advantaged retirement savings with flexible contribution options, tax-free qualified withdrawals, and terms that fit your goals.
Earnings grow tax-free
Flexible terms
Contribute at any age
Traditional IRA
Tax-deferred Growth Potential
Save for retirement with tax-advantaged IRA options, flexible terms, and low opening balances designed to fit your goals.
The Road To Retirement Starts With Better Choices.
Wheelhouse typically offers higher IRA rates because we operate under a different business model than banks.
Benefits are shared with the people who bank here.
Contribute on your schedule — monthly, annually, or whenever you're ready.
Instead of generating profits for outside shareholders, earnings can be returned to Members through higher IRA rates
NCUA-insured deposits up to $250,000. Your retirement savings are protected and secure with us.
Personalized service means taking the time to find a solution that works for you today and supports your future goals.
Set your course. Lock in your rate.
Select the IRA term that matches your savings timeline and financial goals.
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 If the dividends are withdrawn prior to maturity, the APY will be lower. Dividends withdrawn from Certificates may be considered a taxable distribution.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.
See How Your Savings Can Grow
We're a local credit union built around your goals — not profit margins. Our retirement tools and team make saving straightforward.
The Impact of Saving More
The Benefits of Compounding
What Will My Savings Be Worth?
Compare Two Certificates
Calculate Yield At Maturity
Not sure which IRA is right for you?
Compare options, ask questions, and build a retirement strategy that fits your goals. No pressure, just expert guidance from your local
Wheelhouse team.
Free, no-obligation consultations
In-person, phone, or virtual meetings
Personalized retirement planning support
Frequently Asked Questions
Like San Diego, banking is better when it’s easygoing.
The best option depends on factors such as your current tax bracket, expected retirement income, and long-term financial objectives. Wheelhouse's Financial Professional can help review your situation and explain the potential advantages of each account type.
Yes. Through our partnership with LPL Financial, Members have access to retirement planning guidance, including IRA options, 401(k) rollovers, investment strategies, and personalized financial reviews designed to help support long-term goals.
Need help? We’re here in San Diego.
Multiple ways to connect with us, whenever you need support.
Call Us
Speak with a member service representative
619-297-4835Mon-Fri: 8am-5pm
Sat: 9am-2pm
Contact Us
Reach out and a team member will follow up
Visit a Branch
Stop by one of our 4 San Diego locations