San Diego Made®
Bank Where You Belong
Access great rates and Member-driven support at Wheelhouse Credit Union.
All Wheelhouse Accounts Include
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Do it all with 24/7 Digital Banking
Pay bills, deposit checks, send money, and manage your digital wallet all in the Wheelhouse app.
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Stress-Free Courtesy Pay Available
Automatic transfer of funds from your designated account(s) if you don't have sufficient funds.
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Security You Can Count On
Use multi-factor authentication and integrated device security such as fingerprint and facial recognition to access your accounts.
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Send and Receive Money – No Extra App Needed
Use Zelle® for a fast, safe, and easy way to pay your friends and family.
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Debit Rewards 1
Earn 1 reward point for each $3 spent with your Visa® Debit Card.
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Full Service From Wherever You Are
Full service phone branch available during business hours to help with all your banking needs. No need to stop by a branch we're just a phone call away.
The Wheelhouse Difference
Wheelhouse Credit Union has been serving San Diegans since 1934, providing value, convenience and highly personalized service to Members living and working in our community. 90+ years later, the Credit Union remains dedicated to positively impacting the lives their Members, Employees, Community and Planet.
Checking Accounts
Smart banking starts here
Our competitive rates and perks let you choose the checking account that fits your needs. Pay bills, deposit checks, send money, and manage your finances all in the Wheelhouse app. Use multi-factor authentication and integrated device security such as fingerprint and facial recognition to access your accounts. Earn 1 reward point for each $3 spent with your Wheelhouse Visa® Debit Card.
- Inspired Plus Checking
- Inspired Checking
- Basic Plus Checking
- Basic Checking
- Access Checking
- Youth Access Checking
Savings Accounts
High yields for life’s long-term goals
A savings account can be an essential step in managing your finances, regardless of whether you're saving for specific goals or just want a secure place to keep your money. Our Savings Accounts come with some great perks: free online and mobile banking with access to over 30,000 surcharge free ATMs.
- Inspired Savings
- Regular Savings
- Inspired Money Market
- Youth Aspire Savings
- Coverdell Education Savings
Vehicle and Auto Loans
Lower rates to help you steer toward financial success
Wherever the road takes you, we have the right vehicle loan for your journey. From cars and trucks to motorcycles and RVs, enjoy low rates, flexible terms, and quick approvals. Get the freedom to ride, drive, or explore—your way.
- Automobiles
- Motorcycles
- RVs
- Boats
- Available Loan Rate Discounts
- Ask us how you can receive a rate discount on your loan.
Certificates & IRAs
Lock in rates and terms that work for you
Our high-yield Regular and IRA Certificates are perfect for those looking for an opportunity to earn more on their deposits. Whether you're searching for a short-term savings solution or a reliable way to earn more on your deposits, these flexible options give you the power to choose what works best for your financial goals. With a fixed rate and high-yield returns, Wheelhouse Regular/IRA Certificates make it easier than ever to make your money work harder.
Mortgage Products
Local knowledge for personalized solutions
Whether you’re looking for the comfort of a steady rate, or looking for a low variable rate, we are here to help. We make the process as simple as can be, so you can purchase or refinance with ease.
- Home Loans (Conventional, Jumbo, FHA, VA)
- Mortgage Refinance
- Home Equity Lines of Credit
- Reverse Mortgages
- Manufactured Home Loans
Solar and Energy Efficient Loans
Green financing fuels a cleaner, brighter future
Be part of the 25,000+ solar projects Wheelhouse has supported, powering over 244 million kilowatt hours of clean energy for our Members. Energy-efficient loans can help you save on electricity by financing a solar power system, home battery, and high-efficiency appliances. Plus, conserve water with a xeriscape yard. Solar and Energy efficient loans can be used for any of the following purposes:
- Solar Energy System
- Home Battery Energy System
- Roofing and Insulation
- Heating & Air Conditioning
- Energy Efficient Windows and Doors
- Car Charging System
- Xeriscape Landscaping
- LED Landscaping
Your Everyday Spending Just Got More Rewarding
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Use your debit card, credit card, or both
You’ll earn reward points every time you make a purchase.
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Points are combined
Every transaction helps you reach your next reward faster.
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Earn beyond standard points
Throughout the year, especially during holidays or special promotional periods, you can earn up to 5X points (and sometimes even more) at select retailers and categories like dining, travel, and everyday essentials.
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Utilize how you want
Redeem them for what suits you best, including gift cards and cash back.
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No annual fee
Just rewarding benefits on every swipe, tap, or click.
It's Easy to Join Wheelhouse Credit Union
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1Stop by a Branch - Visit any of our convenient branch locations to join in person.
Visit: Chula Vista, Kearny Mesa, Downtown, El Cajon -
2Call Us - Speak with a representative who can guide you through the process.
Call: 619-297-4835 -
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Digital Banking Technology
We want to make banking as simple and convenient as possible. That’s why we continually innovate to provide digital tools to help you manage your finances during your busy life.
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Mobile Deposit
Deposit checks in just a few taps using your smartphone.
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Quick Login and TouchID
Conveniently access your accounts on-the-go using our mobile app.
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Send and Receive Money with Zelle®
A fast, safe and free way to send money to friends, family and other people you trust, regardless of where they bank.
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Digital Wallet
Enjoy the convenience of having your cards digitally stored on your mobile device. Simply add your Wheelhouse Visa® Credit Card and Debit Card to any digital wallet app for easy access.
Wills & Trusts Planning
Members are eligible for discounted Will and Trust planning.
Automotive Museum Benefits
Purchase Membership to the San Diego Automotive Museum. Benefits of your SDAM Membership include unlimited visits to the museum, 10% off museum shop purchases, invitations to special events, access to the newsletter, and more.
Credit Union Travel
Members get free access to unbeatable rates at 1.2 million hotels worldwide, enjoy flexible bookings, and earn rewards when using your Wheelhouse Visa® Debit Credit Card to book.
Wheelhouse® is Committed To Giving Back
Our team is actively involved in the community throughout the year, and we’re proud to support a wide variety of organizations and efforts that have a positive impact on our beautiful City.
Ready to open a Wheelhouse Account?
Disclosures
1 Debit Reward Points are earned each time you use your Wheelhouse Credit Union Visa® Debit Card on qualifying Non-PIN based point-of-sale (POS) transactions. Qualifying Non-PIN based POS transactions include debit transactions, contactless payments, card swipes, and signature-based transactions. Cash advances and ATM transactions are not considered qualifying transactions. All reward points will post to your account upon verification of qualifying transactions. For every qualified three dollars ($3.00) charged to the cardholder’s enrolled debit card, you will earn one (1) reward point. Log in to Digital Banking to view and redeem points. For a complete list of qualifying categories, visit WheelhouseCU.com/BonusRewards. Contact the Cards & Operations Department at (619) 297-4835 with disputes regarding qualifying transactions.
Other restrictions, terms and conditions may apply. Membership is required.