Member-Owned
You’re not just a customer—you’re an owner with a voice in how we operate.
Local San Diego Focus
Rooted in our community, committed to serving our neighbors.
Better Rates, Fewer Fees
Not-for-profit means better value for your money, every day.
Personalized Service
We know your name and understand your financial journey.
Low Rates
Fast Approval
No Payments for 90 Days
Easy Online Process
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Your security is our top priority. We use industry-leading technology to keep your money and information safe
256-bit encryption protects all your data and transactions
Additional layer of security to verify your identity
Real-time monitoring detects and prevents suspicious activity
Use fingerprint or face ID for quick, secure access
Everything you need to make smarter financial decisions.
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Getting your auto loan is simple and straightforward
Complete our simple online application in minutes from anywhere.
Receive a quick decision and know your approved amount.
Shop with confidence knowing you have financing ready.
Complete the paperwork and hit the road in your new vehicle.
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To empower our members and strengthen our community through transparent, member-focused financial services that prioritize people over profits.
See how we’re giving back and supporting local initiatives.
Careers
Join our team and help us make a difference in our community.
Meet the team guiding Wheelhouse into the future.
Access our annual reports and financial disclosures.
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Whether you’re buying new, or refinancing, ind the combination of rate, term, and payment that feels right for your budget.
New & Used Auto Loans
Finance your dream car with competitive rates and terms up to 84 months. New or used, we’ve got you covered.
Auto Refinancing
Lower your rate and monthly payment by refinancing your current auto loan. Save money every month.
Motorcycle, RV & Boat
Finance your next adventure with competitive rates and flexible terms for motorcycles, RVs, boats, and more.
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Powerful financial management tools to help you make smarter money decisions
Spending Insights
Build your emergency fund with easy access to your money and no monthly fees. Earn dividends monthly.
- Automatic transaction categorization
- Monthly spending trends
- Custom spending categories
Credit Score Tracking
Monitor your credit score for free and get personalized tips to improve your financial health.
- Free monthly credit score updates
- Credit score improvement tips
- Credit monitoring alerts
Subscription Management
Identify all your recurring payments and subscriptions to help you save money.
- Automatic subscription detection
- Renewal date reminders
- Total subscription spend tracking
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Powerful features designed to make managing your money easier and more convenient
Snap a photo to deposit checks instantly
Schedule and manage all your bills in one place
Move funds between accounts
instantly
Get notified of important account activity
Track your credit score for free
Connect accounts from other banks
Find any transaction quickly and
easily
Automate recurring transfers and payments
Comparison Cards
Find the account that fits your lifestyle
Inspired
Best for everyday banking
- No monthly fees
- Free debit card
- Mobile & online banking
- Free bill pay
- ATM fee rebates
Inspired Plus
Best for rewards & benefits
- All Inspired features
- Earn cashback rewards
- Cell phone protection
- Enhanced overdraft protection
- Priority member support
Student Checking
Best for students & young adults
- No monthly fees (ages 13-24)
- Free debit card
- Mobile banking with budgeting tools
- Financial education resources
- Parent co-ownership option
Rate Comparison Cards
Select the certificate term that matches your savings timeline and financial goals.
4.25%
Quick access to your funds with competitive rates
4.75%
Balance flexibility and higher returns
5.25%
Maximum returns for long-term savers
5.50%
Tax-advantaged savings for retirement
Need help? We’re here.
Multiple ways to connect with us, whenever you need support
Call Us
Speak with a member service representative
(619) 555-0100Mon-Fri: 8am-6pm
Sat: 9am-2pm
Live Chat
Get instant answers to your questions
Visit a Branch
Stop by one of our 12 San Diego locations
See Today's Rates
Check our current rates across all loan products. Rates are competitive and updated daily to reflect market conditions.
Today's Auto Rates start at:
5.25%
Today's Auto Rates start at:
5.25%
Today's Auto Rates start at:
5.25%
Refinance & Save
Lower your payment with refinancing
Already have an auto loan? We can help you save money every month.
Lower your rate
Secure a better rate than what you're currently paying.
Reduce monthly payments
Free up cash for other priorities with a lower monthly payment.
Switch from Big Banks
Experience member-first service and local decision-making.
Start Earning Rewards Points
When it comes to rewards, we do them right. With NO annual fee, you can combine debit and Credit Card points and redeem your rewards points into whatever options make the mose sense for you.
Travel: Airlines, Car Rentals, Hotels, Cruise Lines, and more (June - August)
Retail: Telephone, Cable, and other pay television, Electric, Gas and Water (October - December)
Earn bonus points from national, regional, and local Restaurants and Retailers.
Get $9.99 - $25 back on your next purchase at select Sam's Clubs, Dropbox, Grubhub, and more in-store and online retailers.
Checking that actually works for you
Keep more of your money where it belongs—in your account.
Get paid up to 2 days early with direct deposit.
Manage everything from your phone with our award-winning app.
Real people, right here in San Diego, ready to help.
Student Checking
Banking designed for students building their future
Free banking while you're in school
Built-in mobile app features
Free resources and workshops
Optional joint access for parents
Seamlessly transition to other accounts
Single Table
Current rates as of March 2025
| Term | APY* | Minimum Deposit |
|---|---|---|
| 3 Months | 4.00% | $500 |
| 6 Months | 4.25% | $500 |
| 9 Months | 4.50% | $500 |
| 12 Months | 4.75% | $500 |
| 24 Months | 5.25% | $1,000 |
| 36 Months | 5.15% | $1,000 |
| 48 Months | 5.10% | $1,000 |
| 60 Months | 5.05% | $1,000 |
*APY = Annual Percentage Yield. Rates are subject to change. Penalty for early withdrawal may apply. Fees could reduce earnings on the account.
Multiple Tables in Tabs
Competitive rates design to save you money.
| TERM | APR* | EST. PAYMENT / $10,000 |
|---|---|---|
| 36 Months | 4.99% | $299.71 |
| 48 Months | 5.24% | $230.83 |
| 60 MOnths | 5.49% | $190.54 |
| 72 Months | 5.74% | $164.48 |
| 84 Months | 5.99% | $146.19 |
*APR = Annual Percentage Rate. Rates shown are for well-qualified borrowers and are subject to change. Your actual rate may vary based on credit-worthiness, loan term and other factors.
Rates effective as of January 2025.
Members Served
Years in Business
Assets Under Management
Local Branches
Limited Time Offer
Earn 5.00% APY on 12-Month CDs
Lock in a great rate and watch your savings grow. Minimum deposit $1,000. Limited time offer.
Limited Time Offer
Earn 5.00% APY on 12-Month CDs
Lock in a great rate and watch your savings grow. Minimum deposit $1,000. Limited time offer.
Frequently Asked Questions
Everything you need to know about our auto loans.
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Join 32,000+ San Diegans
Ready to make the switch?
Switching takes 7 minutes. Keeping more of your money is forever.
Join 45,000+ San Diegans
Ready to make the switch?
Switching takes 7 minutes. Keep more of your money is forever.
Start with checking
A checking account is the best way to become a full-service member and
unlock all the benefits Wheelhouse has to offer.
Keep more of your money with zero
monthly maintenance fees
Manage your money anytime, anywhere
with our mobile app
Get paid up to 2 days early with direct
deposit
Sunshine Is Predictable. Life Isn't.
Protection beyond the purchase, coverage options offered by Wheelhouse so you can stay focused on the road ahead:
Helps protect you from owing money on a vehicle loan if your vehicle is totaled or stolen and your insurance settlement doesn't cover the remaining loan balance.
Debt Protection helps provide financial relief by canceling eligible loan payments or loan balances after certain covered events.
Protect your vehicle from costly repairs with coverage that can continue after your manufacturer's warranty expires.
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Powerful features designed to make managing your money easier and more convenient
Not-for-profit means we work for you, not shareholders. Your success is our success.
Higher savings rates, lower loan rates. We return profits to members through better rates.
Based in San Diego, serving San Diego. Real people who understand your community.
Modern technology with personal service. Bank how you want, when you want.
Transfer your balance and save
Move high-interest debt to our Low Rate Card and enjoy 0% APR for 12 months with no transfer fees.