Enroll | Forgot Password? | Forgot Username?

Introductory rates as low as 7.99% APR* for the first 12 months(1). Home Equity Line of Credit. LEARN MORE. Copyright 2024 Wheelhouse Credit Union. Equal Housing Opportunity.

* APR = Annual Percentage Rate.
Rates are effective as of 09/01/2024 and are subject to change without notice. Rates are based on creditworthiness. Introductory rate is fixed for the first 12 months.

¹ Wheelhouse® Credit Union’s primary area of service is Southern California which includes San Diego County. Your home must be owner occupied and located in our service area. Introductory 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 07/27/2023, the APR ranges from 9.50% – 11.50% 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.
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 $79.16 at a variable interest rate of 9.50%.

During the 20-Year Repayment Period
• 239 payments of $93.27 at a variable interest rate of 9.50%.
• 1 payment of $89.25 at a variable interest rate of 9.50%.

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

Learn More

Wheelhouse Credit Union In The News

News, Events and Press Releases

News, Events and Press Releases

Find out what’s new and exciting at Wheelhouse Credit Union.

Media Relations: Jill Faucher, Vice President of Marketing, at 619-318-0318 or email at jfaucher@wheelhousecu.com.

Wheelhouse Honors San Diego County First Responders with 2024 Badge of Honor Scholarships

Wheelhouse Credit Union has awarded five $1,000 “Badge of Honor” Scholarships to college-bound students to honor the heroic efforts of San Diego County’s first responders and their families.
Wheelhouse Credit Union President & CEO Lisa Paul-Hill Named 2024 Business Non-Profit CEO of the Year

Wheelhouse is proud to announce that President & CEO Lisa Paul-Hill was named San Diego Business Journal’s 2024 business non-profit CEO of the Year.
Wheelhouse Credit Union Offering Two College Scholarship Programs For San Diego County High School Seniors

Open to any local students, these programs will provide $10,000 in scholarships
Wheelhouse Credit Union Presents Inaugural D. Cruz Gonzalez Memorial Grant to Cesar Chavez Elementary School

Wheelhouse Credit Union (Wheelhouse) recently awarded its first annual D. Cruz Gonzalez Memorial Grant to Cesar Chavez Elementary School, a Title 1 school in Southcrest.
Wheelhouse Credit Union is Proud to Participate in I Love a Clean San Diego

I Love A Clean San Diego will host the 39th annual Coastal Cleanup Day, bringing together thousands of volunteers at 100 cleanup sites throughout the region.
Wheelhouse Credit Union Announces 2023 Badge of Honor Scholarship Recipients

Wheelhouse Credit Union (Wheelhouse) has awarded three $1,000 “Badge of Honor” Scholarships to college-bound students, honoring the heroic efforts of San Diego County’s first responders and their families.
Congratulations to Lisa Paul-Hill, President and CEO, for being selected as an honoree for the SD Metro Magazine's 2023 Women of Inspiration and Accomplishment Award.

During her tenure she has directed the credit union to many incredible milestones including 62 percent growth in assets, loan growth at an astonishing 85 percent and 64 percent in membership growth, which grants more San Diegans access to some of San Diego’s best banking products.
Wheelhouse Credit Union Announces 2022 Badge of Honor Scholarship Recipients

Wheelhouse Credit Union has awarded five $1,000 “Badge of Honor” Scholarships to college-bound students, honoring the heroic efforts of San Diego County’s first responders and their families.
Two Ramona Students Receive Badge of Honor Scholarships

Two Ramona High School Students received Badge of Honor Scholarships for demonstrating leadership, public service, and a desire to make an impact on their schools and communities.
Wheelhouse Sponsors the San Diego Automotive Museum Alternative Fuel Exhibit

The San Diego Automotive Museum has announced its newest exhibit, Alternative Fuel: The Power Around Us. Presented by Wheelhouse Credit Union, the exhibit offers the opportunity to experience the ever-evolving world of alternative fuel technology in automobiles.
Wheelhouse joined with the Community to make opening day possible for Sunshine Little League

Sunshine Little League in City Heights kicked off the season Saturday at Sunshine Berardini Field with roughly 200 players, five games and a lot of grateful parents.
Wheelhouse Offering Two College Scholarship Programs

Wheelhouse invites local college-bound high school seniors to apply for the 2022 Badge of Honor Scholarship and Sustainability Scholarship.
Wheelhouse and San Diego Automotive Museum Partnership Achieves Over $15K in New Membership Revenues

Wheelhouse Credit Union (Wheelhouse) and San Diego Automotive Museum are excited to announce successful results from the organizations’ first year of partnership.
Congratulations to Michael Glogowski for being named as Wheelhouse Chief Information Officer

Wheelhouse Credit Union (Wheelhouse) announced that Michael Glogowski has been named Chief Information Officer for the credit union. Reporting to President/CEO Lisa Paul-Hill, he will lead all aspects of the Credit Union’s enterprise technologies and strategies.
Wheelhouse Awards Sustainability Scholarships To Five San Diego County High School Seniors

Wheelhouse Credit Union (Wheelhouse) is helping the next generation of environmental trail blazers by awarding five scholarships of $1,000 each to college-bound students through its annual Sustainability College Scholarship Program.
Two North County Students Receive Badge of Honor Scholarships From Wheelhouse

Wheelhouse Credit Union has awarded five $1,000 “Badge of Honor” Scholarships to college-bound students to honor the heroic efforts of San Diego County’s first responders and their families.
Congratulations to Lisa Paul-Hill on winning a North San Diego Business Chamber 2021 Leadership Award

Lisa Paul-Hill, President & CEO of Wheelhouse was recognized for her leadership in implementing Wheelhouse Credit Union’s SBA PPP Loan Program, commitment to San Diego climate goals, and her philanthropic work with Make-A-Wish San Diego.
Congratulations to Lisa Paul-Hill for being nominated for the SDBJ's 2021 CEO of the Year

Lisa Paul-Hill, President & CEO of Wheelhouse exemplifies the credit union principle of people helping people, and through the 2020 pandemic, played an integral role in helping hundreds of San Diego small businesses prevail.
Wheelhouse Offering Two College Scholarship Programs For San Diego High School Seniors

Wheelhouse Credit Union has launched two 2021 scholarship programs for college-bound high school seniors in San Diego County. Combined, these programs will provide $10,000 in scholarships to local students.
Wheelhouse Announces Badge of Honor Scholarship Winners

Wheelhouse has awarded eight $1,000 “Badge of Honor” Scholarships to college-bound students to honor the heroic efforts of first responders and their families during the pandemic.
Wheelhouse Awards Sustainability Scholarships To High School Seniors

Wheelhouse is helping the next generation of environmental trail blazers by awarding five scholarships of $1,000 each to college-bound students.
Wheelhouse launches Badge of Honor Scholarship Program

Wheelhouse is honoring the herioc efforts of those on the front lines during the COVID-19 pandemic by launching the “Badge of Honor” Scholarship Program for children of first responders.
Wheelhouse Offering SBA PPP Loans to San Diego Small Businesses

To help San Diego’s small businesses survive the economic challenges of the COVID-19 pandemic, Wheelhouse Credit Union is offering Paycheck Protection Program (PPP) loans through the SBA.
San Diego Food Bank Virtual Food Drive

Wheelhouse supported the San Diego Food Bank Virtual Food Drive with donations, food and volunteer work.
Butterfly Jungle presented by Wheelhouse CU

San Diego Zoo Safari Park Launches New Butterfly Cam to Bring these Amazing Insects to Online Visitors Presented by Wheelhouse Credit Union.
MAKE-A-WISH^® SAN DIEGO PARTNERS WITH WHEELHOUSE

Wheelhouse Credit Union partners with Make-A-Wish^® San Diego in Trailblaze Challenge^® San Diego to help grant life-affirming wishes for children battling critical illnesses.
Wheelhouse Branch Manager Receives Award

Aileen Gratton, Wheelhouse Branch Manager at the El Cajon Branch, receives the distinguish 2019 Business Volunteer of the Year Award at the East County Chamber Honors Annual Gala Dinner located at the Barona Events Center.
Wheelhouse Offering Sustainability Scholarships

Wheelhouse Credit Union invites college-bound high school seniors in San Diego County to apply for the 2020 Sustainability College Scholarship Program.
San Diego Magazine
Shaping Sustainability

Shaping Sustainability. San Diego Made and Proud is a phrase that applies as equally to Wheelhouse Credit Union as it does to CEO Lisa Paul-Hill.[January 2020 Digital Edition]
Ribbon Cutting Event
Downtown Branch Reopening

Wheelhouse Credit Union recently held the official grand reopening of its redesigned branch in historic downtown San Diego’s financial district.
San Diego Magazine
Branch Re-Opening

Wheelhouse Reopens Downtown Branch. Completely remodeled branch brings a modern service experience to members.

You are leaving Wheelhouse® Credit Union’s website. Links that may be accessed via this site are for the convenience of informational purposes only. Any products and services accessed through this link are not provided or guaranteed by Wheelhouse® Credit Union. The site you are about to visit may have a privacy policy that is different than Wheelhouse® Credit Union’s. Please review their privacy policy. Wheelhouse® Credit Union does not endorse the content contained in these sites, nor the organizations publishing those sites, and hereby disclaims any responsibility for such content.